BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 AXXXX Cloarly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2020-11-27
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX XXXX with GM Financial in XX/XX/XXXX0f XX/XX/XXXX. The account number was XXXX. Not even ( 2 ) weeks later XXXX XXXX, swapped out the vehicle on that lease for a new XXXX XXXX because the original was a lemon. The new account number is XXXX. From the time that I signed the lease paperwork for the 2nd XXXX XXXX  up until XX/XX/XXXX, I made ( 5 ) payments. Then all of the sudden GM Financial had issues with something that XXXX XXXX did or did not do. GM Financial obtained my XXXX XXXX credit report by pulling a hard inquiry without my OK on XX/XX/XXXX. That inquiry is still there. They seemed to have fixed the issue with the ( 2 ) accounts. But NOW THEY ARE SAYING THAT I HAVE A PAYMENT DUE on XX/XX/XXXX. I am PAID ON MY ACCOUNT UNTIL XX/XX/XXXX. As stated above, I made ( 5 ) payments! GM Financial needs to find the 5th payment, because they got my money, and apply it to my account BEFORE the account shows as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
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:
My goal, intent and wish since repayment began has been to participate in the interest rate deduction for automatic payments. During the pauses like forbearances, that I was steered into rather than an appropriate repayment plan, the ability to participate in the automatic payment interest rate discount was wrongly dropped and discontinued. The studentaid.gov website currently says, " Talk to your servicer to enroll in automatic payments to get a 0.25 % -point reduction on your interest rate. '' As you can see in my repayment history, many initial payments were correctly set up for autopay. While I have looked into how to continue the reduction, including asking or attempting to ask about it by phone over the years, that possibility has been deflected, omitted, prevented, made impossible and/or to seem impossible, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
Your company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and XXXX ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate. 

The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX XXXX  {$14000.00}

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 2023-02-22
Company: DOLLAR MUTUAL BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 i deposited {$2100.00} to my checking account. I originally attempted to make this deposit in the drive through ATM window. The machine was counting the new bills, I say this because they were crisp and sticking together which was the issue here., incorrectly. A car pulled up behind me so since I still had over {$1000.00} to deposit I pulled around to the front of the building to deposit the remaining {$1300.00}. The drive through ATM has taken {$760.00}. I didnt realize until AFTER I hit accept at the second ATM that I was short {$200.00}. I called the bank once they opened on the XXXX  only to be told by the bank manager that the ATM counts were correct with no more help. I filed a claim and was returned my {$200.00}. Today however {$200.00} was pulled from my account saying the claim was denied. I have two witnesses that watched me count the money for my daughters XXXX  account that state that there was {$2100.00}. I had them count it before I left. And now the bank is taking this money back? The money was crisp and sticking together. Unless it was physically recounted by the employees then a machine is of course going to keep sticking those bills back togetherI have this problem at my place of employment. I would not be pursuing this issue this far if I was not 100 % sure that I am being stolen from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-30
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
XX/XX/19 - Tried to obtain the balance and transaction history on the website XXXX of two different prepaid Visa cards given from an employer, one of which had no balance but also no transaction history. The company was phoned and they advised they were unable to assist without the original load amount, which this information is not available due to the length of time past since the card was given ( over 12 months ).

After this I contact US Bank as the cards are backed by them, they transferred me to their internal gift card automated line. They card number did not register and I called the customer service line again. I was informed that if I went to a branch with ID that I would be able to obtain the information.

I then went to a US Bank branch and an employer tried to assist by contacting the card company again, but was given similar information. Though she was advised that the card did not actually have a XXXX balance and that the card was not activated correctly. 

After this the employer was contacted and advised that the cards are paid for in cash and that no history is kept of the purchases, meaning that they could not provide the original card amount. 

It seems unethical that the company will not provide information for an alternative way to verify the account history even when speaking with a bank representative.

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 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have 2 mortgages with XXXX XXXX XXXX XXXX. Both of those were set on auto pay but for some reason one of the mortgages did not process the payments. So for # 1 Auto Pay worked. For the # 2 did not. This was not issue with insufficient funds or something like that. Their system did not process the payments. 

