BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-22
Company: SLM CORPORATION
State: NY
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:
As a typical XXXX grad of the modern century, i have XXXX loans taken out for my entire college career. one from the Dept of education, one from discover, and the last with Sallie Mae. Also, typical to college grads, i elected NOT to consolidate my loans because i have intentions of going back to school to pursue my medical license and begin practicing Veterinary Medicine. The issue that im having however is balancing paying my three student loans because SALLIE MAE has been taking money directly out of my bank account ( NOT PAYCHECK ) for the sum of $ XXXX. This is an issue because i never authorized automatic payments to be made. So today, when i went to make a payment to my XXXX student loans, i found out that my bank account is now on their prohibited list because of Sallie mae constantly taking money out, leaving my bank account in the NEGATIVE therefore leaving discover without a payment! SO now because of this unauthorized deduction, my discover loan is in the process of defaulting, because of that, i may not be eligible to apply to XXXX XXXX. Sallie mae is literally destroying my life and is making me regret my entire decision of attending college. After SEVERAL attempts to talk about this topic, im becoming more and more upset. once a Sallie Mae rep hears me begin to discuss my concern, they put me on hold and they never have someone answer me. i currently work in a XXXX XXXX XXXX doing 12 hours shifts, so my time is EXTREMELY valuable ... sallie mae has driven my ability to manage my finances into the ground.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted disputes with Equifax six times regarding the same company 's error 's. At one point the info was updated and removed now it back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife ordered some make up on a trial basis about 8 months ago and checked off the subscription box in error. She received her trial make up and decided she did not like it. We never gave it another thought because I had been diagnosed with XXXX XXXX and were busy with countless trips for treatment and XXXX. I was reviewing our XXXX bill in XX/XX/XXXX and discovered a charge of XXXX for a make up that we did not get. I then back 8 months and saw charges for the same amount. I contact the merchant on XX/XX/XXXX and was rudely put on hold to never return. I called again on XX/XX/XXXX XXXX and spoke with XXXX who said that he would issue a cancel number to us and said to wait on hold. He never returned and did not issue the cancel number to stop the charges. I called XXXX 3 times on different dates for assistance and only have two dates listed on my paper work, XX/XX/XXXX, XX/XX/XXXX. On these calls plus the third call to the bank they acknowledged my complaints, advised me to call if any more charges came so that they could remove them. The bank managed to get someone on the telephone from the make up retailer on XX/XX/XXXX who issued a cancel order number to the bank and I and stated old charges would stay, new charges would be withdrawn. I a conversation with XXXX today I was told by person named XXXX that he would file protest for me but charges will stay. I asked for a new account number and was told charges would still be applied to new account. We have had this card for 6 years and our bill has been paid in full every month. I feel the merchant and today the bank is taking advantage of my age and current health.

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 2021-03-24
Company: Alpha Recovery Corp
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection letter from Alpha Recovery Corp. on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I asked for a settlement. The agent stated {$450.00} was the least they would accept. I paid {$400.00} by check and set up another check deduction on XX/XX/2021 for {$58.00}. On XX/XX/2021, I called and requested a letter stating the dispute was settled. The representative stated he would put in a request to email the letter and I will receive it by XX/XX/2021. I received a letter stating I owed {$130.00}. On XX/XX/2021, I went in online and paid the {$130.00}, I called the company on XX/XX/2021 and asked why they were not honoring the settlement. The representative XXXX XXXX said, it was an error and the account was settled and closed. I requested a settlement letter via email. I was informed that I would receive it in a couple of hours. She advised me to call again about the payment I submitted online because it has not processed. On XX/XX/2021, I got an alert from all 3 credit bureaus that I had a collection from bureaus investment for {$80.00}. I called XXXX XXXX and spoke with a collection manager named XXXX. He stated that I settled the account and did not pay it in full. He told me to stop talking and listen. I asked why would you give me a settlement then report that I owe {$80.00}. It makes no sense. I never received a receipt or letter stating the account was settled. I explained that I paid {$130.00} from the letter after you agreed to give me a settlement. He became frustrated and aggressive with me and emailed me a letter with the final payment amount of {$58.00} and balance due {$80.00}. I called thee additional times in effort to speak with his boss. They were answering the phone and not saying anything. I repeatedly said hello. This company is deceptive and misleading. The representative settled the account now they are reporting me as having a collection to the credit bureaus. I asked XXXX for the bureaus number and he gave me XXXX. Which is not a number. I have valid concerns and the company refuses to be honest. They are being evasive and giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: NV
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:
Credit Reporting agency will not remove or fully investigate account accuracy

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 2022-07-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed my accounts without notification. Have well over $ XXXX in accounts and Im not able to access or move the money and all my cards were shut down causing me to have issues with creditors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: VA
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:
I submitted the prior case number to Equifax through CFPB portal and yet again this has been closed out stating I'll receive a response in the mail which never happens. 

