BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX XXXX my account was in the negative XXXXI called to try to resolve the issue of constant over draft fees explained by time my stimulus hits I will have less than half.I was told nothing they can do. 
My stimulus hit on XX/XX/XXXX after the negative I was left with XXXX. It is what it is. No problem On XX/XX/XXXX I'm still at a positive of XXXX. 
I never noticed anything until I received an email on XX/XX/XXXX stating on the 30ththey will be taking XXXX out of my account. 
I called to see what this is today XXXX they tell me its EIP. I wasnt aware of this when I called before none mentioned this when my stimulus hit they didnt apply this EIP. Come to find out they gave it to my acct on XXXX. I never noticed because I was at a positive. Now why didn't they help me before the stimulus so I got entire amount so over drawn fees would stop like I requested? Why wasn't I informed? Now they are going to put me in negative XXXX iget my XXXX on the 3ed by that time I'm lucky after fees I get XXXX to live on for the month of XXXX. I live on my XXXX that's it .I 'm confused, stressed out wont be able to pay bills food in XXXX because of this mess up the bank did.please help me

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 2018-12-27
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this  account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2017-09-28
Company: EQUIFAX, INC.
State: TN
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:
There was a Equifax data breach on or about XXXX XXXX. I checked the Equifax official website on XXXX/XXXX/XXXX and was told I that there might have been identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 following accounts have violated my rights. 
XXXX XXXX  Account XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2021-06-14
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I submitted paperwork for my account to be reviewed because they marked several payments as " not received '' or " not eligible. '' I sent bank statements, etc. that showed I did pay during those certain marks. I submitted that XX/XX/XXXX. It is now XX/XX/XXXX with NO review finished, no updated, etc. I have contacted them several times and each time they say " it takes a long time to process. '' No determined date that it will be done or further information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/17 I received five emails from Navient, one said my forbearance was approved and gave a payment due date and amount. I did n't request this because my loans were paid back 100 % in my chapter XXXX. Case XXXX XXXX county ohio. I have a letter from XXXX indicating a XXXX balance as of my discharge. 

I called Navient and they were rude, could not give me info, and one even told me she could n't access my account even though she had just given me information. She transferred to to someone who was a robot, just insisting I have to pay now that bky is over. 

She was given my current address and confirmed they had an old address They were sending demand letters to a wrong address. If they knew the bky was over, they knew my correct address as it was in the discharge paperwork and XXXX had the correct address. 

One of the letters says the have put this on my credit report as past due and they also want late fees. 

None of the letters show a balance, just principal. 

Another letter was generated today and viewing it online I see they STILL have the wrong address. 

I am trying to buy a new car. This false info must be removed from my credit report NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions Inc.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date 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 non-monetary relief
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EquifaxCredit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello CFPB, I check my Bank of America checking account balance every day and every night before I go to sleep to make sure I have a positive balance on the account. 

The evening of Thursday XX/XX/XXXX I had a positive account balance. On Friday morning XX/XX/XXXX I woke up to find I still had a positive balance, but Bank of America had retroactively debited a check I wrote from my account and manipulated my account balance to let three transactions go through ( while the account was temporarily in the negative ) in order for the bank to generate overdraft fees and an NSF fee. I went to sleep with a positive balance on Thursday XX/XX/XXXX and woke up with a positive balance on XX/XX/XXXX ( minus the {$150.00} in fees the bank had charged my account ). 

I feel cheated and defrauded by Bank of America. Bank of America used deceptive and manipulative business practices in order to maximize fee income for the bank at the detriment of the customer.

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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
ON XX/XX/22 I WENT TO THE KOHL 'S STORE IN XXXX. I WAS MAKING A STANDARD PURCHASE. THE KOHL 'S EMPLOYEE VOIDED THE TRANSACTION 3 TIMES THAT DAY. TWO FOR {$6.00} AND ONE FOR {$160.00}. HERE IT IS XXXX/XXXX/XXXX  AND THE {$160.00} SHOWS PENDING. HOWEVER, WHEN I CALLED THE STORE MANDAGER AT KOHL 'S STORE IN XXXX AZ. ( XXXX ) HE ADVISED THE {$160.00} WAS VOIDED. THE BOTTOM LINE IS {$160.00} IS IN A JUGGERNUT AND NOBODY KNOWS HOW TO RECTIFY IT. SO THEY ARE NOT LETTING ME USE THE CARD FOR WHAT I SHOULD BE ABLE TO. I SHOULD HAVE {$170.00} ON THE CARD. THEY ARE CLAIMING I ONLY HAVE {$6.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This morning at XX/XX/2022 at XXXX MST I was contacted by midland credit management. The last contact noted for them to contact via mail using the address they already have on file including further detail on original balance of debt one debt 3 years ago. They since then acquired 2 additional credit card debts while I was between settlement vs bankruptcy.I recently spoke to the attorney garnishing my wages noting Ill call once the final payment is resolve and since then they have started to call again and they are well aware of the time zone and address as I was served by an west coast law firm. As of 2 days ago I am a part of the national debt relief plan to settle the remaining accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: DISCOVER BANK
State: NY
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:
Discover card got me stiffed for over {$1700.00} My wife bought an airline ticket round trip from a thief travel agency She bought it ahead of time The agent issue a ticket and after the traveling date he cancelled the return ticket and sold it to someone else. He did that with more than ten people as she learned from the airline. She had XXXX coming back she had to delay her return 2 days and bought new ticket at the peak of the season one way was even more than the round trip. We had to dispute the charge I uploaded 36 Documents showing what that thief was playing around with a confirmed return tickets as a proof all what they did in the investigation that they asked the thief for a copy of the transaction I closed the account after being with them for 21 years we will stop taking Discover card into our business. She will close her account Once she 'll get the OK from The lawyer. By the way the other people that were scammed got their money back. 

Not recommended XXXX XXXX and XXXX are better

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX. I am submitting this complaint without any influence from any party or agency. Please see attachments/attached documents and ID as it contains my full complaint and request.

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 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that 3 Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAP ONE AUTO. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have applied for Public Service Loan Forgiveness ( PSLF ) Program. I have been making payments since XX/XX/2015 with the understanding that I was making qualifying payments towards the 120 payments needed to forgive the loan. According to my account with the XXXX XXXX XXXX I have only made 7 qualifying payments. I believe this to be false. I have been paying my loan regularly and on time and feel I should be credited with at least 34 qualifying payments. The XXXX XXXX XXXX does not make it clear how many qualifying payments I have made. I have followed the protocol for re-certifying employment and an income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2021-12-03
Company: Resurgent Capital Services L.P.
State: AR
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. 

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : LVNV FUNDING LLC XXXX Balance : {$810.00} ; LVNV FUNDING LLC XXXX Balance : {$440.00} ; LVNV FUNDING LLC XXXX XXXX : {$830.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$830.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$810.00} ; LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$440.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. I have a letter from the attorney for the homeownerto take me off the judgement. Thank you XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
3 month ago accounts in question was removed by 3 CRAs ( XXXX /XXXX XXXX and XXXX XXXX XXXX , same account numberXXXX ). 
2 month later the same accounts was placed back to my report in a violation with : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

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