BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  is reporting my payments every month through XXXXXXXX However I'm noticing that the principle balance goes to what I paid it down to. Which is resulting payment percentages going up. That's misleading it makes it appear that I'm NEVER making payments. Original Loan is {$2700.00}.

There is a consorted effort with XXXX, TransUnion, XXXX, XXXX  and FICO. 
I have 15 months of screen shots. My FICO was XXXX XX/XX/XXXX and has dropped to the low 600 's ( with NO 30 day late payments and under 30 % ). When I dispute items and it goes in my favor, ( my FICO NEVER moves ). Fed loan reported a {$50.00} payment my FICO shot up to 52 pts, but then that following month when I made a payment of {$290.00} my FICO never moved at all. I can never get to a good status, as soon as I do, here comes another false report ( Out of nowhere ). Case in point. Yesterday XXXX XXXX reported to TU that my balance went up {$240.00} and my XXXX went down 2 pts. Yet my last payment on XX/XX/XXXX was NEVER reported. As of XXXX balance is {$2100.00} but that's isn't reflected. 
Last month XXXX  removed both of my credit cards with out my consent and my FICO fell 52pts ( the points that I accrued from the {$50.00} XXXX  XXXX payment, which I never made it was a {$91.00} payment ) XXXX  also continues to report incorrect updates to my balances as well.

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 2023-05-02
Company: NAVY FEDERAL CREDIT UNION
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:
To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of inaccurate late payment reporting on my credit report with XXXX and XXXX. Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. 

The account in question is as follows : Creditor : Navy Federal Credit Union Account Number : N/A My credit report with XXXX reflects the correct account standing, showing no late payments and a status of " good standing. '' However, my credit reports with XXXX and XXXX inaccurately report late payments on the same account. This discrepancy raises concerns about the accuracy and reliability of the information reported by your agencies. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of the late payment reporting on this account. Should you fail to substantiate the late payment claims or correct the inaccurate information, I insist that you promptly update my credit report to accurately reflect the account 's good standing, as reported by XXXX. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of the late payment reporting, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Nelnet, Inc.
State: MD
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:
On Thursday XX/XX/XXXX, I called Nelnet to end my XXXX forbearance early and to converge all my loan payments to XX/XX/XXXX as the first payment and subsequently every XXXX of the month. The agent I spoke to with the last name XXXX said I was approved for the SAVE plan and my payments should have been around {$820.00} a month and that she was submitting a form to begin my payments on XX/XX/XXXX. 

On Friday XX/XX/XXXX, my account reflected this information as my monthly payment and I set up auto-debit for ease of payment and a reduction in interest by 0.25 %. 

On Saturday XX/XX/XXXX, I received a message from Nelnet saying that I had a payment due on Monday XX/XX/XXXX for {$2700.00}. This was neither the right date or amount of money that was agreed upon. I had no way of contacting Nelnet because they do not provide weekend hours of assistance. 

On Sunday XX/XX/XXXX, I cancelled my auto-debit on my Nelnet account but knew they have a 3 day cancel policy so I was going to have to call and speak to somebody. 

On Monday XX/XX/XXXX, I called Nelnet at XXXX XXXX to cancel this auto-debit. They said that since it was not less than 3 days, there was nothing they could do and I needed to contact my bank. Agent XXXX XXXX said he would try to contact the processing center and also start to file a complaint for me but there was no guarantee that the money was not going to be auto-debited. 

Nelnet should not be trusted to do auto-debits since I agreed upon the SAVE amount and they charged me more than double that amount and they trapped me by only giving me 2 days notice on the weekend which is predatory and criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to formally dispute and bring to your immediate attention certain inaccuracies present in my credit report. Upon reviewing my credit report, I have identified fraudulent accounts, addresses, and personal information that do not belong to me. I kindly request your prompt investigation and correction of the following discrepancies : Fraud Addresses : 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Fraud Accounts : 1. XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX Fraud Names : 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 I have never resided at the mentioned addresses, opened the listed accounts, or used the provided names and phone numbers. These discrepancies are indicative of fraudulent activities, and I request your immediate attention to rectify these errors in my credit report. 

I hereby demand the removal of the mentioned fraudulent information within 14 days from the date of this letter, in accordance with the Fair Credit Reporting Act. I explicitly state that I do not require a response from E-Oscar, and any communication regarding this matter should be directed to my address or email provided above. 

Failure to comply with this request may result in legal action to protect my rights under the aforementioned Act.

I have attached supporting documentation, including copies of my identification, to verify my identity. Please use this information to conduct a thorough investigation and update my credit report accordingly. 

I appreciate your urgent attention to this matter and expect a resolution within the stipulated timeframe. 

Sincerely, XXXX XXXX SS # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX Suntrust allowed XXXX to withdraw {$1100.00} from my bank account, without my approval, using a debit card ending in ( XXXX ) that was no longer active for it was closed by Suntrust on XX/XX/XXXX due to fraud. XXXX was never set up on automatic withdrawal for I would have to go into my account each month and submit a one time ACH payment. XXXX never had my routing number or my bank account number only the debit card information ending in ( XXXX ) which again was used for one time ACH payments. Attached is a timeline along with other proof documents which goes into detail our experience with XXXX. On XX/XX/XXXX we left XXXX due to months of dealing with their billing incompetence. There is no contract for service only for the devices. After we left XXXX they sent return boxes and labels. I returned all 4 phones ( proof attached ). I then received a bill for {$1100.00} which is obviously not correct for we only owed them one month of service. I then received a letter from a collection agency dated XX/XX/XXXX for the same incorrect amount {$1100.00}. On XX/XX/XXXX Suntrust allowed XXXX to withdraw the {$1100.00} using the closed debit card ending in XXXX. I placed a claim with Suntrust that day. Suntrust never retruned my funds while investigating and then denied my claim before they even received my proof. I submitted a rebuttal which after 45 days was denied for their decision did not change, I provided 17 pages of proof to back up my case. I did receive 2 reasons from Suntrust while speaking to two different agents for why XXXX was allowed to steal my money, both were different reasons. 
1. Suntrust stated I had a contract with XXXX therefore they allowed them to take an unauthorized payment ( Suntrust is my bank and a 3rd party that should not have been involved in civil matter ) 2. Suntrust stated XXXX was able to use a prior one time ACH payment approval code to push the unauthorized payment through on the closed debit card. ( I do not see how that is lawful for a one time ACH payment is for a specific amount for a specific date and is a one time payment )

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 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
For many years I had an AAA Visa -Bank of America credit card XXXX I received a letter dated XX/XX/XXXX that the AAA Member Rewards credit card account by Bank of America was to be taken over in XX/XX/XXXX by XXXX XXXX XXXX. 
I had XXXX points and chose to redeem XXXX for cash. I submitted my request online and the attached Bank of America Cash Redemption email I received stating : Your redemption request is confirmed. Please allow XXXX business days from the date of redemption to receive your rewards. It is noted a personal check was requested and the XXXX ID number. As of XX/XX/XXXX, I have not received this {$100.00} check. 

I read online that Bank of America has been ordered to pay {$250.00} million for illegally charging junk fees, withholding credit card rewards and opening fake accounts. The CFPB accused the bank of harming hundreds of thousands of customers, etc. The bank illegally withheld promised credit card cash rewards. 

My {$100.00} is small in comparison to the money owed to customers but Bank of America needs to be held responsible for all monies withheld and owed to customers, regardless of the amount. 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 explanation
Consumer complaint received 2019-07-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
In XXXX of this year, I used a promotional balance transfer check for my Chase credit card account in the amount of approximately {$1400.00}. I used a second balance transfer check for {$400.00} in XXXX. These checks offer a promotional 12 month 0 % APR for any purchase they're used for, with the stipulation that you lose your interest free period for any normal charges until your entire card balance is paid off. 

On XX/XX/XXXX, I used my card to make a purchase of {$1300.00}. Once I got paid 2 days later ( XX/XX/XXXX ), I made a payment of {$1300.00} to my card. I made this payment promptly because I knew I no longer had an interest free period on normal purchases, and did not want such a large charge to accrue interest. 

Over the next few billing periods, I noticed my statements now included an interest charge, even though the only balances remaining should be my 0 % APR balance transfers. I assumed this was interest accrued during the few short days I had made purchases before paying them off, even though the interest charges seemed high for such a short time. By my XXXX statement, the interest charge had more than doubled even though I had made only a few small charges and promptly paid them off. 

After going to my local branch, calling the support line, and emailing customer support through the Chase app, I finally figured out that the payment I had made on XX/XX/XXXX of {$1300.00} had been applied to my promotional 0 % APR balance instead of my {$1300.00} purchase, and that this purchase had been accruing interest ever since then. From my understanding of the Credit Card Act of 2009, my entire payment should have been applied to my highest interest balance before being applied to any other balances, as I had already made my minimum payment earlier that billing cycle. 

When I pointed this out to a Chase customer service representative, they told me that payments are applied to previous statement balances before charges made during the current cycle, regardless of interest rates. This seems like a violation of federal law to me, as the Credit Card Act doesn't differentiate between statement balances and new balances. My purchase began to accrue interest the day it was posted to my account ( XX/XX/XXXX ), and therefore my payment on XX/XX/XXXX should have been applied to it before any lower interest balances. Their policy means that I would have had to wait for the statement cycle to close and interest on my purchase to be calculated and charged to my account before I could have a payment applied to that balance. 

I am now stuck with a large balance on my card accruing high interest that I currently don't have the means to pay off, while my 0 % balance transfer has been paid off by funds that legally should have been applied elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
They refused to explain the hidden fees, refused to tell me where my money was going and just said they were classified as hidden fees, and they expected me to just accept it at that. It happened so often that I had the number saved and would call so often about the situation that I ended up closing both my savings and checking 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 2019-10-06
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan statements would come in mail on the XXXX or XXXX of each month giving us time to send check on the XXXX for a mortgage due date on the XXXX of each month. 

Now loan statement comes on XXXX or XXXX of month not giving us time to send check for due date on the XXXX. 

Seems Loan company wants, in my opinion, us to do auto payment or paperless billing. 
Why the change in receiving our loan statements? Had to mail check without current loan statement again for XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
We filed bankruptcy in XX/XX/2015but never foreclosed on the home and continued making on time payments to XXXX XXXX. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to XXXX XXXX they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with XXXX has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise

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 2023-10-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
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 XXXX XXXX XXXX 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 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

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 2023-06-24
Company: EQUIFAX, INC.
State: TN
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:
Equifax continues to violate my rights under the FCRA. I am the victim of Identity theft and have complied with actions requested my Equifax and the financial institution that the fraudulent loan was taken out with. I have provided Equifax with a statement of the ID theft, ID verifying documents, FTC Identity theft report, and a police report of the fraud. 

Yet the account and late payments continue to remain on my report. Equifax is in complete violation of FCRA 605B. I have filed a police report supporting the facts set forth in my FTC declaration. This states the CRA is under a MANDATORY requirement to block this report from my credit report immediately. If Equifax continues to do so, I will be forced to consider legal action against Equifax as this information being on my report is a violation of my rights and harming my ability to seek credit.

Company response to consumer: Closed with explanation