BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-26
Company: AMERICAN EXPRESS COMPANY
State: CA
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 balance transfer

Complaint:
On XX/XX/2022, I called American Express to address my APR for my Blue Cash Everyday card and options to reducing it. Within the conversation, I was informed about transferring credit lines. The representative stated to me that if I paid off the total amount on my XXXX XXXX XXXX XXXX which was a credit limit of {$2000.00}, I would be able to transfer the full {$2000.00} limit to my Blue Business Card. With that information, I accelerated my payments for XXXX, XXXX, and finally paying off the card on XX/XX/2022. 

On that same day, I followed up with another call to American Express and inquired about the clearing of my funds to pay off of my Blue Cash Everyday card ; a replacement card for that account and transferring my credit line to my Blue Business card. Due to the fact that I needed to replace my Blue Cash Everyday card, my process to transfer was stalled. Once I received my replacement Blue Cash Everyday card, I called back on XX/XX/2022 at XXXXXXXX XXXX  and, initial spoke to representative XXXX. I was informed by her, I would not be able to transfer the full amount of {$2000.00} from my Blue Cash Everyday credit card to my Blue Business Card. She stated that only {$1000.00} would be eligible. I stated that I was not made aware of this limit and that I was misinformed by two previous representatives. I asked to speak to supervisor. XXXX return to the line with XXXX the Customer Service Supervisor. She reiterated XXXX 's messages that I would only be able to transfer {$1000.00}. I had requested to receive and verify any type information and was told that there is no such policy to provide to me as a consumer and business owner who utilizes their institution. 

Then as we worked to a compromise through the available options to move forward on the issue, I agreed to move forward with the {$1000.00} transfer from my Blue Cash Everyday card to my Blue Business card, but was informed that it is not a guarantee and that an application must be submitted for internal approval. Another curve with no provide to be provided to me to verify or make an informed decision. 

I decided that I would not be moving forward with the application due to not being provided with enough transparent information to make an informed decision. 

American Express has misinformed me as a Consumer XXXX XXXX  XXXX by guiding me to accelerate payments to pay off a credit card with the hopes of transferring a {$2000.00} credit limit to my business when I could have used my funds for my business operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
After graduating in XXXX, I began receiving letters from Nelnet instructing me on how to pay my student loan bill. What I did not realize is that there were actually two separate accounts and that notifications for one of these accounts were being sent to my university email, which I was not able to access off campus. I was paying that 1 loan for months when all of a sudden I received a letter in the mail saying that my account was delinquent and I needed to bring it up to date. At first I thought this was a mistake. I had been paying my bill for months and had not even been late on a payment. When I called I learned that there was another account that I was supposed to be paying for MONTHS, yet Nelnet had waited until XXXX of that year to finally mail me a physical letter about my " missed payments ''. As discouraging as this was i brought the account up to date and HAVE NEVER MISSED A PAYMENT ON ANY ACCOUNTS. 

This nelnet issue is still affecting me almost 8 years later. My wife and I are trying to buy a house and my credit score is STILL only XXXX despite never missing a payment on any accounts. My credit card debt is minimal. A XXXX credit score does NOT reflect who I am as a borrower. 

I felt that Nelnet could have taken additional steps to ensure borrowers were receiving billing notifications. I dont understand how they can reach out to an INACTIVE email account for close to a year before finally sending a letter to me. I dont understand how my score is still being pulled at XXXX despite never having missed a payment on any other account in my life. This score does not reflect who I am as a borrower, you will see this upon taking a look at my payment history. 

I have spoken to other nelnet borrowers on blogs and even in person and have found that this is not uncommon at all. Nelnet should be taking every step necessary to contact borrowers given the especially dire consequences that come along with not paying your federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 've notified, disputed, and re-disputed to each and all XXXX credit bureau 's to accurately and correctly report that my XXXX was Paid-in-Full. All XXXX bureau 's have XXXX different and varying reports listing paid-less-than-full-balance, collections, or unpaid outstanding balance, which pushed into XXXX XXXX - XXXX XXXX, causing severe and discriminating consequences from a rental apartment company. Additionally, XXXX has also failed to update and/or notify or the XXXX credit bureau 's have failed to update their records citing XXXX60 days late, when in fact that should be XXXXNever Late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion reduced my credit score by XXXX points with no explanation. 

There were no missed payments There were no new accounts opened There were no late payments XXXX erroneously reported I made a XXXX dollar payment to my school loan and then reported my school loan debt increased by XXXX both are lies! 

TransUnion has failed to return the XXXX points to my credit score and keep sending me my credit report which tells me nothing. 

I want a letter from TransUnion stating what payments were missed, what new accounts were open, and/or what payments were late. 

I want a letter from XXXX stating why they reported a XXXX dollar payment was made to my school loan account and why XXXX reported an increase of XXXX to my school loans when no additional school loans were taken out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my Huntington XXXX XXXX account for the past month. I have attempted to close it via chat and was told they couldn't close it via chat but to call in. I then called in on XX/XX/2022 and was told they can not close it over the phone and I would have to come into a branch. I explained that I would rather not since I have a compromised immune system. I asked if there were any alternatives like an address to send a letter to asking to close it. She was not able to provide an address. I would just like to close my account without getting COVID. I'm appalled that in 2022 this is the only way I can close my account and make sure I don't get dinged with dormancy/monthly fees. If this is how they plan on making money as a business It's a little crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I was forced to get go and get my Transunion credit report and their website is very very confusing and in the end I supposedly got signed up for something that costs {$17.00}. Once I saw this I logged into the TransUnion website and tried to find what it was and cancel. But I was unable to. So today I called them and I spoke to a sweet girl that I could barely hear or understand. She did acknowledge the charge and told me I had been signed up for a week trial of some sort that ended up with me getting charged XX/XX/XXXX/mo. 
I was able to tell her I did not want it and she canceled the service. But due to how hard it was to hear and understand her I was unable to get my money back. 
I really dont know what this was for and I would like my money back. All I have is what shows up on my checking account : XXXX XXXX, 2015 TU *TRANSUNION XXXX, CA , US - {$17.00} TransUnion does not allow for contact besides over the telephone and Id rather try to avoid that nightmare.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed XXXX items under the 609 law over the course of four months. All disputes were notorized and sent certified mail. Said items are still on my report against the law as bureau never provided me with original documentation of these accounts they are suppose to have on file before the can list it on your 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 explanation
Consumer complaint received 2022-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Not only am I suddenly unable to login to my account online but I am being charged " interest '' on a paid in full credit card account. 
There was a balance transfer and then there was a payment made to pay the remaining balance in full. 
I am being charged interest for the day it was paid off. 
The representative, whom I can not understand, rambled off some reason why and its not accurate. 
When I logged in the account stated the balance remaining ( not the statement balance ) and I paid that amount. 
I owe nothing. 
Called twice, transferred several times, hung up on twice ( the phone calls drop ), and so I am making this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: Remitly, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On Saturday, XX/XX/2022, I went through the remitly app to send to {$55.00} to my nephew in XXXX which is XXXXXXXX XXXX in XXXX funds and as of today which is XXXX XXXX it still says in the application that the transaction is in progress but yet the funds was taken off my credit card and I was charged a cash advance fee as well but the funds still haven't been released or received by my nephew. I have called every single day on this matter and I continue to get the same response that it should take 4-5 hours to be resolved but yet it has been a week and 2 days now and nothing has been resolved or rectified. This is absolutely unacceptable and I am very appalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
First Federal Credit Control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a wrongful submitted medical bill sold to a 3rd party collection due to XXXX not billing XXXX code correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion sent the paper report ( attached ) in response to CFPB case # XXXX regarding XXXX XXXX # XXXXIn their CFPB response, Transunion says the date of first delinquency is " reporting '' as XX/XX/XXXX.THEIR report is attatched and it is NOT REPORTING at all.In addition the payment received was {$26.00} not XXXX as they are reporting. 
the last payment made was XXXX/XXXX/XXXX which is not reporting. The payment table does not accurately correspond with the XXXX/XXXX/XXXX date of first delinquency.Basic math in relation to the non-appearing date of first delinquency dictates that the payment table is erroneous. 
TRANSUNION IS NOT FAIRLY AND ACCURATELY PORTRAYING MY CREDIT according to FCRA. ALSO THE HIGH BALANCE AND ORIGINAL CHARGE-OFF AMOUNTS ARE FRAUDULENTLY EXCESSIVE BY HUNDRED 'S OF DOLLARS BECAUSE THE CREDITOR VIOLATED THE RULES OF THE FULLY-IMPLEMENTED XX/XX/XXXX CREDIT CARD ACT IN CHARGING LEGALLY EXCESSIVE PENALTY FEES AND INTEREST.TO SUPPORT THIS, XXXX, THE DEBT BUYER STOPPED COLLECTION AND DELETED CREDIT REPORTING AFTER THEIR INVESTIGATION about a year ago.WHEN XXXX BOUGHT THE DEBT IT WAS " PAID IN FULL ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Credit Reporting, Victim of TransUnion inquire issues. I called and spoke to customer service and they were n't willing to take of the issue. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, & XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am very hurt that I contacted Discover Bank to let them know I had my unemployment the end of last year which is why I had troubles making payments. I have always been on time and keeping my credit card in good standards but Due to covid related reason I had trouble. When I contact discover for any solutions they had for me to continuning doing business. I was told that I enrolled into a special plan where i make {$97.00} as a payment plan and it wasnt going to be closed. Next thing I know Discover closed my account. I am very hurt in this time of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've disputed an inaccurate bankruptcy with Transunion for several months now. Transunion consistently responded to the disputed account as " verified ''. They violated several federal rules under the FCRA 623 and 1681i during their so called investigations. Transunion has GEORGIA FEDERAL COURT - XXXX listed as the furnisher of information. I received a letter from the courthouse stating that they do not communicate with credit bureaus. Transunion did not send a notice of my dispute to the furnisher of information. In fact they are not providing the true furnisher of information for this account, as we know the courthouse is not the true furnisher of information. Transunion did not list an address or phone number for the courthouse, which proves that the account is inaccurate. Transunion also did not add a dispute statement to the account within 30 days. Transunion received my previous dispute via USPS Certified Mail on XXXX XXXX, 2016. I pulled my credit report on XXXX XXXX, 2016 and there was no dispute statement listed with this bankruptcy.

