BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-09
Company: SLM CORPORATION
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
There were a couple months I was $ XXXX {$100.00} late on my payment. A few days after the due date, they call both my co-signer and me up to 10 times a day between the hours of XXXX even if we have already talked to them and explained the issue that day. We have told them many times to stop calling multiple times and they dont.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: AR
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:
My husband and I have been a victim of identity theft. We have never opened joint accounts or done rental agreement together. We have been trying to remove these things for our reports for 4 years since we first found out. This account on my report and inquiries are not mine. Please remove these fraudulent items from my 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 2022-10-04
Company: Bread Financial Holdings, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX 2022 paid down credit card still hasnt reported since XXXX 2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I SEND OUT XXXX LETTERS ON XX/XX/2021 TO TRANSUNION CONSUMER SOLUTIONS, XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. I HAVE NOT RECIEVE ANY INFORMATION ABOUT FORMAL COMPLAINT. THESE COMPANY HAS FELL TO ABIDE BY THE LAW.

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 2021-12-01
Company: Caliber Home Loans, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Value of my house increased and now I have more than 30 % equity in my house. I applied with Caliber home loans to remove the PMI. but every time i call and check on the process I get different answer. sometimes they acknowledge that there is an application and sometime they say when did you apply I don't see your application. Caliber home loans don't wan na remove my PMI and they wan na keep charging me $ XXXX for PMI that i don't have to have. thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/20, I called Discover and asked for the second time that my payments be paid towards my higher interest balance. I have two balances on the card one with 0 % interest. They said I had no choice in how my payments are allocated. I want my entire payment to go towards my higher interest balance NOT the 0 % interest balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On my XXXX  and Experian credit report. I never authorized 3 credit inquiries by XXXX  services in XXXX of XXXX. There should not be 3 credit inquiries by XXXX mtg services within a 5 day window. Remove all 3 of those inquires as there was never anything signed by me that proves that I signed any paperwork that states that I authorized  3 inquiries by XXXX mortgage services. I never signed anything to authorize such usage of my credit. 

Also Every account by XXXX and XXXX should be completely updated to reflect there was never a time a late payment occurred in XXXX. I request that XXXX  provide documentation of a deferment and/or forbearance which was not justified ; in that all requirements were met that deferment or forbearance was applicable in my case for the FULL YEAR OF XXXX. XXXX and XXXX needs to provide the documentation of income and every single source that states I was not eligible for those programsat that time. Make sure that they prove that all documentation is completely accurate that a forbearance and/or deferment was not applicable at that time. Lawsuits are currently pending against XXXX and XXXX for not sending proper information to all 3 bureaus.

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 2019-07-09
Company: Zarzaur and Schwartz, PC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a summons to court on XX/XX/XXXX by a sheriff to my home address. I was not aware of the account they were trying to collect debt on. I went to the XXXX XXXX, XXXX website which had my supposed account. There I saw the account that they were suing me for. The account is past the SOL. There has not been a payment since XXXX to XXXX XXXX. I was going to through bankruptcy and it did not work out. I asked to enforce the FDCPA and everything went unanswered. I have called them. I was told that my debt was too old to sue, but they could collect money or report to the credit bureaus. I was shocked to find out that I was being sued. I do not have any communication with them within the last year. The account on the XXXX XXXX Website had two payments. One on XX/XX/XXXX for {$21.00} and XX/XX/XXXX for {$94.00}. These are not payments that I made as I had no communication from them. These are fraudulent details to help restart the time limit to sue me. I can provide bank statements for those time periods and show that no payment was made to XXXX XXXX, XXXX and they have no right to collect this debt. They have Zarzaur & Schwartz suing me in my local probate court. They know that they can not as I have made no payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: ALLY FINANCIAL INC.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Ally bank took over GMAC. XXXX I paid off my 2009 XXXX early as I purchased it in XXXX brand new from a dealer in Idaho. I have copies of my last 9 checks and they are made out to Ally Bank and cashed/deposited to Ally Bank. I have called Ally bank 9 times and they refuse to give me my lien release. They say only the dealer can be sent the title when I in fact paid directly to Ally bank. They have sent me 4 letters they say I paid off my car. That is not enough for the state of Montana to change the title. The state of Montana needs an actual lien release. Through my 9 phone calls I was told only the dealer could be sent the title. Which they had some dealer in North Carolina as the dealer when in fact I bought the car in Idaho. They lie to me and tell me they are sending the lien release when in fact it is not, it is the letter stating that I paid off my car-four times they lied and sent me this letter. I started this process on XX/XX/XXXX and it is now XX/XX/XXXX and they are still being dishonest, in error sent my title to someone in North Carolina and I have no options as they will not help me at Ally bank. They are required by law to send me a title released of the lien and a lien release to the state of Montana. Which they have done neither and are breaking the law. They are also required by law to assist me when I paid them off and they are not. I have gathered I am not the first to struggle with Ally bank in this regard. Many have had to retain a lawyer to get a simple lien release. It is has been almost 7 years and they have 90 days to get me my title/lien release and they refuse.

