BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

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 XXXX XXXX XXXX. 
XXXX Account XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 2020-01-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
The American Express Platinum card offers an annual credit of {$200.00} towards XXXX rides. This is broken up into monthly amounts that expire if not used. The Amex Terms and Conditions state if a ride is more than what is available than you will, credit card customer, will be charged for the difference. For the last year, month over month, I used XXXX and my rides were over the monthly {$15.00} allocation. I reached out to XXXX and they have informed me in customer service emails ( 4x ) that they do not do partial credits. When I reached out to Amex and provided them the information received from XXXX, they said they would investigate, but promised no response back to me and only a credit for {$50.00}. 
They told me they can not assist for the other credits that have since expired with XXXX. I believe this is Unfair and Deceptive marketing practices by American Express and XXXX. The benefit is offered through American Express and charged using my American Express card. They should 1 ) fix the issue with XXXX for myself and any other customers ; 2 ) credit me for the remaining {$150.00}. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ) on XX/XX/XXXX and received a call from XXXX XXXX with AMEX 's office of the president on XX/XX/XXXX. I was informed that AMEX provided the monthly credit to an XXXX wallet and partial credits should be withdrawn monthly as part of the ride. This did not take place. AMEX advised that after the amount is received within my XXXX wallet that the benefit has been provided, and there is nothing further they could or would do. They advised me further that an old Amex card # is linked to my XXXX profile that may have caused the credit not be to applied, but I should have received a partial credit. Through research online I was able to determine that XXXX changed their wallets and how partial credits maybe applied depending on how a User has established their profile, which largely impacts Amex benefits. 

I have since deleted my profile within the XXXX App and created a new profile, and in XX/XX/XXXX received the partial credit for the first time. 

This seems to be a known issue of AMEX benefits based on internet research, which through their partnership with XXXX should be rectified. This benefit was offered and then operationally changed in XX/XX/XXXX without customer awareness ultimately allowing the two companies to benefit from customers unknowingly not receiving the benefit ; thus, decreasing the cost to offer the benefit and increasing fee income by AMEX through increased credit card spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: SERVICEMAC, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The sale of my home closed XX/XX/2022 : with {$1900.00} in the escrow account. I have not received a disbursement for those funds despite having notified ServiceMac on three occasions that their checks were not received. Each time, Im asked to wait 30 days before they will attempt to reissue payment. On my last call, I provided bank information and was advised that an ACH would be processed to my account on XXXX, XXXX. Instead, another check was allegedly issued and ServiceMac is refusing to stop pay and complete the ACH as promised.

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 2019-07-21
Company: EQUIFAX, INC.
State: CT
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:
On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX  accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX I checked my credit reports and my report showed that my XXXX XXXX   accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.

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 2018-02-06
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was transferred to Rushmore Loan Management Service LLC on XX/XX/XXXX from XXXX XXXX XXXX. I was at the end of Modification with them when it was sold. I received letter from Rushmore saying they are going to honor the modification XXXX XXXX XXXX had agreed on. My Payment 's was sent to BA of {$1100.00} So I started sending Rushmore payments on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I paid XXXX. In XX/XX/XXXX I called to make a partial payment I was told No by XXXX he couldn't take a partial payment. I received a call voice message on XX/XX/XXXX saying they were done with my modification. Most Modification after you do three payment 's your starts that next month. I never received my Modification paper 's from them until XX/XX/XXXX. Signed them and had them Notarized on XX/XX/XXXX. They sent me XXXX to me on XX/XX/XXXX. On XX/XX/XXXX they sent me copies of the paper 's I had notarized for my records. The letter was dated XX/XX/XXXX but envelope was dated XX/XX/XXXX. On XX/XX/XXXX a certified letter came with the date on top of letter XX/XX/XXXX. And the notice of intent to foreclose. On modification it states that payment begins on XX/XX/XXXX but I just signed them on the XX/XX/XXXX. I called Rushmore XX/XX/XXXX and spoke with customer service XXXX ID # XXXX he ask was I going to try and save the house I said yes. XXXX was shock and didn't understand why I just signed my paper 's. My loan was transferred on XX/XX/XXXX. Plus my payment went up to {$1200.00}. My question is if I'm just signing my modification paper 's how are they foreclosing on the property? I will be sending over documents. I just didn't here anything until XX/XX/XXXX on the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter out on XXXX XXXXHere is the attached letter, however, the credit bureaus failed to remove the one that did not response in 30 days or those that failed to provide proper documentations to show ownerships. 

According to the law 15 U.S CODE 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XX/XX/XXXX TransUnion FACTUAL DATA Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion I hello, I reviewed a copy of my current credit report and I show the inquires above are fraudelent and I have sent a copy of FTC report to request removal. I have not be successful and need these removed due to attempting to purchase a home.

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 2022-09-07
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: Account information incorrect

Complaint:
There are several accounts reporting through XXXX XXXX XXXX XXXX XXXX which ALL my accounts have been paid as agreed and on time. There is a remark on a few of them 90 days in 2017 which is inaccurate. I tried to address this now twice and received only one response back from XXXX saying they weren't going to do anything. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Interest free promotion ended earlier than I was told. I am current on my payments, however I requested from the store the terms of conditions for which this account was opened. I am now responsible for {$4000.00} in interest. If this is indeed the case, I would like to have the terms and conditions that I signed. The store and the financing company have not been able to provide, after numerous requests.

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 2022-09-07
Company: Experian Information Solutions Inc.
State: NC
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 sent in a letters on XX/XX/22 letting XXXX, experian and XXXX know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( XXXX ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
XXXX sent me back a RESEARCH REQUEST FORM EXPERIAN did not send anything back. 
XXXX XXXX sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.

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 2022-09-07
Company: EQUIFAX, INC.
State: NC
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 sent in a letters on XX/XX/22 letting XXXX XXXX  and equifax know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( XXXX ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
Equifax sent me back a RESEARCH REQUEST FORM XXXX did not send anything back. 
XXXX XXXX sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Last night I had a credit limit of XXXX this morning I have a credit limit of XXXX. They made this change overnight with no advanced notice and then claimed it was because my credit rating was XXXX when it was actually XXXX from the same XXXX XXXX. Thought it may be just a computer error, but I've had this card for almost two years and always had the same credit limit as far as I understand. This is actually the first time this happened within my 70 years and they did this rather poorly because they didn't tell us ahead of time but they're sending us a letter in the mail after the fact.

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 2019-07-21
Company: AES/PHEAA
State: CT
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:
On XX/XX/XXXX I checked my credit reports and my report showed that my Fed loan accounts " Needs Attention '' Upon checking the status the account read that I recently missed a payment on this account. However no delinquency existed. I am asking for a investigation, this account is in deferred status and no payments are required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax was alerted of a security breach in XXXX XXXX, 2017 and failed to notify the affected parties for over a month. I have just learned my information has been compromised today. 
I have been trying to get my free annual credit reports, but Equifax 's servers are down. 

I have started the arduous process of not only securing my accounts and information, but helping other members of my family who are also victims of this breach. This all comes at a great cost of our personal time and money. Someone even charged {$180.00} worth of liquor to my credit card, even though I do not drink any alcohol, and that 's only what I have uncovered so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EdFinancial Services
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received an email on XX/XX/23 informing me that my loans had been transferred to EdFinancial and that my account was ready to use. However, I was unable to login. On XX/XX/23, I received an email telling me my original transfer date of XX/XX/23 had changed and I would be notified at a later date once the transfer had happened. I attempted to call the company because I wanted to make a large payment and needed to know my principal balance. I was unable to talk to anyone. On XX/XX/23, I received an email saying that effective XX/XX/23, my loans would be transferred to a new servicing system. I again was unable to reach anyone by calling ( extremely long wait times ). On XX/XX/23, I was able to make an account on their website but was not seeing up-to-date income-based repayment information. I was STILL unable to talk to anyone. On Monday, XX/XX/23, I attempted to login and am now seeing none of my loans. I see an error that my loans will be moved to a new servicing system. I have since been unable to log into my account to view my loans and have been unable to reach customer service. I AM FURIOUS! Interest began accruing at the beginning of this month and I can not pay down my principal! I dont even know what it is!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
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 information incorrect

Complaint:
Why is transunion XXXX points less on a XXXX score than the other 2 with the exact same information, scam, they are scamming people.

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 2022-09-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
***UPDATED INFORMATION FOR COMPLAINT # XXXX ***THIS IS NOT A DUPLICATE COMPLAINT*** ***DO NOT CLOSE AS DUPLICATE*** The credit reporting agency EQUIFAX INFORMATION SERVICES, LLC has been now twice been informed of UNAUTHORIZED INQUIRIES currently being furnished on my consumer credit report and has now willfully and deliberately failed to remove or block the unauthorized inquiry as required by Federal Law pursuant to the Fair Credit Reporting Act [ 15 USC 1681c-2 ( a ) ]. This agency was only allowed 4 business days after receipt of the Identity Theft notice to remove the disputed items and shall not be granted any further time to address this consumer dispute. This agency has alleged a completed investigation but has failed to provide evidence and proof of my consent, instruction, or expressed written permission for the disputed inquiries to be furnished as required by law. In accordance with Federal Law under the Fair Credit Reporting Act I now require this agency to immediately remove or block from reporting the following unauthorized inquiries : XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: NY
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 customer service

Complaint:
I recently legally changed my name and want to update my new legal name on all of my Citibank credit card accounts. I went to multiple physical branches and no one could help me as they only deal with checkings/ savings accounts at the branch. 
Instead, they offered me to try their online or telephone customer service. 
I called the number given to me and they could not help me. So, I tried Citibanks online live chat. They tell me they can not help me and I must speak to a specialist who can easily fix the problem. They give me the same exact number I called previously. 
So, I tried calling again. Once again, they can not help me. Instead, they tell me I need to mail my social security info and other very important info to a specific address. Im not mailing important documents like that. 
So, no one at Citibank knows what to do or how to even help me

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 2023-04-12
Company: Synovus Bank
State: MD
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:
My credit score dropped drastically XXXX points this month because of 1 inaccurate reporting to the credit bureaus. 

On my application there was a box I checked off that said I am certifying that I am over XXXX and want all relevant emails for this account. All the necessary contact information was provided. 

That has never been done. They havent given me any notice beforehand of any problem. 

It would have been different if I had ignored their emails. They can not show that 30/60/90 Day period I was made aware of any problem and that I kept ignoring them. They did not give any notice of any type. 

I am protesting their money grabbing tactics to make money. I feel exploited.

Company response to consumer: Closed with explanation