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 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX aka XXXX is innacuratly rsporting to ALL three agencies. I have disputed this through your system and I 'm more than confused as to how this is allowed to continue. On my Trans union, XXXX is rwporting XXXX negative and XXXX positive accounts. They are rwporting that I opened ALL XXXX accounts on the same day month & year totaling over XXXX {$.00} They are also reporting that I only paid XXXX month on all XXXX of the negative accounts yet I continued to pay for XXXX months on the positive ones. I submitted legal court documents stating in XX/XX/2013 XXXX filed a claim against me but dropped it due to settlements on all my accounts. the case againt me was settled and withdrawn and a year later they tried again to no avail and the case was dismissed against them -- yet, according to their reporting, even after the court cases, I continued to pay on only XXXX accounts. This is absurd! Then XXXX is reporting to XXXX as XXXX rents, they are reporting that I only have XXXX negative account and no positive accounts. They claim I opened the account on XX/XX/2013 and the amount was for XXXX for a term of XXXX month. How these agencies can not see the ridiculousness of this is beyond me, and both of these agencies claimed to have " verified '' this information. Well I wish to know HOW information is verified and I wish to have the verification myself. Last, they reported to XXXX XXXX negative accounts and XXXX positive accounts all opened the same day month and year totaling over XXXX {$.00} I have disputed and refuted this over and over. Credit agencies are not to allow innaccuries and its clearly OBVIOUS these reports are Innacurate. These actions by XXXX should investigated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed. 
However, I then got a statement to pay that interest. 
I called and they said they reversed the charge, I have also closed this account. 
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved. 
This needs to be resolved. 
This account is paid in full and I owe nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXUS SM BUS ADMIN ODA XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 scheduled direct mortgage payments from my checking account to XXXX XXXX XXXX. They have all of my checking account information, and can access funds directly. XXXX XXXX XXXX neglected to inform me of changes to my mortgage, and didn't process my mortgage payments due to these changes. 
I was eventually made aware of the problem by a third party credit monitoring service, XXXX, who texted me that my credit score had dropped by 156 points for a delinquent account with XXXX XXXX XXXX. Again, XXXX XXXX NEVER indicated that there was a problem with my account. They claim that they sent a notice via USPS, but I never received it. Instead of reaching out to me via email, text or phone, they allowed my account to be delinquent for 3 MONTHS, and instead reported me to the credit bureaus, without ever contacting me and giving me the common courtesy of letting me know what was going on. As soon as I found out about the issue, I called XXXX and initiated a transfer of funds to pay all outstanding balances. They are currently paid in full. I asked them to fix the problem with the credit reporting and they refused. 

I want XXXX XXXX to retract their complaints against me with the credit bureaus. I had a credit score over 800, which required serious commitment and diligence on my part. There was more than sufficient funds in my checking account to cover the payments due and I am available all day to respond to texts and phone calls if there are any issues. 
XXXX XXXX justified destroying my credit score based their lack of communication with me regarding the status of my account. It's inexcusable.

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