BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
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: Account information incorrect

Complaint:
1. XXXX XXXX Bankruptcy 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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 non-monetary relief
Consumer complaint received 2020-05-03
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
First Hawaiian Bank charges a {$5.00} fee every month for online bill pay service. I have been charged this fee on XX/XX/20, but do not use this service. First Hawaiian Bank has charged me this fee last year for 11 months by withdrawing from my checking account, even though I have never utilized this service. The withdrawals were disputed and stopped for approximately four months. However, First Hawaiian Bank again began withdrawing for the same fee on XX/XX/20. Other individuals have also reported this same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted your department following my credit report purchase with XXXX on XX/XX/XXXX. Upon reviewing my report, I discovered persistently UNVERIFIABLE information in my personal profile, including INACCURATE, COLLECTIONS, and CHARGE OFF accounts, as well as inquiries. This is disheartening, considering my ongoing subscription with XXXX, monthly report acquisitions, and continuous disputes without tangible resolution. Despite my efforts, your team suggested writing a letter and attaching a copy of the identity theft report ( FTC report # : XXXX ). I want to emphasize my lack of transaction history with the listed accounts below. Thus, I seek your assistance in removing the charged off, inaccurate, and collection accounts and inquiries, along with rectifying the incorrect information in my personal profile. Enclosed in this request are copies of my Utility Bill, Drivers License, and SS ID for verification purposes. Kindly expedite the resolution of this matter. 
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 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 2022-12-28
Company: General Motors Financial Company, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Got loan with co-signer not signing or permission. I was mentally unstable senior citizen on a fixed income. Couldnt afford loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XX/XX/2023 When i was booking a flight on XXXX XXXX a promotion posed up for an Advantage Citi Card. If approved I would receive uo to a {$200.00} Statement Credt, as well as, XXXX miles in addition I would be able to check a first bag at no additional fees on domestic flights. 

I opted to apply for this offer, was approved, and a temporary number, expiration date, and, Security Code came up On the screen to use when booking my flights. In addition, I had received an email informing me I was approved. 

I returned to the booking flight, filled out the information, and, when I got to payment, I went back to the page with the card details, which, unfortunately had timed out by then, and the information was no longer available. I loged back onto the account, but, it would only show my other Citi card account, not the new one. I contacted Citi Customer Service, and was told that the number I was initially provided did not exist, and they could not help me. I asked to speak with a supervisor, but, the call went silent, although, it did still appear to be connected. 

I made another call to Citi Customer Service, and this time, it seemed that they could see I had been approved for a new account. I was asked for a code word that I had just provided during the application, and answered it correctly. I was put on hold several times, and they did not seem to be able to assist me. Once again, I asked to speak with a Supervisor. The Representative seemed reluctant to transfer me to a supervisor as i had to ask 4 times before being transferred. At the time I was transferred, I was placed on hold for10-15 minutes before being able to speak to aSupervisor. Once I spoke with the Supervisor ( Someone who identified themselves as XXXX XXXX, she determined that there was nothing that could be done, until I received my card in XXXX days. She did offer a {$100.00} statement credit for my inconvenience. Mentioned that was less than the {$200.00} credit promised, and, there was no accommodation for the promised miles, nor, the miles for the pending purchase. 

I spent almost 2 hours in my attempt to have this issue resolved, and it seems to me as I should be able to receive the {$200.00} statement credit, along with the miles.

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 2023-03-12
Company: Experian Information Solutions 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:
On XXXX XXXX XXXX I received a credit alerts from all three credit bureaus stating that I had a 30 day late on XXXX of my accounts. I notice that this particular account XXXX XXXX ( XXXX XXXX ). Ive never been late on this account and it shows as an open account when this particular was closed on XXXX XXXX. How can I have a 30 day late on a closed account??? After the closing date. Doesnt make sense. I suspect that the credit bureaus are overlooking and missing and posting inaccurate information on my credit file to harm me deliberately.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-03-12
Company: EQUIFAX, INC.
State: SC
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:
I was approved for the Biden student loan discharge. I have the email verification issued involving the loan discharge approval. I request that the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/26, I sent a letter to the credit companies and ask them to verify that the accounts that I listed are correct and need them to send documentation of how these account were verified. It has been 30 days seen I sent that letter and still have not received anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: HYUNDAI CAPITAL AMERICA
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Discovered the lender, XXXX XXXX XXXX, have been charging me a higher late fee than they were supposed to. I asked the lender about the excessive charge for a late payment and the asnwer that was provided was, they have a clause that allows them to charge up to 10 % of the monthly payment amount for late charges. However, for the state of Maryland, the late payment fees should not exceed {$20.00} for the states of Maryland, Kansas, Utah, and/or Louisiana. Ive attached supporting document. I have been charged {$49.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: General Motors Financial Company, Inc.
State: MI
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:
GM Financial has reported negative information regarding my credit score. I do not owe GM Financial anything. XXXX XXXX XXXX dealership does. I have no legal binding loan contract with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: EQUIFAX, INC.
State: MS
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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 opened an auto loan XX/XX/XXXX through USAA. I had always paid the loan on time and even was paying more than the amount that was due. I paid extra in XX/XX/XXXX which bumped the due date for my next payment to XX/XX/XXXX. USAA sent my auto loan to collections as a charge off in XX/XX/XXXX. They never notified me before sending the account to collections. USAA had even reported to the credit reporting agencies that I had never had any late payments and payment was current and up to date. I called USAA multiple times and spoke to them on the phone for many hours after finding out about the charge off. I was told by the USAA bankruptcy department that even though my account was current and not late, it had been charged off due to account inactivity and there was nothing they could due to correct the information. I paid off the account and now, over 2 years later, it is still showing up on my credit report as a charge off. I contacted them recently to try to resolve the issue again, but they responded that they have insufficient information to investigate the problem. I have screen shots and my checking account statements to support my information, but all my auto loan statements are mysteriously missing since XX/XX/XXXX and I have no access to them. I also have phone recordings of my conversations with the USAA bankruptcy department that can verify this information.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, XXXX, TansUnion, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).

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 2023-11-19
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit reporting 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  ( financial institution ), XXXX, XXXX, XXXX ( consumer reporting agencies ), individually and in XXXX have created, by way of unlawful actions, injury to me ( XXXX XXXX ). the aforementioned companies have, contrary to FCRA, continue to share personal non-public information without my consent, a blatant disregard to their responsibilities. I have the right to make sure my private information is not shared by reporting agencies. XXXX, XXXX, and XXXX are reporting agencies. XXXX XXXX XXXX XXXX is a financial institution. all having obligations " to protect the security of my nonpublic personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX, XXXX and all have not received my consent to share my information in any form. I hereby, expressly revoke any and all consent, implied or otherwise. XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. this account continues to be reported as an adverse item without my permission, which is against the law. XXXX, XXXX, and XXXX are not maintaining reasonable procedures to avoid violations of FCRA. as such, I exercise my right to opt out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: GA
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:
When I examined my credit report from the three major credit agencies, I was surprised to discover multiple errors. Despite my multiple attempts to resolve the matter with the original creditors and credit bureaus, they continue to provide inaccurate and unverifiable information. In addition, I did not agree to allow the disclosure of my private information. Information reporting affecting me as a consumer is NOT fair and equitable.According to 15 USC 1681, paragraph 602 I have a right to privacy, according to A.

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 2020-09-15
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX ; Experian and XXXX should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-11-27
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2022-03-22
Company: EQUIFAX, INC.
State: WA
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 filled a dispute with Equifax two days ago. There is a dental collection on my credit report that I never had or recognized. I am XXXX XXXX Military and I get all my dental care through the military so I never had care from this company. Equifax has verified this information within a day. I want to know how they verified this information so quick. I want this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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:
On XX/XX/XXXX, I contacted Experian regarding the following incorrect information on my credit report. However, to this date, I have not received any response from them. 

Firstly, the XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$8500.00} ) is being reported inaccurately. I disagree with the Balance amount of {$8500.00} as I recall it to be lower. I request you to remove the information regarding the Past Due amount since this account is closed and charged-off. As my credit score is affected by the changes applied to my accounts, I kindly request you to mark this account as disputed so that it does not impact my credit score. 

Secondly, the XXXX  account ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) was never late. Please remove the late payment entry from the account. 
Thirdly, the information presented on the account XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2500.00} ) is inaccurate. The original creditor for this account is XXXXXXXX XXXX XXXX not the one you have indicated. You have reported a higher balance of {$2500.00} than the amount I owe. I dispute this account and request a verification of the Date Opened and Date of First Delinquency. 

Lastly, the information presented on the account XXXX ( Date Opened : XX/XX/XXXXXXXX Balance : {$330.00} ) needs to be investigated. I know that the original creditor for this account is XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX. The balance amount of {$330.00} is inflated and inaccurate. I do not recognize this amount and believe that I owe a lower amount. Therefore, I dispute the entire account and insist that you verify the Date Opened and Date of First Delinquency.

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