BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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'm a casualty of data fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Accounts 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX XXXX  Account Number XXXX Delete this account. 

15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number XXXX Delete this account. 

15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  XXXX XXXX Account Number XXXX Delete this account From My Credit Report Personal information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Regarding ( XXXX XXXX account : On XX/XX/2022 I disputed this information that appeared on my TransUnion report from XX/XX/2022 : Stating " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account ''. 

TransUnion did not send proof, nor did they change the negative payment status on the account. 

Then again on XX/XX/2022 I disputed the information again that appeared on my TransUnion report from XX/XX/2022 : Stating " I previously disputed this account stating : ( This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ) I do not agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account ''. 

As of today XX/XX/2022, TransUnion still hasn't sent me any proof, changed the negative payment status on the account, nor deleted the negative information in 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 non-monetary relief
Consumer complaint received 2018-08-19
Company: Harpeth Financial Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
The company Has not yet responded to me. I spoke to a representative who said I would get a call back the same day so my account can be closed and the interest can stop being charged which is over 300 % interest. I Want to pay my debt but since Ive been laid off I can only afford to pay my principle balance, over {$300.00} in interest is being added to my account every 2 weeks. They have no responded as of yet..I sent the email to them that is below. 




Account # XXXX URGENT XXXX XXXX XXXX XXXX Dear XXXX XXXX, Recently due to unforeseen circumstances I was laid off from my position as a XXXX XXXX  in the XXXX XXXX. I have very little money available at this time to keep up with bills including credit cards, loans, cash advances. I will have just enough money to keep the lights on and feed my children. Per the Fair Debt Collection Practices Act, Federal Trade commission, and the Consumer Protection Bureau I hope we can come to fair terms in regards to repaying my outstanding debt. I would like to pay off my debt completely within a set time period with freezing the amount of interest being charged so I can put every payment towards my principle balance. I would like to start paying immediately. At this time if you could please stop any ACH withdrawn or Debit withdraw from account ending in # XXXX and card ending # XXXX as I do not want to attain any fees from NSF. 

Please, your co-operation is appreciated and Im hoping to repay my debt with set payments over a set time period without any additional interest being charged or added. I look forward to hearing back from you as I am trying to take care of my responsibility with XXXX. Please email me at XXXX or I can also be reached at XXXX. I will get back to you as quickly as possible. 



Thank You XXXX XXXX XXXX Acct # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2023 approximately XXXX, spoke with Equifax customer service agent XXXX XXXX requesting dispute of data verification. He transferred my call to XXXX XXXX ( spelling? ) I requested written verification of disputed of inaccurate information on my Equifax credit report. She refused my request and told ME to verify the information and SEND EQUIFAX A COPY. I asked several times to send data furnisher information and my request for verbal and written data furnisher information was denied. Equifax customer service agent, XXXX XXXX, was hostile and ended the phone conversation abruptly. 

Equifax violated my consumer rights verbally and violated my FCRA consumer rights. A violation claim will be submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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:
IN accordance to the Fair Credit Reporting act, EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF Section 1681, 1681b ( c ), 1681 ( C ) 1681S ( 2 ), While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Experian Inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX OF XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX XXXX inquiry XX/XX/2021 XXXX XXXX  XXXX XXXX XXXX XX/XX/2021 XXXX inquiries : XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX inquiry XX/XX/2021 XXXX XXXX inquiry XX/XX/2021 XXXX XXXX : XXXX XXXX XX/XX/2021 XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX ARE IN VIOLATION OF I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you Experian, XXXX and XXXX permission to furnish this this information onto my credit report. This is a violation of the XXXX Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.

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

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.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written

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 2022-11-07
Company: JPMORGAN CHASE & CO.
State: MA
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:
On XX/XX/XXXX, I went to a branch of Chase in XXXX to seek application for the Chase Freedom Unlimited Credit Card, with their Cash Back Rewards & Benefits shown on https : //creditcards.chase.com/cash-back-credit-cards/freedom/unlimited. In addition to the normal cashback, they should offer " {$200.00} bonus plus 5 % grocery store offer - up to {$800.00} total cash back '' detailed on their website. I got approved and I waited for the physical card to arrive. 

Since I had XXXX XXXX, I could immediately use my approved credit card. However, I did purchases at groceries stores like XXXX XXXX and XXXX XXXX 's, but the cashback did not reflect with the 5 % they promised, but only the regular 1.5 % rate. I went to the branch asking for information about this problem, and they said they would be looking on that. 

Next week, I went back to the branch with the received physical card, and they answered that they could not honor the 5 % cashback, because they had system issues and asked me to call customer service line. I went back home and called the customer service, and they said that they could actually see the benefit on my card, but I had to wait for the monthly statement to actually see and receive the 5 % cashback on groceries. 