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 2019-09-13
Company: EQUIFAX, INC.
State: CA
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:
Inquiries in my Equifax credit report that do not belong to me, I disputed two different times but they keep saying these inquiries are a factual record so they wont delete them. The problem is that I did not authorize those inquiries. 

I have the impression that these inquiries are in my credit report due to the XX/XX/XXXX data breach. 

These inquiries are : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I open a new account with American Express in XX/XX/XXXXand has made over Four payment which has not been reported to the credit report bureau. 

American Express are not reporting accuracy information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a Discover card and got an unfair late payment report on my credit report. 

In XX/XX/2018, I noticed that my Discover card payment was late when I logged in my online account. I was surprised because I had automatic payment setup, but was able to update my payment bank account and fix the problem. However, Discover didnt tell me that the reason for my failed payment until the second failed payment after I chose to pay the balance immediately. I learned that my XXXX  XXXX XXXX account was closed due to inactivity. 

I called Discover card customer service and was told that I updated my automatic payment using my XXXX checking account that there should not be a late payment credit report. However, I was surprised again by my credit report again later in XX/XX/2018 because of a 30 day past due. 

I have never stopped fighting the issue. I called last week and learned that from the customer service that theres no record of my late payment, but 2 late  payment instead, and Discover does not report late payment unless its 60 day past due. 

I have communicated multiple times with Discover using their secure messaging system and got inconsistent replies, found their customer supports dont well comprehend their products and rules. 

Now, I think the passive way, emailing, Discover notices customers account issues is direct targeting on servicemembers because Discover doesnt try their best effort to perform their part of the agreementinform customers about late payment and servicemembers may be in training or missions where they can not access their emails. 

And, when I saw my first payment, I, like any average person, would pay the balance right away to avoid a late fee and late payment credit report. And that was a trap to pay a return check fee again as they didnt warn you that it probably would fail again and you should check your automatic payment. 

Furthermore, Discover uses automatic payment system takes advantage on people, who trust the system because I was told I was not past due since I updated my automatic payment when I called the customer service the first time, but in fact, the system considered I was late on a payment and report it automatically. 

Additionally, Discover have failed to deliver the service agreements for years and the Discover Card Account Terms ( PDF ) can not be viewed or downloaded from my logged in account on Discover website. ( Figure 1,2 ) And I just send Discover a message about the issue this morning and hope they can fix it. 

I had never late for any payment and had XXXX FICO score ( Figure 3 ) before this happened. I am an XXXX veteran, always have difficulty receiving mail from Discover while in the military, have never received any call from Discover, believe Discover took unfair advantage on me while I transitioned from military to civilian.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not owe this debt. 


Account Name SOUTHERN CREDIT RECOVERY Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$260.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$260.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX   Monthly Payment {$0.00} Original Balance {$260.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I open a new account with XXXX XXXX in XX/XX/XXXX and has made over Four payment which has not been reported to the credit report bureau. 

XXXX XXXX are not reporting accuracy information to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Santander Consumer USA Holdings Inc.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I had a loan with santander and they refuse to remove late payments even though they lost a lawsuit against their predatory practices and not disclosing their internal credit scores.. the loan is paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I've sent a letter to XXXX  disputing and requesting the removal of debt Convergent Outsourcing. XXXX  reported the account as verified. On XX/XX/2020 I sent another letter to XXXX  disputing the same account in concern requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they may have on file of the accounts listed. XXXX  could not supply me with any document with verifying proof but yet again they stated it was verified as accurate. 

