BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am continually receiving calls from Sallie Mae student loans. It is a recording asking me to call and set up payment. I have called the number multiple times to explain that I do NOT have any student loans, they were paid off between XXXX and 20 years ago. The cell phone number they are calling in new to me ( 4 months ) and they tell me each time they are removing the number from their records, but I continue to receive calls about every 2 hours from XXXX to about XXXX. This has been going on for more than a week. The last time I spoke with them I told them that I would be reporting them if I received another call and I have continued to receive calls.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: MS
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:
The was paid off as a total loss & its still reporting as a full balance & missed payments that the lender agreed to remove, The payments where deferred during secton 34 of the cares act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The was paid off as a total loss & its still reporting as a full balance & missed payments that the lender agreed to remove, The payments where deferred during secton 34 of the cares act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
About 3Q XX/XX/XXXX PNC changed the mechanism and policies related to linking accounts with other banks and financial services such as XXXX XXXX, XXXX XXXX, and XXXX. The procedure for linking accounts requires a mobile phone number. Some mobile phone providers and virtual mobile phones such as XXXX XXXX do not support the SMS messages required by PNC. Other financial institutions with similar requirements appear to support XXXX XXXX numbers and 3rd party mobil phone providers. PNC 's limitations make it difficult for some people who do not use a phone network they support. Furthermore, ( though this is probably a separate issue ) today ( XX/XX/XXXX ) XXXX XXXX was unable to link accounts with PNC even after resolving the issue with mobile phone verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I received a phone call from someone pretending to be a Wells Fargo employee stating that they were calling because my account had been flagged for attempted charges in XXXX Fl, I reside in XXXX XXXX, NV. They said charges had been attempted at XXXX XXXX for {$500.00} and XXXX and a transfer thru XXXX for {$1000.00} The inbound phone number was a valid WF #, I know the number at a glance because I have been banking with them since XXXX. The caller used all the correct verbiage a bank employee would use so I had no reason not to believe I was on the phone with the bank employee. They said they had to cancel my debit card and issue a new one but in order to do so they needed information from me. I gave them my card # and they claimed to do the transaction to issue a new card, they said I would get a follow up within 24hrs. 
I waited but no call came, no new debit card arrived in the mail and upon looking at my account I noticied a {$1000.00} debit to my account thru XXXX sent to XXXX XXXX, no phone number was indicated.. 
I filed a claim which was denied, I made an appointment to see a banker, she said the claim said it appeared as though I transferred the money to myself. That makes absolutely no sense. She said I did nothing wrong and that I would get my money back. So she opened a 2nd claim. 
That claim was also denied, now Wells Fargo is claiming that I authorized this transfer, when in fact I did not. So first I transferred the money to myself, then I authorized the transfer to someone named XXXX XXXX, whom I do not know. 
I met with yet another banker at a different branch to see if I could get my claim reopened or escalated, again she's is looking at my account and says " Something seems off ''. I agree. 
They will not reimburse me for the {$1000.00} transfer and I know for a fact there were other victim of this same scam in California who did get reimbursed. Wells Fargo will not take any responsibility for protecting their customers from situations just like this. 
I feel like a victim that is not being heard and hope you can help me resolve this. 
I still bank with Wells Fargo even after dealing with this for the last 6 months but {$1000.00} is a great deal of money for someone on a fixed income and they just don't seem to care. I have exhausted my options with WF so I am turning to you to try and make this right. 
I will provide the documentation I have but feel free to contact me if you need further docs. 
Thank You. 
Respectfully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Every month for the past 6 months Ive been paying my credit card by the due date, yet I get a late fee charge every month saying I did n't pay the right amount by the due date. I have to write in and get a credit or call and yet the minimum payment includes the late fee amount. Another thing is that I lost my card and a new card was issued. well on my credit report it shows  XXXX  reports on the same card,  XXXX  for the lost card and  XXXX  for the new card. they  XXXX  have late reporting of 30 days but the problem is the first one that shows lates on a particular month is showing no lates on the replacement card account..this is happening on li ke 4 diff erent months ... I called and disputed this 4 times now and it has not changed either ....

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 monetary relief
Consumer complaint received 2017-02-15
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2017, XXXX XXXX Loan License mortgage loan officer who worked with AnnieMac Home Mortgage located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX with office number : XXXX ( XXXX ) XXXX. She called me and e-mailed and offered me refinancing my property to save my mortgage payment. After we talked over the phone, she e-mailed me requirements to submit to their company directly to her. My partner and I submitted our documents together. Our documents contains our personal information, financial information, tax records, from our social security to our pensions together were all submitted to her. After completing submitting all the documents, I never hear from her anymore. I called and left messages and emailing her and still no response from her. After couple of days, I called back again and the sales department told me that she was no longer working there and he told me, the manager will be calling me. I never received any calls anyone of them until now. Just our concerned was, " where are our documents ''? Are they safe? Are they with XXXX XXXX? Despite of my calls and e-mails to this company, nobody will email me back at least will tell us what was happening? They claim that has been in business for 20 years helping families, but it seems that they are scammers getting personal financial information to innocent family like us. This company should be flag giving warning to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent in letters to the credit bureaus requesting that they verify some inaccurate things on my credit report. To this day XX/XX/2022, I have yet to receive a response from them and I feel like I am being ignored. I take my credit very seriously and these false items on my report are holding me back from a lot of opportunities I am trying to achieve. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are several accounts showing on my credit profile that I have never provided my authorization for

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 2016-07-18
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX, I signed a credit card agreement through Home Depot that Citibank services which stated that I had 24 months of interest free financing. When I discovered that Citibank charged my interest on the principle after 6 months, I called Citibank to get this issue fixed. The rep said it was n't Citibank 's fault and that it was my issue and Home Depot 's fault for not sending Citibank the correct documents. Eventually, the rep said she would fix the account and apply 24 months interest free financing. That never happened. Since XXXX XXXX, I have called many times trying to get this resolved. Most recently, I called and talked with XXXX ( REF # is XXXX ) in XXXX XXXX. She was very resistant to resolving this but agreed to do it. It 's now XXXX XXXX and nothing has changed. What Citibank and Home Depot are doing is fraudulent. This needs to be fixed immediately. I have been charged literally thousands of dollars in interest fraudulently.

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 monetary relief
Consumer complaint received 2022-03-16
Company: Amsher Collection Services, Inc.
State: NC
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:
XX/XX/2019 ( 2 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Original creditor name 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 2022-03-16
Company: Ocwen Financial Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2022 PHH Mortgage accepted a wire transfer for a payoff of a mortgage. They are holding the money but have not applied it to the loan and are charging interest and late fees due to what they are alleging is an underpayment. 

I have spent 3 days trying to make a payment but can not get in touch with anyone to be able to apply a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
On XX/XX/XXXX our daughter turned in her leased XXXX to XXXX XXXX & leased another XXXX. She was over her mile yet the dealer never mentioned it to her. the next thing we know, we get a notice from XXXX that both my daughter & my wife ( who co-signed ) were put in for a charge off. We did n't even know we owed them money they never made any attempt prior to this to collect that debt. My wife took out a loan & paid the {$4500.00} to XXXX. We just found out thatthat charge off is still showing up on my wife 's credit report stating the {$4500.00} has not been paid. I sent a letter to the President of XXXX regarding this matter but never heard from him. A credit mgr told us this may be revenge as the charge off is off my daughters report but not ours. 

XXXX did this to me as well, a few years back the repossessed my XX/XX/XXXX XXXX XXXX. My business went down & I found myself in a very bad place & I understood this. I got a letter from them stating I owed them {$6000.00} for the amount owed after the auction. The same day I getthe letter I get a phone call from a collection agency stating I owe them the approx ab=mount of {$6000.00} but they will take approx {$4500.00} a payment. They advised me this account was in a charge off. A XXXX charge off by XXXX without making any effort to give me a chance to pay it off. I advised the collection agency I will pay the full amount once the charge off was removed. I was told they could n't do that, I advised them there was no upside to me paying the debt as 1 - I had no car ... 2 ) it was a bad report on my credit & 3 ) I would be out the {$6000.00}. I also advised them that the repo guys in pulling out of my driveway very fast because I was out walking my dog bottomed out & damaged the left front bumper which was n't repaired. This would have had an effect on the sale price. I did n't feel I should have to pay for that as well. I understood & was n't angry about the repo. However at XXXX on a snowing Saturday morning XXXX guys are running around my neighborhood Yelling repossession over & over again as I asked if I could just get my stuff out. I had to travel XXXX hrs round trip to get my stuff That is when I saw how bad the bumper was & that it was n't repaired. 

The bottom line is Honda Finance puts a charge off on your credit even though they did n't attempt to collect the debt XXXX. I complained to both XXXX & my Senators, crongress women & state representatives & have not even receive an acknowledgement form them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
In XXXX I lost my Job. I was unable to make payments towards my Bank of America FIA card service line of credit. The accound was charge off in XXXX of XXXX and sold in XXXX of XXXX. A couple months later I was contacted by XXXX and XXXX. I was offered a settlement but I was unable to accept the offer due to the fact I was still unemployed. They suied me and got a judgement against me. 
I tried contacted FIA Card Service to try and settle the account. I was not able to contact them so I contacted the law office of XXXX and XXXX. I spoke to a XXXX XXXX he was not willing to assist with me since a garnishment was against me they wanted a one time payment.

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 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TO WHOM IT MAY CONCERN, I HAVE RIGHTS WHICH YOU CONTINUE TO OVER LOOK! You the credit bureau are also a debt collector! And are in violation of my rights as a consumer! The FTC will be made aware of this also! For your deliberate abuse and malicious intent to not scrutinize the law carefully, I will be forced to take Federal Action! If I've told you ONCE I shouldn't have to tell you over and over again! This is my LIFE are you really doing your JOB? " SCRUTINIZE 15 USC 1681 ( a ) ( 3 ) ( 4 ) very carefully ''! You must not know who I am, and how much power I actually have! 28 USC 3002. The United States is a Corporation that I am not a citizen of, BUT A CONSUMER and also an administered agent according to 15 USC 1602 ( o ). Now the term Consumer means any natural person obligated or " ALLEGEDLY '' obligated to pay any debt. 15 USC 1692a ( 3 ). Under the FDCPA I want you to Validate any debt you say I have on my CONSUMER REPORT! There is abundant evidence of the use of abusive, deceptive and unfair debt collectors. Which you happen to be one of! There are no laws in place for debt, the only law is to protect me the CONSUMER from debt! 15 USC 1692g ( c ) ADMISSION OF LIABILITY. The COURT can't say I owe it if I say I don't! So who else can say I do ... YOU? NO ONE!!! PROFF THAT A DEBT COLLECTOR CAN NOT VALIDATE A DEBT. I am the original creditor and consumer, security interest secured my obligation. The term credit card means any card or other credit device existing for the purpose of obtaining money! So my social security card is also a credit card, with an INDEFINITE amount! 15 USC 1602 J. TRUTH AND LENDING OPEN END CREDIT PLAN! Social security cards belong to the social security administration. I give it back to them at there request. So there for I'm just an administered agent, I DON'T OWE ANY DEBT! 18 USC 8 will provide that information to you. Again, REMOVE ALL DEROGATORY MARKS FROM MY CONSUMER REPORT AT ONCE! REMOVE ALL XXXX  XXXX {$680.00} {$580.00} {$550.00}. REMOVE XXXX XXXX  {$2600.00}. REMOVE XXXX  XXXX  {$1100.00}. REMOVE XXXX, XXXX XXXX XXXX {$910.00}. REMOVE XXXX XXXX {$230.00}. REMOVE XXXX  XXXX XXXX {$7300.00}. REMOVE ALL XXXX XXXX {$280.00} {$240.00} {$290.00} {$240.00} E.T.C. SO LET IT BE WRITTEN, SO LET IT BE DONE!!! P.S THIS IS NOT A GAME ... THANK YOU FOR YOUR CLOSE SCRUTINIZE OF THIS MATTER!

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 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive addressed the fact that portfolio recovery has been continuously re aging an account that they purchased. Ive tried resolving the issue with all 3 of the bureaus, the company itself as well as your company and its still reflecting as a reaged account which is effecting my credit.

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 2022-07-12
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX filed a claim with XXXX XXXX XXXX insurance which is not my insurance company. They were presented with a XXXX XXXX XXXX at the time of the service and still did not get it correct. After a few months, they contacted me by mail with an invoice saying I am responsible for {$660.00} for the tests. Tried calling and could not get anyone to answer the number on the invoice but was rather referred to XXXX XXXX. After logging in and seeing the incorrect insurance, tried to correct it online but to this date, it has not been corrected even though a claim was filed and denied because of coding errors. I have made numerous attempts to contact XXXX both online and on the phone to no avail. I called my insurance company to try and resolve this and they have reached out to XXXX  and to XXXX XXXX, XXXX at XXXX XXXX XXXX who ordered the tests. I have made 2 trips to the Doctor 's office and supplied them with copies of XXXX 's invoices trying to get the claim filed correctly. Again, to no avail. After months of trying to get this issue resolved without success XXXX has turned me into a collection agency, Credit-Control LLC who called me and I told them that I disputed the claim because XXXX  has failed to obtain the correct coded for the procedures in question. The agent said she would show this as a disputed claim. A month later I get a letter from Credit-Control LLC which I will attach along with my response. Tried calling them last night and got on. the merry-go-round of will you make a payment, set up a payment plan or wait for an agent. After about 15 minutes I was told to leave a message and someone would return my call but when I did not leave a message, the call was disconnected. I then proceeded to send in a copy of their statement along with a copy of the EOB for the charges they were requesting payment for to XXXX. After multiple attempts to get this matter resolved, going above and beyond on my part, I get turned over to a collection agency. This should not be reflected upon my credit report as so many things now are based upon my credit score. Things like insurance rates, credit card rates, car loans and God only knows what else. One company 's inept business practices show not be an instrumental key to this horrific practice. Last check my credit score was XXXX with no late payments of any kind or negative factors reported.

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 2016-07-05
Company: CORELOGIC INC
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was advised to get a " CORELOGIC TELETRACK ''. tHEY SENT ME THE REPORT THAT HAD A COVER LETTER WITH MY CORRECT NAME AND ADDREES XXXX DOB XX/XX/XXXX LIVING THE LAST 34 YEARS AT XXXX, FLORIDA XXXX but the documents inside where for XXXX at XXXX, FLORIA XXXX WITH A BIRTHDAY XX/XX/XXXX.in XX/XX/XXXX i had problems with identity theift with the IRS. IT Took me almost 3 years to sort out this theift. Now it appears someone is stealing my ID again. 

I don '' t what to do. Can you make this complaint? 
THANK YOU XXXX XXXX, Florida XXXX Email : XXXX Phone : 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