BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Developed XXXX XXXX in XXXX. Went to see XXXX XXXX XXXX, XXXX  who referred me to XXXX XXXX on XX/XX/XXXX. I met with XXXX XXXX XXXX, XXXX   on XX/XX/XXXX. At this time an appointment for XXXX was scheduled for XX/XX/XXXX. There was plenty of time to get pre-authorization and give me heads up. I had XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't want to mention that I was sent home the very next day after XXXX XXXX. They XXXX me home the XX/XX/XXXX. XXXX had my insurance information since the referral. I was billed for visits and paid copayments prior to XXXX. I didn't receive a letter from XXXX until XXXX XXXX, XXXX informing me that I had an outstanding bill of {$32000.00}. Then later I was informed of a bill of over {$8000.00}. I was not informed prior to XXXX that my insurance would not cover the cost of the XXXX. XXXX forwarded my to Bull City Financial Solutions , Inc . I have been sending {$30.00} a month since I was informed for both accounts. I can only give this about at this time. I explained this to Bull City Financials also let them know I am in a payment plan with XXXX XXXX XXXX XXXX XXXX XXXX for {$100.00} a month. That does not include the other medical bills being paid to XXXX XXXX XXXX XXXX XXXX XXXX. My complaint is that I was not informed that I would have to pay this amount of money prior to my XXXX so that I could make other arrangement prior to XXXX and possibly put the XXXX off until another time. I have compiled numerous documents regarding this situation. Is there any way I could receive any help with this situation? Thanks in advance for all your help and consideration. 

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 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe that I was discriminated against regarding the original Mortgage with Countrywide, in 2004, with a higher interest rate, due to my race. Subsequently, my home was sold to Bank of America and then later to XXXX XXXX, in which I loss half of my income during the pandemic and sought out help with an organization and when I received the help... the bank ( XXXX XXXX  ) did not provide me with additional time in order to get the payment to them in order to keep my home.

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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX ACCNT # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX  ACCNT # XXXX 30 days late on XX/XX/2019, and XX/XX/2019. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: Wolf River Development Company
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company operated in the guise of being a part of Tribal community and assumes immunity from State and Federal Laws. They are not registered as a lender in Colorado, my home state and thus any loans that they advertise or disburse are illegal. ( CO Statute 5-12-1-3 ). Their interest is exorbitant and are over the usury laws of the state and I am sure Feral as well. 
I sent them an email to cease and desist on XX/XX/2022 and in response they sent me a letter pretty much stating that they are above the law and that they don't fall within the state or federal financial oversight. They have violated my cease and desist and again contacted me via email and voicemail on XX/XX/2022. 
For {$500.00} loan they charge an 447.7555 % APR and with Finance charges of {$2500.00} their total payment balloons to {$3000.00}. If this is not predatory lending then I don't know what is. With no oversight companies like these are openly praying on the vulnerable and practicing unscrupulous lending practices in guise of a tribal entity. Put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Huntington National Bank lost a deposit in the amount of {$2400.00} on XXXX and has been slow to respond. This is clearly their error and they can not credit my account appropriately despite their obvious error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have two Credit cards with Citibank Ive never late or missed any payments and for the last three months Ive had high balances but making multiple payments per month three weeks ago they lowered my credit limit on one of the credit cards then my credit report dropped by XXXX points and today they lowered my credit limit on the other card when I spoke to them they said they lowered it because my credit rating dropped as I said Ive never late always pay my balance is off until three months ago but still never late never missed a payment please let me know what I can do I just paid the cards down {$1000.00} each and now they decrease my credit limit what can I do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: TX
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, 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 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 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 inquiries on my report i didn't authorize and i have sent in my police report showing my identity been compromise. and they won't remove them. 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 explanation
Consumer complaint received 2023-03-12
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a senior citizen Identity theft victim I XXXX XXXX XXXX year old identity theft victim Some criminal fraudulently opened 2 credit cards in my name with Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Some Thief opened a ikEA Comenity Bank credit card acct ending in # XXXX In my name I received a bill from Comenity Bank. Saying I owe a balance of {$870.00} due to them by XX/XX/2023 for a IKEA credit card account I did not apply For I did not open this this credit card someone stole my identity opening this Comenity credit card I do not owe money to Comenity bank I also received a separate letter from Comenity bank thanking me for a credit card application for XXXX XXXX XXXX Comenity Bank credit card saying to reply within 14 days to. Infirm infirmation I did NOt apply for either of these credit cards Im a XXXX  citizen Victim of stolen identity XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-28
Company: EQUIFAX, INC.
State: NJ
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Creditors Bureau Associates
State: SC
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:
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 purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XXXX I went into the bank to withdraw {$1200.00} from my business account that had roughly {$1400.00}. I used my debit card with the teller, punched in my pin and he gave me the {$1200.00}. A few hours later the teller calls me and says that I need to return the {$1200.00} since a charge went through and he can no longer put the transaction through. I told him I couldn't bring it back since it was used. The teller called again and I explained again that I couldn't bring the {$1200.00} back. He took the money from my personal account without my permission along with the funds from a joint account that I hold with my husband who's XXXX check gets deposited in. When I saw what happened to the accounts I called the bank back and spoke with the teller and he pretty much called me a thief for him not doing his job. He took it upon himself to steal money from me and my husband to cover himself. I was forced to cancel a sick appointment since I did not have the funds to pay for it. It wasn't until the next day that the funds were returned to the correct account. I have spoken with the bank and I don't think they are taking it very seriously. I am not sure if this is even the correct way to go about it. I do need some help in trying to get this figured out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, INC.
State: IL
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a private institutional loan from the XXXX XXXX XXXX  XXXX XXXX, which is serviced by XXXXXXXX XXXX 

I am reporting XXXX XXXXXXXX for seeming attempts to block the ability of persons to actually have their student loan deferment forms processed. 

My loan is one which was taken out from XXXX while in XXXX XXXXXXXX. For the XXXX period, I had a no interest deferment for that loan, which XXXX XXXX processed without difficulty. 

When submitting my XXXX  deferment, I have been rejected twice, and then on the third try I was told I mailed it to the incorrect address, that the address had changed. 

In detail : - The first time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it for a minor clerical error. 
- The second time, I mailed it successfully to XXXX XXXX XXXX XXXX XXXX address. They recieved it, and denied it because the form was the incorrect form ( This was the same form I have been using for the last XXXX years ). 
- The third time, I mailed it, and the mail was marked undeliverable to the XXXXXXXX XXXX address. When I called XXXX XXXX to ask why it didn't get delivered, they told me their address had changed to an address in XXXX XXXXXXXX XXXX They also told me that the new address is listed on their website and forms, which it is not. 

XXXX XXXX does not offer any way to submit forms aside from mail. 

I have attached the inaccurate deferment form below I am reporting this company for : - Inaccurate mailing address for essential loan forms- Seeming attempts to deter deferment submissions via frivilous rejections

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Navient sent me a letter regarding my fees and interest accessed during the period my loans were being held with the Ohio Department of Education to be accessed for forgiveness. Due to unfair practices my documents were never accessed properly and the application was declined. I received a letter statement all interest in fees would be removed from the account this week an email came stating those fees and interest is still applicable. Loans and fees are currently being deferred, but I check my account and I am see a monthly charged. I received a letter with a small settlement regarding my loans stating Navient was negligent with my loan forgiveness and that a {$260.00} check would be sent why not just re-evaluate my application. My accounts have been mishandled by Navient which has impacted my credit history

Company response to consumer: Closed with explanation