BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-20
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On ( XX/XX/23 ) XXXXXXXX XXXX, My client received a call from an agent at Sallie Mae. The agent spoke to my client as if this wasn't there first time on the phone, which caught my client completely off-guard, at which he started to assume the call was a prank/joke. As per my client, the agent went as far to say that, " we spoke earlier this month, you are the cosigner on the loan ''. Around this point in the conversation, my client ended the phone call, as he came to realize the call wasn't a joke and much more serious than he originally thought. 

As soon there call was over my client called me, asking " Who's Sallie Mae and how am I a cosigner on your loan? '' I was at a loss for words. I had just spoke with them two weeks ago. So, I immediately hung up the phone to call Sallie Mae to figure out how they got the number and why they chose to call them. 

The first agent I spoke ( XXXX ) couldn't give me an answer as to why she called my client, nor how, saying, " I don't know how we got the number ''. I was then transferred to her manager XXXX XXXX XXXX, who told me the same thing " I don't know '' and then transferred to the supervisor ( XXXX XXXX, who told me it was a " skip tracer call '' which are only permitted at " 60 days of no communication ''. 

I am very concerned about my privacy. Thankfully it was my client who picked up the phone.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Since XXXX Transunion has been charging me a monthly subscription fee for a subscription I never agreed to. I never signed up for the paid Transunion in the first place - only a free trial. I understand Transunion was fined recently because of a misleading free trial. I would like all the money back that Transunion took from me.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : ITEMS XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX ACCURATE OR THE INFORMATION MUST BE UPDATED. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

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 2019-04-30
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Consumer Portfolio Services We can not afforad the car. 

1. We asked for lower payments denied 2. We tried to refince ... denied. 
3. We took to the car to XXXX XXXX and XXXX XXXX offered XXXX Consumer Portoflio stated that it was to low. 
4. We asked can we turn the car in AND WE WAS denied. The manager stated they have no lots to turn the car in. 
5. The car have a negativie equity balance we do not have means to pay for the car. 
6. WE ARE HAVING CHRONIC HARDHSIP! 
7. WE NEED TO TURN THE CAR ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: SYNCHRONY FINANCIAL
State: AZ
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:
XXXX XXXX CREDIT Card company sent my debt to collection agency XXXX XXXX XXXX representing Synchrony Bank. On XX/XX/XXXX I made a payment for XXXX with the agreement that they report the balance as settled in full and balance reported as paid or XXXX   to all 3 credit bureau 's. However ; Synchrony bank refuses to report debt settled and as XXXX balance. Synchrony bank stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state Synchrony bank reports the debt as accurate.

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 2019-04-30
Company: Peer Advisors, LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 MY COMPLAINT IS ABOUT MONTHLY INTEREST RATES FOR THE LAST 6 MONTHS THE PROBLEM IS THEY ARE TO HIGH OVER 800 DOLLARS A MONTH I WAS TOLD THAT IS WHAT I SIGNED UP FOR NASTY REMARK MY CURRENT AVAILABLE LINE OF CREDIT GOES UP 200 DOLLARS A MONTH ITS A BIG DIFFERENCE NEED HELP WITH THAT THE NAME OF THE COMPANY IS XXXX THE PEOPLE INVOLVED WHO EVER PICKS UP THE PHONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Again Synchrony Bank has violated The Card Act of 2010 signed into law by then President Barrack Obama in 2009. Violated several previous times lowering a credit limit without prior notification. Most recent received a letter from Synchrony Bank datedXX/XX/2019 stating in part " Synchrony Bank has LOWERED ( past tense ) your credit line ''. This makes 4 violations of The Card Act which is a Federal Law. It has been treated as a civil act which should be prosecuted as a criminal act.

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 2021-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello, I took out a Private student loan with XXXX ( XXXX  XXXX XXXX ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a KIT ( keep in touch payment ) which was {$10.00} a month. As a XXXX  mother at that time, I was XXXX  and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( XXXX ). So although I had to call XXXX per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX. 

My first Complaint : There is a 2nd duplicate account opened under the same company ( XXXX ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active. 

My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the 7-year payment history and delete the account.

I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a Single mother, I am ready to start new and really need this.

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 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bank of America ( Bofa ) has banned me permanently from banking w/ their institution. They did something illegally w/ my SSN # I 've tried everything in my power for a resolution. They just tell me over, & over, I 'm sorry no u can not ever bank w/ us. But not one time through the 5 years have they told me why? I really want them to stop mistreating me. And statue of limitations has reached for what ever grudge the hold against me. Please find a resolution for me. I do not owe the Bank of America. And they threw me in their risk accounts. I disagree with them. Can I sue? They better stop putting a bad word out on me. I havent banked w/ them for 9 years. And they still refuse me service. Please help. Thank you. Sincerely, XXXX XXXX

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 2019-04-29
Company: Action Revenue Recovery, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX  XXXX XXXX   XXXX. The dates they had at Action Recovery Llc did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with Action Recovery LLC and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe ARS, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was informed once I paid the amount owed that it would be taken off my credit reports and it was not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: Consumer Portfolio Services, Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I got a car loan from Consumer Portfolio inXX/XX/XXXX at an interest rate of 16 % for 6 years. On XX/XX/XXXX I requested tow payments be extended at the back of the loan, but the company extended my loan untilXX/XX/XXXX, which is basically another year on the loan.

Also, I notice different dates that my interest rate goes up, or isn't applied to the loan but only the interest. I have had this car for 5 years and the loan has only went down XXXX. Which almost 19K went toward the interest.

Inquire as to the interest rate being applied in various amounts over the course of the loan and some months no interest was applied at all.

Inquire as to the XXXX that has been paid in interest.

Inquire as to why the amount applied to the principal is only around 5K over the course of 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my several endeavors to tell credit bureaus 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2019-04-29
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
On XX/XX/19, I was unable to see all three of my free credit reports from XXXX XXXX XXXX. I was only able to view my XXXX  credit report when the site froze up. I could not refresh or go back. This was for my free annual credit check. Now, I have to wait a year to see my credit from the other two bureaus. Absolutely, this site is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last complaint sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiries listed below are still reporting on my Credit Reports : XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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:
In accordance with Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX, has violated my rights. 

XXXX BANK XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXXXXXX, has violated my rights. 

XXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C.1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-07
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Santander Consumer USA Holdings Inc.
State: NJ
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:
My loan on a finance vehicle as a cosigner with Santander consumer USA is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with Santander consumer USA and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: OH
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:
On XX/XX/2023 I Sent XXXX XXXX XXXX, a certified letter through USPS requesting Validation of debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars as reported on my Credit Report, as of XX/XX/XXXX Credit Collection has failed to Validate that debt for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars, Further more XXXX XXXX XXXX has violated FDCPA section 1692E ( 8 ) failure to mark my Experian, XXXX and XXXX account Disputed during the period of XX/XX/2023 to XX/XX/2023. 

I've downloaded through CFPB Portal Proof of the USPS Certified mail, date when it was sent and date when they signed for it. 
Note : I sent two letters asking to Validation debt letters to XXXX XXXX XXXX, one is for account number XXXX in the amount of XXXX XXXX and XXXX XXXX Dollars, And the other is XXXX for XXXX XXXX and XXXX Dollars, That I've recently disputed for the same issue.

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