BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-15
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
About 2 weeks ago ( end of XX/XX/XXXX ). I was behind on payments but was able to make the lowed payments, but was still delinquent due to missed past payments. I was contacted ( received a call ) by a rep from sallie mae after making a payment a few days prior. I was told they have a " 3 pay program '' that could help me get caught back up to make my accounts current. How it works was as long as i make my next 3 payments on time, the account will be brought current and the delinquent payments would be added to the end of the loan. I agreed to enter this program and did the verbal verification over the phone on their recorded line and that was the end of it.

Today, I called them to verify that the payment was still scheduled and verify the amount to be paid. I was able to confirm both, but the new rep proceeded to tell me that I was not actually eligible to be in the " 3 pay program '' and that the payments I scheduled and was told would bring me current, would not. The reasoning I was told was due to already having my payments reduced and I " cant be in 2 programs at the same time '' So my complaint would be, why would they call me to tell me about a program, I agree to the terms and enroll into said program, schedule payments, and not actually be eligible from the very beginning?

The lady on the phone was nice so no issue with her, but she said she would " elevate this to a manager '' and then I was on hold for close to 30 min before I hung up. Aint nobody got time for that.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Paypal Holdings, Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this email finds you well. My name is XXXX XXXX, and I am writing in response to the recent permanent limitation placed on my PayPal account associated with the email address XXXX. 

I have always adhered strictly to the guidelines and regulations set by PayPal, and I believe that the action taken on my account might be the result of a misunderstanding or an error. Therefore, I am writing to formally request that this decision be reconsidered and my case be re-investigated. 

In the many years of utilizing your platform for my business transactions, I have always made a conscious effort to comply with the policies and terms of service as stipulated by PayPal. I am uncertain as to the specific reason why such a drastic measure was taken against my account. If possible, I would appreciate a comprehensive explanation of the particular policy or guideline that was purportedly violated, as I remain convinced that I have conducted my activities within the bounds of PayPal 's policy framework. 

In the spirit of fairness and mutual understanding, I humbly request that the recent decision to limit my account be re-evaluated. I am willing to cooperate fully with any investigations, provide further information, and take any corrective measures if required. I believe in the integrity of PayPal 's services and its commitment to providing a fair and reliable financial platform to its users, and I am confident that this unfortunate situation can be satisfactorily resolved. 

I would be truly grateful if my appeal could be forwarded to the appropriate department for a thorough review. If there is any documentation or other information needed from my end to facilitate this process, please do not hesitate to ask. My primary goal is to rectify this situation and continue using PayPal 's services, as they have been instrumental to my personal and professional transactions over the years. 

I am looking forward to your favorable response and I am hopeful that we can restore the trust and reliability that have defined our relationship up until now. 

Thank you very much for your understanding and your prompt attention to this matter. 

Best Regards, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under 15 US Code 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. I have provided proof that the Bankruptcy courts do not report information to the credit reporting agencies. The bankruptcy court is listed as a furnisher on my credit report without valid evidence that it should be there, this is a violation. I demand that the accounts be removed from my credit report permanently. Can you provide evidence that supports your claim that the accounts are accurate? Did you use certified documents during the investigation, and if so, what were they? Please provide any information that was passed on to the original creditor during the investigation. I also need to know the cost of the documents used, the name of the person you spoke to at the original creditor 's office, as well as when and for how long the conversation took place. I would appreciate if you could provide the name of the person from your company who spoke with the original creditor during the verification process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, AMEX XXXXXXXX, AMEX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX has false, unverified missed payments on my credit report that's dated XX/XX/2018 AND XX/XX/2018 that I am unaware of. I am requesting accuracy of these missed payments, and contract agreement, exc of this account that is due to me under the fair credit act, as I am entitled to me as an consumer. Please provide me with this information 15 days of receiving this complaint or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It seems that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX upon checking it. Again, this is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, kindly block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please see the list of erroneous items found on my credit report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$770.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; MEDICAL XXXX Balance : {$84.00} ; MEDICAL XXXX Balance : {$84.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting debt validations of accounts that I saw on my credit profile. I received a letter back saying that they were validated. I am writing to dispute the verification of the accounts on my credit report. I recently obtained a copy of my credit report and found that the accounts in question, have been verified. However, I believe there are inaccuracies or discrepancies regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request that you conduct a thorough investigation into the accuracy and validity of these accounts. I believe there may be errors in the reporting, and I would like to clarify and rectify any discrepancies that may exist. 

Please provide me with the following information pertaining to these accounts : XXXX. Documentation and evidence proving the accuracy of the reported accounts information. 
XXXX. Copies of the original signed agreement or contract between myself and the creditors pertaining to this accounts. 
XXXX. Detailed payment history for the accounts, including dates and amounts of all transactions. 
XXXX. Any other relevant documentation or information related to the verification of this account. 

I understand that, as per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. I kindly request that you keep me updated on the progress of the investigation and provide me with a written response regarding the outcome. 

Additionally, if you find any errors or inaccuracies during your investigation, I request that you remove the disputed account from my credit report, as required by the FCRA. 

