BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: SLM CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In response to many complaints that I have submitted against SALLIE MAE. My name is XXXX XXXX a federally protected consumer, an agent and principle, holder in due course and attorney in fact to XXXX XXXX. In reference to Account # : XXXX And follow up to cfpb complaint # XXXX Im aware Sallie Mae stated Please understand that under the Fair Credit Reporting Act, as a data furnisher, we are required to report accurate and complete information to the consumer reporting agencies Im aware that Sallie Mae is making false statements that will now be used against in court. 

I recently received my trimerged credit report on XX/XX/2022 and spotted that Sallie Mae is reporting inaccurate payment history on my credit report. 

On XXXX, Sallie Mae is reporting that i was past due 60 days once and past due 90 days 3 times. How is that true when an account is suppose to become 30,60,90,120, CO in proper reporting standers. 

On XXXX, Sallie Mae is reporting that i have never been late not once on this account. So whats actually thee truth. 

The information on my credit report on inaccurate and not complete. 

I understand that Sallie Mae has violated the FCRA and i have attached viable proof that will be use as an exhibit in federal court. 

I am also aware that Nonpublic personal information is supposed to be EXCLUDED from my credit report. Nonpublic personal information includes transactions between me and the furnisher. Late payments and charge offs are transactions. Sallie Mae has engaged in using unlawful extortionate means which is a violation of 18 usc 894.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: GATEWAY FIRST BANK
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2022, I submitted an appraisal for my house that I had a mortgage with Gateway mortgage. The appraisal was for {$190000.00}. This was to evince that I had more than the necessary equity to eliminate the private mortgage insurance ( PMI ). They refused to do so even though I had over 80 % equity in the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Upon learning about the XXXX  security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XXXX XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

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 2022-06-13
Company: SYNCHRONY FINANCIAL
State: NY
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:
I worked with my dentist office to get a service and they used CARE CREDIT by Synchrony. 

The terms were not clear, communication missleading and I ended up paying over XXXX dollars in fees and interest over 8 months for an expense of XXXX On top of that after approving my credit 8 months ago and nothing changing, they changed my limit drastically impacting my credit score

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion XXXX XXXX is reporting unauthorized information on my credit profile. 
Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-06-13
Company: Securus J Holdings, LLC
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
JPAY XXXX XXXX for Returning Citizens from XXXX. 

XXXX XXXX File No. XXXX I was released from California XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX and was given my release money on one of these JPAY cards. I tried to use it to set up utility accounts and order things online but was charged all kinds of fees, I was also charged a fee to transfer the money to another bank account and to get my cash off of it. 

All of the things mentioned in the consent decreee happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This entity has not reported payments of two loans with it's entity to any credit bureau. It is believed that this entity violated the truth in lending act and several portions of the Fair Credit Reporting Act. This entity has been reported to the IRS XXXXXXXX XXXX XXXXXXXX for audit, recovery and recoupment of any and all remittances or monies owed to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The credit bureaus stated that my account with XXXX XXXX came back verified but how is that possible when the status does not match all three credit bureaus. The status updated dates do not match. The last payment date and date of first delinquency also do not match. This is grounds for removal. 

My rights were also violated. 15 U.S.C 1681 Section 602 A states that I have the right to privacy. 15 U.S.C Section 604 A states that a consumer reporting agency can not furnish an account without my written instructions. I gave no such instructions.

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 2018-11-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services assumed our home loan, and charged an Advance Adjust fee or {$76.00} without cause. No reason, just added $ to our principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: U.S. BANCORP
State: TN
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:
XX/XX/2017 {$13000.00} us bank cheat me im ask a o % interest in12 month and cash us bank give me different product i need help to fix this case thank you

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 2022-06-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have made several attempts to have my address updated with both TransUnion and XXXX over the course of three years. I've tried to apply for financial assistance with dental and medical but get denied due to the wrong information and reasons will be mailed to me. Once the reason comes in the mail, its due to the wrong address with the credit bureau. Both credit bureaus have told me that the information they have in there system is wrong and will transfer me to a different department who will then verify my information besides my address and state that the issue was fixed but once I check it wasn't and the process begins with me calling again.

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 2021-03-09
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CONVERGENT OUTSOURCING put a collection on my credit report I called them and they couldnt verify the account I told them to remove the account and they wanted my social security number and drivers license info

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 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( Trans Union ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any XXXX authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

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 2022-06-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
With specificity I am disputing the following inaccuracies on my credit report. 

