BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-07
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2016 30 days overdue that is actually stated on my credit report does seem inaccurate and or confusing. I would like the XXXX XXXX XXXX furnish data that the particular claimed account was in fact delayed so you have the essential guidelines so that you can suitably examine XXXX XXXX XXXX claims AND Take the time to present this data or even eliminate the negativity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
On XX/XX/2020 I sent them all documentation about those unknown and inaccurate account but no response it was over 30 Days now. I was a victim of XXXX data breach. I want to delete all unknown and inaccurate account or I will file litigation.

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 2018-04-12
Company: Navient Solutions, LLC.
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:
My issue has been going on since XX/XX/2018. The call center reps at Navient have no idea what each other are doing. No information gets passed on and you're constantly having to retell your situation, only to be passed on to someone else and start over. No one there provides solutions to the problems and they NEVER follow up with you. It's ALWAYS been me having to chase them up. The only correspondence I've gotten from them are the incessant emails about my account being due for payment. I live overseas and have been paying my student loans on time, each month via my XXXX debit card that's linked to my foreign bank CHECKING account. As of the new year XXXX 2018 ) Navent has said that the Department of Education identifies foreign debit cards as credit cards, which they can not accept as payment. I've insisted that my debit card is in face a DEBIT card and not a credit card more times than I care to count. I don't even own a foreign credit card!! So one of there reps, XXXX XXXX ( a customer advocate, what a joke ) sends a generic email explaining that I need my overseas bank to certify my card as a debit card and to upload the letter as well as the first 6 digits of my debit card onto my Navient account. I got a letter describing EXACTLY what sort of card I have ( a XXXX XXXX linked only to my checking account ) with the bank 's official seal stamped on it AND a photo copy of my card. I rang a couple weeks later to see if anyone had began to action his and the rep had no idea what I was talking about. I've rang and emailed XXXX about 8 times in the last 6 weeks and have absolutely zero response back from her. In fact, I conveniently get her voicemail EVERY time I ring her. I am living overseas in another country, making every effort possible to make timely payments on my student loans and Navient has made this process so miserable I fee like giving up all together. No one is there to help. They're there to get their 8 hours of work in and leave. I'm so sick of having to be the one chasing them up and bending to their rules. I pride myself as being one of  the borrowers making a conscious effort to do right by my debt, but Navient has made it all but impossible. How am I meant to pay with my overseas debit card if Navient doesn't allow it? I hope the complaint gets received by the proper channels and authorities. The higher ups are lacking when it comes to procedures for overseas borrowers and how to help them make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Every month without fail I get a reminder to pay my bill. I have to explain every time that I am XXXX have no income except my husband 's and his paydays are on Fridays. Everyday I get an email, phone call and text about when will I pay my bill even before it's late. I tell them I will send as soon as I can then the threats start. I am pressured into payments that I can not afford cause they say I have to get it in asap. I recently told them my husband had changed jobs and we would be a little late then the rudeness and pressure began. I advised the lady to watch her tone with me but she was extremely rude and harsh. I have the emails and texts. Not to mention they have been contacting my husband along with me. Enough is enough. I have advised this lady to not contact me anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Social Finance, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I invited a friend to open a checking account to get a {$50.00} bonus for myself and {$50.00} to a friend that I referred. each bonus was not received for both of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Information belongs to someone else

Complaint:
THE ACCOUNT DISPUTED HAS BEEN PAID FOR IN FULL AND I WOULD LIKE IT TO BE REMOVED OFF MY CREDIT FILE, FOR IT HAS HINDER MY CHANCES OF ACQUIRING XXXX CREDIT.

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 2019-04-09
Company: Navient Solutions, LLC.
State: VA
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:
The student loan was cancelled by XXXX college in XXXX XXXX for non attendance due to student XXXX  XXXX with online classes. And has billed the student for the loan amount.

The college has returned the loan amount to the department of education for non attendance due to XXXX XXXX with online courses.

Navinet is reporting that loan debt on credit report which is inaccurate information due to the fact that the loan amount was return by the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XXXX XXXX, I contacted Chase XXXX XXXX customer service regarding the calculation of my minimum payment due. On XX/XX/2019, I transferred a balance of {$8500.00}. It was a XXXX percent balance transfer offer. I researched the minimum payment due calculation and per the cardmember agreement, the minimum payment is calculated at 1 % of the new balance, plus interest charges and fees ; therefore, I transferred this balance based on this information. I received my XX/XX/2019 statement. The balance was {$11000.00} and the minimum payment was {$560.00}. The minimum payment is definitely larger than the 1 % of the new balance plus interest and fees per my cardmember agreement. I tried to figure out how this calculation was made and I couldn't figure it out. I let it go for the month, figuring I was being charged the 1 % of the new balance, plus interest and fees ( the fees being the balance transfer fee of 4 % of {$8500.00}. I paid {$580.00} on XX/XX/2019. I thought from here on out, my minimum monthly payment should be approximately {$110.00} per month. I received my XX/XX/2019 statement. The balance is {$11000.00} and the minimum payment is {$560.00}. On XX/XX/2019, I contacted Chase XXXX XXXX customer service regarding the minimum payment calculation. I first spoke with XXXX. She stated that my minimum payment is being charged at 5 % plus interest and any fees. I told her that it should be 1 % and she told me that my cardmember agreement stated 5 %. I hung up and researched the cardmember agreement. I found it online and have saved it to my files. This agreement should not be any different than the one that I should be receiving in 10 days. Per the agreement found online, it is indeed, 1 % of new balance plus interest and fees. I called customer service back and spoke with XXXX, but was transferred to another person due to computer issues. I do not have this person 's name, as I could not understand her name. I explained to her that the cardmember agreement that is online states the 1 % of new balance plus interest and fees. She could not change it to the appropriate calculation per the agreement and said I would have to fax my agreement and jump through hoops. I told her that this was in violation of my agreement and that I would be contacting the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The complaint is in reference to my XXXXXXXX XXXX credit card I've had for over a decade. I have had several issues with receiving statements and letters in English versus XXXX so I can not read them. English is my primary language and I do not know XXXX. When I go into my account and change my preferred language, it will revert back to XXXX. 

On XX/XX/2022, {$71.00} was changed on my credit card and because there wasn't a balance due, the system wouldn't allow me to immediately pay for the purchase a couple of days afterwards so I waited until I've received monthly statement. 

The issue is I wasn't properly notified because all the monthly statements and letters were all in XXXX I was unable to read them. I was able to translate the last letter received from XXXX to English via XXXX site to understand the letter details and immediately paid the past due amount off. 

I've called XXXXXXXX XXXX earlier today ( XXXX on XX/XX/2022 ) and the agent, XXXX, was not helpful. He stated that the credit team was gone for the day, then said they did not come in due to a holiday, and refused to disclose their hours.

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 2019-03-19
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2019 I did a second mortgage search, Quicken Loans have paid ads in the search results that claim you can do a second mortgage with them. They have you fill out all the information acting like you are getting a second mortgage, pull your credit and then tell you they only have first mortgages. Then they have a high pressure sales person call you while you are still viewing the mortgage rates, wondering why there is no second mortgage rates. I have a 3.25 % first mortgage and wanted to redo the second mortgage which is at 7.25 %. " XXXX '' tried to pressure me into redoing my first mortgage which is not only completely unethical, but makes no financial sense and is completely not in my best interest. It is truly sad that these types of tactics can still exist after what occurred in the mortgage meltdown. He would not let me talk or ask questions and just tried to berate me into redoing my first mortgage. I had to raise my voice to get him to stop. I told him, " I was in the business for 10 years, it is not in my best interest to redo the first mortgage and I don't want to touch my first mortgage. Can you do a second mortgage or not? '' He said " No, good luck. '' and hung up on me. Complete bait and switch tactics as they are advertising a product they do not even offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX, FL XXXX XXXX Credit Bureau : TransUnion Credit Bureau : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made. 

I contacted TransUnion & XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into TransUnion & XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-10-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was scammed in XX/XX/2021 and reported it to USAA which charged off and closed one of my checking accounts and froze all of my other bank accounts, making it impossible for me to conduct any banking transactions. After being scammed, I was unemployed and desperately needed the COVID economic stimulus check which I was counting on to make ends meet until I could find another job. Unfortunately, my checking account frozen by USAA was the recipient of my COVID emergency relief stimulus check. USAA has refused to release the funds which are intended for emergency assistance to me and are keeping me from that money until I am able to pay off the other charged off account. Having my accounts frozen ruined my credit because I was unable to access my stimulus to make any payments. When I needed the stimulus the most I was refused the emergency assistance due to an unrelated charged off and closed account. I have tried repeatedly to resolve it this with USAA and they have refused to help me. Their response to the scam ruined my financial standing worse than the scam itself as freezing my accounts and withholding COVID emergency funds ruined my perfect credit history.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, INC.
State: NJ
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate theseitems within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigationdue to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the handsof the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I was having issues trying to make an international transfer through MoneyGram online services. After several attempts, the transaction finally went through taking the agreed sum of XXXX {$71.00} from my debit card. Without prior notice or security verification of any sort, I received an email from Money Gram that the transaction had been cancelled and I should wait 3-10 business days before the amount will be credited to my account. 

I contacted their customer service line who transferred me to the Online Department, which told me that it was as a result of security concerns. I enquired why such a drastic measure without any notification or request for verification or something. I was notified it was their policy and that was that. I then asked to be transferred to another level which was their Escalation Department. I spoke with a XXXX who could only give me the same information and could not escalate my call any further. 

The main issue I am having is that if there was a security concern, why not instead freeze the transaction and in the same way, send an email to say I need to call Money Gram to verify or why not put a verification system in place. It was very rude of them to ruin my business without any sorts of prior contact or anything. I had to make contact with them after receiving notice that the transaction had been cancelled. This is bad business practice ; they had no problems withdrawing the amount but now because of " laws '' as they notified, I am now left to suffer waiting another 3-10 days before I can put that money to use again. 

The only means by which to make a complaint as I was notified by XXXX from Money Gram 's Escalation Department is to leave a note on the " contact us '' page of their website and wait 48 hours to be contacted for a mishap I never did but is being severely punished for nonetheless. They had no real sense of urgency for the inconvenience it is causing. 

What recourse do I have as all I had really needed was for that amount to have been transferred today but Moneygram is instead stuck on procedures that does not benefit the needs of the consumer.

Company response to consumer: Closed with explanation