Please consider this letter as a formal dispute under the FCRA and take the necessary steps to rectify any incorrect information on my credit report. I appreciate your attention to this matter and your timely response. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XXXX of 2021 I was put on life support, they took out there monthly fee of XXXX for the month of XXXX and the month of XXXX. I was on life support XXXX of 2021. They closed my account because I did not have the funds to cover the {$10.00} they took out for maintance. So how is it okay for them not to reach out and ask if everything is okay before closing the account. This was with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
I have called several times for PAYPAL MASTER CARD update my BALANCES and send to the credit bureaus with URGENCY. They keep not reporting the current balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXXXXXX XXXX {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One took over the credit card program for Cabela 's in XX/XX/2018. They changed my account number and my due date before sending me a new card, which meant I was unable to access my account to pay on time. They then charged me a late payment fee and interest, removed the interest grace period and then started charging residual interest even when my account was paid in full. I have never had a late payment on this card until Capital One took over. It was Capital One 's poor handling of the transition that caused the late fees and interest, and when trying to remedy with Capital One, they were rude and condescending on top of it all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Citizens Bank reported me to credit agencies for a {$2.00} interest payment on a fully satisfied HELOC loan. I've been told that I stopped my autopay and though can not prove it I do not agree after having reviewed my records as I do not have notification of such. Even if true, the bank no effort to reach out to me to avoid the reporting as I learned it through the diligence in my review my credit report. My scores prior to this were 830+! 

Further, I now have an issue with the dispute process with XXXX and XXXX as balances were reported incorrectly to them -and they accepted it. My available balance on this HELOC is now {$100000.00}, which is {$17.00} higher than the original loan. This is due to the fact that when I went to the bank to correct the account they took a payment {$17.00} over that which I truly owed them. In discussion with the Customer Service folks I spoke to about this, numerous of them, the response to both of their errors, failing to prevent a {$2.00} balance to negatively affect my score by 70+ points for up to 7 years and then overpaying themselves to satisfy the balance, was indifference at best. 

Based on my payment history, I feel Citizens was negligent in attempting to contact me in an effort to avoid this issue and as such this has disproportionately affected my credit standing in a negative way in which they are indifferent to while being indifferent to their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Skopos Financial, LLC
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had gotten a auto loan with XXXX XXXX in XX/XX/XXXX, and They did repo the vehicle in XX/XX/XXXX for failure to pay. But I have constantly tried to get this company to correct info on my XXXX Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3..

This is how it was listed in XX/XX/XXXX and still listed as of this complaint, XXXX say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Merchants and Professional Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir or Madam : This is a counter letter response to the email I received on XX/XX/2018 from the Texas Attorney Generals Office. 

Immediately remove the ILLEGAL medical FALSE DEBT charges from all 3 CREDIT REPORTING AGENCIES. I HAVE CONTACTED AN ATTORNEY TO PURSUE A LAWSUIT AGINST XXXX DBA as XXXX XXXX. Reason for suit is because XXXX XXXX falsified documents to the attorney Generals office regulating private personal information regarding HIPPA law violations. Also, a lawsuit against XXXX   XXXX and XXXX XXXX XXXX XXXX for double billing me as well as my XXXX XXXX XXXX. XXXX XXXX XXXX XXXX over charged and subsequently XXXX over paid. My Family was assured by the Doctor and Hospital that I would not be double billed by a botched XXXX  procedure performed by XXXX XXXX XXXX XXXX. I was informed on XXXX XXXX XXXX business name is XXXX DBA as XXXX XXXX. 

I didnt know my medical rights and due to a botched XXXX, this matter will be resolved by a third party. Your correct I did sign a promise note BEFORE XXXX was performed to be billed for one XXXX  and not billed for two. Also, at the time I didnt know they over charged my insurance company for twice the amount. Lastly, I was never informed and never received the HIPPA Law rights. 

XXXX XXXX suppressed documents. They violated the Federal Medical HIPPA Law and XXXX XXXX omitted certain pages suppressing documents when Billing Lead, XXXX XXXX from XXXX XXXX ( XXXX ) sent a letter to Attorney General XXXX XXXX   Office for a settlement offering to accept a one-time payment of {$400.00} paid in full on XX/XX/2018 and then I received the email from The Texas Attorney Generals office response on XX/XX/2018. XXXX XXXX sent only twelve ( 12 ) documented pages to The Texas Attorney Generals office. However, 5 pages of the 12 submitted to The Texas Attorney Generals office I have never seen before. XXXX XXXX from XXXX XXXX suppressed the real medical file they have on me. I again have included the actual total documented twenty eight ( 28 ) medical pages they have on record and prove they distributed my medical information on XX/XX/XXXX at XXXXCDT. I have mailed to everyone involved in my credit dispute exactly the twenty-eight ( 28 ) documented pages of my medical file that XXXX XXXX acquired from XXXX XXXX XXXX XXXX XXXX and then delivered all twenty-eight ( 28 )  documents of my private medical history to XXXX XXXX XXXX XXXX XXXX XXXX, and consequently violating the Federal HIPPA Law. 

Please see the attached documents and see notes on bottom and top of each page. XXXX DBA as XXXX XXXX is a foreign company and has no right to my medical information. 

All future communication will be handled by my attorney Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief