BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I requested my free annual credit report from TransUnion and I have not received it. On XX/XX/XXXX, TransUnion sent a postcard stating that I already received my free annual report. I have never requested a hardcopy of my credit report from any credit reporting agency before XX/XX/XXXX, therefore, this information is false. The agency also provided no proof of this matter.

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 2022-08-31
Company: Navient Solutions, LLC.
State: MI
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:
accordance with the fair credit reporting act XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C. 1681 SECTION 602 States I have the right to privacy 15 USC 1681 Section 604a Section 2 it also States a consumer reporting agency can not famish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
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:
The short version is that Hyundai will not send my title info to the DMV in TN. They keep saying they are rejecting it becasue they don't have the address ( they never tell me it has been rejected, they just say to call back sometime to check on it ), but the address has very clearly been sent to them 4 times this month ( they have acknowledged receiving other information in these emails however ). You can not speak to a title agent, only some largely clueless regular phone agent who they have not properly equipped to address these issues. This is the kind of nonsense that XXXX keeps getting knocked for, not sure how or why they make this so hard. The internet it full of these stories and I truly hope Hyundai starts getting sued and fined for this. 
They sent an email detailing what they needed ; I copied it and replied with all of the information they requested.

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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 notified TransUnion XXXX of fraudulent credit inquiries that were added to my credit report on XX/XX/XXXX via certified XXXX mail. TransUnion did not send any response to my letter. I then sent a follow up letter on XX/XX/XXXX via certified XXXX mail letting them know that I did not authorize anyone employed by these companies to make any inquiry or view my credit report. TransUnion responded with a generic response and failed to address or provide any explanation or verification. 

On XX/XX/XXXX I was notified that their had been a glitch or breach of my personal credit file by TransUnion. The glitch occurred between XX/XX/XXXX andXX/XX/XXXX that caused all inquiries on my credit report to be deleted. TransUnion later added them all back onto my credit file without giving the legally required written notice 5 days prior to them being added to my credit report. 

On XX/XX/XXXX I contacted TransUnion via telephone at XXXX. I spoke with a representative XXXX XXXX @ XXXX CT. I reached out in good faith to ask that TransUnion delete the inquiries that were illegally re-added. The representative refused to address my concerns and stated that no such glitch occurred. 

These inquiries have brought hardship and difficulty to obtain credit. My rights have been violated by TransUnion and I am asking that the Consumer Financial Protection Bureau help stop my continued victimization. As documented, recorded, and explained, multiple violations have occurred by TransUnion. 

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 2022-03-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Experian credit report for the month of XX/XX/2021. I was not 30 days late XX/XX/2021. 

Please correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: PA
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:
Ive been monitoring my credit report for some time through MyFICO. I pay almost {$40.00} a month. Multiple times my score has went down due to the credit card company charging interests but failed every time to update when my balance went down. Therefore Ive come to the conclusion that these companies are doing this purposely. Im reporting them all for improper reporting. Ive never witnessed them report my payments correctly and I can literally see $ XXXX $ XXXX {$3000.00} huge payments reported as {$100.00} or {$200.00}. How is this legal at all. Ruining peoples credit purposely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, I was previously a victim of theft a few years back due to the misplacement of my wallet with all of my private information inside, in florida around the holiday season. Back then in that time I went through an entire XXXX, worrying if someone would commit crimes using my identity, or do something that they have no business doing. It caused my XXXX XXXX XXXX out because of the amount of stress I was under. If you've dealt with this before you would know and understand the amount of strain it puts on you. Since then, I have made sure to carry a cross over which allows me to know where my stuff is at all times. Anyway, I noticed things on my credit file back then like I have noticed now, that is in correlation with florida 's incident which brings me to why I am writing today. I am needing to delete this stuff off my credit. I am a victim of identity theft and am asking for the items to be deleted to correct my file. I am overly exhausted with dealing with this and need this to be removed. I also already reported it to the Federal trade commision, not sure how important it was but I just did it to be proactive rather than reactive.

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 2022-03-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
This is what I wrote to Chase Bank. I have called the local branch in XXXX at least 30 times over a two week period, and I only get their answering machine. 

On XX/XX/2022, Chase Bank XXXX ( Branch XXXX, XXXX  and XXXX ) made a wire transfer for me. I asked that {$20000.00} be transferred from my account to a XXXX XXXX. The young man who arranged the transfer was XXXX XXXX. He prepared the documents, asked me to review them and I did. I then signed the documents. What I didn't notice was that Chase had converted my {$20000.00} USD to XXXX dollars ( XXXX  ) BEFORE the transfer. I did not want my USD converted to XXXX. Chase used an exchange rate of XXXX. The published exchange rate for that date, from many different sources, was XXXX. This caused me a loss of {$780.00} dollars!! Why was I not informed by your employee that not only had they converted my USD to XXXX, but that it would cost me {$780.00} USD?? Is this how Chase takes care of its customers? So now I have paid a {$50.00} wire transfer fee, and an additional {$780.00} for a {$20000.00} transfer. I'm sure they will say, " Well you signed the document. '' Maybe so. But I should have been VERBALLY INFORMED about the details of the transfer, and how much their exchange rate was going to cost me, to make sure there was no misunderstanding. They did not do that. 

A significant question - from where do theyu get their exchange rates? Is the terrible rate they gave me just another way Chase takes money from its clients?? What is their justification for that pathetically bad rate they gave me? They say that they have no control over currency exchange rates. If that is true, something is wrong with their system. The rate they used was nowhere near the published rate for that day. 

The overcharge should immediately be refunded to my account. 

I hope I have made a mistake in my understanding of the situation. But my understanding is that I have been robbed of {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
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: Account information incorrect

Complaint:
Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Transunion credit report for the month of XXXX and XX/XX/2021. I was not 30 days late XXXX or XX/XX/2021. Please correct.

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 2020-07-28
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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: IL
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 numerous complaints to Equifax regarding the validation of these accounts and received no reply. Equifax has responded to my CFPB complaint stating that they will investigate within 60 days. The FCRA requires that credit reporting agencies and furnishers, like creditors, investigate disputes within 30 days of receipt of the consumer 's dispute. Equifax has had over 60 days to investigate and is now in violation of the FCRA. The accounts are to be deleted immediately or litigation will be my next course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On around XX/XX/XXXX I was working through The Ohio State extension for XXXX XXXX XXXX, XXXX XXXX XXXX was ( is ) my mortgage provider. I sent chase documents after documents for a year..Finally I got awhole of XXXX XXXX XXXX out of XXXX Oh.Around XX/XX/XXXX, I was able to work thru them to help me with my mortgage. they brought my mortgage current, and payed the taxes XX/XX/XXXX.I payed off Chase Bank in XX/XX/XXXX. never heard anything more until around XX/XX/XXXX. Chase said I owed them {$1.00} cents when I checked one person said it was XXXX dollars. I had a lawer check into it. I sent him the paper work.while I was online again, all of my accounts but one would show up, which happen to be my mortgage.I could n't afford the lawyer so when I started checking for myself, I found out that around the same time XXXX XXXX XXXX payed my Taxes onXX/XX/XXXX chase payed my taxes onXX/XX/XXXX .was never notified by chase they payed. them. XX/XX/XXXX I contacted chase to se why my deed was n't sent to me. they put me on hold about 20 minutes and finally told me I owed them {$2700.00} I received statements that shows a balance of XXXX since I contacted them about the taxes after I talked to XXXX XXXX XXXX. now I get a statement showing that I owe them this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have tried to contact the original creditor but I'm not recieving any responses. The company is in negligence for not responding and is in violation

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 2022-01-05
Company: EQUIFAX, INC.
State: MO
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank called my house sunday XX/XX/XXXX at XXXX,XXXX,XXXX after being told several times not to call. They are calling over a {$25.00} late fee that was deducted causing my bill to be late they call more then 5 or 6 times daily they are harassing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-28
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company northwood asset management has repeatedly contacted me and other 3rd party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Account status incorrect

Complaint:
Account servicing on behalf of XXXX XXXX XXXX Bank was moved from XXXX XXXX  XXXX to XXXX XXXX XX/XX/2019. Despite a letter from XXXX XXXX to XXXX stating the account has been transferred and therefore closed, XXXX continues to report the account incorrectly in open status, affecting my credit report. 

I have spoken to multiple people at XXXX promising to resolve the issue over the course of the last year without resolution. Contacts include XXXX ( employee XXXX ), XXXX ( XXXX ) and XXXX ( XXXX ). My latest interaction with XXXX XXXX XXXX ) was to send documentation of the issue from the credit bureau and two letters from XXXX XXXX clarifying the issue and the transfer to XXXX, these items are attached. I have emailed XXXX 3 times receiving no response despite his promise to respond immediate upon receipt of my emails.

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 2022-08-31
Company: JPMORGAN CHASE & CO.
State: NJ
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:
its a corporate account that is reporting on my personal credit and Im a victim of identity theft. the account is still under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Upgrade, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upgrade is incorrectly showing late payments during XXXX I have called 3 times to get this removed and have received no resolution. 

In addition, I reported this to a XXXX and its still effecting my score This error by Upgrade has cost me the ability to refinance my house and now I'm faced with higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
X/XX/2017 at around XXXX XXXX I made a deposit for {$320.00} into an ATM in the lobby of the XXXX XXXX US Bank. The ATM ate my card, check and did n't issue a receipt. I called immediately and they told me I would have to file a reg E dispute. I did this, and they denied my claim saying they needed a receipt. Which is inherently ridiculous when an ATM malfunctions. I want the bank to pay for a re-issue of the check or actually search for it.

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 2019-11-28
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2019, I submitted a payoff payment of {$11000.00} to Chase for a credit card. The full balance was paid. Months later, I check my credit report to see that they have sent notice of late payment to the Credit bureaus. I look into it and see that nearly a month after payoff ( XX/XX/2019 ), they charged {$18.00} in Purchase Interest. They neglected to inform me of this via mail because I had " paperless billing '' enabled, and the email account used to send notice was not monitored. As a result that fee snowballed into {$49.00}. On XX/XX/XXXX I attempted to contact Chase via their credit team to resolve the issue. I paid the balance of {$49.00} and requested they remove the late payment from my report. They refused to do so and claim it is not possible. I know this is not true, because I've seen elsewhere online that credit companies will often do this. My payment history with Chase has been 100 % on time for many years before this. This interest charge they assessed almost a full month after payoff has caused my credit score to drop over 100 points. I am desperate to have this removed from my credit as soon as possible.

Company response to consumer: Closed with explanation