BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My initial complaint about the inaccuracies of the late payments posted on my report were not corrected at all. Instead the whole account  ( s  ) for my loans were deleted. If their research showed that the late payments posted are valid or invalid then fine, because that was whtf I asked you all and them to look into. But instead TransUnion completely erased those three student loan accounts that were in my files and showed years of on time payments so of course that now has affected my score. It is very unethical for this company to do so and probably illegal for all I know to erase accounts that were current on my account. The other  two  agencies were able to look into the validatiy of these accounts while not emerssibg them. So why has TransUnion? It seems they intentionally did this jut because I questioned their reporting which I have every right to do as it 's my credit report  ( s  )! There 's no way a credit reporting agency is not aware that erasing three items im currently still paying on would not affect my scores greatly. They intentionally affected my average age of accounts which in turn also lowered m y credit score  significantly and I would like this reversed and corrected immediately! Thank you for your time and assistance in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I setup automatic payments with my mortgage company. These payments are setup to be withdrawn bi-weekly, resulting in 26 half payments, or 13 full payments, to be made each year. This is super convenient and I am satisfied with that. I am however concerned with the application of payments. Penny Mac withdraws these half payments themselves as I was told, during the setup process, that if I were to setup recurring bill pay payments through my bank, that when received they would likely be curtailed and this would require me to call EVERY month to have the funds reallocated. That sounded very inconvenient so I opted for their bi-weekly program. Although I find the process dated and silly at the dated technology abilities, I am overall somewhat satisfied. I do however have XXXX, in my opinion, very serious issue. The fact that they withdraw funds, like they did today, then hold the money for two weeks before there 's a benefit to the consumer seems a bit unfair, and frankly ridiculous. Questions ... where is the money sitting? in a bank account, accruing interest for the mortgage company? why do n't i see a benefit to that? why is n't the money applied to the account then? interest accrual, if i 'm not mistaken, it is based on the principal balance, is it not? so should n't the end result be seeing less interest paid over the life of the loan? unless it is not applied until 2 weeks after the company receives it ... I 'd like to better understand this and when I brought it up to their representative they told me there was nothing to worry about and that I did n't understand but offered XXXX explanation to remedy it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Synovus Bank
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was going to close this credit card because I no longer needed it but I ended up calling back and requesting to keep it under the advise of the credit repair guy. I called to make sure I had the right address and the website had the wrong address. The reason I was going to close it is because of the difficulty and expense of getting a payment in securely. I alerted the representative to the fact that the addresses were different and he was not concerned about it? I sent in the money order and did not put tracking on it, big mistake. I sent it in on the XXXX of XXXX and it was cashed on the XXXX of XXXX. First Progress said I needed to send proof so I sent the money order number and my receipt. They then told me I needed to send the other side of the money order so I attempted to fax it an entire day at XXXX until at the end of the day it finally went through. I have 11 pages proving that I was trying to fax from XXXX The first fax went right through? When I called the following day the said it was not sufficient? 
The money order was made out to them and it was cashed in the same amount of time as the prior payment. I thought the number of the money order is how they would know if my hand writing or any other detail was wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have attempted to verify requirements of the offer, but representatives were unavailable or required hour or more waits. I was to receive a {$300.00} offer after {$4000.00} dollars were directly deposited to my account.As such, I was purported to receive the bonus 60 days after the {$4000.00} requirement as  met : -  XXXX   XXXX   XXXX    XXXX  ,  XXXX  was directly deposited to the account, via  XXXX  payroll  XXXX   XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund, and, finally, -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited to the account via  XXXX  payroll ; As such, Bank of America h as offered an unfulfilled offer. The payroll was reoccurring, and the tax is, too.

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 2018-08-24
Company: URS Holding, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeated phone calls on my landline from a recorded voice caller with a gruff male voice who identifies himself as a debt collector. The recording does not identify the company the caller represents. He demands I call them back at XXXX. My caller ID shows the call is from XXXX, Texas from the number XXXX. I called the XXXX number and asked who they were, The man told me they are XXXX XXXX XXXX. He said he had a number in this file from a certain person. I told him that no such person resides here. He said he would mark it as an invalid number and we should not receive any further calls. I can not understand why we are getting several calls each day from this so-called debt collector. I looked up the problem on XXXX and found numerous others that are also receiving calls from this same source multiple times each day and are very concerned. I contacted my phone service provider and set it up for them to try to block the XXXX number on my phone line, but, as you know, these companies keep calling from a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Unexpected or other fees

Complaint:
Deposit of stimulus check from XXXX XXXX XXXX block on Thursday XX/XX/21 before 8 pm place hold on check until XX/XX/21 access to no money for that amount of time chase bank deposit into there atm machine verified check of XXXX $

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-22
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: Problem with personal statement of dispute

Complaint:
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

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 2021-08-10
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX - XXXX  closed my account for being 60 days late on a payment. 

