BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-13
Company: SLM CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2022 my Sallie Mae credit card was fraudulently used in XXXX  at a XXXX XXXX to purchase over {$900.00} in products. I live in XXXX and have never been to XXXX outside the XXXX XXXX. Sallie Mae approved this large {$900.00} transaction in a different state when the credit card hadn't even been used the prior 2 months. The XXXX XXXX employees allowed a purchase to be picked up without verifying ID or credit card. I did not authorize or approve this transaction, nor did I share my personal and credit card information ( other than typical online purchases ) with anybody to allow for this transaction to happen. I reported the fraudulent transaction to Sallie Mae immediately. They cancelled the card, sent out a new one, and started the investigation. A month passes and I receive an email from Sallie Mae stating that they believe this was a valid transaction. And because I know it's not, I am disputing their investigation. Under no circumstances will I pay this bill to Sallie Mae. I will take them to court over this if I must, they will not ruin my flawless credit history with their inept investigation. A week before this Sallie Mae fraud I also had 3 other credit cards that were fraudulently used- XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In the attached letter I add more info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I submitted a claim last year in reference to my Santander loan. But wasnt given any solid information. Santander consumer is known for charging unnecessary fees and preying on their consumers with outrages APRs. I had my car for over 5 years and the balance never changed from {$17000.00} ( XX/XX/XXXX ) until XX/XX/XXXX and it finally moved to {$16000.00}. They are trying to show that I was late XXXX times, when I WASNT. I do not owe over {$15000.00} after having the car for YEARS!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
CC payment of {$47.00} due XXXX/XXXX/16. Paid {$50.00} on XXXX/XXXX/16, the next official banking day. Assessed late fees of {$35.00} by bank. Called on XXXX/XXXX/16 to complain and late fees were reversed. However, bank maintains that I still owe {$82.00} ( {$47.00} + late fees ). I have been called on five separate occasions to request immediate payment and I refused. I have asked HSBC to stop the phone calls, but they still come. I am on XXXX and paying more than {$50.00} is a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2019-12-12
Company: SYNCHRONY FINANCIAL
State: CO
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:
PayPal security is blocking the use of my PayPal Credit/Synchrony account with vendor XXXX. 

PayPal Security was able to *assume* a security risk preventing use of PayPal Credit/Synchrony account. PayPal security was unable to explain any *risk* blocking the use of this account after conversing with three representatives in the past 24 hours. XXXX, PayPal Security Supervisor, was forced to acknowledge PayPal 's failure to serve my needs this morning on a recorded line. 

PayPal Credit/Synchrony has approved many successful transactions in the past month as there exists NO ISSUE WITH MY ACCOUNT OF ANY KIND. Meanwhile, PayPal can not explain its denial of my right to do business with XXXX. This is financial discrimination and a violation of my basic consumer rights.

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 2020-06-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: AZ
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 the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Public record information inaccurate

Complaint:
I have a inaccurate Bankruptcy reporting on my credit file that doesn't suppose to be there. This was dismissed later and shouldn't be on my credit file with Experian, XXXX or 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 2022-05-13
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING and RESURGENT CAPITAL SERVICES third party debt collectors attempting to collect a debt on the basis of fraud. This notice is to inform you that you unlawfully reported fraudulent account that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. COMMUNICATION WITH THE CONSUMER GENERALLY- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector does not have the right to communicate without a prior written consent period. 1 ) 15 U.S. Code 1692b. 15 U.S. Code 1692e. False or misleading representations. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1692 B ( 2 ) not state that such consumer owes any debt ;. 15 U.S. Code 1692 A 5. 15 U.S. Code 1692d. Harassment or abuse. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 15 U.S. Code 1692 c. Title 8 USC 809. Validation of debts [ 15 USC 1692g ]. Reference ID : XXXX, account # XXXX and account # XXXX fraudulently opened in my name. I am a victim of identity theft and did not open this account with LVNV FUNDING and RESURGENT CAPITAL SERVICES. I have sent LVNV FUNDING, RESURGENT CAPITAL SERVICES " DEMAND TO CEASE AND DESIST '' As this request has not been honoured and they are in VIOLATIONS, my CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud and Intentional act of fraud. SEEKING RELIEF AND MONETARY DAMAGES UNDER 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Intentional act of fraud. Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. I have file a lawsuit against both LVNV FUNDING and RESURGENT CAPITAL SERVICES. See you in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
EQUIFAX XXXX HAS FAILED TO REMOVE INFORMATION OF XXXX XXXX XXXX ACCOUNT NUMBER XXXX AFTER SEVERAL ATTEMPTS BY XXXX XXXX XXXX TO HAVE THE INFORMATION REMOVED FROM MY CREDIT FILE STARTING ON XXXX XXXX XXXX XXXX XXXX XXXX SENT INFORMATION OVER TO EQUIFAX EXECUTIVE DISPUTE TEAM ASKING THEM TO REMOVE ALL DEROGORTORY INFORMATION FROM MY FILE UNDER THIS ACCOUNT NUMBER, ON XXXX XXXX OF XXXX XXXX XXXX XXXX SENT ANOTHER NOTICE TO EQUIFAX XXXX TO REMOVE THE INFORMATION AGAIN. PER MY CONVERSATION THAT TOOK PLACE WITH XXXX BACK IN XXXX OF XXXX SHE STATED THAT INFORMATION WILL STAY BECAUSE THE INFORMATION IS INDEED MINE AFTER I TOLD HER I DIDNT HAVE ANY KNOWLEDGE OF THE ACCOUNT NUMBER LISTED. A CUSTOMER SERVICE AGENT FOR THE BANK NOT AUTHORIZE TO MAKE A DECISION ON THE ACCOUNT XXXX BANKS TOOK THE WORD OF THAT CUSTOMER SERVICE REP AND REFUSED TO DO AN INVESTIGATION ON THE EXISTANCE OF THE ACCOUNT ON XXXX OF XXXX XXXX POLICE DEPARTMENT DID ANOTHER INVESTIGATION CITING THAT THE ACCOUNT WAS INDEED FRAUDULENT AFTER SPEAKING WITH UPPER MANAGEMENT OF XXXX XXXX XXXX. ON XXXX XXXX TOLD XXXX XXXX XXXX TO CEASE FROM REPORTING THE FRAUDULENT INFORMATION. ON XXXX XXXX XXXX XXXX XXXX AND XXXX LAW FIRM HIRED BY XXXX XXXX XXXX. STATING THAT RIGHTS UNDER THE FDCPA AND NCFDCPA HAD BEEN VIOLATED. AND XXXX XXXX XXXX ADVISE EQUIFAX AT THAT TIME TO REMOVE THE ACCOUNT FROM MY CREDIT FILE. ON XXXX XXXX OF XXXX XXXX XXXX XXXX COLLECTIONS DEPARTMENT MANAGERS ADVISE ME THAT THEY HAD ALREADY TOLD EQUIFAX BY ELECTRONIC SUBMISSION TO REMOVE THE INFORMATION FROM MY CREDIT FILE BACK ON XXXX XXXX. XXXX XXXX XXXX ALSO ADVISED ME ON XXXX XXXX XXXX AFTER DOING ANOTHER INVESTIGATION STATED THAT THE ACCOUNT WAS NOT REPORTING TO MY EQUIFAX CREDIT FILE. AS THEY PULLED MY CREDIT REPORT TO DO THE INVESTIGATION XXXX XXXX. ON XXXX XXXX XXXX I RECEIVED INVESTIGATION RESULTS FROM EQUIFAX STATING THAT THE ACCOUNT WAS CERTAINLY REPORTING TO MY CREDIT FILE. AFTER ANOTHER CONVERSATION WITH XXXX XXXX XXXX SHE STATED THAT THE INFORMATION WILL REMAIN ON MY FILE EVEN AFTER THE CREDITOR ASK HER AND EQUIFAX TO REMOVE THE INFORMATION IN QUESTION. ON XXXX XXXX XXXX XXXX XXXX XXXX SENT ME ANOTHER LETTER STATING THAT THEY HAD CHECKED MY CREDIT REPORT AND THE INFORMATION WAS NOT REPORTING. AND THAT THE INFORMATION SHOULD NOT BE REPORTING. THEY HAVE ASKED EQUIFAX ON SEVERAL OCCASIONS NOT TO REPORT THE ITEM. THIS CLEARLY SHOWS THAT INFORMATION IS BEING RE INSERTED BACK TO MY CREDIT FILE WITHOUT PROPER DOCUMENTATION BEING SENT WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Genesis FS Card Services, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I did not open nor charge any purchases onto the Destiny credit card. I have tried to reach out to the company without any response. Any assistance with this being removed would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Tribal Lending Enterprise, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Interest rates are too high that paying more or the minimum reduce the total cost of how much I owe. It would go up. And the tike to payoff loan takes much longer than usual. I would also deposit a high amount of money but with interest it does not make a difference reducing how much I owe.

