BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-24
Company: General Motors Financial Company, Inc.
State: UT
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
GM Financial does not list the amount due on the online payment system until the amount is past due. Each time I log in, it says amount due {$0.00} forcing me to memorize my car payment amount to the penny so that on the next screen I can type it in. I called to address this early on in my lease because it 's confusing and places risk on me to fat finger the wrong amount or be off by a penny and potentially get penalized for an erroneous payment. How does this make sense? Why is this their practice? It 's not helpful at all and again confusing and problematic. I have a ton of bills and sometimes I do n't have the paper bill in front of me so I have to go digging around in past confirmations to remember the amount that I am being forced to manually input. This is a set up and is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On XX/XX/XXXX, I received a Business Adverse Action letter from XXXX XXXX XXXX where I am shopping for a new homeowner insurance. The letter said they put a surcharge on my premium because the information they received from LexisNexis XXXX XXXX in XXXX. 
In the LexisNexis report, there was an insurance claim listed for XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ). After talking with XXXX, I have learned that a phone inquiry on XX/XX/XXXX has been changed to a claim without my knowledge. One of the insurance item I had with XXXX called " home system protection ''. When my furnace was broken on XX/XX/XXXX, I called the company to ask if it is covered by " home system protection ''. I didn't get the answer on the same phone call. Later I paid everything by myself to fix the furnace and did not get a penny from XXXX. I never thought this phone call became a claim and it is against me now when I shop for new insurance. After discuss with XXXX I was provided by a letter saying that the claim was closed and payout was {$0.00}. However, after I presented this letter to XXXX, I was told that the surcharge can not be removed because the claim was still there regardless the payout amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
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:
XXXX  XXXX XXXX requested a copy of my credit report Experian. I did not authorize them to do so.

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 2021-03-18
Company: Experian Information Solutions 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:
An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX report earlier this year, but it still appears on my XXXX and Experian. It should be removed from all 3.

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 2016-07-02
Company: General Motors Financial Company, Inc.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am a GMFinancial customer since XXXX 2015.I was recently XXXX '' from the XXXX after XXXX. I moved from XXXX to XXXX. The vehicle that i Have leased with GM Financial is for my wife so that she could get back and forth to work as we both are not full time employees after I took a job working for the XXXX. My pay decreased annually by {$XXXX} a year. During the month that my payment was late with GM Financial I had made a call requesting an extension and set up a scheduled payment that cleared. During that call, I was lied to and told that I would not be reported late and that once my payment cleared I would be set. GM Financial inaccurately reported me late for a month that I was told I would be current. I have since been on time with payments just as I was before. As part of my promotion in my job, I am required to keep my credit report immaculate. My job requires an XXXX. I will be getting reviewed again in the next couple of month and I am fearful of 30 day late report showing up on my review. This will hurt my chances of promoting and becoming more financially stable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Bank of America released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free.

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 2017-04-06
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a fixed 2nd mortgage with Nationstar Mortgage. I noticed on my statement that I have been assessed a {$37.00} fee for " Optional Products and Services '' beginning XX/XX/2016 to present day. I DID NOT opt-in for this optional product /service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Nordstrom- I got their response from the previous complaint. They indicated that my check was insufficient fund. I tried to pay with cash at the store and using my XXXX XXXX card. They couldnt accept my payment through that method. That does not have any factor to me making a payment to resolve the issues it possible. AGAIN IF THEY COULDNT ACCEPT MY PAYMENT WITH THE METHOD IT WAS GUARANTEED, THATS NOT MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So my wife and I had a second mortgage ( heloc ) with BOA we were in bankruptcy in XXXX and made all the payments and finished it in XXXX we carry on paying first and 2nd mortgage then in XXXX last year we tried to refinance but we we're told they could not find anything on a heloc or 2nd mortgage so we called BOA i and was told the account was charged off in XXXX so I dig some digging and found that they had filed a substitution of trustee and full reconveyance in XXXX. 
After exhausting all calls to BOA to no success I am making this complaint I am kind of confused that it was charged off and also ourself and our bankruptcy attorney was not notified by letter or anything and damaging our credit score for XXXX years for no reason also they will not tell us if it needs to be payed or not

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 2016-08-14
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 've been a customer of yours for years, and I tried to refi with you to drop my pmi. I was told you needed a an appraisal of the house and charge me {$500.00} for it but before I gave you my visa number I was informed that if the loan didnot go thru I would be refunded. I did not think there would be a problem because on XXXX and XXXX my house was valued over {$110000.00} but my appraisal came in at {$100000.00} Seriously? How can both internet cites be that far off plus homes around me recently sold over {$120000.00} ( see attatched ) so my loan did not not go thru and you only refunded {$170.00} of my {$500.00} Are you willing to lose a loyal customer who has always payed on time over the {$320.00} you still owe me? Here are home values close to me SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX SOLD : {$110000.00} Sold on XXXX/XXXX/XXXX XXXX beds, XXXX baths, XXXX sqft XXXX XXXX XXXX , XXXX, PA XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2021-04-20
Company: Upgrade, Inc.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I borrowed a personal loan of {$35000.00} from Upgrade on XX/XX/2019. Though the loan amount was disbursed only {$32000.00} as {$3000.00} went towards origination / processing / application fee. 

Interest rate : 21.93 % per year Since then I have already made the payments as below : Total amount paid until now : {$23000.00} Amount credited towards principal {$18000.00} Amount credit towards interest {$5800.00} Loan balance as of today : {$22000.00} I understand that the interest is being unfairly being applied to my account as a result the loan balance is not going down. 

I have enclosed the loan agreement form and the details of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquiry on my Transunion credit file.

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 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
An initial application was taken out with Bank of America for a residential home mortgage was taken out on XX/XX/20. The original closing date was on XX/XX/20. The closing date was moved to XX/XX/20 with approval from Bank of America. Bank of America was supplied with all financial and title documents well in advised of the XX/XX/20 closing date. Bank of America was not able to provide the final proper Closing Disclosure documents until AFTER the moving date of XX/XX/20. I ( and my real estate attorney ) were unable to reach ANY Bank of America representative by phone or email to obtain an update in obtaining the proper final Closing Disclosure timely. It is my Complaint that Bank of America failed to adhere to TRID Guidelines in providing me with the prior Final Disclosure documents at least three business days prior to my closing causing agravation on my part and the seller, additional costs and fees that were incurred. While I understand recognize the environment of the Covid-19 epidemic, the fact that Bank of America was unreachable is inexcusable, nprofessional and bad business practices.

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 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Recently, Transunion removed XXXX credit inquiries from my account causing my credit score to increase. Shortly afterwards, they added the inquiries back, causing my score to decrease lower than it was initially. I need these credit inquiries removed completely due to their error and damage to 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 explanation
Consumer complaint received 2021-03-18
Company: BSI Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a rebuttal to the closed case XXXX : The response is unsatisfactory and does not address the following : I provided documentation showing payments were withdrawn from my account on XX/XX/20 and XX/XX/20. Where were those funds applied to? There was no way BSI would have let me go without making payments 2 months in a row. I AM ATTACHING ONCE AGAIN MY PAYMENT HISTORY. TO INCLUDE WHAT IS ON THE WEB PORTAL AND MY FINANCIAL INSTITUTION. 

I have talked with customer service with no unusual wait time. In my complaint I addressed the fact that the Loss Mitigator, XXXX XXXX, does not answer the phone, return calls, or answers emails period. He is assigned to my case and it is no excuse. I was specifically told by the last Complaint Specialist answering the complaint that XXXX is suppose to talk to me. He in fact is very rude and nasty. In addition, he provided a plan by investors designed to take my home. In fact it is more than the mortgage is worth. 

In addition, I have asked customer service for a manager and they are refusing to transfer me to the manager XXXX XXXX. This is not customer friendly. Consumers have a right to speak the manager. They are not transferring customers and intercepting in the call.

There are so many complaints on the consumer affairs website on the same issues I am not the only one. I WANT TO BE TRANSFERRED TO ANOTHER LOSS MITIGATOR. I WANT TO TALK TO A MANAGER PERIOD!!! 

Third on the reversal, it is important to notify a customer when you make any changes to someones account. THERE SHOULD HAVE BEEN SOMETHING WRITTEN. NO ONLINE WHERE IT STATES REVERSAL. I should not have to complain to get a response ON THIS MATTER. THIS IS ILLEGAL. JUST MAKING CHANGES TO SOMEONES ACCOUNT WITHOUT NOTIFICATION IS WRONG FLAT OUT!!! 


Finally, I have no loan documents. I never have from this company. I have asked many years ago to provide me loan documentation. You have not done that. I WANT DOCUMENTATION ON THIS LOAN WHEN IT WAS TRANSFERRED TO YOU!! IMMEDIATELY!!! THIS IS ILLEGAL. 

This company has predatory lending habits. I have forwarded my complaints to the Attorney General to investigate this place. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: Army and Air Force Exchange Service
State: GA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
For over XXXX years, AAFES charged me directly from my social security XXXX check payments to pay back my mil. star account, even though prior to them doing that, I tried to tell them I was XXXX and could only pay XXXX dollars a month, but it was not sufficient for them. 
I contacted them again in 2014 claiming It had been more tan paid and again to tell them I now was diabled 100 % and they were hurting my pocket. 
They went ahead after many emails and supposedly pardon balance of debt and returned a refund, saying it was now paid in full, but has reported my credit as a charge off even though I have been XXXX for many years. Iam requesting your intervention for the XXXX time against this creditor and investigate if I was legally forced to pay since my supposed balance was XXXX. They should reimburse me. See attached letter sent by them after my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Credit Karma, LLC
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute to XXXX regarding XXXX XXXX XXXX for a collection account that I did not recognize. During the investigation all XXXX Credit Bureau 's place a dispute as well as for XXXX that I did not know at that time it was linked to XXXX XXXX XXXX. When the investigation was complete I received the results online but did not get any verification signature from either company stating that the account was mine. I received a notification on my credit monitoring that XXXX was removed on XXXX XXXX, 2016 then readded back to my credit report on the same day XXXX XXXX, 2016 as a new account. I then contacted the credit bureau 's about reinserting the account without being properly notified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
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: Problem with personal statement of dispute

Complaint:
I missed a payment with XXXX XXXX due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called XXXX and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through Transunion and XXXX reported I was late and it should remain on my account. I called XXXX on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove 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 explanation
Consumer complaint received 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 filed a dispute in regards to incorrect items on my credit reports, it has been well over XXXX days and i have not received any investigation 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 explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For years I have battled to get the correct information printed on my credit report in regards to two accounts that have been closed with the department of child support by the mothers and I continue to have full custody of the children. Not only is the balance information in accurate and completely out of date but so is the history. I have reached out countless times but only seem to get a request for supplemental identification documents from XXXX  and nothing is done I am legally XXXX and suffer severely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and often fall short of what they require for documentation yet here it is. I am also clinically proven with severe XXXX and have been fully medicated since I was XXXX so all of this becomes a huge challenge when I am faught by the credit bureaus

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