BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On 6 of my student loan accounts the bureaus are reporting inaccurate information .The credit bureauIs are reporting that I was 90 days late in XXXX of 2019 ( TransUnion and experience ) and XX/XX/2019 equidad. however at no point did they report I was 30 days late or 60 days late the months prior. I have wrote them several letters and they refuse to fix the issue. I am asking for this to be deleted immediately

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 2020-04-29
Company: EQUIFAX, INC.
State: CA
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 is a are inquiry that I didnt consent to and its only in my equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
My home equity loan was effective XX/XX/XXXX for {$120000.00} with a 12 % 30 year fixed interest rate with a maturity date of XXXX/XXXX/XXXX. The monthly payment was {$1300.00}. On XX/XX/XXXX, I requested Chase to combine my first and second mortgages for one payment. Chase said NO ; but would allow me, though I was not in financial trouble, to participate in its modification program and reduce the interest rate on my equity loan a few percentage points to 10.87 % with a maturity date of XXXX/XXXX/XXXX or 47 years. This resulted in a {$170.00} monthly savings. After closely reviewing my most recent Statement and doing some math, I was faced with a horrible truth ; that is, from XX/XX/XXXX to date only an average of about {$38.00} a month has been applied to the principal of the loan and the balance applied to interest. I learned that since XX/XX/XXXX, I have paid Chase approximately {$350000.00} in interest and only {$3100.00} has been applied to the principal. I thought this must be some kind of inadvertent mistake because I would NEVER EVER agree to such an insane arrangement. This feature of the loan was not pointed out to me or discussed before I signed the Agreement. I did some research to try to understand what had happened to me and learned that Chase had taken advantage of an XXXX XXXX Senior female by imposing on me a " Daily Simple Interest Loan. '' Simply put, interest is charged everyday rather than monthly as I believed. 

I feel so violated and offended that I sought to do business with what I thought was a reputable financial institution that turned out to be a predator of Senior Citizens. It is for these reasons I file this complaint with your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Lending Club in XXXX. In the last 6 months I have struggled to make the payments and started working with a debt management company to help settle the debt. The debt management company took my payments but did not settle the debt and a a result, Lending Club charged off the loan. I filed a complaint against the debt management company with CFPB in XX/XX/XXXX. I have since reached out to Lending Club and asked that they reopen my file and help set up an affordable repayment plan. I called Lending Club twice and emailed. They are refusing to work with me as a customer. They will not return my correspondence. 

I want to pay off this debt in affordable payment plan and I want the " Charge off '' notation removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US 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 2018-11-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an advance checking account with HSBC online on XX/XX/062018 for the welcome award they declared to all the advance checking accounts opened by XX/XX/2018. The requirements were to keep a balance of {$10000.00} for 90 days from within 30 days from the opening day. My account balance on the account as of XX/XX/2018 was {$10000.00}. HSBC was supposed to deposit {$350.00} into my account after 90 days from XX/XX/2018 and another eight weeks. I called HSBC customer service in XXXX just to make sure that the account has met the online requirements in opening such an advance checking account and the customer service representative assured me that every thing looked good and I can expect the award money into my account after the specifined days ie. 90 days plus eight weeks. When I didn't see the {$350.00} not deposited into my account even on XX/XX/2018, I called HSBC. The representative told me that It was not opened properly and I told her that I called in XXXX third week and got assured that it was done correctly. However she said that she will escalate the complaint and somebody from HSBC will call me. Nobody called and make several calls after that. Repeatedly I asked them why don't they email me about the process. Nothing. I withdraw {$10000.00} from the account because it doesn't earn any interest sitting there. When I called on XX/XX/2018 to request to close the account, the representative told me to keep the account as the complaint is escalated and they are looking into it. I asked her as I had met all the eligibilities and they know my address once it is approved why can't they mail me the check. She said that they don't do that! 
So I kept the account with a balance of {$100.00} from XX/XX/XXXX. Last week somebody called me to tell me that the account has to be in good standing to avoid the monthly charges. I am at a loss to understand why they are taking this much time to deposit the {$350.00}. Today, XX/XX/2018, again I called them and found that already a fee of {$25.00} had been charged to my account as monthly fee because it didn't meet all the requirements for an advance checking account. She told me that four weeks from XX/XX/2018 {$350.00} will be deposited into my account. Because of all the things happened, I have to wait and see whether that will happen or they come up with some other excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX XXXX on XXXX. Together with the vehicle lease I also purchased the XXXX XXXX and the XXXX XXXX XXXX plan. However, on XXXX I decided that the XXXX XXXX XXXX plan was not a good plan for me and decided to cancel. I went to XXXX XXXX and officially cancelled the plan with the same financial person that sold me the car. I received the receipt of the cancellation and I was told that the refunded money {$1700.00} would be applied to my account in about XXXX weeks. 
Since then, I have contacted both XXXX XXXX and XXXX XXXX periodically after XXXX weeks had passed to get a status updated and I always received the same response : it is getting processed. 
Well, it has been XXXX weeks now since I cancelled the plan and to this date, the total amount {$1700.00} has not been applied to my account. 
I 'm extremely disappointed with XXXX and the way this issue is being handled. If it was the opposite, with me not paying the monthly payment, they would have already charged me exorbitant late fees as well as potentially taken the car from me by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2019-06-24
Company: HYUNDAI CAPITAL AMERICA
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:
Through out the duration of my loan I made two payments, one approximately on the XXXX and one on the XXXX. In XX/XX/XXXX I began receiving calls from Hyundai Capital America stating that they had not received any of my payments. I explained to them on serveral occasions that I submitted payments. I also requested they document our conversations. In XX/XX/XXXX I noticed they began reporting late payments which was inaccurate. I called them and advised them and still no resolution. I faxed proof of payments and still no resolution. I then reported a discrepancy with the credit bureaus and they declined responsibility after I submitted proof from my back. I called them to question the dispute and they stated they have a section called care team that dealt with the disputes but I was not able to speak to them regarding my dispute. They failed to assume responsibility and have impacted my credit after I have tried to contact them via fax and submitted the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BB & T allowed a fraudulent checking/savings account to be opened up in my name. About 3 months the fraud was identified and the account has been blocked from additional activity. 

I keep getting notifications that the account is overdrawn. Ive called both a local branch and the BB & T fraud dept about closing out the account and disassociating me from it. Apparently, no action has been because I just received another notification threatening to report this to XXXX if I dont pay the overdrawn balance.

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 2018-11-14
Company: BB&T CORPORATION
State: WI
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:
On XX/XX/XXXX I submitted a written letter to XXXX XXXX XXXX   asking them to investigate an unauthorized hard credit inquiry that is on my personal credit file. On my credit file, it has 'XXXX XXXX XXXX   ' listed as a hard inquiry made on XX/XX/XXXX on my XXXX   and XXXX Reports. In my letter to XXXX XXXX XXXX, I vehemently stated that this inquiry was unauthorized and they did not have my permission to access my credit profile. At that time, I asked them to investigate and submit to me any documentation they may have displaying my authorization, or contact both credit bureaus to remove this inquiry.

On XX/XX/XXXX I received a letter via mail from XXXX XXXX denying my request to investigate this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: NE
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:
Experian and Nebraska child has on my report as a charge off I child support was paid in full you can't charge off child support Experian saying they don't see it but its right there and I was denied credit because of it the charge off just showed up in last three months you can't charge off child support it was paid in full but they are reporting it as a charge off but also paid in full

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 2018-11-14
Company: STERLING JEWELERS, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX XXXX XXXXXXXX has a charge off on my credit report for {$89.00} I have disputed this account many times and hasnt had a proper investigation. This is not my account and has hurt my ability to obtain credit for this inaccurate reporting. 
I believe this account is also reported wrong on all three bureaus Why on each bureau theyre are different high credit and credit limit? Also it shows different days that this account was opened. There is missing information on this account from each bureau and under the FCRA everything furnished should be 100 % accurate and completeness. This should be promptly removed as it is in violation of FCRA laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Inquired about opening a checking account with XXXX XXXX, went in person to the closest branch to me, XXXX, CT branch, officially opened a Simple Account XX/XX/2018, account # XXXX. Communicated with XXXX XXXX, Financial Services Representative, over the phone, re : online transactions, cleared checks info, etc. learning this banks processes. On XX/XX/2018, received a call from someone from TD, did not obtain this persons name, advising me TD has  closed my checking account, effective in 30 days. TD would send me closing check. Information regarding this account was provided to me incrementally, their way of blindsiding a new customer, such a typical agenda with all these banks. DECEPTIVE practices, Federal Bureaus terminology. Will follow up to get a confirmation that this, in fact, is TRUE, and not FRAUD, etc. I informed this XXXX that TD would be on a 1-3 month trial with me, having mega issues with banks these days. They want to be assured that their customer will go into debt, taking out loans, collections, messing with senior citizens accounts. Same scenario across the board with all these banks. Frankly would NOT trust or have CONFIDENCE in any of their representatives with any of their advice. Pretty XXXX how these banks function. Add this to my file with CFPB. These banks want to have CONTROL of the customers money and can MESS with their accounts, so apparent with XXXX XXXX, now in a {$140.00} million class action case, particularly preying on SENIOR CITIZENS. Many of these employees, if they are employees, are busy, nosy busy bodies, maybe a snitch for someone or XXXX knows what, not a comfortable relationship when doing banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make these charges. Please delete these items to improve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: AMERICAN HONDA FINANCE CORP
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 went to XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ) on XX/XX/XXXX to inquire about a new car purchase and returning my lease. I spent quite some time with a gentleman named XXXX XXXX in sales. He showed me a purchase order and eventually I was escorted to the Finance office to discuss prices. When speaking to the finance coordinator, XXXX XXXX XXXX, we discussed possible different finance options but were just playing with numbers as I had not agreed on the price of the car. I specifically told him not to run my credit, since I saw on his computer that he had pulled up all my information from a prior vehicle purchase. He held up his hands and said " I haven't done anything yet, not until you tell me. '' In the end, I did not like the deal they were offering so I left. I recieved an email notification from XXXX XXXX that there was a new hard Inquiry on my credit report. They used my SSN on file to run my credit prior to even telling me! I did not authorize it. I returned again to the dealership today XX/XX/XXXX to complain. When I spoke again to the finance gentleman, XXXX XXXX XXXX, I reminded him that I had said NOT to run my credit when I was in the office with him, and he admitted that he had ran my credit using the SSN on file PRIOR to my even walking into the office, while I was still with the sales consultant, XXXX. I told him I never authorized him to do so, and that I had not even been sure I wanted to purchase a car. I even went on remind him that yesterday I had said " Don't pull my credit yet! '' and at that time he denied having pulled it. He simply apologized and said it " must have been a misunderstanding. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: NELSON AND KENNARD
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because XXXX XXXX   refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and XXXX XXXX  as well as their respective lawyers trying to collect this debt are aware of all of the facts. If XXXX XXXX  ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that XXXX XXXX  can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX XXXX, XXXX  of Massachusetts, Probate and Family Court Department. XXXX XXXX  continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
As you probably already know Transunion signs people up for a credit monitoring service. They get you to give them your credit card # under the pretense of getting a free credit score when in fact they are signing you up for their worthless service. The web site hides this information in fine print and is a complete scam.

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