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 2022-05-13
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported my phone and chime and XXXX XXXX being stolen and hacked i let chime know what was going on since I bank with them chime responded to my transaction dispute and XXXX hours n denied it promptly I explained and pleaded sent more information chime claimed they escalated my issue n someone would call me no one called not a soul but everyone messaged me I have several run around messaged and promises they were not concerned or helpful at all no one cared no one I told them I was confused and I felt discriminated against no one called the next day they denied my claim I said I would get a police report they denied it and said not enough information and pushed me off as if this never happened to me I never had someone steal and use my money as if it was me and I never have a company not care let alone message n show it in proof

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Academy Mortgage Corporation
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/XXXX I started looking for a home to purchase in XXXX, GA. I was pre approved for {$180000.00} found a home packed up a XXXX and drove down to XXXX. This entire process took place by email, phone, and by mom on my behalf who live in XXXX. Gave {$1000.00} in earnest money to my realtor. Once I got to XXXX I never closed but I also was't denied. I was in limbo I was told that if i got denied on my part I would n't get any money back. If it was their fault I would get {$750.00}. XXXX this day I have n't gotten a straight answer from the lender or the realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
on XXXX XXXX XXXX i filed a complaint file number XXXX XXXX regarding my account at XXXX XXXX XXXX XXXX to correct my paided account to transunion.. they did do that and also agreeded to honor customers request to have it removed from all three credit reporting agencies.. all have except transunion as of this date XXXX XXXX XXXX. i have sent them. transunion the attached letter from the cfpb response from them stating they would request removal of this account in which they sent me a letter stating they had recieved that info .... i have also faxed transunion a letter from XXXX XXXX XXXX stating that they have requested deletion of this account from my report// have called XXXX XXXX XXXX and they tolded me they have requested removal of that account NUMBER XXXX XXXX XXXX..and have asked transunion twice to delete.. in which they have not .. also account number XXXX ... .XXXX XXXX XXXX acct number XXXX was paided in full XXXX XXXX XXXX for XXXX it has been updated to paided in full .. but not deleted per request of XXXX XXXX XXXX for deletion per request of them to transunion. i have talked to them several times via phone also and they stated they have requested deletion by transunion..in which transunion has not done so..by looking that complaint you can see that they stated to that fact of deletion

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 2022-05-13
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
When I looked at my " updated credit report '' I noticed that There are still accounts and new inquiries that DO NOT belong to me but are affecting me negatively. The Unauthorized inquires the i need deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The unauthorized accounts that I already reported to the credit bureau are XXXX XXXX XXXX {$10000.00} opened XX/XX/XXXX, XXXX opened XXXX {$110.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$630.00}, XXXX XXXX XXXX {$1600.00}, XXXX {$530.00}, and XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$10000.00}. These item are stopping me from being accepted inti the first time home buyers program and stopping me from being able to move into a saver neighborhood for my children. I have sent in my identity theft affidavit from The Federal Fair Trade commission. Please delete the items 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
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX # 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-04-21
Company: Navient Solutions, LLC.
State: NC
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 submitted a complaint and this was the response send to CFPB. It shows I'm sending payments but it shows how the loans have never adjusted in amounts in years. I want a statement of account showing payments and how they affect the loan amount. How can someone pay money monthly for a decade and still have the final balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Equifax has demonstrated an unwillingness to remove fraudulent credit accounts and all fraudulent charges associated with my identity. My identity was stolen in XXXX XXXX and I have been working diligently to have all fraudulent charges and accounts removed from my credit history/score since XXXX XXXX. This is a totally unacceptable result and sub-par business practice on Equifax 's behalf. I have repeatedly called and reached out to Equifax for assistance to have the fraudulent charges expunged but fraudulent charges are still reflected on my credit history as of XXXX/XXXX/XXXX. This appears to be a chronic consistent pattern of unsuccessful results with poor customer service and satisfaction. Nothing gets done on their end ( Equifax ), so nothing gets done .... Very negative experiences attempting to work with Equifax with poor communication. Customers can not submit requested documentation to XXXX fax numbers provided by Equifax. I have attempted to fax information back to Equifax since last week XXXX/XXXX/XXXX but have been unsuccessful. The errors being on the part of Equifax. The fax numbers provided are not working with busy signals and no connection. No immediate alternate option was provided to correspond with Equifax other than by regular mail. No email address was provided to submit documentation needed to assist immediate consumer issues. XXXX and XXXX have removed all fraudulent charges from my credit history but Equifax has not done so. This must be corrected at once. I respectfully request an immediate investigation into Equifax business practices. The ineptitude exhibited from Equifax in overwhelming and customers are suffering as a result of their indifference to perform the job. Please assist asap. Thank you.

Company response to consumer: Closed with explanation