I have also sent letters out to Convergent Outsourcing requesting validation of the account claiming that I owe any obligation to them. Not only have Convergent Outsourcing ignored my prior requests for validation of debt sent by Certified letter # XXXX XXXX XXXX XXXX XXXX XXXX delivered & signed receipt on XX/XX/2020 at XXXX, but they continue to report this debt to the credit bureaus causing damage to my character. A second letter was sent to Convergent Outsourcing on XX/XX/2020 formally advising that I believe their company has violated several of my consumer rights. Specifically, Convergent Outsourcing failed to validate a debt and again blatantly ignored my request, which is a FDCPA violation and yet they still continued to report a disputed debt to the Credit Bureaus : another FCRA violation. As we all are aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean Convergent Outsourcing agrees with me that this debt is false. I will use the Estoppel in my defense. 

I also specifically stated that I expect to receive the proof requested within 15 days of the letter sent on the XX/XX/2020 letter which they again ignore my request for validation of debt. 

Today I will be sending out my final letter in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D to XXXX  prior to seeking legal damage if my concern is not rectified by the removal of the dept 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 2019-07-09
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent off a debit validation letter so that the collection company can validate what they are showing on my credit they have failed to provide information that I have asked for they have 30 days to provide me that information Letter was sent off on XX/XX/2019* Professional Bureau of Collections Tracking with USPS:XXXX Letter was Delivered : XX/XX/2019 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of American charged me three {$35.00} dollar NSF charges for items that went through just before midnight on XX/XX/2019 but were still processing. Early morning XX/XX/2019 I deposited the funds to cover the checks that were processing. I called Bank of American and spoke to a representative and a manager to see if the NSF fees could be removed as I am a customer of 30 years and the checks were still processing. They refused stating that the funds cleared on XX/XX/2019 just before midnight. I have a  screenshot of my bank screen and the only things showing cleared are the three overdraft charges of {$35.00} dollars each. I was told by both the representative and the manager that there was nothing that they could do. The fees have not been paid out by Bank of American and the funds are there to cover those charge, so Bank of American is out nothing but as a consumer I am out {$100.00} dollars. If a fraudulent charge hits my bank I'm told there's nothing that can be done until it clears, but they will charge me three over draft charges while things are still processing even though there is now enough money to cover the checks. This may be legal but it is abusive to the consumer.

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 2015-07-13
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a debt that was being collected from XXXX XXXX XXXX I think last year. And it went on my credit report negatively for {$100.00}. This was not my debt. It was disputed and removed from all credit reports. A year later a company called Diversified Consultants , Inc from XXXX, Florida is trying to collect the debt apparently and it went on my credit report again. I have once AGAIN disputed it through the credit reporting agencies and wrote a letter to Diversified Consultants upon finding it on my credit report. I was never notified by them that they were trying to collect a debt or I would have submitted the investigation paperwork from the last incident. Which, to reiterate was removed due to lack of evidence this was my debt!! Now it seems the debt is being resold and collected again??? I have not heard from Diversified Consultants to date. I want them to remove the negative account from my credit reports and stop collecting against me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: R.A.Rogers, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX, XX/XX/2019, I received multiple calls to two of my cell numbers. Called from a number XXXX, XXXX and XXXX. Left a voicemail with name of XXXX XXXX at XXXX ext XXXX. 

I did not provide the caller with my telephone numbers or receive a letter. Research the number on XXXX and saw multiple reviews of other consumers stating issues with this scammer. 

I.E. : XXXX XXXX XXXX reviews a month ago They had my phone number associated some delinquent account & they kept harassing me about a debt that wasnt mine. I tried calling back to speak to a supervisor & they NEVER answer the phone from XXXX XXXX XXXX 5 months ago So does you office close at XXXX XXXX or earlier on Fridays? I've been calling since XXXX XXXX and I'm getting a office closed voicemail. 


XXXX XXXX 11 months ago I set up my payments with them at the beginning of XXXX, the lady I spoke with was very nice she gave me a compliment and she was helpful with giving me details. I called in today XX/XX/XXXX to cancel my payment for the XXXX and start back on More 1 XXXX XXXX 3 weeks ago Very rude XXXX XXXX a year ago- Scam place do not pay! Currently in a lawsuit against them. They do not report to credit bureaus 2 XXXX XXXX 2 months ago I am being HARRASSED!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I incurred repeated late fees for {$3.00} charge. First bill was {$7.00} in late fees, next was {$17.00} in late fees. Total balance was less than {$34.00}. They never called me to inform me my payments were late, they never sent any correspondence via US Mail or email. The only way I found out was through credit reporting agencies. 

I promptly made the payment, but now my credit score is down 50 points.

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