XXXX XXXX XX/XX/2014 opened XXXX XXXX XX/XX/2014 opened Dispute : These are not my accounts. No account numbers are showing on my credit report, 7 tears have passed, so therefore they should have been removed

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 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I sold tickets on XXXX. Two days AFTER the event, the buyers reported to XXXX that my tickets did not work. I tried settling it out with XXXX and did what they asked me to do. I contacted XXXX XXXX XXXX ( the venue ) to ask for a scan report for the event and my tickets, and they told me they are unable to send me the scan report because they do not keep scan reports. I then contacted XXXX ( original ticket selling website for the event ) and asked them for a scan report and they told me they do not have scan reports for the event. I emailed XXXX all of my conversation transcripts with both XXXX XXXX and XXXX. I also emailed my original order receipt for the event. XXXX emailed me back saying they understand that it is beyond my reach to obtain the scan reports. Then I saw on my bank account that they immediately took out the money from my bank account. I asked XXXX for proof that the buyers really were not able to get in with my tickets, and any other proof that they did not just reported me just to get their money back even though they got in to the event. XXXX NEVER replied to my email after they have already taken out the money from my bank account. XXXX did not show me proof that the buyers were not lying, and I did everything I could to cooperate and get all the information that I could. I disputed this charge to Bank of America, but they decided to close the case in favor of XXXX. I would like Bank of America to research this further and help me obtain the proof that I am asking from 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 2017-09-12
Company: EQUIFAX, INC.
State: WI
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:
Equifax had a social security number leak on XX/XX/XXXX with up to 143 million people involved in the U.S. As of now, XX/XX/XXXX, I am not sure I have been affected. This is extremely worrying to have your SSN available to be used for identity theft and fraud, considering that Equifax is supposed to keep our SSN 's safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My vehicle was repossessed for late payments. I called the company to pay the full balance of late payments and the representative would not accept the payment. The representative stated I must pay the full balance of the loan. I could not pay the full balance and my vehicle was sold with the remaining balance still owed. I am receiving letters to pay the remaining balance when my vehicle was illegally taken after a dispute with my employer. I also believe the amount owed is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was scammed few months ago and been trying to get my money back from back and XXXX XXXX. How it happened was through bitcoin. I sent the money from my bank to XXXX XXXX then buy bitcoin and finally send it to their wallet ID

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 2022-06-13
Company: BSI Financial Holdings, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a refinancing loan with XXXX XXXX XXXX/BSI Financial Services on XXXXOn that date, {$1300.00} was held in escrow for XXXX XXXX XXXX taxes due XX/XX/XXXX XXXX The amount owed was {$1000.00} by XXXX have a copy of the tax bill. 
In XX/XX/XXXX, I received a certified letter from XXXX XXXX XXXX XXXX XXXX informing me that I owed {$1200.00} for XXXX taxes ( plus late fees ). I immediately contacted BSI as well as sending them a copy of the certified letter. In XXXX, I called BSI and the Tax Claims office almost daily to see if the issue was corrected. Each time I talked to a BSI customer rep., I was assured that it was being taken care of. It wasn't! I asked to speak with someone in finance... I was denied! 
In XXXX, I received a check for escrow overpayment of {$1100.00} which was caused by the failure to pay XXXX XXXX property taxes on my home as well as my land. I had personally paid approximately {$300.00} for my land taxes in XXXX assuming there would be confusion paying the land taxes too. 
My complaint is that I am owed the difference of {$1000.00} and {$1200.00} or {$180.00} for late fees accrued for BSI not paying the owed County property taxes. By law, they are responsible for any late fees and it is not right that they will not meet their obligation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax has reinserted 2 accounts on my credit report that are fraudulent that do not belong to me and are a part of identity theft. There is a XXXX account that I disputed a while ago that was removed and not it has mysteriously has been put back on my credit report. I asked for a signed contract with my signature for and XXXX did not furnish this..So the account was never validated. There is a XXXX/Home account that does not belong to me. A consumer can not show proof of something that there is no signed contract with a signature on it. I asked for a signed contract and never received. I want these accounts removed for they are damaging my credit score. I will be forced to file a lawsuit similar to the Oregon federal court lawsuit in XXXX 2011,  XXXX XXXX of XXXX County, Oregon. One would think that once you have been sued for millions you would learn from your mistake. There is no contract that I signed to " share information '' for any of this false accounts.

Company response to consumer: Closed with non-monetary relief