BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an Amazon Store Card through Synchrony bank. During the time frame of statement ending date XX/XX/XXXX, I made multiple payments because I was hitting the credit limit. Specifically, I made XXXX extra payments, one each time I hit the credit limit. 

The problem is that Synchrony wildly misallocated these payments. Primarily, they allocated almost all of my payment to zero percent APR promotions and not to the regular, due immediately balance. This has caused two major issues, one is that they've transferred a large amount of the balances from zero percent APR promotions to regular due immediately balance, effectively making me lose these APR promotions. The second issue is they have charged me incorrect interest charges. 

They agreed to fix the errors, without any detail, and their adjustments were applied on statement ending XX/XX/XXXX. However, the balances are still incorrect even after their adjustments. They're closer, for sure, but still wrong by about {$700.00}. I contacted Synchrony yet again, pointing out that the balances are still incorrect, and they have denied it and refuse to fix it. I have made a spreadsheet showing in detail what the balances should be, which was sent to them. They didn't care. I looked up your agency because I feel that this is directly related to the standard allocation requirements for credit card payments, which is apparently enforced by your agency. I am attaching my spreadsheet with notes, and I am also attaching the relevant statements received from the vendor so you can see them. Thank you.

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 2023-04-27
Company: World Acceptance Corporation
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX i only have one acct with world finance Acct XXXX the company is reporting 2 accts on my credit profile on XXXX and XXXX and also XXXX  the other occt # XXXX they have the same open date close date amount spoke with the company they stated the original office close so why report twice

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: WI
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Early Warning Services, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I tried to open an account with XXXX XXXX XXXXXXXX and a couple of other banks but was having trouble doing so online and then was given this information by XXXX which shows this crooked company is behind all and negatively reporting my banking information in order to keep me from opening a checking account out of retaliation for my reporting banks in the past!! This needs to be illegal!! 90 percent of the people in this country are struggling financially this is just another way they are trying to oppress the poor!!! I lost my job in XXXX of this year and need a checking account set up for my direct deposit of XXXX!! The XXXX does not have my current bank XXXX on their list!! I want a copy of the report these crooks are using and want it deleted or I will be filing a class action against both them and XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: CA
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:
The cashier at XXXX XXXX coerced me into opening a new store credit card with them when I already have one open. The account that I didn't know exist is the one I'm having trouble with. I am an XXXX  woman with XXXX and I felt taken advantage up to help their credit card quotas on opening new cards. I would not want to open a second credit card with them whatsoever and after I realized it by checking my credit card, I tried to resolve it with them with no avail. I feel this is abusive to my XXXX status as well as my mental capacity and I wish to have the account removed, along with the lates.

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 2021-07-12
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
This week, my child who is XXXX received a debit/credit card in the mail. It claims " We received your name and address because you have previously been our customer. This card was not sent to you in response to an application. No credit report has been or will be obtained in connection with this prepaid card offer. '' It is from Brinks Money/Netspend and funded by XXXX XXXX XXXX  XXXX. It has a XXXX XXXX  account number and routing number associated with the card. I attempted to contact multiple numbers for Brinks Money and they are all automated with no way to contact a real person. I did reach out to XXXX XXXX and spoke with someone there and they said I would have to contact Brinks and I explained that I couldn't get ahold of anyone there. She asked if I expected a Child Tax Credit from the IRS and said it is possible this card came from the IRS. I don't know who to contact about my child receiving a debit card in the mail, some middle schoolers/teens would open the mail and activate the card and start using it without any parental consent. This company should NOT be sending prepaid debit cards to children under XXXX unless the parent has requested it, which I did not.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account 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

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 2023-10-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$8200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} ( Original Creditor : XXXX  ) XXXX Balance : {$330.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Original XXXX : XXXX XXXX ) XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$27000.00}. The loan was financed through Bank of America. The purchase price had a 2.23 % interest rate and a Finance Charge of {$1500.00}. My monthly payment is {$480.00}. 

I contacted Bank of America Customer Service three times requesting the original loan information, per diem daily rate and if this was a front-loading interest contract. Each time, I was assured the statement was mailed. After not receiving the requested information, I went to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, VA on XX/XX/XXXX and spoke with XXXX XXXX three times and he indicated he would not be able to provide a written breakdown of the monthly Finance Charges until next week. He indicated it would take time for this statement to be generated. He did provide two ( 2 ) printouts that were dated XX/XX/XXXX, that was faxed. The first document was an Account Transaction History, and the second document was a generic form on how to calculate interest. This document did not detail my personal loan. It was a generic document ( attached ) that was was not relevant to my auto loan. 

I have been charged Late Fees after paying my note on time. I was able to get some of the charges reversed after catching the errors. However, Bank of America attempted to withdraw {$48000.00} on XX/XX/XXXX, from my checking account from XXXX XXXX XXXX XXXX ( XXXX XXXX I may have inadvertently typed {$48000.00} instead of {$480.00}. But my payoff balance was only {$15000.00} and without my permission the bank attempted to withdraw {$32000.00} from the same account on XX/XX/XXXX. This does not make sense. On the bottom of the faxed Account Transaction History, it states, If you wish to pay off your account, you must obtain payoff information. Please call XXXX. I never contacted Bank of America requesting a payoff. 

Finally, I understand that Bank of America is a for profit entity. Finance charges are part of the business. However, {$94.00} a month is not reasonable. I have requested over and over again for Bank of America to explain how they calculated the {$94.00} monthly finance charge ; to no avail. I earned the right to have a 2.24 % interest rate by paying my bills on time and making sacrifices to pay off debt. It took me a long time to establish great credit. Please ensure Bank of America act with honesty and integrity and fix this issue.

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 2017-01-05
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a second complaint in reference to the same issue. The original complaint number is XXXX. My complaint is with regard to my FHA XXXX Mortgage which is serviced by Nationstar Mortgage. In XX/XX/XXXX I received an unsolicited call from Nationstar to offer me refinancing options. In the course of my conversation with their representative, they determined I may no longer need to be paying mortgage insurance, and a request was submitted on my behalf to have it terminated. The request was successful and I am no longer paying the insurance. However, it is clear that I was needlessly paying the insurance for a period of at least XXXX months prior to its termination without my knowledge. The response to my initial complaint only correctly restated the date of when my insurance was terminated, but failed to address my concern about the previous months of unnecessary insurance payments. 

Since receiving their response I have had more conversations directly with Nationstar and also more accurately pin-pointed that time at which I was eligible to terminate mortgage insurance. My understanding ( which was not disputed by Nationstar ) is that given that my loan has been open and in good standing for at least XXXX years, I would be eligible to terminate insurance when I reached a XXXX % loan to value ratio. 

I have obtained statements now which show I reached that value in XX/XX/XXXX. My insurance was finally terminated in XX/XX/XXXX, but only after I serendipitously recieved an unsolicited phone call which led to the discovery that I was eligible. After more conversations with Nationstar, they acknowledged that all of this is true, but that the onus is on the lendee to request termination prior to the date it was originally anticipated. As I make significant extra payments to my principal, I am well ahead of the payment schedule which was projected at the time my loan was originated. 

If it is true that the onus is on me to know when I no longer need to be paying mortgage insurance, then this is an issue which desperately needs to be addressed in the law. It is completely unreasonable to expect consumers to remember years if not decades after a loan was originated, the exact terms and conditions of mortgage insurance, and be montitoring their loan to value ratio on a monthly basis. If I had not received that unsolicited phone call, I would undoubtedly be paying mortgage insurance unneccarily for years to come. 

My home value at the time of purchase was {$160000.00}. So by my math I should have been eligible to terminate mortgage insurance once my balance was below {$130000.00}. The balance on my state from XX/XX/XXXX was {$130000.00}, and in XX/XX/XXXX it was {$120000.00}. I will attach those statements as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

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 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : 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 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 non-monetary relief
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!

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 2022-08-29
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a federal direct loan in 2007. At some point it was transferred to Navient. This was not in my control. I was never made aware that Navient is considered private. I kept my loan as a federal loan so that I could qualify for repayment or any govt actions taken regarding the loan. I was never made aware that the loan no longer qualified for federal things because Navient is considered private. The interest rate on the federal loan was 7 %, but I never went with a private company because I wanted it to stay a federal loan. I was also told if I did the income based plan my remainder would be forgiven after 30 years. I was never told that I would pay tax on the forgiven amount, which would eventually be more owed than the original loan. Once I found that out I was so far in and XXXX in debt. More than double the amount I took out. I am a XXXX, so this is an extraordinary amount of money. Flash forward to Covid. All fed loans get 0 % interest. I assumed mine would since they are federal. NOPE. Navient told me it was because mine are consolidated. That was a LIE. Had they told the truth at that time ( that they are CHOOSING to not give a 0 % interest ) I would have had the loans transferred to a different lender. Once I saw that I was getting XXXX on my loans and that the " forgiveness '' would actually cost me more money I transferred them to a private loan with a 3 % interest rate. Navient has lied to me multiple times and cost me an inordinate amount of stress and money. They are deceitful and should never have been allowed to service my loans. At the very least I should have been notified that they are private with full documentation of what that means

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, XXXX  and TransUnion on XX/XX/2021 regarding inaccurate and unverifiable items on my credit report. It has been over 90 days and I have not received a response from anyone. Failure to respond is a FCRA violation of my rights as a consumer. In section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 90 days, these items must be removed and deleted immediately. I demand these accounts be removed and deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to obtain credit and these inaccurate items are preventing me from doing so.

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 2023-03-02
Company: Finance System of Richmond, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After vacating the rental property, the landlord sent me an itemized list of damages. I disputed the damages within 30 days by certified mail. I received no response from her but received a collection letter from Finance Systems , Inc. I disputed the debt using the website listed on the letter, but did not hear from them regarding the dispute. When they called me in attempt to collect the debt I reminded them that I have already disputed it. After not hearing about from them for several months, I called to check on my account. They responded that they have no record of me filing any disputes and to check my emails for a confirmation. I do not have any confirmation in my inbox or junk mail. Because an email is required on the electronic dispute form, I sent a test dispute and still have not received anything. 

The only verification of debts they have from my landlord is an itemized statement. When I told them this seems like a matter for small claims court so that she can present proof of damage and receipts of repairs paid, I was informed by XXXX with Finance System , Inc. that this is what the collections company handles.

Company response to consumer: Closed with explanation