This was unknown to me for 3 months until I received the notification from the Credit Bureaus that I am late on my loan for 90 days. When contacted XXXX they sent me to their new processing company. And they said that it was my responsibility to keep tabs on the payments and they carry no responsibility for their system not processing the payments, even though they found issues on their end. I have to say that I believe that it can not be just my responsibility as I have hundreds of bills. If auto-pay did not work, or I had to check every payment, every month, I would be doing nothing else but confirming paid bills every hour of every day. 

I received no calls, no emails, no any kind of notification that payments did not go through. 

My account has been settled and all previous missing payments have been paid off but I carry a derogatory mark. I kindly request to remove this as it was an issue on the processor 's system and not issue with me not paying it.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$450.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$76.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX  XXXX XXXX Owed : {$3500.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.

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 2022-02-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It seems none of the prior options fit my complaint. 

I have just been denied XXXX XXXX XXXX XXXX after teaching for 21 years. I enter the income-based repayment plan after hearing about it from a friend. Prior to this, Navient ( and XXXX XXXX ) provided forbearances instead of informing me of the program and enrolling me. I enrolled in XXXX, however this has been an option since XXXX. That was a loss of 6 years toward the XXXX years required. Navient forgave some private loans for these reasons but what about federal loans like mine. The same mishandling they admitted happened to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-26
Company: Experian Information Solutions Inc.
State: GA
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:
I have disputed a Bankruptcy with the Credit Bureau who continues to inform me that verification is verified as accurate when it is not. The Bankruptcy Courts mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

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 2022-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account set up specifically for my renter to make deposits. I rely on this money to pay my mortgage for the rented home. I had a previous account set up where the renter would deposit the rent via money orders and there was no hold placed on the funds deposited. She makes the deposit via cashiers checks, all from the same issuer, all under {$500.00} each, for a total of {$2100.00}, much less than the {$5500.00} limit per Regulation CC and Funds Availability Act When I reopened the account earlier this year, Chase Bank now puts a 10 day hold on these funds even though nothing has changed. I informed them that all transactions are under {$500.00} each, for a total of {$2100.00} each month, which does not meet the banking criteria for a hold. They have informed me that its their choice to do that, EVEN THOUGH THEY DIDNT DO THIS BEFORE. I need these funds to pay my mortgage. By placing a 10 day hold on them now, the funds are not available in time to make my payment. Today, I went in to transfer the funds as the 10days have passed, and the banking system says my funds will be available on XX/XX/22, and they are still not posted to my account. This is ridiculous and outs an unfair burden on the average American who just wants to pay her mortgage with funds that should be available immediately because they are cashiers checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I was sent a letter from my credit union dated XXXX XX/XX/XXXX notifying me of changes to my credit card account. These revised terms that increase my amounts I pay for when I use this account because of a poor credit report from Equifax. The poor report was based on Serious Delinquency, Too Few Accounts Currently Paid As Agreed, Lack Of Recent Installment Loan Information, Number Of Accounts With Delinquency! 
I have always paid my debts on time, never late. My credit score was XXXX until I signed as a co-loan for my granddaughter for a student loan. This was four years ago. She messed up the very first payment and the Loan Company ( XXXX XXXX ) was so nasty on the phone that I paid off the loan in full ( {$11000.00}. )! I only had her get a loan so she could get a credit rating. The loan was paid off XX/XX/XXXX but continues to show up. 
My last scores were dated late XXXX : XXXX XXXX ; Equifax XXXX ; XXXX  XXXX. My credit union told me when I went to their office that the letter was sent out by mistake and I should have received an amended letter. I went to their office on XXXX XX/XX/XXXX and received a letter dated XXXX XX/XX/XXXX which said nothing about the credit report. I'm XXXX years old with XXXX and XXXX XXXX XXXXXXXX, I shouldn't have to put with this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-23
Company: CITIBANK, N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Received a text from number : XXXX XXXX XXXX ( XXXX, FL ) Addresse to CITI customer- issues with account and to reaccess account please click on link : XXXX XXXX XXXXXXXX XXXX led to a citibank page. Asked for username and password. Then led through asking name, social, mother 's maiden name, then took to a log in with XXXX email/email password. Asked for license photos as well. 

I had been having issues with my Citibank debit card and had received a few texts over the past few weeks but ignored all of them. For some reason today I clicked on this link and followed through giving them all of this information. 

I immediately called Citibank bc something didn't feel right about this and they explained they would never send a link to click through or text about this information.

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