BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-27
Company: Kikoff Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The XXXX and XXXX Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
i have had a debt that was suppose to come off of my report XXXX account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple hundred less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its legally passed the amount of time it can be reported on.I included that credit report to show when they started reporting and when they opened the account for collections

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 2020-12-18
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2020 I called in inquire about the interest that was going to start on my credit card. I had ask if they could extent my free interest and was told no that I had to start paying interest. I advice then that I have COVID 19 and trying to do the right thing to pay my bill they told me that they had a program that could lower my interest and that my payments would be lower for 6 months I told them I would call back had to discuss with my husband. On XXXX I called back to let them know I wanted to accept that offer and the rep at that time told me he didn't know what I was talking about. I advise him that I talked to a rep by the name of XXXX XXXX and the bank was offering to lower my interest and payment for 6 months. He said that there was no notes on the account and said he did not know anything about that. I asked for a supervisor to call me back. Got a call back from XXXX XXXX that left me a message. I called back XXXX to get this matter resolved talked to a XXXX explain to her that I wanted to get the interest lower to XXXX this woman was a very rude lady who transfer me a collection XXXX that was very rude and did not want to hear me put me on hold and transfer me to XXXX who she was not able to help me she transfer me to XXXX a supervisor this is not acceptable. XXXX said she was not able to help me I told her she had to help me. I asked her to waive my late fee she said NO I told her to put me in the program so finally she did. This is terrible I am sick and have been on this phone for over 1hr 1/2

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: BARCLAYS BANK DELAWARE
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Okay I logged into my credit reports and noticed an account name Barclays it has a balance of {$XXXX} it is under credit card accounts. Ive never had a credit card with this company and I havent opened any accounts in 2019 as it states it was opened XX/XX/2019 which is the year my identity was stolen.

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 2023-05-15
Company: EQUIFAX, INC.
State: PA
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. 



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 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 

9. 15 US-CODE 1692E FALSE OR MISLEADING 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 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: WA
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. XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # 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 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 explanation
Consumer complaint received 2022-12-24
Company: FISERV INC.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have opened a claim for the company " Money Network '' on XX/XX/XXXX at XXXX My case # XXXX. They thankfully returned my stolen money ( {$4800.00} ) to the debit card and noted " Adj Dispute Provisional Credit for case XXXX '' on XX/XX/XXXX. 
I have called the customer service phone number on XX/XX/XXXX at XXXX pm ( Ph : XXXX ) and talked to customer service representative named XXXX ( His employee # XXXX ). I agreed to issue them a check and send to my home address. It has been XXXX  days that I haven`t received the check. 
The last update at my account on XX/XX/XXXX " Issue refund ( Customer ) Transfer to Direct Check XXXX 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 2023-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: NJ
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 no knowledge of this account and my name was fraudulently used to open this account in the amount, I am requesting that you investigate this matter and to correct this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: MI
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Failure to reinvestigate and respond to specific errors on my credit report from the attached attorney letter.

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 2023-05-16
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 XXXX officially blocked and removed the erroneous bankruptcy information in my consumer file after I disputed the erroneous bankruptcy information. on XX/XX/2023. On XX/XX/2023, I disputed the bankruptcy information with XXXX, Equifax, and XXXX and each has yet to remove the information or even respond to my dispute. Equifax claims that they verified the information with the 3rd party vendor ( XXXX ) of public information and that is obviously not true since it had been deleted and removed from my account over 30 days prior. That is a direct violation of 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
i got out of school in XXXX  when this company was still sallie mae. My month to month payment have been {$370.00}. They are now over {$400.00}, and with the interest rates rising continuously i am never going to get out of this. They want my parents house as collateral. no bank will touch the dam thing and Ive been threw two bankruptcies due to there people. the interest rate is over 13.5 %. I have contacted them many times about other options or lower payment and they wont budge. What Ive paid in interest and on the loan should have had it paid off already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: TN
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 genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: TN
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 have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: TN
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-14
Company: Experian Information Solutions Inc.
State: FL
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
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: Investigation took more than 30 days

Complaint:
My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
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: Personal information incorrect

Complaint:
I have sent letters out several times letting each credit agency know that they are reporting inaccurate information on my credit reports. They are reporting names and address that need to be deleted or removed from my report. 

my full legal name is XXXX XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX. XXXX CA XXXX my birthday is XX/XX/XXXXplease update and remove all inaccurate information from my report. 

Please remove all other names and addresses that I have never lived at. XXXX XXXX XXXX  XXXX CA XXXX. I have never lived at this address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Unfortunately with CFPB, you are only allowed to select one choice but my issue with Chase Bank involves multiple potential violations. 

I have had various health and financial issues over the past couple of years. I'm finally getting back on my feet. My Chase credit card was not only my lowest balance card, but my lowest credit limit card. And they are the company that I've had the most problems with. In fact, I haven't really had problems with any of the other companies I'm associated with except for Chase. 

I was a card member for something like 17 years, Maybe longer. In all of that time, my credit limit was never increased ( besides when I initiated an increase ) where was my APR ever lowered but I still remained a client of Chase. 

I started having financial problems and my balance hovered around only {$700.00}. 
After a few months of me not being able to pay, understandably Chase close my account. 

The problem is : Chase kept treating and keeps treating my closed account as an open account meaning I still receive emails as if I have an active credit card when my account was closed back in XX/XX/2022. Chase keeps issuing late fees and keeps piling on interest to a card that was closed many months ago. So now my approximately {$700.00} balance is now over {$1000.00}. 

They keep calling every single day.. not one day has gone by where they have not called. 

Chase has already been involved in multiple class action lawsuits where it had to pay out millions of dollars due to harassment or unfair collection practices. I will not be taking advantage of that's why I'm officially filing this complaint. 

To summarize : 1. my balance must be adjusted 2. They need to stop calling my house with harassing phone calls every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: NJ
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. 

Account name : XXXX ACCOUNT XXXX XXXX, Account name : XXXX XXXX, ACCOUNT XXXX XXXX, Account name : XXXX  ACCOUNT # 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 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 2023-12-04
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed a CFPB complaint on XX/XX/21 : XXXX. 
I was told by Citi directly that I was eligible for the bonus and would receive it no later than XX/XX/21. 

It is XX/XX/21 and I have not received the bonus as promised. This is a blatant disregard of the terms and agreements between Citi and myself. 

Citi has not paid the bonus and it has been past the maximum allowable time.

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