BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CT
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:
I am a victim of the equifax cyber security breach. I believe equifax did not properly secure my data and therefore was complicit in the theft and unauthorized distribution of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.

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 2021-02-08
Company: PENNYMAC LOAN SERVICES, LLC.
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:
PENNYMAC LOAN SERVICE ***** Opened XX/XX/2014 Balance {$170000.00} As a consumer, I have legal rights that are given to me to safeguard me from misinformation being announced on my own credit report. By now I need to produce a final demand for inspection before I speak with my lawyer for advice on how to handle inaccurate and unverifiable issues that are continuing to be validated as valid. Be sure you provide me along with a copy of the contract fixed or voice dialogue where I authorized billing me from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Greetings, I am filing a complaint in regards to a faulty personal checking account suspension by HSBC, USA. 

On Friday, XX/XX/XXXX, my personal checking account was wrongfully suspended by HSBC for suspicious activity, preventing me from accessing funds or viewing my bank statements. As of Friday, XX/XX/XXXX, I have been unable access my personal funds or contact any member of HSBC 's account security department about unfreezing my account. 

I have reached out to HSBC 's costumer service multiple times over the phone ( often waiting on hold for multiple hours ), e-mail, and social media, but they have all been ineffective in putting me in contact with the correct department to resolve my issue. In all of my correspondence with HSBC costumer service, the bank has been hesitant to respond in writing via e-mail, Instead, opting to call over the phone, while offering no solution. 

I have likely identified what was the cause of the " suspicion '' -- a mobile check deposit that I have confirmed has cleared both banks -- but I am still unable to resolve my issue. 

This account freeze has forced me to move funds from investments to another checking account and may effect reimbursement for government travel. 

I have attached my e-mail correspondence with HSBC and will be happy to provide more details. 

My issue is very similar to the one described in the article linked below. 

https : XXXX? XXXX & XXXX & XXXX Thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Balance : {$10000.00} ; XXXX XXXX Balance : {$93.00}.

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 2022-09-04
Company: PulteGroup, Inc.
State: MD
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:
On XX/XX/XXXX, I received over 30 phone calls from mortgage lending companies. After talking with one of the solicitors, I discovered there was a hard pull on my credit and my information was shared broadly with mortgage lenders. 

On XX/XX/XXXX, I checked my credit report and discovered Pulte Mortgage pulled my credit. I emailed this company requesting who pulled my credit, for what purpose, and why I was not notified prior. 

A few days past and I got a response saying the company was performing an audit of me as a prior customer. When I asked for documentation supporting this claim, they changed the cause to something else and escalated my issue to their escalation team. To this day, Ive never received a notification from the escalation team. 

Around XX/XX/XXXX, I reached out to Pulte again but to their sales department. This prompted a phone call from their customer service department. After talking with their customer service department, I was told they had no idea who or why it was pulled and did not seem to care about my credit. 

I need help removing this. This is causing me XXXX  because rates continue to climb and this pull dropped my score making me further delay financing because my credit would be pulled again and I will pay more in interest.

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 2019-09-06
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Credit card with US Bank, Kroger Rewards World Mastercard, balance currently {$2100.00}. Have made payments regularly, no late payments to any creditor on my record. I had an introductory rate on part of the balance that expired last month. Received correspondence today raising interest rate from 20.99 % to 26.24 % effective XX/XX/XXXX. The reason given is high credit card balances and too many accounts. The card has been active approximately 2 years or so, I have not used it in many months, again, no late payments anywhere in my history. My telephone complaint was met with indifference.

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 2022-09-04
Company: Early Warning Services, LLC
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was contacted by a friend through XXXX and she asked to borrow money. I asked her a few questions to verify it was her and she answered correctly. I sent XXXX using my XXXX app but through Zelle to someone she needed to pay ( XXXX XXXX ) because apparently her account was frozen and she was dealing with it. Days later I found out her account had been hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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:
I tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had refinanced my home and paid off my mortgage with PNC mortgage on XX/XX/2019. I was unable to stop my bill pay, although I had forgotten to do that then. On XX/XX/2019 an automatic payment was sent to them in amount of {$700.00}. 
I called them to make them aware of the error. I was to.d that they did get the check, but that they had to hold it for 6 days. Why, I asked? It isnt yours to hold, and I dont owe you anything. I was told it was to make sure I had the funds to cover the check?. What? You plan to cash my check? I requested that they simply return the {$700.00} to my PNC checking account. There should be no waiting as the sending and receiving bank was the same bank! Just verify and return ... .click, click, done. For me a 10 day wait is detrimental. I am on a fixed income and this just screwed up my budget royally. 
I tried several times to stop payment but screen went gray n locked as soon as I hit thr stop auto pay button. So I just deleted them from my list of bills. 
Why did they need to keep my funds when they were drawn on their bank?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had a Discover card that has not had any activity before XX/XX/XXXX. A company sent me a court date for XX/XX/XXXX. I called them and told them that I only have social security and VA XXXX. They said not to worry about going to court or my money. They got a default judgment against me even though there is a 3 year statute for the last activity on the account. They sent me a letter in XX/XX/XXXX offering payment options and right after that, they sent letters saying they would seize my property. I went to the courthouse and copied my files. One of the papers said they got a judgment on XX/XX/XXXX. They never told me this. They seem very shady and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I signed up for a Chase Sapphire Preferred card on XX/XX/XXXX using a link directly on their website ( below ) : https : //creditcards.chase.comXXXX This offer was to include a waived annual fee for the first year, just as it currently shows on the site ( as of XX/XX/XXXX ) and just as it did when I signed up on XX/XX/XXXX. I even called a customer representative on XX/XX/XXXX at the same time as my signup to confirm that this offer had no fee ( as opposed to the XXXX free point offer, which did have a fee ), although Chase says there's no record of that discussion. 

