BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: Block, Inc.
State: TN
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On Tuesday XX/XX/XXXX at XXXX XXXX  and charge for XXXX was on my cash app card for XXXX dollars. I don't have a clue as to what that was for at all. And my last name can be changed from XXXX back to my maiden name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX 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 2021-10-28
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been unable to access account information for my SW Chase visa and thus contacted a representative recently and was told my account was sent to a lawyer. I have not received any written or email notification that my account or information would be sent to a lawyer nor for what purpose. I am unable to obtain any information when contacting Chase about the account, the total amount owed to attempt to work on payment options. My account now says that it is charged off. 
Ive been in contact with Chase regarding COVID 19 assistance to alert of need for assistance since early XXXX after loss of work due to COVID 19 pandemic ( closure of previous contract work, loss of contract work job offer, reduction of income as small business owner, lack of payment from pandemic unemployment due to glitches in their system ). Assistance was temporarily provided periods of assistance ( episodes of being allowed to skip payment ) and periods of payments, which greatly helped. Interest and fees were not adjusted and continued to accrue. Last known interest was 15.99 %, {$3900.00} interest and {$200.00} in fees for XXXX by XX/XX/2020. 
I requested lower payment, lower interest rate to attend to payments ; requests were denied. 
Continued to update SW Chase Visa about impact of COVID19, including no payment from unemployment due to continued problems in unemployment system ( payments not actually received until over a year later ). Chase representative relayed that I could not receive hardship assistance that would lower interest and payments due to having a high debt to income ratio. I conveyed it seemed that this is exactly the person who would benefit from lower interest and payments due to less ability to pay than someone with greater resources. The rep relayed option of doing a one time reduced payoff of lump sum {$20.00}, XXXX if I had that, I relayed I did not have that which was reason for requesting payment options to reduce interest and monthly payments. Representative also relayed I could pay full balance over time, yet payments were close to {$2000.00} per month, which were not feasible. I continued to request options for reduced payment arrangement. I requested any information over time of new options for COVID19 assistance or hardship assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions 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've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
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: Credit inquiries on your report that you don't recognize

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify or delete accounts that aren't reporting correctly. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. XXXX the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-03-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have reached out to the company XXXX XXXX XXXX several times I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances which it should not be a balance that violates the and should be removed on those grounds as well I have submit multiple fta reports and police report and confirm my identity also equifax will not allow me to log on and I spoke with ally from fraud she was rude and hung up on me I would like the call monitored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: LA
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. 

. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Delete this 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 2022-06-03
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:
In accordance with the fair credit reporting act XXXX BANK XXXX PA 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions 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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts 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 2023-05-09
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, I have disputed the account on my consumer report and also sent all the proof of verification.I have sent you copy of my Driver licence, Social security already I will also attached them to this complaint. 
First Name : XXXX XXXX XXXX name : XXXX Address : is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is my current and only address. Please removed all the other addresses and name that are not me off my consumer report. I will also attach a copy of the police report this complaint. The following name and accounts are not mines and would like them to be removed from my report. 
These negative items on my report are causing me stress, humiliations, and my mental. because of these account I can not get approve for anything. 
I would like to have them removed from my consumer report. 
XXXX XXXX  Account # 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 removed the following addresses from my consumer report. The only address that should be on my report is the one I stated above. please removed these of my consumer report. 
XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2017 XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please remove the following unauthorized inquiries of my consumer report. 
XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX  Please removed any inaccurate information on my consumer report. 

Sincerely, 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 explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act 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 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

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: AMERICAN EXPRESS COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Company has misled consumer, and billed less than XXXX XXXX violating FCRA from a XXXX purchase on a revolving account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: AR
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the negative information listed on my credit report. The following items are incorrect and require your immediate attention : Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information - XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

XXXX XXXX - Account Number : XXXX - I have never paid this account late. Your reporting is completely inaccurate and it is negatively affecting my credit. Please update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX  - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

I request that you investigate and correct these inaccuracies as soon as possible. Please send me a written confirmation of the actions you take in response to this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit report was misused. I went to apply for a car and my credit report was ran at least 12 to 13 times without my consent. My phone was also compromised and I've seen multiple inquiries that I did not consent to.

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 2023-01-05
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a XXXX customer. Aside from a checking and savings account, I also opened a secured credit card. 

The XXXX app provides, as a courtesy, an update report on ones FICO score. As I closed a XXXX XXXX credit card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with XXXX. The app identifies Equifax as being the source for the score. However, when reviewing my consumer file, with this agency, my XXXX credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by XXXX in considering future offers. 

After reaching out to Equifax and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case XXXX. 


The mission of XXXX has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: ERC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Due to the fact that I a not a U.S citizen, I did not understand that when resolving issues, like these i had to go to all credit agencies, and because of this lack of knowledge I only contacted XXXX to have the problem resolved. XXXX XXXX XXXX recently bought an outstanding {$1000.00} XXXX debt in my name dated XX/XX/XXXX. However I had contacted XXXX about this issue ; listed under 'XXXX XXXX XXXX ( ERC ), and had it removed from their records back in XX/XX/XXXX ( XX/XX/XXXX ) when i showed proof that the social security they had on file that was connected to the debt was n't my social security. Then issue still exists under my XXXX and my XXXX files and I 'd like it removed from these scores also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: AK
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 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 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 conviction 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