On XX/XX/XXXX, I received my statement and report on the points I earned, and there was no 5 % cashback on groceries at all. I reached out to customer service again, and they said I didn't have the offer at all, and there was nothing they could do, even though I applied for the credit card during the offer period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting 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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: HYUNDAI CAPITAL AMERICA
State: OH
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:
CFPB File No. XXXX dated XX/XX/XXXX, has found that Hyundai Capital America knowingly XXXXolated of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its implementing Regulation V, 12 C.F.R.pt. 1022 ( known as the Furnisher Rule ) and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531 ( a ), 5536 ( a ). As such, a Consent Order was entered against Hyundai Capital America and laid standards by which they are to abide by in relation to redress. 

On or about XX/XX/XXXX, I received a redress check from Hyundai Capital America in the amount of {$100.00}, which specifically identified myself as a customer that was harmed by their illegal actions and referenced the CFPB case. 

After receiving the redress check, which by the very nature of my receipt of the check, clearly means that I have been wronged by Kia Motors Finance 's actions. I contacted legal counsel, which on XX/XX/XXXX, mailed a letter to Kia Motors Finance directing them to follow through with the directives from the Consent Order, by removing the derogatory information from all 3 credit bureaus, which is still negatively affecting my credit. 

Rather than Kia Motor Finance making the necessary retractions/corrections, after receiving the attorney 's XX/XX/XXXX letter, Kia Motor Finance has restarted the erroneous reporting, which is again in direct violation of the Consent Order. As of today, XX/XX/XXXX Kia Motors Finance has began to actively report erroneously, derogatory information to all 3 credit bureaus. And they sent me a letter on XX/XX/XXXX, stating that the information they are reporting is correct and completely ignored the presence of the Consent Order or the redress check that they mailed me. 

CFPB File No. XXXX continues to be violated by Hyundai Capital America, Kia Motors Finance, which is negatively effecting my credit.

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 2023-08-17
Company: EQUIFAX, INC.
State: AZ
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 am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
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:
XXXX XXXX XXXX XXXX XXXX XXXX, tx XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, I presume that no proof of the allege debt, nor therefore any such debt, in fact therefore exists In accordance with the fair credit Reporting act account is XXXX XXXX has violated my rights. 
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 furnish 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.

15 USC 1605B : Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.

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 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-10
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Subject : Request for Arbitration - Acceptance of Source Data and Signature and Account Closure. 


I, XXXX XXXX XXXX, hereby submit this arbitration request in accordance with the arbitration clause outlined in the agreement with PNC NA. This request is related to the acceptance of source data and signature valued at XXXX XXXX XXXX USD and the certificate of deposit valued at XXXX XXXX XXXX USD. 

Details of the Dispute : 1. The Parties : Claimant : XXXX XXXX XXXX XXXX : PNC NA 2. Agreement Reference : The arbitration clause is contained within the agreement between the Claimant and Respondent, which governs the acceptance of source data and signature.

3. Nature of the Dispute : The dispute arises from the alleged failure of PNC NA to accept the provided source data and signature, which is valued at XXXX XXXX XXXX USD. Additionally, PNC NA has failed to recognize the certificate of deposit valued at XXXX XXXX XXXX USD. 

4. Efforts to Resolve the Dispute : The Claimant has made multiple attempts to resolve the dispute through direct communication with PNC NA, but all attempts have been unsuccessful.

5. Relief Sought : The Claimant seeks the following relief : - Acceptance of the provided source data and signature valued at XXXX XXXX XXXX USD and account re-established. 
- Acknowledgment and recognition of the certificate of deposit valued at XXXX XXXX XXXX USD. 

6. Applicable Arbitration Clause : The arbitration clause in the agreement between the Claimant and Respondent states that any disputes arising from the agreement shall be resolved through binding arbitration.

7. Arbitration Proceedings : The Claimant hereby requests the initiation of arbitration proceedings to resolve this dispute of account closure and accounting error in accordance with the terms of the arbitration clause.

Please confirm your acceptance of this arbitration request and provide information regarding the designated arbitration forum within 15 days as per the CFPB response requirements.

Thank you for your prompt attention to this matter. I look forward to a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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:
I tried to use my debit card it was declined and Chime told me they suspected fraud and my account was suspended or locked. I cant access my funds on line and every time that they are looking into my issue and tho call back in XXXX days that was on XX/XX/22. I keep calling every day but they keep telling me its in the fraud department and they can only be reached through email. I have emailed them but with no respond except its being reviewed. I have bills to pay, I have children to take care of. I cant do anything without my money. At this point I would like to withdraw all {$11000.00} of my money and put it in a real bank because this is stressing me out that Ive been in the hospital for 2 weeks. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
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 rights. 
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 furnish 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 any purpose.

Company response to consumer: Closed with explanation