BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
When I try to transfer my Membership Rewards points to XXXX, I find out American Express freezes my account. They say : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' When I reach Amex customer service, a representative told me my account is being reviewed by their corporate office, they can do nothing about it. My points are my asset, which are equivalent to cash. I don't think American Express has any rights to hold my asset at any time. I have a travel plan soon, so I need to transfer my points ASAP to redeem a flight ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX XXXX ( XXXX ) is reporting on my credit file and is a fraudulent account. I have notified Experian and XXXX  on multiple occasions however the account still appears. I have also submitted an FTC report in regards to the fraudulent information. 

In addition Experian is reporting a XXXX  ( opened XX/XX/2013 ) account that is as an result of fraud and has been provided proper documentation to remove.

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 2019-01-03
Company: Self Lender Inc
State: MI
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:
Self lender failed to withdraw the XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Their investigation did not fix an error on your report

Complaint:
After several attempts over extended periods of time where the credit reporting agency has had plenty of chances to correct their errors, they have not. Furthermore, they continue to violate my rights as a consumer and have cost me the fair opportunity to accurate credit reporting. I am now submitting my request for payment of these violations and blatant proof of their deliberate ignoring of the laws. I attached proof of laws that are being violated along with the accounts. Please assists me in putting an ending to this matter. 

Attached is my formal requests along with before and after most current investigation request results.

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 2020-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XXXX {$470.00} XXXX   XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00}

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 explanation
Consumer complaint received 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX  failed to withdraw the XX/XX/XXXX payment from my account. So I was 30 days late. That was the ONLY time that I was late. I then closed the account and paid it. They have now listed that I was 30 days late TWICE on my reports, which is inaccurate. They have failed to correct said innacurate information now after I disputed it with the cras it has tanked my score by 60 points.

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 2020-06-26
Company: Troy Capital, LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Troy Capital , LLC purchased an old auto loan debt in XXXX. Troy Capital , LLC never reported the said debt to any of the credit bureaus and made no attempt to contact me or collect the date prior to filing a lawsuit in small claims court. I was properly served paperwork around XX/XX/XXXX. As far as I can tell, filing a lawsuit without reasonably attempting to collect the debt is a violation of FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Section. 809 ( d ) The original court date, XX/XX/XXXX at XXXX at XXXX XXXX XXXX XXXX, XXXX, IL, XXXX, was rescheduled for XX/XX/XXXX. It was filed XX/XX/XXXX and sent through USPS. It did not arrive at my house until about two weeks AFTER the court date. 
I then received another letter through USPS that a NOTICE OF MOTION has been filed for XX/XX/XXXX at XXXX to enter default judgement against me ( the defendant. ) I attempted to contact Troy Capital , LLC and they referred me to their attorney at XXXX XXXX. I explained my situation and offered $ 100 monthly payments starting immediately to which they countered $ 150 monthly payments. I have since contacted an attorney to further pursue these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Navient Solutions, LLC.
State: CT
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:
After graduating in XX/XX/XXXX I was told by the bursar 's office that my grace period on my student loans lasted until XX/XX/XXXX. It wasn't until just recently ( XX/XX/XXXX ) that I started receiving phone calls that I was supposed to start paying my loans back in XX/XX/XXXX. I immediately paid what was owed but it had already had a drastic impact on my credit. I called them and explained the mistake and they said that there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
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:
This is my 3rd complaint on this matter. Usaa sent my vehicle out for repossession status. I paid all back owed. Usaa is still improperly reporting past due on the account. I paid all past due balance, usaa is reporting wrong information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Per FTC Regulations, I am officially requesting for Santander or any of its ' affiliates to contact me via phone ( especially XXXX ) at any number nor my references. Please feel free to communicate via writing per US Mail. Best regards, XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX Dear Customer, Thank you for your recent web submission. For a better assistance, Santander Consumer USA offers you two options : You can contact us at our relay number at XXXX or you can contact us through our Live Chat feature. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-26
Company: Unifin Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A letter of Intent to collect a debt was sent to me from : UNIFIN, Inc. 
( XXXX ) XXXX E-MAIL : XXXX Unifin REFERENCE # XXXX, Debt. Description : XXXX XXXX " Original Acct. # XXXX '' " Original Creditor XXXX   XXXX  '' " Current Creditor : XXXX XXXX XXXX XXXX '' `` XXXX XXXX Ref Number : XXXX '' " Amount Due : {$880.00} '' " Proposed Discount Offer {$440.00} or 3 monthly payments of {$190.00} '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Since my first Wireless phone service, back in XXXX, until today, my PROVIDER has been XXXX and NOBODY else ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Alpine Credit, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called Alpine Credit regarding this debt which was placed on my credit report. The hospital that sold the account to them never gave the attorney dealing with this lawsuit case time to pay the medical bill, nor did they notify me that it was going to collection and placed on my credit report in 4 different accounts causing damage to my credit report. I called alpine credit to get the matter resolved and the representative told me it can stay on my credit report and hung up in my face. They are trying to also charge me more than the original medical bill amount. I want this item removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Navient Solutions, LLC.
State: MO
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:
I applied for an income based repayment option around XX/XX/XXXX as well. 
In XX/XX/XXXX of XX/XX/XXXX, I had a payment of {$2500.00}, sent on my behalf by my employer. I called to check on the status of this. Navient told me they had yet to receive the check, 2 weeks later. I then called and checked again, Navient then told me, it was sent to the wrong address and they were holding my payment. 

In XX/XX/XXXX, I filled out paperwork about lower my payment. Navient told me I could apply for an income based repayment plan. I completed all the paperwork. I am now in a forbearance. I have yet to be updated about this. 

In XX/XX/XXXX, my employer sent another payment of {$10000.00} to Navient. I had the same issue as before. In XX/XX/XXXX of XX/XX/XXXX, they told me they had not yet to receive the payment. On XX/XX/XXXX, the payment of {$10000.00} was applied. 

I applied for the income based drive programs based upon the change in my payments. When I started repayment in XX/XX/XXXX of XX/XX/XXXX, my payment was {$55.00}. This was my payment until I started back to school in XX/XX/XXXX. When I started repayment in XX/XX/XXXX, my payment was going to be around {$300.00}. I called and was able to lower my payment to {$60.00}. In XX/XX/XXXX of XX/XX/XXXX, I received a bill for around {$300.00} again. I then called and asked about income driven repayment. As of now, I am in forbearance instead of repaying in income based payments. I am making payments as I am in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions 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:
As per lender the late payment reported are incorrect and lender has request on XXXX XX/XX/XXXX and XX/XX/XXXX ( more than once ) to delete late payment from all 3 credit reporting companies and but its not removed from the reports. I have contacted all 3 credit bureau but they says they have not received any such communication but when i talk to lender they says they have already communicated to delete from credit report. 

I am going through this loop again and again and no solution yet.

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 2021-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
The items in question are not accurate in any way. I sent in challenge letters to the creditors as well as the credit bureaus and have not yet received a response. To resolve this issue. This is with XXXX XXXX as well as XXXX XXXX I never signed anything with. But the most important one of all was XXXX XXXX XXXX. That was not my mortgage. I never owed for a time share and this is costing me lots of money. I'm considering suing the credit bureaus for damages.

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 2019-01-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX XXXX XXXX, USAA I have submit a fraud claim of multiply transactions. USAA i declined the fraud claim due to the illegal activity using my address. I believe that these charges should be credited back to my account. USAA is violating t 15 U.S.C. 1601 et  seq. Especially, the provisions Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
There are several credit inquires that are reflecting on my report that I do not know the companies. I have written letters to the companies and credit reporting agencies to give me more detail. They have not given me a proper resolution.

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 2019-01-03
Company: Experian Information Solutions 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:
From my experience, Experian is no good credit bureau agency. They keeps changing the dates of old debts, doesn't investigate correctly. I keep disputing and nothing changes. I am requesting that XXXX  deleted XXXX XXXX XXXX account, XXXX XXXX XXXX account, XXXX XXXX XXXX account of my credit report.

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 2018-06-11
Company: General Motors Financial Company, 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 information incorrect

Complaint:
I lease my car through GM Financial. Payments are made online. I made payment in XXXX and statement states next payment due on XX/XX/2018. I had a death in the family and I just look into my credit report and Have excellent credit. I seen that my rating when down. I looked into and GM Financial filed a report that I was 30 days late. I immediately paid a payment. The account says I don't owe a payment to XX/XX/2018. I called GM Financial and the women said she would not in my account that there was a clitch in system, I called the XXXX XXXX XXXX and they said to call GM Financial back and ask them to report it. I called back and after 25 minutes speaking to a reprensative, he transferred me to a supervisor and she stated that they can't back and report it. I told I would call the Federal Trade Commision. I have a copy of the online statement, showing the due date to back up the information I have listed here. I would be happy to email the back up. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: BOK FINANCIAL CORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On my second payment to the mortgage company, I started sending weekly payments, because my mortgage company did not offer bi-weekly payments to help reduce my principle. So every week I would send {$320.00} and it would build up in a suspense account until it reached {$1200.00}, then a payment would be applied and the remaining money in the suspense account would go toward principle. 

It's important to note that every month, my lender would send me a letter acknowledging short payments and that " ... this amount is not sufficient to cover the full amount of your mortgage loan periodic payment. As as result, these funds have been placed in a suspense account. The funds will remain in the suspense account until you have remitted sufficient funds to equal a full periodic payment. Once you have remitted sufficient funds and the amount held in the suspense account equals a full periodic payment, the Bank will promptly credit the payment to your mortgage loan account. ... If excess funds are also included when you submit the additional funds necessary to cover your periodic payment, those funds will be posted as a principle curtailment upon receipt of your next periodic payment, unless you instruct us otherwise. '' This worked great and without issue, from my first weekly payment sent XX/XX/XXXX, until XXXX, XXXX, when I received a late fee of {$47.00}, because they changed how they were applying my payments WITHOUT ANY NOTIFICATION. I called my lender and they promised to waive the late fee ( since it wasn't late ) and instructed me to change how I was making payments. Lender advised me to start sending separate checks, one for monthly payment and other with PRINCIPLE ONLY written in the memo field. I started doing this on XX/XX/XXXX and sent one check weekly for {$280.00} and another one for {$36.00} marked PRINCIPLE ONLY. 

My XX/XX/XXXX statement showed my late fee as PAID, but then shows ( {$47.00} XXXX in parenthesis under fees and charges paid since last statement. So I'm not really sure if they did credit me that late fee or if they stole it from me, since it was never late. 

Fast forward to today when I'm reviewing my XX/XX/XXXX statement. Now it appears that NONE of my {$36.00} principle only payments have been applied to principle. Instead they're just throwing all of the money in the suspense account to pay my regular mortgage payment when it reaches {$1100.00}. This is completely unacceptable and likely illegal. I tried calling my lender today, XX/XX/XXXX, but the representative only said " so you want me to apply the $ XXXX+ in suspense account to principle? ". It's abundantly clear that my lender is committing fraud with my account and has no interest in actually servicing my loan and helping me correctly apply payments to principle. They charged me a late fee, when my account has never been late. They changed the way payments are applied without sending me notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello I opened a credit application with the XXXX XXXX XXXX XXXX XXXX. They rand my credit twice which decreased my credit score and then would not let me cancel or withdraw the application before it was confirmed. They would not give me a reason and basically are forcing me to accept their terms. Moreover, they can't tell my why the review process is taking so long.

Company response to consumer: Closed with explanation