BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a promotion offer from Walmart/Capital one for a Walmart store credit card which stated 5 % rewards back for in-store purchases for one year, I was approved and they said it was available for use on the Walmart app to use in-store immediately, I used the app to purchase groceries at my local Walmart and received 5 % rewards back starting XX/XX/2021, for several purchases, then on XX/XX/2021 they lowered it to 2 % rewards back. I called to ask why and the said you have to use the app to get the 5 %, and the reason it went down to 2 % was because I used the card and not the app, I explained that the promotion i received clearly states the I'll receive 5 % rewards back when I use my card in-store, its says nothing about in app only. ( see attached screen shot of the promotion )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
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 non-monetary relief
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-05-02
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XXXX XXXX  I applied for a loan of {$500.00} which I was supposedly approved of, I never received funds and have continually contacted the company on multiple occasions. Every time I contacted the company they continued to tell me they couldnt find the account or loan Id that I was given in the signed contracts and online account/app..I have dates in which I am owed the return payments and they have yet to give me clear and precise reasoning, theyve told me the account I have is not activewhich I have a login, payment schedule, and account info and IDs for there account. Ive talked to multiple management and representatives and nobody ever calls back or fixes the issue. They tell me my account cant be found and are trying to have me run my credit again a re apply without cancelling or sending any documents stating my current account void or non active..I still havent received funds and I have tried every way to get in contact which seems to be fraud or fake. Please help me get this off my credit and close this company which has made my life very hard with all the stress and 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 2018-05-12
Company: PNC Bank N.A.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took loan from the PNC Equipment Finance, located at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for an equipment finance on XX/XX/XXXX. I paid off the loan on XX/XX/XXXX for the payoff amount. The payoff amount was provided by PNC on XX/XX/XXXX. However, PNC withdrew the monthly loan payment amount from my bank also on XX/XX/XXXX. When I contacted PNC to return the over payment, PNC equipment finance 's customer service ( XXXX ) emailed me that the over payment amount ( {$560.00} ) will be refunded to my bank account by XX/XX/XXXX. Today is XX/XX/XXXX and I still didn't receive the refund of {$560.00} in my bank account. I sent emails on XX/XX/XXXX and XX/XX/XXXX to their customer service requesting update and those emails were not answered by PNC. I am fearing that PNC bank will not refund my money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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 called XXXX / XXXX XXXX in XXXX of this year to settle the account. I offered a payment if they would do a pay / delete deal and they agreed. I paid the settlement amount but they did not delete the account from the credit bureaus as agreed.

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 2019-10-16
Company: EQUIFAX, INC.
State: IL
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:
Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX  ****XXXX* not mine XXXX ****XXXX* never late XXXX XXXX ****XXXX {$94.00} not mine XXXX ****XXXX not mine XXXX ****XXXX not mine XXXX XXXX XXXX ****XXXX {$280.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have submitted several disputes to the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), as well as the secondary company XXXX. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. My issue is that I have received a letter from XXXX stating that they DID NOT verify the account that I am disputing, a bankruptcy in California. This account was removed from XXXX on XX/XX/2019. Yet, Equifax has sent me a letter on XX/XX/2019 stating that they have verified this same account through XXXX, the same company that has removed this from my consumer record. I am demanding that Equifax remove this Bankruptcy immediately from my credit report, not just saying they verified with XXXX or XXXX, as I have tangible evidence that contradicts what they are telling me. 

Actions like this is the reasons why consumers do not trust credit reporting agencies, as they do not verify items, they merely parrot XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Friday XXXX ( XX/XX/08 ) I instantly deposited or transferred {$830.00} from my XXXX account to my Chime account. Everything went smooth. A couple of hours later my account was put on hold/suspended for suspicious activity. I received an email requesting identification and documents proving where the funds came from. I replied directly to the email and I submitted requested information immediately. I have NOT received a response. Ive spoken to several representatives that escalated my case to their back office each time. I still received no response. One of the representatives informed me that all escalations were done wrong and that she will do a correct one. Waited hours, still heard nothing. Finally I spoke with a supervisor informing them I am ready to file a complaint with XXXX  and CFPB if something is not done. The supervisor stated he has submitted an appeal. I received a ticket number XXXX. I was told I would receive an email, and something should be done regarding this. I have still heard nothing. I have still received no real help from anyone. They are unlawfully holding my funds and my account needs to be released immediately! I am entitled to the money I earned by working in the XXXX XXXX! There is no scam here. Chime is being ridiculous and their customer service is not professional at all. I need my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 USC 1681. 


XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 c ( 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call in XXXX of 2023 From a company out of Washington state called IQ Data International trying to confirm my identity. When I refused to confirm my identity the guy on the phone made an open ended threat and hung up on me. A few weeks later I receive another phone call from woman this time. I confirm my identity and she requests my banking info. When I refuse she says they are going ro ruin my financial future u less I pay them now. I hang up and they then proceed to call me 6 times in a row. I have no debt with original company. They broke the contract. IQ data is trying to collect XXXX from me but I have emails from original debtor for XXXX dollars. This is a very shady and immoral company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
These people are refusing to let me set up payment and threatening me to put this on my credit report even though I am trying to Pay!! My wife accidentally bounced their payment and they tried it again on a non pay week without contacting us to even see what happened then said they could only take a card on XX/XX/19 then on XX/XX/19 they can't make an arrangement and can only take the card the day of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 have two outstanding credit card disputes ( one dispute is two transactions Claim XXXX and XXXX, and one dispute is XXXX ). I have been working with Bank of Americas credit card dispute team checking the status, providing additional information, etc. These disputes date back to XX/XX/XXXX. 
As you can see from my communications dated XX/XX/XXXX, the credit card dispute team has provided information but they have not completed or resolved the inquiry / dispute : In one situation, the credit card dispute team told me that the two claims had been resolved in my favor ( and the credit was permanent ) but they could not send me anything confirming that information. I pointed out that I did not believe that was correct I provided an example of a claim in which they had provided me such a written confirmation. 
In the other situation, I am still due a credit and looking for similar written correspondence that the dispute is permanent and credited to my account. 

While not in my escalation to the Executive Complaints Team at Bank of America, the process has been confusing an disjointed. For example, during one call to the credit card dispute team, I asked for the fax number to send additional information related to my disputes to Bank of America the Bank of America contact ( in card disputes ) told me that they did not have that information that they could provide for me. In another case, a Bank of America contact provided me information about the disputes process ( i.e., 30 days to complete ) and when I called again another Bank of America contact told me I had been given incorrect information. 
All I am l requesting is that Bank of America confirm in writing the details of the discussions that were provided verbally and confirm that these disputes are permanent and resolved in my favor. The two letters I sent to Bank of America ( dated XX/XX/XXXX ) so indicate ( sections marked My request to Bank of America ). 
While I did not want to file a CFPB complaint, I was very clear that this would be an action step if the Bank could not complete the inquiry. I so informed Bank of America contacts when speaking on the phone. I have also sent this information to the Executive Complaints department ( via certified mail receipt attached ) and through several e-mail contacts. Bank of America has not acknowledged my escalation, and no additional information has been provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/, I sent a certified letter to the credit bureaus asking then to verify every piece of information reporting on my report to make sure everything was 100 % accurate. I have been waiting over 30 days for an update. During this process I received a letter in the mail XX/XX/, from an unknown debt agency attempting to collect on an alleged debt. These debt collectors XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under15USC1681. When I sent a letter to XXXX XXXX XXXX asking them show me where I owe them a debt they then sold this alleged debt to XXXX XXXX XXXX without my knowledge, and so did XXXX XXXX XXXX See the 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 explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentality under 15 USC 1681. 

XXXX XXXX XXXX : has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish accounts without wriiten instructions. 
15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report c ontaining any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 681-2 ( A ) ( 1 ) A person shall not furnished any infomation relating to consumer repairing agency if the person knows or has reasonablecause 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 2022-05-23
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported XXXX late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within 30 days. Around XX/XX/2023, I disputed the above debts with XXXX, XXXX, and TransUnion, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.

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 2019-06-25
Company: EQUIFAX, INC.
State: WI
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 a fraudulent inquiry on XX/XX/2019, that resulted in a credit card that was approved. I immediately contacted the credit card company and they closed the account and issued me a letter of apology and acknowledged it was fraud. 

I contacted Equifax to dispute the inquiry online on XX/XX/2019. Within a few days, ( XX/XX/2019 ) Equifax came back with " Inquiries are a factual record of file access. '' This can not be true based off of the letters sent to me by the credit card company. 

It is my contention that Equifax did not properly look into this serious dispute. Had they done so, they would have come to the same conclusion as XXXX XXXX and I did -- that this was a fraudulent inquiry and should be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I ordered a replacement card from Amex, which they fedexed to me. The XXXX got lost. Now amex refuses to replace the card they lost. NOTE : this is in relation to my business gold rewards card NOT my XXXX XXXX  ( whose number I provided )

Company response to consumer: Closed with non-monetary relief