BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX -- I opened a huntington checking account and added my XXXX savings account as external account to fund my huntington checking account. 

XXXX XXXX XXXX  -- I received an email saving Huntington suspended my XXXX account and provided a phone number to call. I called the number and was told I need to show proof that the XXXX account is mine by bringing the banker a copy of my XXXX savings account statement. 

XXXX XXXXXXXX XXXX -- I brought my XXXX XXXX  account statement to the branch and handed it to the banker there. 

A week and a half later on XX/XX/2023, my XXXX  account is still suspended by Huntington which caused me to not able to fund my huntington checking account. What is taking huntington so long on such a easy task?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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 protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 requesting CFPB to launch an investigation with Transunion credit reporting agency due to an incorrect public record reporting on my credit file. I have been disputing a XXXX XXXX bankruptcy that is reporting inaccurately. Transunion continues to state it has been verified but will not disclose by who so that I can ask them to do an investigation. Originally Transunion stated it was verified by XXXX XXXX, so I requested that they perform an investigation and upon completion of XXXX investigation they deleted such bankruptcy from their database. I sent the letter from XXXX XXXX to Transunion, and they once again stated it was verified but did not disclose by who. I have spoken with and received correspondence from the courts that is reporting on my credit file, and they also have sent correspondence stating they do not report or verify anything with the credit bureaus. This inaccurate information needs to be deleted ASAP because I am unable to find a place to live. I have sent certified mail, all correspondence from both XXXX and the courts, I have no clue what else they want or need.

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 2023-08-17
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, XXXX 's debited {$53.00} from my Checking Account. There was no reason for me to have that amount. When I asked Chime about it, she denied it. I tried again, and again. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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:
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 an 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 or 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: IL
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 received a copy of my credit report and found the following item to be in error : XXXX XXXX account number XXXX 1. Three different balances are being reported {$1500.00} is being reported on XXXX, {$2500.00} is being reported on XXXX  and {$1500.00} is being reported on EQ. 
2. Three different last dates of payments are being reported XX/XX/XXXX ( XXXX  ) XX/XX/XXXX and XX/XX/XXXX 3.EQ reported 30 days late XX/XX/XXXX when the account was not. EQ also reported 60 days late XX/XX/XXXX and the account was not. ( XXXX ) and ( XXXX ) reported 30 days late in XX/XX/XXXX when the account was current. XX/XX/XXXX ( XXXX ) ( XXXX  ) ( EQ ) all reported different account statuses. 
By the provisions of the Fair Credit reporting Act, I demand that these items be removed. This is a clear violation of 15 U.S 1681s-2 ( a ) a duty of a furnisher to provide accurate information. 15 U.SC Sec. ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies if a person has been notified that such specific information is inaccurate. I understand that under 15 U.S.C Sec. 1681i ( e ) you must complete this re investigation within 30 days. Please send me a copy of my credit report to the address listed below. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FinCo Services Inc DBA Current
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Current regarding their failure to provide me with provisional credit following an unauthorized transaction dispute claim within the mandated timeframe of 10 business days. 

On XX/XX/17, I discovered an unauthorized transaction on my account statement and promptly notified Current of the fraudulent charge. I followed their procedures to file an unauthorized transaction dispute claim, providing all the necessary and evidence to support my case. 

According to guidelines set forth by the Electronic Fund Transfer Act ( Regulation E ), financial institutions are obligated to investigate and resolve unauthorized transaction disputes within specific timeframes. One such provision is the provision of provisional credit to the customer within 10 business days of filing the dispute claim. 

However, despite the passage of the aforementioned timeframe, I have not received the provisional credit from Current. This delay has caused significant financial hardship, as I relied on the prompt resolution of this matter to ensure stability of my finances and meet my financial obligations. 

I have made numerous attempts to contact Current regarding this matter, but I have been met with unsatisfactory responses and a lack of accountability. The prolonged delay in providing the provisional credit has not only exacerbated my financial strain but has also eroded my trust and confidence in Currents ability to safeguard my interests as a valued customer. 

I believe that the actions of Current are in direct violation of the regulations put in place to protect consumers like myself. I kindly request your intervention and assistance in resolving this matter swiftly and in accordance with the relevant consumer protection laws. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action to ensure Current fulfills its obligations to provide the necessary provisional credit without any further delay. Furthermore, I hope that this incident serves as a wake-up call for Current to improve its customer service and compliance with regulatory requirements. 

Thank you for your attention to this matter. I eagerly await your response and a resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
On XX/XX/XXXX, I reserved 2 hotel rooms for a future date in the XXXX mobile application at the XXXX XXXX in XXXX XXXX and was never presented with a disclosure that the hotel required a deposit to hold the reservation. In addition, the hotel even calls out that one can cancel the reservation without any penalties a number of days prior to the reservation date. On XX/XX/XXXX, XXXX XXXX XXXX Hotel in XXXX XXXX charged my XXXX XXXX credit card for a hotel reservation in XXXX XXXX two separate charges of {$660.00}. I contact the XXXX XXXX and they apologizes for the charges and would reverse them. These charges were presented on my XX/XX/XXXX statement ( Payment due date ). 

My XX/XX/XXXX statement showed only one charged had been credited back to my XXXX XXXX account on XXXX XXXX, XXXX. So contacted the hotel again explaining to them the situation as I had now received a notification that a credit bureau had been informed that my account with Chase ( XXXX XXXX ) was delinquent. The XXXX XXXX XXXX accounting department called me back later on XX/XX/XXXX to inform me that they had made a mistake and that their account system only processed one of the two charges. 

This morning ( XX/XX/XXXX ) I reached out to Chase seeking their assistance in reversing the delinquent notice to the credit union. They explained to me that I was at fault for assuming that the XXXX XXXX, their partner and affiliate for the XXXX XXXX card, would have processed both refunds. They went on to say that I should have paid the minimum balance for a charge I did not approve and attempted to handled directly with their partner and merchant, XXXX. Chase had initial informed me that I could dispute this charge but it would be easier if I contacted their partner, the XXXX XXXX. They did not disclosure to me the potential impact by not opening a dispute if this situation went on for some time. The Chase Credit Bureau Specialist Unit further stated that I need to contact the credit bureaus to resolve my issue and reiterated that I should have paid the minimum and I could have called back to ask for my money back. They were able to see this morning that the refund from the XXXX XXXX in XXXX XXXX was pending and would clear tonight. 

My concern is what is a consumer supposed to do if a credit card company is not willing to assist one of their customers when the credit card company 's partner illegal charges that customers credit card. At this time, my credit score has been impact by Chase 's actions along with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: WASHINGTON FEDERAL BANK
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello. We had someone make fake checks through our business acct and deposit them at an online bank, XXXX XXXX. The fraudsters names were XXXX XXXX, XXXX XXXX, & XXXX XXXX. 

Transaction dates, amounts and fraudulent check XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-05-30
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 Account # XXXX, has violated my right .15 USC 1681 Section 602 States i have the right to privacy.15 USC 1681 Section 604 A Section 2.it also states a consumer reporting agency can not a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Billing dispute for services

Complaint:
Transunion, upon my signing up for an account, charged me {$26.00} for a membership. On the sign-up information, there was no clear indication that I was going to be charged or receiving my credit score would cost money. I only realized I was charged when I reviewed my bank statements. I called Transunion and they reversed the charge.

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 2023-05-04
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-05-30
Company: TD BANK US HOLDING COMPANY
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nordstrom Visa Account number : XXXX XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: General Motors Financial Company, Inc.
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XXXX 2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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: Their investigation did not fix an error on your report

Complaint:
One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX  by and through the law firm XXXX XXXX XXXX XXXX, XXXX XXXX XXXX., XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/XXXX, XXXX XXXX an Attorney from law firm XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/XXXX, XXXX XXXX aXXXX XXXX XXXX XXXX served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX Supreme Court. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with National Credit Union Administration appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX XXXX XXXX XXXX, in attempt to scare me into paying a debt I dont owe.

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 2023-05-30
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in a direct violation of the Fair Credit reporting act Nissan Motor Acceptance Account number : unknown has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Applied Data Finance, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to the Pandemic my Husband has been out of a job and we are in financial distress at the moment. We are having issues paying our loan thru Personify and they have sent me a loan settlement offer in an email. But after numerous attempts I can not get them to confirm this offer in writing or email, they only offer doing it over the phone which I am not comfortable with. I would like something in writing. I have sent them numerous emails requesting this and even suggesting terms I could pay. {$2800.00} one time payment or {$4000.00} over 6 month period. However I just keep getting a runaround. I would like to settle this debt but this company Personify is impossible to deal with. I also have already made well over {$4000.00} payment on this loan.

Company response to consumer: Closed with explanation