XX/XX/XXXX - XXXX changed companies handling their auto-payment They say they tried to contact me. However, I never received any postal mail or e-mail letting me know my auto-payment would stop. If they called, no voicemail was left. 

XX/XX/XXXX - I saw a 120-day late payment hit my credit report. I immediately contacted XXXX to find out what was happening ( I have e-mail correspondence ). I was told about the change in auto-payment companies and immediately set up auto-payment again and brought my account current. 


Here are some things to note. I have been on auto-payment since XXXX and have not charged the card since XXXX, perhaps in XXXX. For 5 years, I have been on auto-payment with this card without using it during that time, so I was not watching for the {$39.00} a-month payment. I did not see that it was no longer being paid and had no reason to believe it wasn't. This has destroyed my credit when I need it most, post-Hurricane XXXX and I can not get the credit I need due to this. I feel that I have shown to pay on this account on time for years then to have the bank change the company they use I get severely punished.

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 2021-09-20
Company: General Motors Financial Company, Inc.
State: MI
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: Problem with personal statement of dispute

Complaint:
GM Financial On XX/XX/2020 AND XX/XX/2020 a finance inquiry was posted to my credit report initiated by GM Financial. This report was published without my consent. I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. Also pursuant to section 15 USC 1681 b ( a ) ( 2 ) a reporting agency ( GM Financial ) can only furnish a consumer report in accordance with written instructions of consumer. Neither written instruction nor consents were initiated at ANY time. Therefore, pursuant to the above, I as a consumer have been violated and my privacy has been breached GMC responded ( ( GM Financial has received your complaint sent to the Consumer Financial Protection Bureau ( CFPB ). I have reviewed your concerns and would like to offer the following response. 
Our records indicate on XX/XX/2020, an application was submitted by XXXX XXXX XXXX on your behalf to GM Financial for a XXXX XXXX XXXX. Therefore, the credit inquiry you have disputed was permissible and will not be removed from your credit file. For additional information regarding the above credit inquiry, please contact the dealerships listed above. ) ) ) The complaint never argued whether or not the inquiries were done but stated that my rights as a consumer was violated because I as the consumer never consented to you providing my information to a third party. This report was published without my consent. Again, I am aware that Pursuant to the Fair Debt Collection Practice Act section 15 USC 1681b ( c ) ( 3 ) the creditor shall not furnish to any person a record of inquiries unless initiated by consumer. If you are able to furnish proof of this consent to furnish my personal information- I would gladly review it. You have validated my rights and I demand removal from all platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: JPMORGAN CHASE & CO.
State: VA
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:
HI, I opened a new chase small business ink credit card from the bank, i was offered a promotion if i spend XXXX XXXX in 90 days i will get {$750.00} cash back from the bank. 

I completed the terms of the offer and never received the cash back and when contacted the bank they say the terms have changed and i needed to spend XXXX, there as no communication from the bank of this and even today i get offers from the bank for a new card for a spend of XXXX XXXX Reached the bank for the same but they refuse to help or address the problem. 

I feel cheated by the bank and now they have told me to not reach out to them. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: 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. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-04-09
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX  bank called me on XXXX XXXX and on XX/XX/XXXX. I haven't heard from them in two years and now they put the debt back on my credit report again when they took it off my credit report back in the year 2020. They are going to repeatedly call me just like they did in 2020. My credit score dropped dramatically because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had gotten a credit card from Home Depot back in 2019. I have been paying all the monthly charges on time and a lot more than minimum. I paid all notices about pay this amount to avoid interest charges. I never missed a payment and I've paid off about XXXX to XXXX thousands over the last couple years and never saw where it said I had to pay off a very large amount of interest. A month ago when I was making my payment I noticed it says I need to pay XXXX plus to avoid interest. I'm thinking my balance is only XXXX plus dollars. The next month my statement says I now owe them XXXX plus dollars. A XXXX plus interest charge all at once. I called and all I heard was it must be promotional charges and said they could send me some statements, statement that never showed where or how they could justify charging this amount. Help, this is not right!

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 2023-05-01
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : XXXX, Transunion and XXXX despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.

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 2023-08-21
Company: Nelnet, 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:
The Family Educational Rights and Privac

y Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. See 20 USC1232g ( b ). Remove my student loans from my account, immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: MA
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. 

Account name : XXXX XXXX, Account # XXXX Account name : XXXX XXXX XXXX, Account # XXXX Agency name : XXXX XXXX XXXX, Date : XX/XX/XXXX, ( {$480.00} ) Agency name : XXXX, Date : XX/XX/XXXX, ( {$2.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date : XX/XX/XXXX ( {$260.00} ) Agency name : XXXX, Collection, XXXX XXXX, Date XX/XX/XXXX ( {$170.00} ) 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.

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, 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 response to consumer: Closed with explanation