BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-03
Company: Empowerment Ventures, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On   XXXX   XXXX     Rushcard canceled my card before contacting me about charges when I advised I attempted the charges a  XXXX  stated he would get me a replacement card sent out right away and waive the {$30.00} fee. Stated it will take  XXXX  business days to see the reversal. I called back on   XXXX   XXXX   and it had not been done said they needed  XXXX  more business days called back the  XXXX  said they needed  XXXX  more business days on    XXXX   XXXX    I called they stated they needed  XXXX  business hours also called again today still nothing has been done asked for another  XXXX  business hours. Stating they have no way of contacting there corporate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. It specifically states that This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at XXXX point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

In my case payments were missed and delinquencies were first reported, however, retroactive forbearances were approved which covered the time frame in which the delinquencies took place. As per the FCRA section mentioned above the furnisher has a duty to correct/update this with all credit reporting agencies, regardless of weather they were accurate at XXXX point. 

I have requested the furnisher to correct and update the information to no avail. 

I then filed a dispute with XXXX and XXXX I provided them original approval letters from the furnisher of the forbearances in question which included the time frames which they covered. They stated that they sent the information to the furnisher but they did not provide updates regarding the payment history disputed, alleging no errors were present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 without 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 Bum. 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 n 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2016-09-12
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have been in the process of getting a temporary economic hardship forbearance since XXXX because I sat for the Delaware XXXX in XXXX and had no income until I began my clerkship a few weeks ago. For months now AES has misled me all while my loans have been accruing interest, penalties, and late fees. I have called every week and each week the customer service reps have told me they did n't understand why I kept getting denied because of a missing signature on a document I enclosed only for reference. To say I am frustrated is an understatement. I 'm trying to refinance my loans with a different company because AES and XXXX will not work with me at all for repayment options and have strung me along for months in trying to get this temporary forbearance. But I ca n't refinance my loans while they are all delinquent! AES is completely wrecking my credit and there is nothing I can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: AES/PHEAA
State: PA
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 am a   XXXX   XXXX   XXXX   on the income based repayment plan serviced by  FedLoan. Whe n I had previous companies service my loan, such as  XXXX , I received MANY reminders that my income based repayment plan was expiring, and that I needed to re-certify. W ith FedLoan , I received  XXXX  emai l (   XXXX   XXXX   )  and   XXXX   message to my electronic inbox  (   XXXX   XXXX   ). My  repayment plan did not expire until  XXXX . I filled out the application in  XXXX , two months before my repayment expired, and it has not yet been approved. Therefore, I was billed the full amount for  XXXX . When I called and talked to the customer service representative, they said they are " behind '' and it could take up to two months to process. In the meantime, I had to declare forbearance because I am not able to make the full amounts. If I pay what I can, it does not count towards my public service forgiveness. This situation puts me behind on my loan forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I can not afford my monthly payments with  Navient  and they will not budge. I was able to reduce them to {$180.00} which was already too much for  XXXX  but in  XXXX  they went up to {$220.00}. This company has ruined my credit and will not budge when I tell them I am struggling to survive making their payments. I have a  Federal Loan  I pay $  XXXX /month on and it is totally manageable but  Navient simply will not let me set my payments. I would like to pay {$100.00} a month even though that is more than I can really afford but they will not budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 'm having difficulties with ( free ) access to my credit report through the credit agencies. It appears that because I have requested a credit freeze the agencies have prohibited online access to my report and require me to submit a request by sending sensitive document copies through the mail. This article describes the problem I 'm having in more detail : XXXX I realize that it is not in the agencies ' business interest to make it easier for consumers to get free reports, but the barriers they have established are eroding the consumer rights granted by the Fair Credit Reporting Act and I think it is time to make a correction. 

Authentication could happen one time via the XXXX website and then allow the consumer to create credentials for future authentication. This would eliminate agencies using incorrect information for the authentication challenges and using credit freezes or data entry errors as an excuse for denying online report access. 

Thanks for your attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have an FHA 1-Year Adjustable Rate mortgage with SunTrust Mortgage as a result of a refinance in XXXX. Beginning in or about XXXX XXXX, Suntrust did not properly apply our monthly mortgage payments. In addition, we ceased receiving our annual interest rate adjustment notification, and monthly mortgage statement. At that point, we had no idea of our monthly mortgage payment. We attempted several times to make monthly mortgage payments, based on our previously known amount, and they were returned. We notified Suntrust Mortgage repeatedly of the error, and attempted to resolve the issue to no use. Suntrust is pursuing a foreclosure on our home, scheduled for XXXX XXXX, XXXX, at the same time our loan modification is being processed. On XXXX XXXX, XXXX, we forwarded our loan modification package to their offices via USPS Priority Mail. The package was received on XXXX XXXX, XXXX. Shortly thereafter, Suntrust requested additional documentation which we provided. The additional documentation was sent via XXXX on XXXX/XXXX/XXXX, and received in their offices on XXXX/XXXX/XXXX. We made a follow-up call on XXXX/XXXX/XXXX to Suntrust to check the status. We were told that the documentation was not showing in the system, and we informed them of the delivery. The same documentation, including the XXXX proof of delivery on XXXX/XXXX/XXXX, was emailed directly to the representative ( XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. Subsequently, in addition to SunTrust Mortgage pursuing a foreclosure on our home at the same time, they continue to mysteriously misplace documents vital to our package. We have complied fully with their requests for additional documentation, but it always seems to get lost. The last occurrence happened today XXXX/XXXX/XXXX. Since the forwarding of the last requested document on XXXX/XXXX/XXXX, we received no communication from SunTrust as indicated. We made a follow-up call on today ( XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. He was not available, and we were transferred to another representative ( XXXX XXXX ). It was discovered that the last document was also not entered into their system. Copies of the previous emails to XXXX XXXX XXXX were forwarded to XXXX XXXX. She indicated that the XXXX XXXX, XXXX foreclosure sale was still scheduled, and the matter would have to be escalated. We were told the supervisor was not available, and she would call us back by tomorrow. We have complied with all of Suntrust 's requests in this matter. In our opinion, we also have the income to support remaining in our home. Yet, vital documents continue to be lost while Suntrust Mortgage continues with a foreclosure without any regard for documents forwarded, processing, and the overall review process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
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   account is showing 90+ days past due as of  XX/XX/XXXX  and every month before that. This account has been paid for since  XXXX . This is affecting my credit of it is showing current past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
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: Account status incorrect

Complaint:
I have contacted all the tree credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and   XXXX   has been in the news for some deceitful  XXXX   XXXX  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

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 2017-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have contacted all the   XXXX   credit bureaus online by disputing the items that should not be on my account. I have contacted the companies they say I owe but even the companies say I do not owe them. I have medical bills that have been settled and I have sent letters to prove and yet the company has not remove the items.     I know  XXXX  and and TransUnion has been in the news for some deceit ful credit score  numbers and such. I believe the same is happening to my file. I have attached some info to go with this complaint.

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 2016-04-15
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
This is just XXXX of the XXXX late payments that they reported to the credit bureaus Account Details Last Reported XXXX XXXX, XXXX Creditor Name FEDLOAN. Account Type Student Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 146 Months Monthly Payment {$0.00} Responsibility Individual Balance {$3200.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status 60 Days Late Date of Last Payment -- Amount Past Due $ 0 Times 30/60/90 Days Late XXXX Remarks Dispute resolved ; reported by grantor. With no monthly payments, am current, no date of last payments, how can I be late on those payments?? FedLoans was opened XXXX XXXX last reported XXXX/XXXX/XXXX They need to furnish me with the POLICY/ GUIDELINE manual for XXXX, I want proof that I was late 60 days, and how and why, and the exact timeframe from XXXX in which they are required to report, when they are stating in my credit reports I was late on XXXX different FEDLOAN reportings on my credit reports with all XXXX late at 60 days, a payment of 60 days! in which was in deferments or forbearance at that time, also I had spoke to a CSR and they stated they do not report to credit bureaus until after 90 days!!! If they can not they need to remove all that they have reported to the credit bureaus immediately!!! It adds up to about {$35000.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: Blackhawk Network Holdings Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was awarded $ XXXX  in prepaid reward   XXXX    cards from my past employer. The cards are thru  XXXX  These cards had a quick expiration date  XX/XX/XXXX  and when I tried to use them, they kept being declined. I conatcted the company over 5 times during   XXXX   and   XXXX   XXXX    I was told to keep trying at other stores and some of the stores on thier website had stopped accepting these prepaid cards. I was  XXXX  as a   XXXX   employee in   XXXX   XXXX   to   XXXX   XXXX   back to  XXXX . I am now back into the states and these cards were expired. I tried getting this company to replace my   XXXX   cards valued at $  XXXX    each. I was told several time they will call or email me back. As of today I still have these worthless cards. If these cards worked the first time, they would have never expired. I will list all the card numbers with the hope of getting these replace by a check or a usefull prepaid cards.   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 response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was told if I opened an account that after I put in {$500.00} by a certain date I would receive {$100.00}, and after {$2000.00} I would receive another {$200.00}. I opened by account in XXXX. On XXXX XXXX I met the {$2000.00}. I was told I had 8 weeks before I would receive the money. I never received the money by XXXX XXXX. I went to the bank that I opened the account at and was told I met all requirements and should have the money by XXXX XXXX. After the XXXX I called sun trust complaints department and was told I had someone working my account. A couple days later I was called and told that I was supposed to open XXXX accounts to receive the money. This is not what I or my sister were told when we XXXX opened our accounts. I have another witness besides her that was in the office when i opened the account. We were never told that we had to open XXXX accounts. She has already gotten fed up with suntrust and closed her account, going back to XXXX XXXX XXXX. I now have XXXX complaints with the bank because it has been over two weeks since I have heard anything from the bank and over a month since I was supposed to receive the money. They act like they do n't even care. Even if there was suppose to be XXXX accounts opened, they should honor the {$200.00} they promised me. It was the the bank 's fault, not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-03
Company: Experian Information Solutions 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:
I had an account with this company  XXXX  years ago but everything was returned. Now the company is reporting I owe them to Experian. It 's under an incorrect address, the account is listed as closed and charged off but they keep changing the balance. I 've contacted them via certified mail in  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX . They failed to mark the account disputed which is a violation of law they also keep dtatint account verified however when asled to produce the validation information or signature binding me to the contract they do not or they do n't respond. I 've been keeping careful documentation of my communication with them. The account started off at {$2400.00} now it 's {$3000.00} and stated the account has a credit limit and it 's closed and charged off. I 've now sent certified letters to Experian as well and they are saying it 's validated but are refusing to send me proof or contact information for the creditor and has not removed it or marked it disputed. This account is incorrect, not following metro  XXXX  compliance, unverifiable and unfair reporting.

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