On XX/XX/XXXX I noticed that the {$95.00} fee had posted to my account, which surprised me. I called and Emailed Chase several times and got the same response that the " promo code '' associated with my sign-up did not include a Waived fee, even though I'm 100 % positive that a waived fee was involved with the offer. They said there was nothing I could do without proof of the offer, and I was frankly quite surprised that they weren't willing to work with a new customer on this matter when the offer was clearly still being promoted on the site. 

The problem with this situation is I have no way of checking this promo code and didn't get any specific documentation about ANY part of the offer that I signed up for outside of what I found on the website initially. So I have no way to defend myself beyond my insistence that the fee should be waived because of what I saw when I signed up. I feel as though there was significant promotional deception with lack of proper communication or documentation about it. I am able to find this same XXXX free Point + waived fee offer ALL OVER Chase 's site and it's partner sites, and all appearances point to the fact that this offer has been available for months ( well before XX/XX/XXXX ). 

Chase has repeatedly insisted that " offers change all the time '' and that " it wasn't available when I signed up '' and that there's nothing they can do, and that just leaves me sitting hear feeling deceived and ripped off by a fee that I was completely uninformed about. Very frustrating customer experience to say the least, and one that feels like it would be easy to fix on their side.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: WA
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:
Victim of equifax security breach https : XXXX Trusted them with this information and they failed their duties as a company to protect my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
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: Account status incorrect

Complaint:
My student loans with XXXX have been paid in full. I spoke with XXXX on XX/XX/2023 and and XX/XX/2023 XXXX said they notified Transunion, XXXX and XXXX that these loans were paid in full on XX/XX/2023. XXXX stated they sent me a paid in full letter on XX/XX/2023 which I NEVER RECEVIED. I had spoke to Transunion, XXXX and XXXX all of them said that XXXX NEVER CONTACTED THEM STATING MY LOANS WERE PAID IN FULL. ATTACHED YOU WILL SEE WHAT XXXX SENT TO ME BY EMAIL. THEN I WAS TOLD ANOTHER PAID IN FULL LETTER WOULD BE SENT TO ME.

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 2023-08-02
Company: JPMORGAN CHASE & CO.
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
The issue is about the additional monthly lease charge made by J. P. Morgan Chase Bank ( hereinafter Chase ) on behalf of XXXX XXXX XXXX at the end of the Lease XXXX : XXXX of a XXXX XXXX XXXX WA, with XXXX : XXXX. 

The amount of {$310.00} was erroneously included in the Payoff for Lease Vehicle Purchase Letter issued by Chase on behalf of XXXX XXXX XXXX on XX/XX/XXXX for a total of {$15000.00}. At the time of issuance of the Payoff letter, all 36 monthly lease payments had been completed. This error led to the overpayment of {$310.00} when on XXXX XXXX, XXXX XXXX XXXX received the payoff check issued on my behalf by the XXXX XXXX XXXX XXXX for a total of {$15000.00}, for me to pay the purchase price of the above referenced vehicle. 

I've had numerous calls with Chase regarding this matter, and my final attempt to amicably resolve this issue was a letter dated XX/XX/XXXX that I sent through certified mail to XXXX XXXX XXXX, to which I enclosed the following documents : XXXX. Letter from the XXXX XXXX XXXX XXXX dated XX/XX/XXXX, with XXXX pages attached to it. This letter and its attachments serve to confirm that Check number XXXX for {$15000.00} was delivered to XXXX XXXX XXXX on XX/XX/XXXX, and was endorsed on the back by Chase Auto Finance on XX/XX/XXXX. 
XXXX A printout from my Lease account of the above referenced vehicle, which shows that on XXXX, XXXX XXXX XXXX XXXX applied as a XXXX monthly Lease payment the amount of {$310.00}, even though my Lease Agreement on the above referenced vehicle was for 36 monthly payments, and the Lease was agreed to end on XXXX. Since the XXXX payment was processed on XXXX, when XXXX XXXX XXXX issued the Payoff for Lease Vehicle Purchase Letter on XXXX, there was no monthly payment due. Additionally, as the Check issued by the XXXX XXXX XXXX XXXX to pay the purchase price of the vehicle was received by XXXX XXXX XXXX on XXXX, this is prior to the expiration of the Lease Agreement, there is no doubt that the payoff check for a total of {$15000.00}, included an overpayment of {$310.00}, which XXXX XXXX XXXX is obligated to refund. 

As I never got a response to my XX/XX/XXXX letter, on XX/XX/XXXX, I once again called Chase, and was told to go its branch in XXXX, MO, to fax tmy XX/XX/XXXX letter and supporting documents to their office, which I did on the same XX/XX/XXXX. 

To this day, XXXX XXXX XXXX has simply ignored my claim that they need to reimburse me the {$310.00}, as this is an additional monthly lease charge that I did not have to pay. 

I hope through the CFPB we can bring this issue to a final resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-08
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:
This is my 7th Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : XXXXXXXX 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 XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$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 2018-04-16
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief