BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
On XX/XX/2023 at XXXX XXXX, I went to my local branch of Regions Bank to purchase {$1000.00} USD to the equivalent value in Chinese Yaun, or CNY. Upon requesting the purchase in the same language I just previously typed, the teller at the counter stated the funds would be there the following Monday the XXXX there would be a XXXX charge for doing so. I agreed to the fee. And she deducted the {$1000.00} from my checking account. Then stated the exchange rate would be {$6600.00}. I showed her on my phone that the current exchange rate at the exact time of purchase was XXXX. She said that's what their computer was saying. I stated it was incorrect, and that we could settle the difference when my money arrived. Upon receiving the Yaun requested thay handed me {$6600.00} CNY. I asked about the difference from the KNOWN Rate. And she said that's all I'm getting back. I tried talking to the Bank manager, I tried talking to corporate headquarters, thet referred me back to the branch. When asked if it made any sense to purchase the equivalent of XXXX USD to CNY, and not receive it??? They said I was screwed. Then when I asked to sell them back the same {$6600.00} on XX/XX/XXXX when the actual exchange rate at the time was {$7200.00}, she offered me {$650.00}?! So the Bank is willing to steal {$350.00} from me! For my original {$1000.00}??!! I have tried everything I know to do. So I'm asking for your help. Thank you. XXXX 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 2019-07-01
Company: HYUNDAI CAPITAL AMERICA
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
End of Lease notice emailed on XX/XX/2019 showing amount owed. Check for {$460.00} cashed by Hyundai capital by electronic check on XX/XX/2019. The letter from XX/XX/2019 stated that the funds needed to be paid within 15 days. I received an additional notice that the account was not paid via text. I called back on XX/XX/2019 and explained the check had been cashed on XX/XX/2019 and they explained they posted the payment to the wrong account on XX/XX/2019. I said I did not want this to reflect poorly on my credit since it was the company 's error. I was told they would get it reversed and show that it was paid on time. This did not happen and my credit report is showing a delinquency that is paid. I want this removed as it was not my error and was paid in a timely fashion. On XX/XX/2019 I spoke with XXXX XXXX, Senior Customer Service Manager and he explained that all the notes reflect what I have stated in this complaint and that they are not able to do anything at the customer service level since they are not credit report experts. I explained that I wanted them to reverse their error so the credit report would be updated and I was told they are only able to file an investigation to see what is already in their system as a company error. I was told this can take up to 30 days and they would not send me anything in writing that I would have to call back to check on the status or if I saw it was reversed on my credit that would be proof it was done. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: Ditech Financial LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been late with payments a few times but am current with my account. I paid Ditech on XX/XX/19 $XXXX. The funds have been taken out of my bank account but like so many other times never posted for days sometimes weeks. Ditech is stating on my credit report as of today that my account is 47 days past due and still not reflecting my last payment was XX/XX/XXXX Ditech has reported that my last payment was made on XX/XX/XXXX. This keeps happening and I am trying to refinance. I just learned Ditech has been submitting late payment notifications on my credit report, which is not allowing me to refinance.  I am not paying my XXXX payment until Ditech removes the 60 day past due notification from XX/XX/XXXX and both the 30 day past due notifications from XX/XX/XXXX and XX/XX/XXXX. They are reporting false information and I want ALL past due notifications removed. It is affecting my credit score and the ability for me to refinance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I am a victim of fraud and identity theft. ALL of the hard inquiries need to be removed from my TransUnion credit report. 

XXXX XXXX Location XXXX XXXX  XXXX XXXX, VA XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Requested On XX/XX/2022 Phone Phone number not available Inquiry Type Individual

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have no financial obligation to the accounts/companies. I requested a description of the procedure used to determine the accuracy and completeness of the information reported but credit bureaus only provided a computer generated print out which is unacceptable by the FTC.. An itemized printout does not represent verification..Remove the accounts asap.. XXXX XXXX XXXX ( Original Creditor : 10 XXXX ) XXXX, XXXX XXXX ( Original Creditor : 07 XXXX UNIVERSITY TUITION 2 ) 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 2020-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2020, I went to do food shopping at XXXX XXXX. I tried to purchase the food supplies by using the Chase debit card and realize the card was deactivated. I could not find a direct answer for the reason of the closure from the branch on that very same day. I was told by one of the bank representative to call " XXXX. It has been difficult for me to try to resolve this issue during the COVID-19 and I have health issues. I was severely stressed out when I called the number that was issued to me and waited for 45 minutes and a representative picked up the call was the problem. This individual I could not understand clearly because he was from XXXX with a severe accent. I could not get the answers when I ask " Why is my account closed? '' and " How can I pick up my remaining funds from this account that was restricted? ". The only thing I understood was the remaining funds will be sent through casher 's check by mail within 10 business days. I was furious because I needed to open up another bank account and still have responsibilities to pay other creditors. I had to use a different credit card to pay for the food groceries and it was raining that day. All this has placed myself to a health risk due to COVID-19. This XXXX was the number to call for disputes and it turned out this number is the issue. The Chase bank representative I spoke with had an attitude and said " You will never ever have an account with Chase again '' with a stern voice. I deposited this money with this Chase bank in trust and expected to receive it back the same way. Why did Chase just give me the money on the same day instead of mailing it by mail which takes more time. I know XXXX XXXX does not do that and XXXX  XXXX XXXX. 

So you can the frustration I am currently going through. I still do not have my money but I managed to open up a new account with XXXX  XXXX XXXX. My other concern is that I still have a final direct deposit from the Veteran 's Administration going directly to the restricted Chase account. I hope the bank do not decide to sent it through mail again. Once again, why can I receive it on the branch before the account go to a complete closure or I prefer if the direct deposits ( XXXX  and XXXX by from the Veteran 's Administration ) return to the VA since the changes has been made with them for myself to receive the future funds. Please look at this manner, it is completely unsatisfactory. I need the money to pay for rent, utilities, auto, insurances, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I SEEN THIS NEGATIVE ACCOUNT ON MY REPORT AND SENT LVNV FUNDING LLC A LETTER ON XXXX XXXX ABOUT THIS ALLEGED DEBT THEY SAY THAT I OWE OF XXXX $ .I HAVE ATTACHED MY LETTER TO THIS COMPLAINT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, INC.
State: TN
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 Complaint XXXX XXXX XXXX XXXX : {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX : {$780.00},, Bankruptcy : {$0.00}, XXXX XXXX XXXXXXXX : {$170.00}, XXXX : {$15000.00}, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/XXXX - XXXX  from XXXX  school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX  XXXX - received emails stating loans were 90 days delinquent and credit score dropped from XXXX to XXXX - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX  XX/XX/XXXX - began dispute with XXXX  XXXX Equifax and XXXX  credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with XXXX  and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - Equifax XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - XXXX  XXXX unable to login to system on multiple days and multiple attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: VT
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:
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 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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Complaint XXXX XXXX XXXX XXXX  : {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX : {$780.00},, Bankruptcy : {$0.00}, XXXX XXXX XXXXXXXX : {$170.00}, XXXX : {$15000.00}, has violated my rights. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: FC HoldCo LLC
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).

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 2022-10-03
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2019-08-28
Company: EQUIFAX, INC.
State: UT
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:
I filed Chapter XXXX Bankruptcy in XXXX, I just received my discharge on XX/XX/XXXX. XXXX XXXX XXXX obtained a default judgment on XX/XX/XXXX, which was included in my bankruptcy. As of today, XX/XX/XXXX, the judgment is still showing an open active balance. I've contacted XXXX XXXX XXXX  to request they update the status to report " discharged with bankruptcy '' or similar text, only to be told, " The judgment doesn't just go away just because my bankruptcy was discharged. '' " The judgment will remain as is for eight years. '' I asked what the status of the account was in their system. They said it is currently in " bankruptcy '' status. I asked what that meant. They said, it's not actively being collected on. I asked if they could send me a letter verifying that information. I was told, " that is not something that they provide. '' XXXX told me, the only way that they would send any update or notice is if I paid the judgment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions Inc.
State: SC
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:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have passed the initial thirty day mark, and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA, they are required to .... " Promptly delete all information which that can not be verified '', that I have disputed. Please resolve this matter as soon as possible. Thank you!

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 2022-12-07
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:
I am interested in disputing all incorrect information in my file with transunion. alot of information is incorrect and invalid. please update my account correctly.it is hendering me from moving forward and approvals.

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 2023-08-31
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Applied for Apple Card XXXX Goldman Sachs denied card on basis of late payments on XXXX credit report. I downloaded credit report and there are no late payments in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Exeter Finance Corp.
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been making my payments on time and have the bank statements to prove that the loan payments are being made and on time. It is an automatic with drawl payment from my account to them. The finance company is EXETER and XXXX XXXX where I bought my vehicle is the ones who got me financing through that company. I was greeted by a tow truck operator at home today as he let me get my personal belongings out of the vehicle because I was informed he was repossessing it for no payment. The tow truck operator informed me as well that half of his inpound lot is full of vehicles from this company for the same reasons of people making their payments and having proof yet their vehicles are being repossessed. The company told me when I called them that they would have to wait for the paper work from the towing company before they could update records and let me have my vehicle back even though I sent them my banking records showing them that the payments were made to them. 

This cant be right or legal to do to a customer. I have 4 kids and needing to get to the store and errands ran as well as to their perspective locations. And now here I sit as a single mother with no vehicle because I was trying to do the right thing and make payments on time. Please help so no-one else has to go through these same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX called repeatedly, 7 days a week, from XXXX XXXX - XXXX XXXX, they block their phone number. Ive received over 30 calls from them in one day. Ive had a voicemail from them left after calling from an anonymous number threatening me and telling me that myself or my attorney must contact them today or she would be forced to place action against me that would impact me directly. I feel threatened by the company. Her return phone she left on the voicemail is XXXX ext XXXX

Company response to consumer: Closed with non-monetary relief