BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: EQUIFAX, 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:
I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Balance : -.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the fair credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 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 2023-08-08
Company: Kubota North America Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been trying to figure out how my payments are applied to interest versus principle on my monthly loan and there doesn't seem to be any information available, and I believe that Kubota Credit is being intentionally obtuse or outright dishonest about their methods of computing it because they have been evading giving me any kind of answer at all to my very direct questions and request of assistance in figuring this out. 

I am trying to figure out what day of the month i need to make my payment to maximize the amount going to the principle instead of interest. There is no information available, it is not clear at all how the division of money is applied, and I have seen a huge difference in how much goes to interest versus principal depending on the day of the month. Unfortunately, there isn't any logic that I can discern based on previous payments that will allow me to see what day of the month will provide me with the best bang for my buck. I am unable to figure out whether or not I will be able to pay off my loan in the agreed amount of time because so much of my payment has gone to interest instead of principal and there doesn't seem to be any logical methodology that I can work with. 

I have called several times to try and get more information on the division of interest versus principle with my payments and have not been able to get a straight answer from customer service and have been told at least five times that a manager would call me and I have never heard back. I have even been told by one of their representatives that they wouldn't, not couldn't, tell me what day would allow the most of my payment to go towards principle, instead of interest. 

I have complained multiple times with their customer service, and asked to speak to a manager or to have my request for information about my loan brought to the attention of someone that can answer my questions, but I can't get any further than basic customer service. I have had them send me a copy of my contract to see if the information is in there about how they apply my payment towards principal versus interest and there is nothing in the contract.

I need some help getting Kubota Credit to be open and honest about their loan and its repayment terms and conditions. They have not been clear about this from the beginning, and I suspect I have lost hundreds of dollars that could have been applied differently if I was able to have the information about this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Nordstrom offered A {$60.00} CREDIT IF YOU WERE APPROVED, I WAS AND CHARGED SOMETHING ON THAT APPROVED CARD THE DAY YOU WERE APPROVED. 
I SPOKE TO XXXX FROM TDBANK AFTER TRYING TO DO THE EXACT OFFER ON A XXXX XXXX {$140.00} XXXX XXXX AND SHE SAID THAT I WAS NOT APPROVED BECAUSE 2 PEOPLE WERE USING MY SS NUMBER, I SAID LIKELY MY MARRIED NAME, XXXX AGREED BUT STILL DENIED THE OFFER OF {$60.00} CREDIT ON ORDER I HAVE XXXX XXXX. NO ONE ELSE IS USING MY SS #. XXXX LIED TO ME TO NOT GIVE ME THE {$60.00} CREDIT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX I was a passenger riding with an associate and a lady hit us in the back, by the time we arrived in Tennessee which is where we were headed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I went to the XXXX XXXX ( XXXX ) to get checked I did mention I was a victim but that I also had insurance because I was XXXX. Fast forward to a collection agency calling me in XXXX over a {$1000.00} bill so I am on XXXX so I start paying {$10.00} a month but Ive asked why my visit wasnt covered. A few days ago a collection agent told me that my XXXX bill was paid by charity so I still have yet to receive a debt validation letter or a letter for me to dispute this because its wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: PA
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 checked my consumer report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My consumer report lists the following issues/accounts as needing investigation and correction due to inaccurate reporting in my file. Ive sent letters including my FTC report to Equifax on XX/XX/XXXX tracking XXXX. Equifax refuse to investigate. I sent in a reinvestigation request and along with debt validation XX/XX/XXXX and XX/XX/XXXX tracking XXXX and XXXX Equifax still have not sent me any documents including my signature to verify these accounts. The account are listed below. Please send me proof of debt with my signature or remove these inaccurate accounts from my consumer report. Here are the accounts I need investigated and validated accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 Balance : {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: LA
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:
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-06-17
Company: FIRST HAWAIIAN, 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 information incorrect

Complaint:
I recently discovered a late payment entry on my credit report for my FHB auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from FHB regarding the missed payment.

Throughout my history with FHB, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from FHB alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with FHB. This isolated incident does not accurately reflect my commitment to meeting my financial obligations.

I genuinely value the relationship I have built with First Hawaiian Bank and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from FHB in evaluating my request.

Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that may be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX and XXXX of XXXX  were the worst months of my life. I lost my wallet while out shopping at a grocery store, XXXX XXXX located at XXXX XXXX XXXX XXXX ca XXXX. During my visit I somehow proceeded to leave my whole wallet. Inside the wallet included my physical XXXX  drivers license, my social security card, a copy of my birth certificate, my personal medical card, & XXXX XXXX XXXX XXXX I was not able to obtain back any of my personal information. Thus has caused me to be a victim of identity fraud, Ive had fraudsters try to open up more bank accounts in my name, unfortunately they were successful when opening a XXXX  XXXX XXXX XXXX  account On the date XXXX XXXX for a limit of {$3000.00}. The reported balance now is a complete total of {$3600.00}. I have absolutely no knowledge of this account and I believe that they arent finished just yet. My whole identity was stolen, this has been a constant burden on myself and my family, not knowing when my name will be used without my knowledge or permission isnt a way to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
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 filed identity theft report reference # XXXX and sent it with disbute letter to all bureaus of fraud that I seen, XXXX XXXX XXXX, XXXX. XXXX, child support accounts XXXX, XXXX, XXXX, XXXX. I sent to bureaus XXXX XXXX Ive been trying to contact them to no one telling me much of anything please help me dispute this fraud of my credit report

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 2023-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Hi CFPB customer service team, I am a victim of a fraud/scam. I accidentally use XXXX linked to my checking account to send out {$1000.00} this early morning XX/XX/2023 around XXXX. The recipient got my payment and refused to deliver the concert ticket as promised. I realized that it's a fraud/scam and immediately reported to my bank Wells Fargo this XXXX opening XXXX dispute cases # XXXX and # XXXX. Besides filing the dispute, I also urged the bank to request a chargeback and attempted to cancel the transaction as it showed pending status. However, the bank informed me that it will take up to 5-10 business days to get someone assigned and to investigate. I told them the process is too slow as it happened on the weekend night and the fund is possibly being drained by the recipient already. I am asking your assistance to urge Wells Fargo to look into this dispute case as soon as possible and work on the chargeback request and also attempt to cancel/reverse the transaction on my behalf so I can get my {$1000.00} back. 

The recipient uses XXXX ( XXXX XXXX XXXX as XXXX ID.

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 2019-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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 tried to pay my BoFa credit card with my XXXX account, through the bofa app. The app failed twice ( closed out while using it ) while i was making a payment so i received no confirmation of my 1st payment. I tried again, it closed again. I tried a 3rd time and it worked, i landed on the confirmation page. I looked at my dashboard and only saw the 3rd payment confirmed so I was all set. 

I went to the app 2 days later and saw that all 3 started processing. I called bofa twice over the weekend and wasn't able to get through. Both times, I was asked to use the 'schedule a call back ' feature where I put in my # to get a call back when I was up. Neither time I received a call and was never able to reach a person. 

I could not afford all 3 payments for over 1K to go through in my XXXX   account, so I had to call XXXX and put a stop payment in for both the first and second payment. They waived one stop payment fee, but not the other for {$30.00}. 

I called Bofa the following week to address the fee, escalated to a supervisor, and again to a supervisor to try and have the XXXX fee refunded as a credit. I was told no supervisor was available so I scheduled yet another call back. 24 hours later and I am yet to receive a call. The fee did not originate from BoFa so I understand the agents inability to refund. However, the fee is a direct result of a system failure in Bofa 's system ( both the app itself twice, and then again twice when I called and the call back feature never called me ) and I had to take matters into my own hands to not receive an overdraft.

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 monetary relief
Consumer complaint received 2023-06-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best to their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on-time as they should be as I was NEVER late. Thanks.

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 2023-03-25
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: Old information reappears or never goes away

Complaint:
Debt was transfered from one servicer to another and late payments due to deferment information not being sent to correct address because I moved to a different state still shows on new creditor

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This false reporting has caused me severe financial injury, defamation of character and mountains of stress. I can't get a new job. I can't apply for credit. My wife and I can't buy a new home. I'm XXXX and reduced to low level apartments. I feel systematically oppressed. I also was denied an EIDL grant & SBA loan. Please help me fix this credit crisis.

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