I am fully aware that my information was breached in the data breach settlement and have no confidence that Equifax will do anything that they advise. 

I am asking that the invoice for violations be made payable to me using the information on case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, ALSO AN ACCOUNT THAT IS NOT LATE, A LETTER OF EXPLANATION IS ENCLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My CD matures on XXXX XXXX and per the letter from Synchrony Bank I can only close the account by calling them at XXXX. After providing all information ( account number, security question, last 4 digits on SSN ) they do not confirm my request to transfer funds to my XXXX XXXX checking account. This transfer has been done before with them on previous CDs. 

A phone conversation for over an hour ended with XXXX saying she had to check some information and have a " 30 minute lunch '' and would call me after that. 

There is no valid reason for the long, long phone conversation for a simple operation. To make sure all info is correct I ask them to repeat back to me to make sure it is right. This should be a simple procedure and they are making it a problem, perhaps in hopes that I will let the maturity date slip and the CD will automatically renew with them. Not a chance.

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 2022-01-19
Company: EQUIFAX, INC.
State: OH
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:
I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: CREDIT ACCEPTANCE CORPORATION
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: Account status incorrect

Complaint:
The financing company repossessed my vehicle after EVERY single payment was made on time and then not even 24 hours of it being late they repossessed it for being Late. I had to pay repossession fees AND also hefty fees to the financing company ON TOP of my already HIGH payment. MY bank told me that they should have at least tried to bill my auto payment twice or three times before REPOSSESSING the vehicle. It was IN my bank account. NOW my credit report shows that I had a missed payment.

Also CURRENTLY I have made EVERY SINGLE payment BEFORE the agreed upon date each month so my credit report SHOULD show the actual payments. I am NOT happy about the fact  that the XXXX only shows I paid until XX/XX/XXXX when that is INCORRECT. I have paid EARLY every single month for this ENTIRE YEAR. I want the credit Bureaus to reflect the CORRECT payments. All it states on my credit reports is that it is current but only shows that I made  payments through XX/XX/XXXX. It should be showing XXXX and XXXX both of XXXX as well. 

View all accounts XXXX XXXX XXXX XXXX XXXX - 2 Missed Currently on-time Overview You've paid off 10 % of the original amount. 






Balance {$19000.00} Highest Balance {$21000.00} Monthly payment $ XXXXOpenedXX/XX/XXXX ( 1 yr, 5 mos ) Term66 months Payment History Youve made 88 % of payments for this account on time.

XX/XX/XXXX Current Current Current Current Current No Info XXXX No Info Current Current Current Current Current Current 30-59 Days Late Current 30-59 Days Late Current Last paymentXX/XX/XXXXCurrent Payment StatusCurrentWorst Payment StatusNo Info Account Details Account statusOpenTypeAutoResponsibilityIndividualRemarksConsumer disputes - reinvestigation in progressTimes 30/60/90 days late2/0/0 GO TO XXXX XXXX XXXX CREDIT ACCEPTANCE CO XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 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 2018-09-07
Company: EQUIFAX, INC.
State: IN
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 missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding Equifax once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of Equifax and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
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 missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX   once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been receiving letters and calls from Pressler , Felt & Warshaw , LLP located XXXX XXXX XXXX. XXXX New Jersey XXXX. Their phone number is XXXX. Everytime they call, I would explain to them that this debt they are coming after me is not my debt. This is for a XXXX  credit account. Presler, Felt & Warshaw states a judgement was enter on XX/XX/XXXX in amount {$1400.00} plus interest so total of {$1600.00}. Around XXXX, yes 19 years ago. I was a victim of identity theft. I did not know of this until around XXXX. When I contacted the 3 credit agencies, there was not much they did due to identity theft was not a thing like it is now. They said they would put an alert on my credit report. I was never served any court notices. I did speak to someone from Pressler, Felt & Warshaw few months back. I told them I wanted them to serve me properly and I would go to court and explain my case. I received another letter from them today. It was a Subpoena Written Questionnaire. The opening of this letter states if I do not return this questionnaire, I would be arrested! I was never properly served, I want to see how this debt belongs to me. They say this is a target credit account. I want to see where I signed to open this account. This is not my bedt and they are not giving me any chance to dispute this. This is a identity theft case from almost 20 years ago. How can they do this. I should be given the fair chance to dispute this. Instead of being threaten of arrest.

Company response to consumer: Closed with explanation