BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
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:
USAA, XXXX XXXX XXXX , XXXX, AZ XXXX ( XXXX ) XXXX was my employer. This was reported to manager and XXXX XXXX the legal counsel at USAA. 

My credit bureau report has been shared with XXXX plus employees. This began on or around XX/XX/2018. A supervisor shared my CBR with co-workers, XXXX XXXX and others. This was an infringement on my right to privacy. 

Some of the witnesses are : XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, x XXXX, XXXX & XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, XXXX XXXX ( XXXX ) XXXX, and many other that work at USAA. The attorney general has the witness information and is reluctant to file the charges against USAA. Please stand up for me and my privacy rights. Thank you. 

It also appears that this same company has now reported my history on another person 's cbr, namely, XXXX XXXX. She has sent letters to the CBR agencies to take my information off of her CBRs. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX, XXXX  and Experian allowed my identity thief to login into my credit and insert fake address, and a phone number. I have contacted them multiple times to remove the information. The identity thief got car insurance in my name, and applied for credit cards and business loans. He uses a fake email in my name to gain access and he has a fake drivers license in my name. I have asked the three credit companies to block him with his email address. I have sent disputes about the fraudulent address & phone number and they have done nothing!!! I put a freeze on the account alone with a fraud alert. I have disputed the hard inquiries. Im not able to get a free credit report online because the thief manipulated my information. Help make these companies be more responsible for everyone credit info. I have filed a police report too.

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 2021-10-25
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
hyundai finance trying to bill me for excise tax on XXXX for car returned in XXXX told them they were the only people that could get an abatement as they are the owner of the car took them 6 months to apply for the abatement and they have recd there mony but are still lying and messing up my credit i repeat they got paid they made my 36 month lease into reporting paid as agreed an extra 5 months and then 3 more months as late payments wrong so they commited fraud knowing they applied for the abatement and continued to charge off on my credit report and they got paid listen i returned the car to hyundai in XXXX of XXXX im not the owner in XXXX they got ther abatement now fix my credit or

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: BB&T CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently applied for a mortgage loan with BB & T bank and was connected with XXXX XXXX. I submitted my completed loan application on XX/XX/19. Both me and my realtor expressed the need to be expedient since the seller had already accepted my offer. XXXX rarely responded to any form of communication. She has not once called since the application was submitted. I emailed her several times asking for an update. I was finally able to reach her several days later when she confirmed that one of my documents came through blank. After asking repeatedly for updates regarding the process, she informs me on XX/XX/19 that there are dispute comments listed on my credit file. I immediately called all three bureaus and requested to have any dispute comments removed. I received confirmation that this was completed and forwarded them to Ms. XXXX. She insisted that the dispute comments are still on my file. I called all three bureaus again and received confirmation from each that they were in fact on the reports, but have been removed. I pulled my credit myself from each bureau to confirm that all the disputes had been removed. We were approaching our deadline to have the home inspection completed so I reached out for an update again to see where we were with the financing. Since Ms. XXXX did not respond to either me or my realtor, I called the bank directly and requested her manager 's number. Upon speaking to her manager, she immediately texted me and informed me that my loan was denied due to the disputes. I have provided everything Ms. XXXX has requested from me in order to process the loan within hours of her request. Regardless, she was very uncooperative. I believe that the loan was denied because I reached out to complain regarding the service. Due to her lack of professionalism, I will lose the opportunity to purchase this property. I would like someone at the bank contact me regarding the service I received. I also have copies of the text messages, credit reports, and unanswered emails that I would be more than happy to supply.

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 2019-06-27
Company: Experian Information Solutions 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:
Experian and XXXX  report XXXX XXXX XXXX   opened on XX/XX/XXXX and Closed XXXX. I strongly believe that this is an identity theft and I had no connection with above installment loan. I disputed inaccurate information with above companies ; however, I did not receive any satisfactory answer. The only information they have provided is to add a statement on my report. They did not provide information about how they verified the info, what are the sources.

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 2018-01-31
Company: Debt Recovery Solutions, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/2018 I discovered two items from XXXX XXXX XXXX XXXX that appears as Debt Recovery Soluti Account XXXX in the amounts of {$1200.00} and {$100.00} had been re-inserted into my credit file. I informed XXXX   that they are required to notify me within ( 5 ) days of re-inserting previously deleted items. I did not receive such notification. Please delete this item immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CURO Intermediate Holdings
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On about XX/XX/XXXX XXXX dba SpeedyCash agreed to receive payment of {$700.00} from XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX phone ( XXXX ) XXXX. 
On XX/XX/XXXX XXXX dba Speedy Cash ( almost 7 months later ) demanded payment of {$790.00} via e-mail. 
I called Customer Relations to find out why the demand is made directly to me rather than to contact XXXX XXXX XXXX. Customer Relations informed me there is no records of any agreement signed with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2021-10-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to resolve this for approx 1 year, I have missing pymnts that have not been applied to my acct. I have all my notes and dates and times when I have called them. I get NO WHERE.. put on hold and never get back to on many occasions. I have talked to research dept/ escalation's/ I have sent them bank stmnts and transmittals of the transmittals from XXXX XXXX  showing the pymnts and dates. Now I can not even make a paymnt to the acct for the past 2 months due to its on a hold with the issue. I need someone to get on this and get it resolved, this Loan service is a joke.. 

Please advice

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 2020-11-12
Company: Experian Information Solutions Inc.
State: NJ
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:
The creditor both failed to make any appropriate corrections to the account of the obligor as requited by 15 U.S.C. 1666 ( a ) ( 3 ) ( B ) ( i ) and failed to conduct a reasonable investigation of the billing error, within two complete billing cycles of the consumer after receipt of the billing error notice reported 09/15/20, as required by 15 U.S.C.

1666 ( a ) ( 3 ) ( B ) ( ii ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry from XXXX XXXX that I do not recognize or authorize from XXXX of 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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have express my concerns to the different credit bureau agencies that my name is reporting incorrect. I have asked them to delete this information. I have submitted proof of this matter. The credit bureaus agencies are violating the FCRA by adding inaccurate and false information o n my report, that has led to denied loans, and a bad history. these issue has prevent me to better opportunities.

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 2021-07-13
Company: HYUNDAI CAPITAL AMERICA
State: NY
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've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2020-11-09
Company: Chime Financial Inc
State: TX
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:
Woke up on XXXX Of XXXX to my phone beeping and it was Chime Bank with emails saying my account closed n been Hackedwhen SSI was deposited on XXXX XX/XX/2020, I immediately called customer service and we went through 3 Straight Weeks of calling day and night, 4 to 6 hours with different Technicians Giving Technicians Access Of My Phone Through Quick Support and Team View remote Apps, then was asked to purchase a Gift Card To Receive My Own Money, I Got Tried and Refused Access to my phone for my refund {$380.00}, that was in the account balance before closing, now I can't get help to get my account balance Refund

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hyundai Motor Finance XXXX has failed to provide me with the title to my vehicle after I exercised the purchase option under the lease. 

1. I exercised the lease buyout option in late XXXX, 2021, sending Hyundai the full amount of the buyout. I also mailed them the odometer statement at the same time. 

2. Hyundai acknowledged receipt of my payment and credited my account on XX/XX/2021. 

3. On XX/XX/2021 I called to inquire about the status of my title. Hyundai said they had not received the odometer statement, so I faxed it to them at the number they provided. 

4. On XX/XX/2021, I called to see if they had received the fax. Hyundai said they had not, so I faxed it again to the number they provided. They told me that the title department was " backed up. '' 5. On XX/XX/2021, I again called to inquire about the status of my title. Hyundai again told me they were waiting on the odometer statement. They suggested emailing it, which I did. 

6. Later on XX/XX/2021, I received an email back from the email address I had been given indicating that it was not the correct email address, but that they would forward it to the correct department. When I explained that this was the email address I was given, the reply I received said " I understand and apologize, the change is recent and was made so the lease buyout team can receive emails from external sources. The volume in the titles inbox was beginning to become unmanageable with items we have to forward to internal teams. Customer service is still adjusting to the change. Thank you for your understanding and patience. '' 7. I have followed up with calls every few days since. Hyundai still has not indicated that they have received or processed the odometer statement. 

8. Since I exercised my buyout right, I have moved out of the state where this vehicle was originally registered. I am unable to register or title the vehicle, as I am required to do by law, in my new state of residence without the title. 

9. Hyundai refuses to provide any assistance on this matter. On my calls to customer service they literally tell me " there is nothing we can do. '' I have sent the odometer statement to them four times, three different ways ( and verified receipt ).

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 2018-01-31
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: Was not notified of investigation status or results

Complaint:
I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any information.

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 2020-11-09
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Phone number : XXXX calls ( a XXXX number ) and says they are monitorning my credit and I can reduce my interest rates. Says they are chase bank, but I have no cards with chase, and chase should not be monitoring my credit. 

I am on national do not call registry so they should not be calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 2 payments were taken out of our checking acct. I only authorized 1 pymt. By phone since we hadn't received our mortgage statement for that month. I had to call the bank and pay XXXX to have payment stopped on one of the payments. Now they say it was a bad check ( which it was not ) and are charging me XXXX fee for it!!! My husband and I live on. Social security and raising XXXX grandchildren.We have had so much trouble with this mortgage company for the last 3 month. I called them today XX/XX/2020 and told them I wasn't paying the XXXX fee since I had to pay my bank XXXX to stop payment on one payment already. They told me I still had to pay the XXXX fee. I am outraged!!! Please help us. Money is really tight!!

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 2021-07-13
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2021, i sent letters to DESIGNED RECIEVABLE SOLUTIONS, INC about some alleged debts of {>= $1,000,000}, and XXXX that i don't owe nor have dealt with them. They are reporting these inaccurate tradelines on my report that is incorrect and damaging me from getting things. I am asking for assistance in this matter for them to send me the proper documentation that i requested on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 a formal request for an investigation of this account. There is a possibility that this information may be 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