BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-18
Company: United Consumers Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
i received a call on XX/XX/2019 around XXXX, and missed the call. I returned the call and questioned the call. the representative asked for my phone number to pull my file, and said she was calling for united consumers inc, I paused and she pressed that she was calling for a "medical file" reason. I questioned if she was calling from my hospital, and she pressed me for my date of birth to verify my information. I did not feel comfortable with this but she asked for my information again. Before she was able to get my additional information she never indicated she was a debt collector, or collecting information to pursue an alleged debt. After verifying my date of birth. She continued the conversation revealing she was calling to collect a debt alleged to be against me. I find that the way she started the call was deceptive and she should of revealed that she was attempting to collect on the onset of the call. I told her that I would like verification of the debt, and she argued that it was already sent, also she asked if I would be paying the alleged debt and i indicated i did not want to answer, so she said she would place in the file that I refused to pay which is incorrect. she asked for my confirmation of my employer for what I believe was an attempt to infer that she would let my employer know i have an alleged debt against me.in the end of it all i am disturbed at the way this was handled, she misrepresented herself at the onset of the call, asked for information before indicating it would be used in an attempt to collect an alleged debt, and spoke to me in an abusive manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: FIRST HAWAIIAN, INC.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I am so sick of this .... 
On XX/XX/2023 I initiated a {$120.00} payout XXXX XXXX that had a displayed processing date of no later than XX/XX/XXXX ( the next business day ), which means the funds would have typically posted to my bank account by the XXXX. Upon checking my survey.com account and email I can see that not only was the payout not processed by that time, but has also not been processed at all as of the XXXX, which means that, at the earliest, the payout won't be sent to my bank account until next Tuesday! Because I am very familiar with the timing of the payouts from this source I had a delayed emergency payment to another account scheduled to not post until just after this payout posted, but that is not what happened since I haven't received any funds as of yet on time for this payout. I also had a payment scheduled from another which posted to the account on time as it should have because they appropriately processed it in a timely manner. Both payments would have posted at the same time if it wasn't for XXXX mishandled this. 
This has caused my bank account to be overdrawn and a {$30.00} NSF fee will be assessed this weekend or on Monday the XXXX. I am absolutely livid and disgusted. I absolutely can not afford to pay this extra fee expense at this time because of this company not processing payouts in a timely manner. 
I understand that this is not FHB 's fault or a bank error, but the extra fast processing of the charge to my account on the XXXX instead of the XXXX is questionable. 
I am requesting reimbursement of the {$30.00} NSF fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX SENT A COLLECTION FOR AN AMOUNT THAT IS NOT OWED. THEY HAVE BEEN VIOLATING MY FCRA RIGHT FOR 2 YEARS AND REFUSE TO UPDATE THE CORRECT AMOUNT THAT IS TO BE PAID FOR A VISIT NOT COVERED BY INSURANCE. I CANT PAY ANYTHING TO THEM UNLESS IT IS UPDATED ON PAPER. THEY ALSO NEED TO RESCIND THE DEBT FROM KEYNOTE BECAUSE THAT DEBT IS NOT VALID NOT HAS IT BEEN VALIDATED. IVE TRIED CALLING XXXX SEVERAL TIMES REGARDING THIS ISSUE ALSO BELOW IS THIER REPLY TO A XXXX  COMPLAINT THAT WAS FILED. FIRST AND FOREMOST COVID -19 HAPPENED AND TO HAVE REMARKS LIKE THAT BELOW IS BEYOND DISQUISTING. I HAVE ASKED SEVERAL TIMES FOR PAPERWORK TO BE UPDATED WITH NEW AMOUNT OWED FOR VISIT THAT WAS NOT COVERED BY INSURANCE. IF THE SUBSCRIBER ON THE INSURANCE ASK TO SEE AN IN NETWORK DOCTOR WHY ON EARTH WOULD YOU ALLOW THEM TO SEE SOMEONE OUT OF NETWORK INCURRING UNFORSEEN BILLS. ALSO BEING THAT I ASKED FOR THIS PAPERWORK FOR OVER 2 YEARS AGO IS THE REASON WHY YOU HAVENT BEEN PAID CAUSING EVEN MORE HARD SHIP WITH A COLLECTION NOW. 




Again. This was sent to our collection attorney in XXXX. Had the patient came into the office and paid prior to now it could have been resolved and marked paid in collections and shown. An account that is over 90 days and a claim where an insurance company advised payment went to the patient and remained unpaid for months after is submitted to our collection attorney after a period of time where calls and statements are unanswered with payment. This account from XXXX  would never be removed from collection until a payment was received. This patient if a conversation was had at the time 2+years ago about pulling from collections it would certainly have had an expiration of a week or 2, not years. No services are provided for free and at no time is it acceptable to remain a bad debt after 2 years and a patient file a complaint about an alleged conversation from 2 years ago and make sense. Why wasn't the account paid 2 years ago? Why wasn't the complaint 2 years ago? This would be resolved had the account been paid. Our XXXX  office does due diligence for every patient to ensure we receive the correct information for our patients. We bill out the insurances set fees, not our standard fees for in network assumed services which she was billed in network services. Two of the visits XXXX XXXX, XXXX ) the first visit ( XXXX ) PATIENT was inactive but received payment from ins for both visits, the other visit the claim received payment. In XX/XX/2019, the account was sent to collections after 6 months of calls and statements. This accusation is again unwarranted and had the accuser paid her bill this would be over but she chose to ignore the situation for 2+years and now file a complaint with no basis.

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 2020-10-25
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I purchased a new computer from the Apple Store using the Apple Card by Goldman Sachs expecting to receive the heavily advertised 0 % financing offer. Instead the charge immediately began accruing interest. 

I contacted Apple Card support and they told me I could either return the computer ( which was needed ) and repurchase the item or have a manager fix it. I asked for the latter and received no response for several weeks. At that point I called again and was given the same options. Once again I selected the latter and once again received no response. 

I called a third time and when offered the two options decided to try option 1. After waiting on hold for over 30 minutes I was told that option was no longer possible due to the time that had passed. Back to option 2. This was 2 weeks ago and I have yet to receive a response.

I normally pay my bill in full every month and was assured that the interest charges would be reversed. I have now been charged in excess of {$100.00} in interest and have lost hope the issue will ever be resolved.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, I, ( XXXX XXXX ) placed an online investigation concerning an identity error on my credit report. All three reporting agencies stated that my alias name was XXXX XXXX. XXXX XXXX is my spouse of 39 years. I requested that this error be removed. My spouse and I have a freeze on our credit to prevent identity theft. 
On XX/XX/XXXX we tried to unfreeze our credit with all three agencies. XXXX and XXXX allowed the request. 
I had to place a call to Transunion because the request was not permitted and my account was locked. I explained to the Transunion rep the situation. He would not listen and continued to tell me the problem with the reporting error. The etiquette of the Transunion representative was unbelievable. I was told that I could not ask any questions and to basically shut up and listen. He stated that we would not be able to unfreeze our credit until the investigation was complete. He stated that he could not tell us how long it would take, and the call ended with his obnoxious behavior. We have not received an update from Transunion. We have a business proposition that is very important. Transunion has not given us an update on the status of my credit report and has continued to hold the account frozen after we have made the request to unfreeze the account.

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 2019-08-18
Company: EQUIFAX, INC.
State: UT
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:
Requested Equifax to NOT USE XXXX and they continue to use it and CONVERT MY DISPUTES TO NUMERICAL DIGITS WHICH allows accounts that should have been REMOVED to be CONTINUED TO BE VERIFIED. THE creditors are in receipt of FRAUD INVESTIGATIONS and are aware of the FRAUD. However Equifax is VERIFYING ACCOUNTS involved in FRAUD ACTIVITIES. XXXX eliminates 100% complete and accurate investigations. PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.

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 2022-04-28
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX try to take money from my account XXXX XXXX for the insurance of my vehicle I notify my Broker that I change insurance on XX/XX/XXXX change to XXXX. 
Time passed by and on XXXX my credit score drops XXXX points for a XXXX  XXXX, call them and told them what happened and they said pay XXXX dollars and then we process a refund and we are good. they process a refund just for XXXX claiming that some little fees but we are good, they reported on my credid account paid on XX/XX/XXXX, but didn't delete the account even after I show them I never owe them because I had insurance since XX/XX/XXXX and they try to collect money XX/XX/XXXX. 
Ive been calling and asking to get this account removed because I want to get a house and I cant get a conventional loan because of that negative account in my credit. I need help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: Diversified Consultants, Inc.
State: MD
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 have a collection account listed on my credit reports by a collection agency, Diversified Consultants, collecting on behalf of XXXX. Diversified Consultants is NOT licensed to collect in the state of Maryland and therefore I am disputing this collection account. 

Amount : {$2200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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 to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 Section A States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2020-08-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have a fraudulent account on 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 explanation
Consumer complaint received 2020-10-25
Company: Experian Information Solutions Inc.
State: TX
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 not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX custody is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!

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 2019-08-18
Company: Tribal Lending Enterprise, Inc.
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My Daughter took out three pay day loans online from three different agencies. One was called XXXX XXXX, In XXXX XXXX, and the third was XXXX XXXX XXXX. She ended up being late on all three accounts. All three online loan companies do not follow the regular mandated rules by the state on which the loan originated. Instead they were all three routed through different reservations and all were charging 7.9% interest daily 2,883.5% interest rates per year. When I called to make restitution's for these loans only one company agreed to take a check from her father. I am a little confused by this, it should not matter who is paying the debt along as the debt is being paid.Would like to see the online lending loan sharking business to follow the state's guidelines where the loan was originated. Hence a Drop Down box on the state. If you are borrowing from XXXX, XXXX, XXXX,etc. They could charge you no more interest than the state would allow. I was sick to my stomach that in America predatory lending practices would be allowed to survive.

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 2022-12-13
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: Reporting company used your report improperly

Complaint:
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 reporing agency can not furnish a account without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted Equifax XXXX and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: CREDIT ACCEPTANCE CORPORATION
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:
In accordance with the fair reporting act this creditor has violated my rights. 
Under 15USC 1681 sec. 602 states i have the right to privacy.

Under 15USC 1681 604a sec 2 also states a consumer reporting agency can not furnish an account with my written instructions.

Under15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan late for any purpose.

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 2020-02-05
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a letter to company named XXXX XXXX XXXX XXXX XXXX ( XXXX ) an disputed a account they said I had at XXXX XXXX XXXX XXXX! I have never had a mobile phone with XXXX XXXX XXXX. so then I got my XXXX report and I see they have put it on my XXXX acct. But it wasn't on there for years I don't know where it's coming from???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), US Department of Education, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2017-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
On XX/XX/XXXX I contacted XXXX to inquire about an internet offer I was sent through unsolicited postal mail. Upon contacting them via phone I specifically told them, no less than the times, I was not allowing them to run a credit inquiry on my record. Upon reviewing my report there is a inquiry on the same date recorded which is negatively affecting my credit score. 

Upon contacting the reporting agency TransUnion to dispute the inquiry I was told they could not do it without a statement from the inquirer. After many hours on the phone with XXXX I was told no one at their company could provide me with the required dismissal letter and was hung up on. 

I am contacting the CPFB in an attempt to have this record expunged from 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 explanation