BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-02
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan with Sallie Mae. Several months ago, they emailed me saying that they could provide 'assistance ' during COVID. I inquired about what that assistance looked like, and then decided I did NOT want that assistance. To be clear, I never asked for my loan to be placed on forbearance, I simply inquired about what it would look like. 

Sallie Mae placed my loan on forbearance anyways, without my consent. I called Sallie Mae and spoke with a manager, who agreed that I did not consent to getting my loan put on forbearance, and that he would take my loan off forbearance. 

Two months later I get an email saying that only now is my loan being taken off forbearance, which means my loan was still on forbearance after I was told it was being taken off. I spoke with the same manager on the phone, who told me that he in fact DID take my loan off forbearance, but that their 'system ' automatically put me back on without my knowledge or consent. Not only that, but their system had done the same thing with every single customer that wanted to be taken off forbearance. To repeat, every person who had requested to be taken off forbearance was automatically put back on. 

I find this practice predatory as they try to squeeze more money out of young people who are already struggling. It is reasonable to expect Sallie Mae to come back with an explanation of why this happened and then provide a detailed, step by step response as to the actions they will take to prevent this from happening in the future. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: United Collection Bureau, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never received a notice about this debt that they recieved XX/XX/2017. No letters and they wouldnt tell me the address they sent it to. They are claiming I owe XXXX $ to a physician, yet I did not live in the state of service during that time. I have tried to dispute with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had a balance of {$97.00} in my venmo account. They offered the option to transfer it to my bank account via my debit card #. I selected this option and initiated the transfer on XX/XX/XXXX. Today, XX/XX/XXXX, the funds are still not in my bank account and venmo is stating that it shows the deposit cleared on their end but is refusing to provide any documentation to prove this transfer occurred and was accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie mae reps lie about offers to resolve your account, when you tell them to put any offer in writing they claim they cant do that .. thats not truth in lending. The reps are trained liars, they know how to break the law, without punishment,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS DO NOT BELONG TO ME! 
I WILL LIKE FOR THEM TO BE REMOVED THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company repeatedly shared protected health information to the credit bureaus without a prior authorization of release. The medical diagnosis and procedures was sent not only to me, but to XXXX, XXXX and XXXX. This HIPPA Violation and FCRA violation is on going. I just recently found out that this information was also given to another agency as well XXXX XXXX XXXX XXXX, XXXX. The protected health information was breached more than 4 times that I have proof of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern, Thank you for taking the time to read my comments and concerns. I am currently a XXXX XXXX customer of over 15 years in total dating back to the account that this letter pertains to. 

I am reaching out to the CFPB in the hope that they may assist me in finally reaching a resolution to my unique situation. 

My previous account was sent to collections on XX/XX/XXXX because there was a dispute on my behalf of the total charges of {$1800.00}. I was willing to pay the total amount due at the time but naturally, I needed a more detailed explaination from a Representative explaining to me how the bill became so high.I didn't receive enough information to verify debt. After several months of back and forth with my Unresolved matter and unanswered questions the account was sent to collections without me being aware of this action taken against me. If I knew that XXXX was going to send the account to collections I would have just paid the entire amount reluctantly.I didn't receive notice of my right to dispute. Fast forward to XX/XX/XXXX, I was contacted by a Collection Agency ( Diversified Consultants ) that is hired by XXXX XXXX that said they represented you as theyre client and as long as I secured payment with them in the form of a settlement for the amount of {$750.00} that they would notify XXXX and that my debt would be settled and all negative remarks removed/deleted from my account and credit reporting. Sounds good right? So I pay and Im under the impression that all is well. Fast forward some more to XX/XX/XXXX Im currently in the process of refinancing my home Loan and have been going through the steps with my lender. To my surprise I was notified that I still have XXXX XXXX showing as a collection on my credit report from a couple of years ago. The report shows that the account in question has been settled for less than full payment and the account has a zero balance but it has not been deleted/continuing to report. 

After calling XXXX XXXX customer service representatives numerous times last week and spending hours explaining my story to several people I have been unable to get this resolved. I dont know what else to do and if Im not able to refinance my mortgage payment with my lender ( XXXX XXXX ) XXXX XXXX , I could be in jeopardy of losing my home entirely. I feel there has been inaccuracies with This credit reporting from the beginning and I cant stress enough how important it is to my Family that I be able to have this resolved. Please please reach out to me somehow so that we can discuss this further. 

I appreciate you so much for reading this as I know you must have more important things to attend to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I just cant get any lower payments with Navient. The amount is way to high and with the school XXXX being shut down due to fraud with financial aid I don't believe me or any other XXXX   should pay that amount back if not paying anything back. I cant use my credits that i earned from XXXX to go to another school if i wanted to. I would have to start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I received a letter at my home address indicating that a debt I was alleged to owe to XXXX had been placed into collections. 

The letter is from : Sequium Asset Solutions , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX The letter came as a complete surprise as I have had no contact of any type from XXXX or any of its representatives suggesting that some type of financial obligation exists between myself and XXXX. 
I have lived at my current address for three ( 3 ) years and had both my cell and landline numbers for the same period of time. My current email address is approximately 15 years old. 

I immediately called SEQUIUM at the number on their letter. They refused to provide any information about the alleged debt, instead demanding to know whether I had ever had an account with XXXX. 

At my request, the call was escalated to XXXX XXXX, ( XXXX ) XXXX. After a brief discussion, Ms. XXXX acknowledged that SEQUIUM is not in possession of any document that would show that I ever had any type of account or other contract with 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 2018-09-18
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
I had two blue cards in my wallet. Used wrong card today thinking it was a debit card. Instead, it was XXXX 's XXXX credit card issued by XXXX XXXX. When I placed the card in self check out at Walmart, I asked for a {$40.00} cash back, thinking it was my debit card with XXXX. Instead, it kicked out {$100.00} cash to me and paid for the small grocery item. 

When contacting XXXX XXXX today asking to reverse the pending charge on my credit card, by paying the {$100.00} back and manually replacing the mistaken withdrawn cash with an instant payback. They refused to do so and said the only way to pay any cash withdrawal was to first pay off the entire balance. Thus, this {$100.00} cash withdrawal will charge an additional 3 % interest until paid, based on their refusing to manually accept the mistaken cash back within the same hour the transaction took place. I then immediately closed my account with them. 

This isn't my first problem with them. They mistakenly opened multiple accounts and closed accounts in my name over the years, failed to report actual payoff balances after numerous complaints that wrongly showed a balance over my credit limit which has never happened in the life of my account with them. 

Their phone systems are also flawed. Both verbal and type in account information was never recognized. Their online chat also was worthless and misleading. No live person was there and she was in XXXX most likely not understanding a word if she was live. 

I have had enough. I also closed my other account with XXXX XXXX. The abuse by this company has been long and against credit card/consumer laws. A full investigation of their flawed systems should be done immediately. I have lots of debit and credit cards. None abuse me or have abused me like XXXX XXXX. Perhaps the last part of their name tells it all ... .chroney ....

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 2018-09-18
Company: Experian Information Solutions Inc.
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:
Pleae remove these inqiuries XXXX XXXX, XXXX, XXXX, XXXX, XXXX and my XXXX XXXX wwas paid in full, XXXX XXXX XXXX, XXXX XXXX  paid in full with no balance. please remove XXXX XXXX XXXX XXXX. its over 7 years old please.

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 2021-02-01
Company: EQUIFAX, INC.
State: NV
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:
I had sent letters to all three credit bureaus on XX/XX/2020 advising them they have some incorrect account info and needed to delete it via a 609 dispute letter. 

After 30 days of no correspondence from any party I had sent a sceond 30-day demand to comply letter to each bureau letting them know it has been over 30 days from the first letter and for any inaccurate info to be deleted. 

I had sent certified mail so I know they have my demand to comply letter I have not been contacted and nothing has been corrected. I know need your help. 

Enclosed are the copies of each letter to the beraus. Let me know if you need any more info

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My loan has been closed and paid off since XX/XX/XXXX. 

I have contacted GM financial 4 times to ask them to report the loan accurately as it still shows as open with a balance. 

It is XX/XX/XXXX and this is still showing on both my Husbands and my credit report as an open balance of XXXX. 

Full payment of XXXX was made XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: Performant Financial Corporation
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX called my employer on XX/XX/18. My boss called me into the office and said that the lady on the phone told her it was a recorded line and asked to speak to me. When I answered this call, the lady gave me her name and stated that she was with XXXX XXXX. She then proceeded to state an address, last of SSN, and birthdate which was incorrect. I told her no. She asked if i received their letter in the mail. I did not. She then asked for a better contact after I asked for them to never call my employer again. I asked for all communication to be done in writing via mail. It has been a week and no letter in the mail. I check my credit report, and discovered that XXXX XXXX has done a hard inquiry on my XXXX  credit report without my consent or knowledge and are not on my credit report listed as a debt owed. I feel like this is harassment.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
My credit report is inaccurate, and needs to be corrected. XXXX XXXX account dated XX/XX/2023 is inaccurate and need to be deleted off of 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
Consumer complaint received 2018-02-09
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was transferred to this company right after the loan was disbursed to me, and ever since then I have had multiple issues. I made a payment of {$30.00} on XX/XX/XXXX, however when I checked my account at a later date, the payment was never applied to my balance. After calling MULTIPLE times and speaking to multiple different representatives, there was still no resolution. I was always told that an account specialist would contact me but I was never contacted. I later made another payment on XX/XX/XXXX that was not applied to my account, and now my interest is much higher than it should be. The service from this company is disgusting and my complaints always fall on deaf ears. Every time I call no one acknowledges my concerns, and they always give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, INC.
State: FL
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 was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: SYNCHRONY FINANCIAL
State: PA
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 credit reports are showing that my Walmart store credit card, issued by XXXX XXXX, was charged off in XX/XX/XXXX. This is an old account that was actually charged off in XX/XX/XXXX and this inaccurate date caused my credit score to drop because it looks like I have a recent delinquency when, in fact, I do not.

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 2022-09-27
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:
In accordance with fair credit reporting act. This creditor has violated my rights. 
under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account information without my written instructions. Under 15 USC 's 1666b a creditor may not treat a payment under an open consumer credit plan as late for any purpose. 

XXXX XXXX XXXX  XXXX XXXX Reported on XX/XX/2020 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 2022-01-06
Company: Experian Information Solutions Inc.
State: TX
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:
Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to a consumer 's dispute within 30 days. If the review isn't completed, the agency is obligated to remove the disputed error. 
As of XX/XX/2021, Experian has failed to respond in my certified request letter asking to validate the accuracy of their investigation regarding the following accounts ; XXXX XXXX. Account ending in XXXX, XXXX XXXX Account ending in XXXX, XXXX. Account ending in 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 2021-02-01
Company: GreenSky, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello in 2018 i went to XXXX XXXX XXXX to do an estimate of a XXXX XXXX treatment but I didnt like it because it was too expensive for me and I left, a year later I got surprised when I saw in my credit I had a debt of XXXX dollars so called them and we were in dispute for several weeks later they removed the charge but they left a due of XXXX dollars and they still reporting that, and that is so unfair because I didnt take any service of them I just went for an estimate, and I'm worried because they keep reporting that and I know eventually that will hurt my credit score, I need them to remove all those charges because I didnt take any service or product from them and GS loan XXXX  is the company that is charging me for tha Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019 I received a {$40.00} payment through cashapp. When I went to pull it off onto my direct deposit card it closed my account and now I have XXXX in my account that i cant get off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE AS SOON AS POSSIBLE.

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