BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion has illegally re-aged the account with XXXX XXXX Child Support, The original first date of delinquency was XXXX this has been disputed in the past, and deleted multiple times because of it being past the statute of limitations with date of first delinquency XX/XX/XXXX, with it being re-inserted back onto my credit report, but this time Transunion has taken it upon themselves to place the item back onto my credit report, illegally tampering with my credit file deleting all history from XXXX XXXX XXXX to deceptively hide the date of first delinquency, illegally re-aging the account to make it appear recent so that they can continue to report it, Transunion had slipped up when they knew I had the original date of first delinquency, and would have caught on to their misdeeds i have called Transunion on.numerous occasions, disputing the inaccurate information, I have filed numerous complaints through the CFPB providing evidence of fowl play on TransUnion 's end, but Transunion continues to violate the fair credit reporting act, illegally re-aging debt. Transunion has ignored my disputes, and would close my disputes out in less then 30 days with the item still remaining on my credit report, Transunion continues to do nothing but state they updated information, updated this, updated that, but when I check my credit it still remains on there, those days of updating are over, TransUnion knows the account was to have been deleted a long time ago, transunion has chosen to.be willfully non-compliant in deleting the XXXX XXXX illegally re-aged account off my credit file. No more updates, I want to see action. The item is considered ( re-aged zombie debt ) and it's unfair, ita damaging to both me, and my credit.

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 2022-06-18
Company: Experian Information Solutions Inc.
State: IL
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 to the Fair Credit Report Act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

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 2018-10-21
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After losing my job in XXXX of this year, I was struggling to pay all my bills to include my car note. I was four payments behind, but on Wednesday, XX/XX/2018, the company received two car payments and a fee for an extension. I was informed by the company that the extension would allow two of the delinquent payments to be posted to the end of the loan. 

My car was repossessed on Saturday, XX/XX/2018, due to me not receiving the extension that was promised. 

I immediately contacted the company and was told that if I wanted the car returned, I would need to payoff the car loan in the amount of more than {$15000.00}. I asked for a manager and complained about paying monies for an extension that was not honored. 

I was then given the opportunity to pay {$2000.00}, to get the car back. 

The company is XXXX XXXX and the supervisors names are XXXX XXXX and XXXX XXXX. The phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Hatfield, Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wish to express my concern and formally raise a complaint about an inaccurate 30-day late payment report by HATFIELD INC DBA GRID. This incorrect reporting has adversely affected my credit score, and I am reaching out to the CFPB to help address and rectify this issue. 

Sequence of Events : XX/XX/XXXX : I initiated an account with HATFIELD INC DBA GRID, encompassing a XXXX XXXX  monthly subscription and a {$200.00} credit line. I received confirmation that auto-pay would be in effect immediately upon account setup. 

XX/XX/XXXX : To ensure clarity, I engaged with GRID 's support, who validated the activation of the auto-pay mechanism on my account. 

XX/XX/XXXX : Notably, while the auto-pay did cover the monthly subscription in XX/XX/XXXX, it neglected to address the due payment for the credit line. It is essential to note that this was the sole instance of non-payment over a 12-month period. GRID did not notify me or provide reasons for this omission. My bank records affirm the monthly subscription payment and show no debit attempts for the credit line. Despite available funds and GRID 's terms stipulating repeated payment attempts in case of initial failure, no such efforts were made on their part. 

XX/XX/XXXX : A subsequent review of my credit revealed a decline of 28 points, attributable to GRID 's 30-day late payment report a report which conflicts with the auto-pay assurances given by GRID. 

Impact and Expected Resolution : This incorrect report shifted my credit category from " Good '' to " Fair '', compromising my financial credibility and opportunities. Such misinformation is not only concerning but also jeopardizes my long-term financial stability.

In light of the above, I kindly request the CFPB to : Advocate for the removal of the incorrect 30-day late payment report on my credit file.
Encourage HATFIELD INC DBA GRID to assess and refine their auto-pay system, ensuring future reliability. 
Seek a formal written acknowledgment and apology from HATFIELD INC DBA GRID for the oversight and its potential implications.

I have attached pertinent documents, including interactions with GRID and the credit report indicating the error, for your consideration. 

Your efforts in aiding resolution and ensuring consumer rights remain safeguarded are greatly valued. I eagerly await a positive outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
When I reinvestigated my credit report, I realized that still, the same accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It isn't acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts and fix or correct it in my personal file : 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 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 2021-01-28
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My credit union ( America First ) has started offering a premium checking account for an additional {$6.00} per month. 

Rather than allowing customers to opt into the premium checking, they automatically put everyone into the premium checking and you have to call to opt out of the plan or get charged monthly. This is REALLY shady!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: GA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a XXXX Business Checking, Personal Checking, and Personal Savings accounts linked online. Last month I noticed all balances were zeroed and nearly {$13000.00} had been taken from all accounts, including business and both personal accounts, with the transactions being simply listed as XXXX. I contacted TD and asked what this was about and could I please get any paperwork or information regarding this XXXX for my lawyer and was informed there was no information included with the XXXX, and was told it came through with no information on who what when where or why, just instructions to levy the account, there is no documentation we can provide. My lawyer has made calls everywhere and nobody bows anything about any XXXX, and I have not received any calls, emails, letters, or any other notices from anyone about the levy whatsoever. Also, since the XXXX, I have deposited around {$1100.00} into the personal account, and the balance is there and the account is active but Im unable to pay any bills from it, use my card or even transfer money between accounts. How am I supposed to survive or pay my bills? This is unconscionable, please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-21
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2015 I changed phone service provider/carrier & service was terminated from this previous service carrier/provider. 
XX/XX/2015 This debt collection suddendly appeared on my credit report ( fictitious service for XX/XX/2015 ) without any contact or notification whatsoever from the company or debt collector at all of owing this debt..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America did not provide terms and conditions when my account classification change. They began charging me {$12.00} per month when my account dropped below the {$1500.00} balance for any day during the previous month. I was not told about this fee or the method of computation used to determine the fee. Therefore, the bank kept assessing the fee event though my average daily balance exceeded the {$1500.00} requirement. Additionally, I was not sent a terms and conditions disclosure related to this fee. 

Bank of america kept assessing this fee after my account reached {$1500.00} balance and indicated that the fee was for the previous month. My chief complaint is non disclosure, no cosistent method of assessing fees and how the fee policy keeps changing to their beneift. 

Fee method 1 - {$1500.00} average balance for the month 2 - {$1500.00} daily balance 3 - {$1500.00} balance the previous month Fee concerns 1 - {$12.00} assessed in the current month 2 - {$12.00} assessed for the previous month 3 - {$12.00} assessed based on your statement cycle date I feel that Bank of America 's fee policy is Unfair, Deceptive and quite XXXX  They are using the fee policy to their benefit without providing a consistent application method and process. Therefore, I would like to see a remedy through the CFPB. 

Note : This problem was reported to Bank of America on XX/XX/2021 at XXXX XXXX  CST. The representative failed to refund any fees.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you XXXX XXXX, or XXXX XXXX such authority. Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX XXXX, XXXX listed late payments 2. XXXX  XXXX, XX/XX/XXXX listed late payment

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 2022-12-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am tired of sending dispute letters to Experian requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XX/XX/2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Experian chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: U.S. BANCORP
State: IL
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 closed a US bank Cash+ Visa secured card on XX/XX/2022. I was told that I should get back my security deposit in the amount of {$1000.00} within 30days. Then I received a account closure confirmation letter from US Bank, showing the account would be fully closed on XX/XX/2022 and the security deposit will be issued. 
Also, I called again to US Bank to make sure this secured card is now fully closed and the security deposit check should be issued and delivered soon. 

However, as of today XX/XX/2022, I do still see negative balance on my US Bank secured card account, because I had return change deposited back to that card and the security deposit check has not been issued yet.

I dont understand why it should take so long EVEN AFTER it passed more than one billing cycle! Please give my security deposit back.

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 2023-09-28
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am tired of sending dispute letters to Equifax requesting that they DELETE this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up on my previous complaints and letters I submitted on XXXX XXXX, 2022, and to inform them that I am halfway through taking legal action and suing the Credit Bureaus for their willful non-compliance with the FCRA statute. It is improper to continue reporting this account as unverified information without creating proof within the time permissible bylaw. Only if Equifax chose to remove the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be DELETED is : XXXX CARD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I received a letter in the mail from Bank of Hawaii stating i need to pay back a dispute credit of XXXX dollars. When I called Bank of Hawaii the call center rep. The call rep said that they will follow up with the dispute department and give me a call back. The call rep said that the dispute center did not provide any reasoning as to why I need to pay back the money. The XXXX dollars was refunded to me 3-4 days after XX/XX/2022 and then today I got the letter from them. There was no reasoning in the letter and dispute center will not give me any reason either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-17
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX - I submitted pertinent data to correct my personal information on my credit reports to Experian and  XXXX  . This personal data included a government issued ID, bank statement with current addresses.
 XX/XX/XXXX - I received a letter from Experian and  XXXX  stating that I need to send the same information that was sent in  XX/XX/XXXX in addition to  XXXX  form and/or a copy of a birth certificate to verify my identification. To which I did n't comply.
 XX/XX/XXXX - I resubmitted the same information to Experian and  XXXX  and received the same response in via a letter in XX/XX/XXXX .
This has been an ongoing battle to with these   XXXX   credit bureaus to accurately update my personal information and no such luck.

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