BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: GA
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 don't have time to waste anymore! its been past 60 days that I've been waiting for the credit bureaus to remove the fraudulent and unauthorized accounts I submitted in a dispute on XX/XX/XXXX that never received a response. Also, submitted another dispute XX/XX/XXXX that hasn't received a response to as well. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft, i brought this to the attention of the credit bureaus more than once but it seem I'm being ignored. they have caused me tremendous hardship due to the fact their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the XXXX XXXX XXXX and the office of attorney general of Ga this week!!!. Ive been affect by the XXXX Equifax, and XXXX XXXX XXXX data breach. i explained this before I had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate these accounts. I do not validate these account. Therefore, the following accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : office of attorney general # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX 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 XXXX 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 non-monetary relief
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are numerous inquiries on my credit report that I did not authorize and i sent letters to Transunion plenty of times to have them removed but NO RESPONSE! letters were sent on XX/XX/XXXX  and XX/XX/

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 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 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into the main First Hawaiian Bank branch ( XXXX XXXX XXXX ) on XX/XX/2023 at about XXXX. I proceeded to speak with XXXX, a teller, and told her I wanted to open a bank account. I gave her my driver 's license, XXXX ATM card and waited. She took out {$20.00} from my XXXX account ( the minimum required to open a FHB account is {$20.00} ). 

She took me to the new accounts area and XXXX XXXX XXXX assisted me. 
She said she needed my driver 's license and Social Security XXXX. I said I didn't have my SSN card. I then told her that I had attempted to open an account online a few days ago, she said she would call XXXX, the FHB Direct manager. She didn't answer, so XXXX called and spoke to XXXX. 
She had me fill out an information form. Then she said there was some type of error on her screen. She went into the back for approximately 30 minutes. When she came back, she said she didn't know the nature of the error. She then called the IT department and they couldn't fix the problem. 

I asked to speak to the branch XXXX or the assistant branch manager ( XXXX XXXX or XXXX XXXX ). She said she would have to email them to see if they were available. She emailed someone and then send they were both unavailable. 

I said I had to go because I had other things to do. She said she would have XXXX call me by the end of the day. 

I don't understand why it is so hard to open up a personal checking account at First Hawaiian Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Unable to open an Business Account In the branch they tell me that I can not open business account because I have pending amount due but I do not have debts with TD Bank and if there is any debt it must be the product of an account opened fraudulently and the issuie and problems are at the branch in XXXX XXXX XXXX XXXX XXXX FL XXXX They don't want to attend to me and they decriminate me. I do not have negative situations in my consumer report from XXXX XXXX  with TD Bank The bankers of that branch are those that are harming me and discriminating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Investigation took more than 30 days

Complaint:
I have filed a dispute on my credit report, it has been well over 30 days and I haven't receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a dispute verbally on XX/XX/2023. The CSR said he would expedite the claim. 
I called Bank of America again on XX/XX/2023 and spoke with a male in the fraud department. 

He said it takes up to 45 days for an analyst to check on my dispute. 

This is unacceptable and I never got a written notice about the fraud department 's timeline. 

Therefore, I believe they are purposely dragging their feet, which is unethical ( maybe not illegal, but I will check that ). 

I will have counsel look more into this matter for possible legal action.

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 2019-10-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/19, I visited a branch to get help with my account which was being charged for multiple insurances fraudulently through insurance brokers. I worked with XXXX XXXX, who opened another checking account for me and moved my money from the compromised account. At the same branch visit ( XXXX 5/3 branch at XXXX XXXX XXXX XXXX, XXXX OH XXXX ), XXXX was supposed to be assisting me with adding my daughter as power of attorney for all of my accounts. We submitted the notarized documents and were assured that the info was added. However, almost a month later, my daughter is still not added and is unable to help me with my accounts without me there or on the phone. I am a XXXX year old retired XXXX XXXX veteran who is not at all tech savvy. I have been asking my daughter to help me because my account was repeatedly being overdrawn by these insurance companies who I couldn't reach to cancel my accounts because I don't have any of the policy info. Instead, we have been told that there is no fax number to submit the documents, but that I have to go in to the branch. I went to the branch twice today and was convinced to sign up for a loan rather than what I need help with. It has been brought to my attention that this is elder abuse. My daughter can not take off of work to go in to the branch with me everytime in order for my requests to be met. Also, it appears that even when she does, that this bank would rather continually tell me how they can't help me than actually even attempt to help me other than getting me to sign up for new products, which I'm sure is more in the bank 's interest than mine. I just want to be able to pay my bills and not be taken advantage of. Yes, I understand that we can go in to the branch or mail in the documents, but the situation has already not been rectified in almost a month. As a 2x XXXX XXXX survivor, what I really want to do is live out the rest of my life without this type of stress. I've been with this bank for several decades and I can now say that I would never ever recommend this bank to anyone. The person I spoke with this evening ( XXXX ), told me that he can not give his last name for privacy purposes and can only give his supervisor 's last name ( XXXX ) ... that is very interesting, considering that the branch employees give their full names. It sounds a fishy as the banking practices 5/3 uses and it also sounds like a convenient way for there to be no accountability. I'm trying to help myself, but obviously, I'm not important enough to receive help from a bank who has MY money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/24 I spoke with XXXX and then XXXX about disputing charges. I was unable to explain my disputes to XXXX because she kept cutting me off and jumping ahead. 

She did give me the address to mail my disputes in. I will mail a letter detailing my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called several months ago to request PMI be removed and was advised it would not be until 11 years. 

I looked today and noticed that your site indicates : " Automatic PMI termination Even if you dont ask your servicer to cancel PMI , your servicer still must automatically terminate PMI on the date when your principal balance is scheduled to reach 78 percent of the original value of your home. For your PMI to be cancelled on that date, you need to be current on your payments on the anticipated termination date. Otherwise, PMI will not be terminated until shortly after your payments are brought up to date. '' My principal has reached this threshold but I am still being charged PMI. I tried to contact my mtg company again and got this message : That my loan would not be eligible until 2025 ( the 11 years again )

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Filed a report with the XXXX  and the company responded that they cant find an account with my information provided. Which included my name and address so once again.. In accordance with the Fair Credit Reporting act Creditors Bureau Associates, Transunion and 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.

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 2023-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Called today at XXXX XXXX to find out the status of my dispute concerning XXXX. I spoke to XXXX in the XXXX XXXX Credit Card Dispute department. I asked her why I wasn't given full credit when I initially made my claim ( on XX/XX/2023 ). Her answer was nonsensical. 

I asked to speak to a manager. She said she had XXXX on the line. Then I did not hear anything and repeatedly said " XXXX? '' and " XXXX? '' Then I hung up.

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 2020-09-26
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:
I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XX/XX/2020. XXXX granted the XXXX plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!

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 2023-06-30
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-04-07
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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:
I opened a credit card with XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. All payments were paid as agreed every month except for XX/XX/XXXX. This was due to a medical emergency that I experienced that put me in the hospital for XXXX and a half weeks. I was unable to make arrangements with XXXX XXXXXXXX XXXX due to my hospitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
discover financial services is reporting wrong information. 
i told them i do not own any credit card from them. 
they refused and kept on reporting on the credit card they took me to court and the case was dismissed they reported me to tax authorities which was wrong. 
i want them to delete wrong information they are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account with XXXX XXXX XXXX XX/XX/2023. He said I can open an online account. 
I went online and could not open an account because I did not get my account number. I have never received paperwork concerning my bank account ( I did receive my debit card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my 8th 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 XXXXXXXX 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 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