BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The inaccurate accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00}

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 2020-12-29
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
Dear sir/madam, I had a visa gift card from XXXX store on XXXX XXXX XXXX XXXX. XXXX XXXX, MI XXXX on XX/XX/2019. It should have USD XXXX. After I used it a few times in Michigan and Florida ( later I moved ), card declined at store for not having enough money. Initially, I have not paid much attention. Fortunately, I didn't throw the card away either. I visited the website mentioned on the card and check the balance. I found that I spent little ~ USD XXXX, and rest of the XXXX disappeared. However, balance showed on the webpage ~ XXXX. 
Kroger gave me a case number ( # XXXX ) but never resolved the issue. I waited many many hours wasting my valuable time to speak to multiple representative of visa gift card. I sent them document that I collected from XXXX XXXX XXXX, but still nothing happened. Later I read lot of people lost their money. 
I will appreciate if you kindly help me. Please let me know if you have any question. 
Sincerely, yours 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 2020-12-29
Company: Experian Information Solutions Inc.
State: MD
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX is soft pulling my credit report every time XXXX or XXXX XXXX soft pulls it. I called XXXX and inquired about it and they said they have no knowledge of it. I talked to Experian and they said since its only visible to me..they ca n't do anything about it..I an concerned about it because there is not valid reason for XXXX to be looking at my credit report. What can I do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Nelnet, Inc.
State: WA
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 had initially contacted Great Lakes ( my student loan servicer ) on XXXX XX/XX/XXXX in order to enact a student loan payment refund under the CARES Act in order to get my student loan payments refunded that I had made from XXXX of XXXX to date. I had used their online services to send them email to request this refund, followed up by a phone call to them in order to ensure that they received my request successfully. The gentleman on the phone went over some details with me, ensured me that my request had been submitted successfully and that I should expect my refund within 30-45 days. After a few days, I received a call from Great Lakes regarding my refund request. The lady on the phone wanted to double check what dates/amounts that I was requesting the refund for. I informed her that I was essentially requesting enough of a refund to get me back to a {$10000.00} balance on my student loans, if possible. With that, we went down the line of my payment history on the Great Lakes website and concluded that XXXX XX/XX/XXXX to XXXX XX/XX/XXXX would be the requested date range for the payment refund and that the total refund would be {$5500.00}. The female representative from Great Lakes on the phone assured me that we were still looking at about 30-45 days for the refund to appear and agreed with that timeline. Following some weeks, I had still not heard nor seen a change in my student loan balance on Great Lakes or a refund in my account. With this, I decided to give it a few more days/another week or so before I called Great Lakes to get a status update. Upon calling their customer support line on XXXX XXXX, I was informed that my refund was still being processed, despite it being over 40 days since my request was submitted. Unfortunately with this call, I was informed that my request was now looking at a time line of 60-75 days, despite having submitted my request all the way at the end of XXXX prior. Unable to help me any further, I thanked the representative for their time and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My complaint is with the First National Bank of Omaha, XXXX XXXX XXXX XXXX Nebraska XXXX. I have a credit card issued by First National for which I paid the full statement balance for the statement ending XXXX XXXX 2018 prior to the due date of XXXX XXXX 2018. Interest in the amount of {$15.00} was applied to the statement ending XXXX XXXX 2018. After looking at the statement ending XXXX XXXX 2018, I called First National on four separate occasions to clarify the interest charge and request that it be removed. I requested for a letter from First National with an explanation ( including calculations of the balance amount, days of interest and interest rate ) showing how the interest charge of {$15.00} was determined. I have not received such a letter, just a generic users agreement. During one of the calls to First National, I was informed a " Tail End Interest Policy '' allowed them to apply the interest to the statement ending XXXX XXXX 2018. The " Tail End Interest Policy '' is essentially applying interest over two statement periods. If XXXX XXXX is permitted to apply interest over two statement periods, their credit card customers should be able to pay their statements ( without penalty ) once every two months! Even if I agreed to the terms of the " Tail End Interest Policy '' in the user agreement without realizing it, the interest charge of {$15.00} was applied for a unpaid balance of {$28.00} on the statement ending XXXX XXXX 2018!

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 2015-09-11
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to XXXX Experian for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
This is my daughters student loan that I co-signed 10 years ago. XXXX of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to XXXX XXXX, Senior Collections Mgr. at XXXX. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for XXXX XXXX. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection email. There is no email address to respond to letting them know that I have been in contact with XXXX XXXX. I am asking for a response so that my daughter and I can move on. This loan started at {$5600.00} 10 years ago and because my daughter could not afford to pay more than the 10 % interest payments, the loan is now at an astounding {$8600.00}. She was too embarrassed to tell me this. I do n't want to accrue any more interest on this loan. I originally asked them to lower the interest rate and I would make the payments to them. XXXX XXXX XXXX told me she had the power to do that but would not. That is why I am contacting her boss XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have a joint account with my spouse at XXXX XXXX XXXX and have 2 debits cards ( one in my name and one in her name ) on this joint account. The debit cards are issued by BNY Mellon Card Services. The fraudsters have obtained both debit card numbers and used them on 3 merchants - XXXX, XXXX, XXXX XXXX. I reported the fraud to BNY Mellon Card Services in early XX/XX/XXXX. The fraud activities started in early XX/XX/XXXX until XX/XX/XXXX. The amounts added up to approx {$5000.00}. My spouse is the only person using both debit cards. I only discovered the fraud activities when I noticed a large increase in spending and I asked my spouse to reconciliate the account debits. BNY Mellon has repeatedly denied the fraud activities, instead accusing us of lying to them about those fraudulent charges. I have reported this crime to the Financial Crime Unit with the XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am the victim of identity theft with Suntrust Bank and BB & T. Who are now Truist bank. When trying to open up accounts in XXXX, XXXX for my business I was informed I could not do so. I assumed this was resolved as I have filed an identity theft claim with the police and also the XXXX credit bureaus.

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 2016-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
For upwards of the tenth time in the last two years, I have made a monthly payment on my Bank of America credit card after the bill issued, and they failed to credit it for that bill, instead imposing a late fee, reporting me late, and requiring a double payment. This has been complained of to CFPB multiple times before, and yet it keeps happening. Here again I sit after having spent a half hour earlier this week during the work week trying to get it straightened out, then when that representative said he had it straightened out and credited back the erroneous late charge, on the immediate next bill it said I was late and required double payment. Very simply, bill issued XXXX XXXX, due XXXX XXXX, I paid it XXXX XXXX, and yet they do not credit the payment. This has happened seriously upwards of eight times, perhaps more., I have complained repeatedly to CFPB, spent HOURS on the phone with B of A, been told varying stories by B of A, but they just keep getting it wrong. This is now a chronic consumer finance problem with them bordering on intentional.

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 2020-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent XXXX a letter about items on my credit report that doesnt belong to me, they are still reporting inaccurate. I am including a copy from XXXX that is reporting accurately from XX/XX/2020 I filed a previous complaint against Experian, complaint number XXXX please update that case with the information provided by 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 2020-12-30
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Firstly I have been on hold now for over two hours with PayPal. PayPal put limitations on my account, I have provided all the documentation they required and each time I ask when my issue is going to be resolved another 72 hours is added. I am closing on a house on the XXXX of XXXX, My sister sent me {$3000.00} to help me with closing costs. The day I received the money, PayPal put a restriction on my account. I called them, I submitted every bit of information they wanted but still they have not lifted the restrictions. They have held my money for over 5 days, and they will still hold it for another 3 before releasing it into my account. Time is really what I do not have, I need that money urgently. My sister even called them and also wrote to them countless times. Why are they refusing with my money when both the sender and the recipient have provided all the details they need? Now they do not pick up my calls, do they flag people that call too much? People that annoy them because all they need is their money? I dont know what else to do, I have begged, I have cried for what is rightfully mine. They charged my sister an exorbitant amount in charges and still they are holding the money? I know it benefits them as a financial institution to hold peoples monies for as long as possible but they have to also realise the amount of damage and pain they are inflicting. I am appealing to their humanitarian side to to please help me with this. As I am typing this message, I have passed the 2 1/2 hour mark and no one has picked up my call. Can anyone on this forum please help me. My Reference ID : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have XXXX different names reported on my Trans union credit report and XXXX addresses that do not belong to me. I recently sent Transunion a copy of my drivers license as proof of my correct name and that I have not used any other names to apply for credit or any other paperwork. They refuse to correct my report to the correct name which is XXXX XXXX XXXX. The names that need removed are XXXX XXXX o XXXX XXXX and XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-06
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Amex advertised that I can get {$75.00} reward per refer up to {$550.00} a year if I refer my friends using the referral link.

There were 109 clicks through my referral link, which means at least 10 successful refers through my link between XX/XX/2018 to XX/XX/2018. However Amex is not giving me any referral bonus as advertised. 
My referral link : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Opened a bank account at XXXX XXXX was told a few dats later that my account would be closed due to various socials being connected to my account. Was basically told they didnt want to bank with people who committ fraud. Explained to them that the XXXX credit bureaus had my identical triplet sisters who have similar names as me on the credit report. I was told to contact the credit bureaus and get proof they were fixing this issue. Contacted the credit bureaus XXXX, transunion, and XXXX. They stated to me that there was nothing they could do. And that this was not the case. I explained this has been an ongoing issue for years now. I lost my bank accounts due to this error on their part. I have tried and tried to get my sisters off my credit reports as my aliases even explained that we are all different people. I explained that I am married and have not changed my name yet due to having XXXX people on my credit report. I dont want another person added on there. This has ruined my life and is very unacceptable. I can not apply for anything without my sister having access to my peraonal accounts. XXXX is ridiculous. Ive lost so much on this error made by the credit bureaus.

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 2017-01-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My consumer rights have been violated, I did not sign any agreement with Midland Funding LLC, and they have filed a " Statement of Claim '' against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ALLY FINANCIAL INC.
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX XXXX email XXXXXXXXXXXX I am writing to these person to get my mother 's check from the settlement with Ally. She was promised XXXX in a letter and no one deposited the money in her autoloan, mother sent the next payment minus the XXXX promised and this company kept on charging her late fees every month to the point she is soooo behind. I helped her fill out a form on XXXX or XXXX, we have a copy and they were ( ally ) supposed to give her that money in her loan. Anyway, she is still paying an exhorbitant amount in interest more than anyone can go to pay for a car loan, this has ruined her credit, making her unable to refinance her home and affected her emothionally. When we complain, they threaten us that will impact our credit more and more. Where is the money, they promised us? They gave us a number XXXX XXXX XXXX and it says that in a recording you got all the money left for you guys to use at the CFPB which may be mom 's too. 
Anyway, she is concerned about the credit and the money. She wants the credit information revised to show the XXXX in XXXX 2015 when she was DUE that money and that would have made a lot of difference, she has paid the loan over already if you take into account the late fees, and the interest rate. She does not speak XXXX as her tongue. I am from XXXX. We can not even refinance it due to the impact of the ally fees into the " lateness '' of the payments because of that supposedly money will help people like us. We use the car to work

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 2020-12-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation