BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: SLM CORPORATION
State: MA
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 contacted this XXXX when these loans first went into repay to get better repayment plans. Found out they have a completely different policy than other XXXX XXXX where as you must contact them 3 months prior to loan entering repay status to discuss better repayment plans. No notification was received at all about this in advance. Assuming similar to my federal loans this was the same. They told me I had to be late on my payment in order to speak to anyone which I didn't want to do but that was the only way. First day late I called, I was on hold for literally XXXX until I speak to someone. They were rude, they asked all kinds of questions on finances which I fully disclosed then told me that they would move my late payment to the end of the loan to " help me out and get caught up '' and waive the late fee on that payment if I gave them my debit card up front so they could auto withdraw my payment. No Way, wasn't late this was their doing. I recently made a payment in XXXX for two months ( XXXX ) nothing should have been due to XXXX. Well I received a late notice and interest/fees charged for XXXX. My interest rates are at XXXX and 11.85 % which is ridiculous since my federal rates are much lower and I have a great credit score. These people are thieves, do not fully disclose their practices and notify in advance when you should call and make arrangement for better payment options ( extended payments ). Force you to pay late in order to speak to someone. They need to be investigated! This co. is a shame and they are misleading kids with their high rates and deceptive practices. It must stop, I pay my loans on time and when I try to get ahead this happens and they XXXX me again. There are actually people that want to pay their loans and do the right thing and there are predators like Salle Mae that want to take advantage for their own financial gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Today is XX/XX/XXXX. In early XX/XX/XXXX I contacted Truist about their inappropriate opening of an account using my name and SSN. At that time they had indicated that a check was deposited into said account for {$4800.00}. I spoke with a Fraud/ID specialist who indicated that they have recorded the account as fraudulent and all activity reversed and account closed due to ID theft. I am NOT a Truist account holder. Last week I began receiving letters regarding the bouncing of this deposited check, which resulted in an overdraft of said amount. Then I received the " threathening '' letter regarding charging-off this account. This letter is dated XX/XX/XXXX. Today - the XXXX - I have attempted to call Truist to AGAIN clear this matter and after trying 4 phone calls to the fraud/ID theft number and waiting on hold over a collective XXXX minutes with NO answer ( shameful )- I can only surmise that either their phone system doesn't work or their staffing incompetency is overwhelming. 

Nonetheless- this matters needs to be cleared immediately without any negative impact to me, including inappropriate negative credit ratings. Additionally - they opened this account without any proof of ID from me ( as my credit reports have been locked down since I had my information compromised )- and while 4 other banks were successful in NOT opening fraudulent accounts in my name during this same time period - Truist has shown their incompetence in this regard as well. One would think that complying with the law regarding " known your customer '' would be in the forefront of their accounting opening procedures- and clearly it is not in this case. 

The only person I WAS ABLE TO REACH ON THIS MATTER - AS PROVIDED BY THE PHONE NUMBER GIVEN ON SAID LETTER - INDICATED TO ME THAT SHE DOES NOT SPEAK TO CUSTOMERS AND I COULD CALL A BRANCH. SHE THEN GAVE ME A PHONE THAT HAS SINCE BEEN DISCONNECTED - STARTING MY OVER XXXX MINUTES OF MY TIME TRYING TO REACH SOMEONE TO CLEAR 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 2015-04-04
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am lodging a formal complaint against ehanced recovery company. This debt collection company has violated my rights and the XXXX. I recieved a dunning notice from this company in XXXX of 2014 advising me i had XXXX days to ask for validation on a XXXX account i have no knowledge of having for a horrific amount of {$1000.00}, i immediately sent them a debt validation request within the XXXX days, which was sent via XXXX certified mail with return reciept. enhanced recieved my validation request i have the return reciept and copy of the debt validation letter, which i will keep for my records. Enhanced recovery intentionally ignored my debt validation request, instead of validating the debt, enhanced recovery reports this negative debt to the XXXX major credit reporting agencies, which in return has damaged my excellent credit. I want this negative account deleted from my XXXX credit reports immediately!!!!!!!! I will also be filing complaints with my XXXX attorney general office, and XXXX attorney general office!!!! I Have done my research on this company, and found out this is normal for them too do. They have numerous negative complaints for their deceptive business practices. Please do not continue to let this company think they can continue treating consumers like XXXX! Thanks for your time!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: Upstart Holdings, Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Incorrect inquiry. Merchant refuses to remove UPSTART credit inquiry not authorized XXXX XXXX, 2017 Creditor Contact Details XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) 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 2020-08-19
Company: EQUIFAX, INC.
State: OH
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 got a alert on my XXXX  credit report that a new inquiry from XXXX was on there. I dont have a license and I dont have any business with XXXX this is fraudulent please remove from my inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: United Shore Financial Services, LLC
State: CA
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX I received an email from United Wholesale Mortgage stating my mortgage payment was received. It had been setup on automatic payment since XXXX XXXX  XXXX. I then saw on the website for United Wholesale Mortgage on XX/XX/XXXX that my payment was received. Then, on XX/XX/XXXX I received a letter in the mail that my payment for XXXX was not received. The letter was dated XX/XX/XXXX. I paid the amount as soon as I received the letter. The company sent my late payment information to the credit bureau as a late payment. This caused a drop in my credit score by XXXX points. I called the company and requested the late payment be removed from my credit and they refused to remove it stating their policy was if a late payment exceeded 30 days they had to leave it on the report. I explained and sent pictures that their company notified me in an email and on their site that the payment was received and the next notification I received was already after the 30 days had passed stating the payment was late. This gave me no time to correct the error within the 30 days to avoid the late payment from reflecting on my credit report. I called back after the initial complaint was filed and spoke to a manager named XXXX. I sent him the pictures I had and he said he would file the request to have the late payment removed from my credit report. In XX/XX/XXXX I received an email stating they would still not remove the late payment inquiry from my credit report. This company is at fault for not giving me the notification in an appropriate time frame and then penalizing me and my credit score. I have never had a late payment on any account I have ever had and because of their poor communication and policy my credit score suffered and therefore my ability to obtain future loans and purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2022-05-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2022 XXXX XXXX  I went to a Huntington bank branch located in XXXX Mi and I could see a few cars in line for drive through so I decided to go inside but guess what doors were locked and it was drive thru only so I got in the drive through line and hat to wait almost 30 minutes to get to the window after waiting so long I thought to myself its time to switch to a different bank I told the teller I would like to close my account she said I would have to go to another branch were the inside was open so I ask what was the most I could withdraw she said XXXX and gave me a withdrawal slip that I filled out and returned to here with my VALID state identification the same Id I opened my account with so I few minutes went by and she ask did I work for a company and I replied no a couple more minutes went by and she ask me another question and I told her I wasnt answering anymore questions just get MY money so I can go she just sat there do I said give me back my id and she said the transaction wasnt going to be put thru I got my Id and left I went to another Huntington bank branch on the other side of town a 40 minute drive with gas XXXX $ I wanted to close account and receive cash the teller explained to me that they didnt have enough cash on hand and then she said my account has been flagged for identity theft and fraud from the bank teller that I went to first she maliciously put fraud on my account forcing a hold on all my money when the had my VALID state identification she did this purposely so I would be put in a bind now I cant get any money from my account and I have XXXX $ to my name Huntington Bank should be ashamed and there is nothing they can do to make it right this was completely wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 & my rights have been violated in numerous amounts of way, one of many being most recently with the false credit scores they've admitted to reporting. 15 USC 1681 states : there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness importance & respect for the consumers right to privacy. 15 USC 16981 sec 604 ( a ) sec also states a consumer reporting agency can not furnish an account with out my written permission. These rights as well as a number of many more have been violated by equifax & I demand all accounts reported be deleted & removed from my credit report, I've listed accounts bellow Account : XXXX XXXX XXXX Account : XXXX XXXX Account : Student loans ( dept of edu/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Experian Information Solutions 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 recently filed a dispute with Experian regarding unauthorized inquiries on my report. Experian did not do a proper and thorough investigation. I was sent a letter stating I had to contact the companies myself. I have contacted the companies and was told to contact the credit Bureaus. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I viewed my XXXX credit report in XXXX 2015. I notieced a collection account that was added by Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) in XXXX 2015. I never received any letter or phone call regarding this alleged account. Since I found this on my credit report - I contacted, via certified mail, the collection agency and still have not heard anything from them. This collection agency is not complying with the dunning notice requirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
my name is XXXX I a citizens bank customer for over XXXX years my cheking acct was over draft las week they charge me 35 dollars wish a unsdentand but 4 days later they charge me 30 dollars more they said because they said my account has no money \for a total or 65 dollars I call the magnager talk them I wasn agree to pay 65 is too much money the said is the bank law, I not agree to pay almost double the amount is not right n. I can use that money for gas or food thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-06
Company: Big Picture Loans, LLC
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a {$600.00} loan. Somehow I misinterpreted the repayment plan. I thought my finance charge would be {$210.00}. However, that is not the case. XXXX payments of {$200.00} have already been taken from my account.They are scheduled to take out {$200.00} every two weeks over the next year. I can not afford this, and was unaware. I 'm afraid that this is going to ruin my credit, as I can not afford to make these payment every two weeks, and I 've already payed back what I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A XXXX XXXX XXXX bill was paid in full in XX/XX/XXXX. A collection was put on my credit report to collect the debt in error. This debt has been disputed yearly since it first appeared in roughly XX/XX/XXXX. Each time this has been disputed, it has been found that I am correct and the collection has been deleted. Then, the debt is sold to a different collection agency, which puts another collection on my credit report ( which is disputed and then deleted ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: EQUIFAX, INC.
State: OH
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX U S DEPT OF EDXXXX Account XXXX XXXX and XXXX U S DEPT OF ED/XXXX  Account # XXXX and XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: DISCOVER BANK
State: NY
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, 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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX/XXXX/XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
Those address are not mine Please removed all adress ADDRESS : XXXX XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XXXX - XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XXXX - XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB 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