BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: IL
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:
hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a 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 710. XXXX has me at a score around 592. 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 XXXX 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 year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2022-09-06
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I can not login into my account, I cant access my points rewards page. It shows I have XXXX points when it should show XXXX or more. This GARBAGE company blames it on a software update from 5 MONTHS ago. When are you actually going to step up and do something!?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: Accurate Background
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I would like to report erroneous, unfair and incorrect information that is on my fcra. Listed is the facts and nature of the case. I have had trouble with the XXXX Virginia court system before and instead of correcting this error I have to pay the price and am losing employment offers.I don't know how you can continue to spread lies and call yourself a justice system. XXXX and Accurate have not responded to my attempts to explain the situation. This is now my third attempt. 

I found out that I have outstanding warrants in Virginia, I've lived in Florida for 4 years now. I'd like to discuss right now why it is a non issue and that it should not impact my working eligibility in any meaningful way. I literally just got off the phone with the XXXX Virginia Sheriff 's department that can be reached at XXXX and he explicitly told me that XXXX will NOT take action against me and they will NOT extradite. The driving on suspended license should not be an issue since I have a valid drivers license in florida now. I have worked hard to stay out of trouble since living in florida and am ready and motivated to begin working as soon as possible. Should also add for the record that I am in good physical and mental condition and have done this job before, twice in fact. So we are clear and upfront about the situation and there is nothing preventing me from getting this job, thank you for your consideration XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I received a notification to re-certify my income based repayment plan in late XX/XX/XXXX. I downloaded my XX/XX/XXXX tax return and completed the re-certification process on XX/XX/XXXX. On XX/XX/XXXX I logged in to make my payment due XX/XX/XXXX and saw it was ~1,800. This is NOT income based. I contacted customer service. Apparently the upload function for my tax return was not working on XX/XX/XXXX, which I did not know. I was informed I should submit it then. I did while I was on the phone with the customer service agent. And told it would take 7-10 days to process. I asked if there was anyway to speed that up so that I would still be able to make my XX/XX/XXXX payment. He said no and that I could request a forbearance. I did not want to do this, as I am not making any progress toward loan forgiveness and the loan provider is making money on interest accrued while I am in forbearance. He said I would only need a one month forbearance and that I would have my new amount for my XX/XX/XXXX due date. <P/>I called back today, XX/XX/XXXX, to again ask if there was anyway to speed up the process as I was unaware they were missing documentation after my first submission on XX/XX/XXXX and I am in the process of looking to buy a home and need a loan letter to confirm my actual payments on income based repayment plan. The lady informed me it was my fault for not doing it sooner in XX/XX/XXXX, that they have n't been able to process these re certifications in 7-10 days all year, and I was looking at 2 months and the forebarance request to XX/XX/XXXX would n't be enough. She was unable to tell me when my recertification request would be processed. <P/>I can go to studentloans.gov and plug in my AGI from my tax return and find out my payments under my plan in less than 2 minutes. It should not take up to two months to re-certify. I should not miss two months of payments towards loan forgiveness and the service provider should not be making money of my forbearance requests. <P/>In an XX/XX/XXXX XXXX XXXX article FedLoans was contacted and gave a statement that they were taking steps to correct the problem of significant delays ( defined as more than 15d turnaround ) and they expected to catch up later that month. That clearly has n't happened and it is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Mi name is XXXX XXXX XXXX, My daughter, XXXX XXXX, was placed under legal guardianship under my care as of XX/XX/XXXX because XXXX is in a XXXX XXXX XXXX. I am responsible for all her affairs. Since the appointment, I tried to straighten out her financial affairs, including the XXXX XXXX credit card under discussion here. Several trips and several calls to the bank have been made. A copy of the legal papers were provided to the XXXX branch manager at the first visit in XX/XX/XXXX. In each of my attempts, no one will speak to me insisting they need to speak with XXXX, or that a Power Of Attorney be provided. I have repeatedly explained that XXXX became XXXX XXXX from an emergency, and a Power of Attorney will not be possible to obtain. In such cases Legal Guardianship that is awarded by the courts is the method by which authority is assigned to someone to act on behalf of another. All I need is a payoff balance, as I want to pay the account off, but since they wo n't speak to me, it is impossible. XXXX 's reputation has been harmed as she has been needlessly reported as delinquent. I feel XXXX XXXX has been negligent, causing me great stress as her mother because I believe in paying bills on time. I do n't understand the unwillingness of the bank to deal with me since I have the authority to act on her behalf. Please help me make the bank understand they must give the information necessary for me to pay the bill off. I also want very much to have her credit record adjusted so the delinquency is removed. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled may credit report and saw a medical bill from XXXX XXXX XXXX. I have not received any service from this hospital. The bill is showing on all three credit bureaus, from two different collection agencies. I contacted the agency that is listed on my XXXX and XXXX reports since its the same agency XXXX XXXX XXXX XXXX. I spoke with a rep ( XXXX ID # XXXX ), explained to her this is NOT my debt. And I asked her how did they send this to the credit bureau without contacting me. Well they did n't have an address, phone number or any type of contact information linking me to this account. Thats how!!! She tried to look the account up by my name, address and phone number and NOTHING comes up. She then looks the account up by the last four digits of my social and the account comes up under someone else name. So I asked her for the address the letter they sent the notice to and she told me she could not give me that since I was not the patient listed on the account. She goes on to tell me that I can dispute this as identity theft and contact them in five days, or they can still come after me for payment. How is that possible? I am not paying for a debt that is not mine. When the rep could not find an account for me she asked are you sure we ( XXXX ) sent this in to the credit bureau? I told her yes and read off their information from my report. I did n't have an account number for the debt which she did supply me with the account # XXXX {$620.00}, # XXXX {$200.00}, # XXXX {$550.00}. I 'm currently out of work and was offered a job at a XXXX XXXX which the offer was rescinded due to my credit. The collection agency is not willing to remove this debt and it is causing me to not qualify for employment in my field of study.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a credit card on file with XXXX XXXX  that is eappearing my credit report through Experian. The account was closed I believe in XXXX or XXXX. It should no longer be on file yet it says that it will be until XXXX. That account was paid in full and should not be on my account.

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 2017-06-23
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been a member of American Express since XXXX. I have always paid them on time, without any problems. However American Express put my wife on the account without our knowledge and that lead to more problems. My wife 's Identity was stolen and because my American Express Account was in her name too, these criminals had access to my American Express Account as well. After all these years, having the XXXX Card and The XXXX Card, they are treating me as a criminal and embarrassing me where I live. American Express called our neighbor, Mrs. XXXX XXXX at XXXX XXXX XXXX, XXXX, TX, XXXX at XXXX. This was so embarrassing, and against Federal Law. This is also a violation of my privacy. If American Express had not put my wife on my account without my knowledge or consent, I would n't be having this problem. Furthermore, I made arrangements to pay back American Express by paying them {$200.00} on the XXXX Card and {$200.00} on the XXXX card a month, but this is not acceptable, because their employees do not have the authority to do anything but harass customers. The F.B.I. has contacted them about my wife 's situation, but American Express chooses to ignore them and continue to harass me, and violate Federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hi I'm missing business checking sign up bonus that was offered on the account back in XXXX. 

Bank of America is offering a bonus of up to {$500.00} when you open a new Business Checking account. The requirements to Receive a XXXX XXXX XXXX XXXX of {$500.00} are : Open a new business checking account by XX/XX/2022 ; Make Qualifying Deposits of {$20000.00} or more in new money into the account within 30 days of account opening ; Maintain an average balance of {$20000.00} until day 91 after account opening. 

Link to offer : https : 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 monetary relief
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
State: KS
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 been a XXXX for the past 10 years in XXXX XXXX XXXX in our community. In order to obtain my XXXX degrees, I had to take out student loans myself. During my first few years of XXXX, I was informed about the XXXX loan forgiveness program that is offered through the Department of Education. XXXX XXXX in XXXX XXXX XXXX could earn up to a XXXX forgiveness after XXXX for 5 years. After XXXX XXXX for 4 years, I moved to XXXX XXXX XXXX XXXX. I have now been XXXX XXXX XXXX XXXX for the past 6 years, qualifying me for the full XXXX. My wife and I have been working hard to submit the forms required to receive this forgiveness. Our forms have been denied 5 times in the past year and we are starting to fill helpless. We have followed all the directions and the past three times have had a representative assist us during our form completion to assure accuracy. It seems like new errors are found each time and it takes them over two months to tell us about them. Then we have to resubmit everything all over again. It has been suggested each time that we take forberence because taking XXXX off of our total could substantially reduce our payment, which is over 450 dollars a month, because we do not qualify for any other repayment options. We have learned that during this time our account has increased substantially because of the interest. We are ready to free ourselves and buckle down and pay off our existing loans. Today we submitted another XXXX Loan Forgiveness form and hope that with your help, we can get the forgiveness that I qualify for and pay off the rest of my loans affordably and quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXXI called in and complained because Huntington Bank charged me {$37.00} which is a Returned NSF item fee because of not enough funds in my account to cover {$44.00} water bill. However they had subtracted that amount out of my account already so it appeared to be paid but the next day I looked into my account and they had returned it and charged me a fee. I spoke with XXXX who was extremely arrogant and rude. I explained to her one of the reasons I chose to bank with them was their 24 hour grace window and on this transaction that window of 24 hours was not given to me. She stated that it was their option not to extend the 24 hour grace to whom they wanted and it was n't a guaranty. I explained that was n't in the promotion that they advertise so in essence they were running a bait and switch advertisement whereby you have consumers open up their accounts thinking they have a benefit of a 24 hour grace period when really they do n't. I advised her that it appeared to me she was getting agitated because I was voicing my opinion which was my option and she stated that the system do n't no the race of a person when it rejects items for insufficient funds it is done internally based on your account. I stated that I know that because a lot of the complaints against there banks when it comes to this particular issue is with their XXXX American account holders and she stated if so then we need to keep funds in our accounts and we would n't have that problem. I was livid and shocked and I advised her I would file a complaint against Huntington Bank. I am considering a class action lawsuit if I do n't receive an apology and my funds put back in my account and afterwards I will find another banking institution for my direct deposits. When I thought it could n't get any worse on XX/XX/XXXX I was charged two insufficient fees of {$37.00} and 2 of my check items were returned again with no 24 hour grace notice once again although my direct deposit was deposited in a second account that came in the same day. I honestly believe this was done in retaliation for my earlier call onXX/XX/XXXX with XXXX as well as Huntington Bank discriminatory practices against XXXX Americans. I spoke with XXXX today and she was n't helpful at all so I had no other choice but to file this complaint and if this complaint does n't suffice then I will file a class action law suit to shed light on their banking practices as it relates to people of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had paid for a month for Experian and I wanted to follow up on some disputes on my report cuz I have so much incorrect information of mine and I also have been a victim of identity theft for years and XXXX didnt do nothing about it years ago and now Experian is doing the same and I cant take it no more because I have no credit I paid some accounts thats not mine I have disputed more and I cant even get a loan or credit card OMG! I lost my family my job and everything because of this identity theft please take a look at my credit report and tell me if you need some information I can provide you please please please help me I dont know what to do and this is my last option

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 2022-03-09
Company: EQUIFAX, INC.
State: NJ
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 Receivable XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: Navient Solutions, LLC.
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:
Most importantly, I am XXXX since birth, XXXX  and XXXX XXXXXXXX, and a XXXX XXXX. it is IMPOSSIBLE for me to contact Navient, because NONE of their phone numbers are accessible to persons who use XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Furthermore, my problems with them began because their loan documents are much too small to read, their " instructions '' are even worse to read and understand, and I had to ask my other XXXX XXXX friend to become my Cosigner for the loan. After I was granted the Cosigned Loan in our about XXXX, I received a Forebearance after I graduated, and Navient NEVER TOLD ME CLEARLY what was the EXACT DUE DATE for repayments to begin after the Forebearance. There is some kind of " rule '' at Navient that the person must make all payments due ON TIME for the first two years, and they will then release the Cosigner. I missed only one payment during the first two years, because Navient did not clearly notify me of the Due Date, BUT SINCE THAT TIME, all of the monthly payments have been made ON TIME. They still refuse to release the Cosigner, and they wo n't permit a replacement Cosigner. My original Cosigner is now XXXX and he wants a peaceful life, but he is STUCK by Navient, and he is very upset, and so am I, This is RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX 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 crime which antedates the report by more than seven years.

15 U.S.C 1681-2 ( 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 non-monetary relief