BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: SLM CORPORATION
State: WV
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out private loans through sallie for my XXXX degree. Upon graduating, I was told my monthly loan payment would be over {$1100.00} & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over {$1100.00} a month with interest rates about 13 %. This company does not work with you or help you to repay loans at all. It 's impossible to get out of debt with them. Not to mention, having loans out through this coming any has destroyed my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't have any knowledge of this account, I receive no communication in mail and when I researched company no information, and when sent to original they had no clue of the debt and letter was returned, I sent request of validation to company reporting and tho the credit bureau and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a bunch of inquiries that I did not authorize. They refuse to delete them from Transunion. They keep saying that they were validated BUT WILL NOT SHOW ME any proof

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 2022-02-20
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I have an active complaint against Midland about the way they have reported an account ( complaint XXXX ). Since I filed this complaint they have repeatedly flagged my account to the reporting agencies as a collection- as if it is a new collection and it is coming up as a negative alert with all agencies. I will attach what alerts I have gotten from XXXX as an example. Please note it is not an alert that they have noted my dispute, added wording etc just that they keep reporting a collection. Prior to the issue I lodged the complaint about, they did not do this AT ALL. I believe they are retaliating against me for filing a complaint with CFPB as a form of intimidation to get me to pay on a debt I do not believe to be mine and have request proof through your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is unknown XXXX XXXX credit card account on my credit report that was opened on XX/XX/XXXX and updated on XX/XX/XXXX with a collection of {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX NO XXXX FOR THE LAW FIRM XXXX, XXXX XXXX XXXX XXXX AND EQUIFAX CREDIT BUREAU ARE WRONGFULLY DISPLAYING ACCOUNT NO. XXXX ON MY CREDIT REPORT.BOTH THE BUREAU AND THE ATTORNEY VIOLATE THE BLACK LETTER LAW OF THE FAIR CREDIT REPORTING ACT, AN OFFENSE THAT CARRIES STATUTORY DAMAGES FOR EACH OFFENSE OF FALSE INFORMATION VERIFICATION. 
The proof is attached proving RE-AGING of this account.The reported Date of FIRST DELINQUENCY should match the date that the rent was 30 days late ( the rent is the debt that is being collected along with interest and fees ) .The judgement relating to the delinquent rent was filed in XX/XX/2013.The rent itself was late several months prior. 
In no case can the DOFD BE INTERPRETED AS XX/XX/2013, AS EQUIFAX reports. 
THIS VIOLATION CARRIES XXXX DAMAGES PER FALSE VERIFICATION. 
ANY ATTEMPT TO FURTHER COLLECT THIS DEBT WILL BE OFFSET BY CROSS-ACTION IN COURT for credit damage penalties due. 
HOWEVER, THE ACCOUNT SHOULD BE DELETED NOW FOR FALSE, CONTINUOUS VERIFICATIONS OF DOFD SINCE IT'S FIRST APPEARANCE ON THE CREDIT REPORT. 
OFFICERS OF THE COURT HAVE A HIGHER STANDARD OF EXPERTISE REQUIRED REGARDING THEIR LEGAL WORK.IT IS A PROBABLE COURT AWARD OF {$20.00}. OR MORE WHEN THE CREDIT DAMAGE CASE GETS TO COURT ONE WAY OR ANOTHER. 
I WILL SUE EQUIFAX AS WELL ... .SAME STATUTE IF THEY IGNORE THE EVIDENCE OF XXXX XXXX FRAUD, SUBMITTED TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
my name is XXXX XXXX today date is XX/XX/XXXX My Equifax Confirmation number : XXXX My FTC Report Number Is XXXX My Police Report Number Is XXXX I'm Writing This Complaint Myself Because My personal Information recently found out i was involved identity theft and data breach my personal information was used and sold on the black market also my information was also in the Equifax data breach back in XXXX according to XXXX dark web surveillance report it all started back on or around XX/XX/XXXX when my debit card was stolen after a XXXX XXXX sale at XXXX  in XXXX XXXX Fl my personal information including email and mailing addresses social security my driver 's license and even my phone number was hacked and taken over for 2 weeks 3 weeks and XXXX pin and password was change and taken over by hackers i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i don t have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all of my credit files Ive noticed that i have accounts listed or being reported on my credit file that which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also these accounts are not mine listed : XXXX XXXX {$390.00} Account number XXXX Account type Cell Phone and XXXX  XXXX  XXXX {$8600.00} XXXX XXXX XXXX Also finding out that my personal infomatiion was used to open up loans, Apartments used for XXXX 's Cars etc Apartments Listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: SUNTRUST BANKS, INC.
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In a previous request ( XXXX XXXX ) I requested my mortgage company, Suntrust, to draft my monthly payment from my Savings account instead of my Checking account at XXXX XXXX XXXX XXXX XXXX. Suntrust acknowledge the change and verbally assured me the XXXX XXXX draft would come of Savings. In XXXX XXXX Suntrust Mortgage did not withdraw the funds from Savings and instead withdrew it from Checking. I did not have the funds in Checking so I received NSF fees in the amount of {$60.00}. I brought this error to Suntrust 's attention and my issue was not resolved as Suntrust concluded they had withdrawn the money from the correct account. Suntrust was 100 % wrong. In my frustration I removed the automatic drafting by Suntrust. I intended on paying Suntrust by ACH from my bank XXXX XXXX. On the next payment I found out Suntrust will not accept ACH payments from banks. I had to make a 1 time payment from the Suntrust site for my mortgage. Therefore, I signed-up on line with Suntrust again to withdraw payment from my XXXX XXXX SAVINGS account. This was a brand new set-up so I had high hopes it would actually work correctly. I received a confirmation letter from Suntrust they would withdraw, effect XXXX, payments from my account type S for SAVINGS ( please see attachments ). The next payment, XXXX, Suntrust AGAIN withdrew money from my Checking instead of my Savings. However, I knew this would be the case so I had the money in the account or else I would have AGAIN received NSF charges. Suntrust was wrong again, even on a brand new draft set-up request. This proves that though I am signed up properly to use my Savings account as the source of funds Suntrust still takes the money from my checking. I want the {$60.00} in NSF fees in the original dispute to be returned to me as I signed up properly then and they were wrong and they are wrong again. I have attached notices and bank statements showing the drafts were ALL from XXXX XXXX Checking ( C ) instead of XXXX XXXX Savings. ( S ).

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 2020-01-13
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I received a phone call from Penn Credit Corp claiming I owed a debt of {$150.00} to XXXX XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, I sent a debt verification letter to Penn Credit corp, as I am entitled to under FDCPA. I continued to receive phone calls from them, and I repeatedly requested a verification of the debt that included a bill from XXXX, at the one they sent me did not not XXXX on it, nor did it look like an official bill. It looked like a bunch of number put in an excel spreadsheet. I also requested information regarding 1 ) Agreement with the creditor that authorizes Penn Credit to collect on this alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. 4 ) Proof that the Statute of Limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges being assessed 6 ) Information showing me that Penn Credit corp is licensed to collect in my state ; and 7 ) license numbers of the Registered Agents I was in contact with. Penn Credit corp sent me the same papers that look like an excel spreadsheet, which do not contain both my name and the name of XXXX on the same page. They did not provide me with the information i requested, nor was it enough to verify anything. Penn Credit corp continued to call me, and I brought up this concern with them. I explained that it did not seem like a legitimate debt, they then threatened to " happily '' report this debt so it " hits my credit score ''. The document attached is the same letter I sent with personal information removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: MIDFIRST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
After XXXX XXXX, internet based private bank in XXXX  XXXX, closed my account in XXXX, 2022 without noticing me, they said they sent my balance check, {$1600.00}, by mail to my bank. However, according to their tracking number by USPS, it has been lost since XXXX 2022. I called numerous times to get proper information on the check. However, they refused to give me right answer. Whatever they said they did were simply not making any sense. They kept on avoiding and delaying my request for proof of check sent and cleared. I even checked with my current bank, XXXX, for delivery confirmation. XXXX can't do any research without check number, address, account number. XXXX kept saying since the casher 's check is cleared, they are not responsible for anything. According to them, it's between me and my bank. However, XXXX kept refusing to give me a check information. If they refund money to me, it should be to my residential address instead of XXXX. Still if they sent a check to XXXX, they should have information about my account on that mail. However, they simply said they sent a check to XXXX. they are not providing check number, branch address, account information. 
Customer service manager, XXXX, even lied the check had been cleared after month of waiting. However, they can't even track the check on their system. 
I can't wait any more. It has been more than 4 month. I think XXXX is simply trying to avoid my case instead of researching.

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 2019-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested several time for Portfolio Recovery Associates, LLC to provide me with validation of debt for my signature in regards to accounts that they said was sold to them. XXXX XXXX {$470.00}, XXXX XXXX XXXX {$360.00} and XXXX XXXX {$510.00} I have contacted them several times to validate the debt with accuracy of the account. Account rep on XX/XX/XXXX, XXXX XXXX and XXXX XXXX told me that it does not matter of the debt to be verified and they have all the information they need. I have beeing trying to validate this debt since XX/XX/XXXX, on XX/XX/XXXX I request documents to validate and it is XXXX XXXX and I still do not have the required documents. XXXX told me she is aware it is pass 30 days for validation and said this conversation is not going anywhere and asked if there is anything else I wanted. That was very bad this to say. 

They are also sending letter to a person address that I know and I do not live there. I have asked them several times to please stop sending mail to the wrong address, the person says they feels violated. 

I asked them to please validate this bogus account or delete but was told they will continue to call and send out information without validation of anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I received new credit cards ( old ones expiring XX/XX/18 ). Before activating these new cards I went to USAA member access to review charges, payments, interest and make an online payment. However, the XXXX XXXX was no longer listed among my other accounts. After, several attempts to access the account through alternate web site navigation I gave up and initiated a chat session. The USAA chat agent was unable to locate the account either and referred me to an XXXX  number. I explained it was not my job to find USAA 's lost signature visa account, would have my family switch to another credit card we have and that a USAA customer service manager could call me when / if they were ready to make it right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX and GLA have failed to bill medicare or send me any billing statements in a timely manner. XXXX XXXX XXXX failed to bill medicare at all and refused to remove bill from collections. I have recieved no written or otherwise notifactions from GLA. There is no contact information for GLA. The only reason I am aware of this issue is because it appeared on my credit report. Which I have disputed and XXXX has failed to remove it. As a senior on a fixed income I expect medicare to be billed and the medical care system to work the way it was intended and not bleed people dry on medical bills they arent even aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Reference : DISPUTE PER CREDIT CARD CLOSED AND THAT STILL APPEAR IN THE INQUIRIES SECTION FROM XXXX. Reviewing my credit history of XXXX XXXX XXXX, I found that in the INQUIRIES section from XXXX  still appears a credit card from JCPenney and closed in XXXX XXXX XXXX, please see attached evidence in pdf format. Previously, between XXXX and XXXX of XXXX, I contacted several times to customer services of JCPenney in relation to this issue, but they never take action to resolve this matter. . For the reasons stated above, I kindly request to remove from the section INQUIRIES any information reported by JCPenney to the Credit Report Agencies, this is an abuse because hard inquiries will impact 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 2015-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a car loan loan with Fifth Third Bank ( XXXX, OH ) which was just court-ordered to pay XXXX dollars to their XXXX and XXXX clients to settle a class-action lawsuit. This bank was charging higher interest rates to these racial groups which I am a part of ( XXXX ). I had a loan during the timeframe these acts were perpetrated ( Starting XX/XX/XXXX ). I ended up having to refinance my loan with a different Bank ( XXXX ) XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I properly disputed an invalid obsolete account three times and the account is over 7 years old and BMO Harris Bank refused to properly investigate or cease attempting to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have disputed several unknown inquiries with Transunion and XXXX on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies. I want these inquiries deleted immediately. Lastly Transunion and XXXX failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2015-04-26
Company: Diversified Adjustment Service, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called Diversified adjustments Collections agency to set up payment agreement with them because i have someone helping me make payments they give me a offer of half off the amount or a payment agreement for 12 months. I ask for a e-mail with the pay off and the agreement he said yes and he needed his supervisor to sign off on it and he would call me back at XXXX. When he called me back he said he was still waiting and he would call me the next morning. He did not call so i called there and everybody was rude and disrespectful. Then after i called for 2 days in a roll i had someone who was going to just pay them the half off and they bumped the price up and said i never set up an agreement. All i am asking is if i could get a letter of agreements and or settlement. Now i might have to set up agreement cause offer was good for that day. I am XXXX and the housing i want to move to is wanting an agreement to pay this bill off before they will rent to me and Monday XXXX XXXX is the last day they will hold the apartment because they need the agreement or i lose the apartment. I really need and would like to take care of this but getting no where with them. Please help i do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation