BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: AL
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:
After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 



After review of my credit report I noticed some questionable items. Names are incorrect, Dates are incorrect and dollar amounts are incorrect. 

Please delete any names and addresses other than the ones listed directly below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account CREDIT RCVRY Account Number : XXXX Please investigate and delete from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Also, please send a complete copy of my entire consumer credit file. I do not want the disclosure. I want the actual complete and comprehensive file for all of the accounts that you current possess of mine. 

Thank you for your time. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Experian Information Solutions Inc.
State: SC
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 a have inaccurate accounts on my credit report and I need it remove, by law all the accounts must be accurate with the same info. Experian, XXXX removed/changed some accounts this cause inaccurate info on my credit report, what I need remove. 

I need all the accounts that I provided in the ( ATTACH DOCUMENT TAB ) REMOVED

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 2023-03-04
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
this is my response to your frivolous and deceptive response through CFPB portal. even though you have completely ignored my original letter stating you're in violation for reporting a account based of payment transactions for medical products or services under 15 USC 1681a ( 3 ), in your response you have committed multiple violations under the XXXX you have used a logo/symbol which indicates that you are in the debt collection business which is a violation of law under 15 USC XXXX ( 5 ) which is infringement of my right to privacy. you have also presented a false and misleading representation as you have only stated that the communication was from a debt collector but not the remaining part of 15 USC XXXX  ( 11 ) which requires you to state that you are attempting to collect a debt and any information will be used for that purpose in each SUBSEQUENT communication. I am also aware on my consumer report you are reporting as my creditor in regard to this account but according to the definition of a creditor pursuant 15 USC XXXX ( 4 ) any person to the extent that receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another is NOT a creditor. making you in violation for furnishing a deceptive form under 15 USC XXXX. You are a third-party collection company and lawfully can not validate any of my debts therefore you are reporting a invalidated account on my consumer report & have not provided proper documents to validate this debt under 15 USC XXXX XXXX therefore you are not only using unfair and deceptive practices under the XXXX which i have proof of and am including in this complaint. you are also reporting a debt which is invalidated. I demand you delete this tradeline across all consumer reporting agencies immediately and no further action shall be taken on my end. failure to comply i intend to take action immediately to get justice due to the inequity you have caused me by your unfair collecting methods XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : U S DEPT OF EDXXXX # XXXX However, they 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 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
A Bankruptcy reporting on my Credit Report. Which is a violation of my right, knowing the fact that the United States Bankrupcy Courts Do Not report individual bankruptcy case filing data to any credit reporting Agencies, nor do they update any infomation directly 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 explanation
Consumer complaint received 2021-07-31
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:
Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Kia Finance America has violated XXXX XXXX and XXXX XXXX rights on many fronts. I have proof and paperwork documented of the fraud, non disclosure and breach of contract with how they violated our rights. 
On or around XX/XX/XXXX, I got the payoff for my XXXX XXXX XXXX, from Kia finance america. I sent in my certified funds for the amount a little over the payoff to cover any interest or overages. Kia accepted payment and then released the lien also the title and they sent us clear title with no liens. I then got the certified copy of the title. Then a couple months later kia stated the payment was reversed and not accepted. Which is a violation of my rights on many levels. Acceptance of payment so discharged. They never returned anything back to me. My equity has been taken and my rights violated. My wife and I both called to resolve this matter but Kia insists that we still owe approximately {$9400.00} on said vehicle. Kia has violated constitutional law, contract law, ucc, codes and statues that are put in place to protect XXXX and XXXX XXXX as the consumer. 
So now they say we are 160 days late and the car was illegally repossessed. I have the clear title with no liens. I also called Kia again and entered my social security number to verify myself and they state thank you for your payoff and we will be sending your title in the mail as you requested. So it still shows my payoff on the automated system. Kia has illegal sent out repossession orders to XXXX XXXX XXXX  in XXXX XXXX Florida which now holds my private property illegally. I contacted Kia again about the illegal theft of my vehicle and property and they claim my account is being handle by a special department and they would need 3 days to contact me back. This happened to my wife 2 months ago when she called Kia to try and figure this out. Kia never contacted her back. They never contacted me. Kia claims they cant leave messages when calling, so how would we know if they called if we didnt answer or were busy at work? This has caused my wife and I unbelievable heartache, stress, financial hardship among many other things

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 2023-11-27
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Ive been disputing inaccuracies and the company keep updating inaccurate information I asked them to do reinvestigation and still account has not been deleted! Consumer reporting agencies havent sent me any description or relevant information on these accounts. Account name- XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Also XXXX keep updating XXXX with inaccurate information please have these accounts deleted! These consumer reporting agencies are breaking FCRA LAWS!!!! 15 usc 1681 ( a ) ( 1 )! 15 usc 1681 ( b ) ( 2 ) permissible purpose! 1681 ( 6 ) ( b ) iii description of procedure! And also a consumer report excludes transactions and experiences accordance to 15 usc 1681 ( a ) ( 2 ) i please please delete!

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 2021-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im reaching out because I decided to look at my credit because I wanted to start the process of getting a home and I see some student loans on there that are not mine. I dont understand how this Is even possible being that I didnt even graduate high school so I dont know some student loans could be on my credit. I filed a complaint with the FTC like my friend advised me to and I contacted the police here. Im doing this on my own and need some help. The student loans are US Dep Ed, Dept of Ed/XXXX, DPT ED/XXXX and 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 2021-07-30
Company: CITIBANK, N.A.
State: NY
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:
I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received any investigation results.

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 2021-07-30
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 I had 5 different t unauthorized transactions on my account totalling {$710.00}. I immediately contacted chime about it and was told I had to wait until the charges posted to my account in order to dispute them. So I did. On the 10th business day exactly I get an email saying they have closed my claim and that is was being denied! I contacted the dispute department and was told that I had 2 options which were either provide more evidence or request documents that they used in making their decision but that I would still not be eligible for the provisional credit! This company is a scam and needs to be shut down IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: NAVY FEDERAL CREDIT UNION
State: VA
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 finished writing my complaint against NFCU denying my dispute claim. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX  XXXX, XXXX XXXX I have already downloaded / attached 40 documents I got cut off. My NFCU XXXX XXXX XXXX was lost 2 days ago, and requested a new card thru the NFCU Branch in XXXX. XXXX, VA .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Today, XX/XX/XXXX, is when I was standing in line at the gym purchasing a smoothie and my chase card got declined. I go to my XXXX XXXX  only to see that chase has suspended this card. I'm assuming this is in response to the claim that I filed 8 days prior for the deposit that locked up the atm. It was XX/XX/XXXX, at XXXX when I deposited {$800.00} and the Atm went red and printed a receipt with a number to call in case my deposit didn't go through. I called and told them about the incident in which they forwarded me to claims. I receive a missing credit the next day and all is well. Fast forward to now, I have {$3100.00} as it stands right now with an upcoming payday on the XXXX, and I have no access to these funds. I need the funds right now, not in a check after an investigation which may take 10+ days. It is not good timing at all, and I really can't afford to be late on payments when I'm finally in a comfortable position. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't do business with an entity that regards my frequent deposits as fraudulent. I have the deposit on video, it shouldn't be this complicated. It makes no sense to have a physical address and not be able to do anything but forward me to phone numbers. Chase was able to update my mailing address, that's about it. I was planning on paying rent a day prior to thanksgiving, now I can't even get a smoothie. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions 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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MTR XXXX XXXX XXXX XXXX XXXXXX/XX/2021

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 2023-09-17
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Unfortunately PNC DID NOT ADDRESS AT ALL THE MOST COMPELLING ISSUE RAISED The copy and past response from an unknown person does not address the issue that I made PNC aware that I am unable to do online banking. 

I AM AN AMERICAN WITH A XXXX. UNDER FEDERAL LAW PNC IS REQUIRED TO MAKE REASONABLE ACCOMMODATIONS. 
I have asked that PNC provides the paper statements to me without imposing a monthly XXXX Dollar fee in the future and provides reimbursement for prior fees. 

Again, in simple terms I am asking PNC to confirm that they will not collect any paper statement fees from me in the future. 
Unless PNC address this issues and provides as required under federal law reasonable accommodations I am considering a complaint to the Department of Justice in case PNC again responds with I would appreciate if someone pays attention instead of copy and paste responses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: Experian Information Solutions Inc.
State: DC
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2023-12-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
There have been 5 escrow analysis done on my account without informing me. There was a payment made from Texas HAF in XX/XX/2023 and the money was not distributed correctly and it still has not been resolved. My mortgage payments are not going towards my principal/interest/escrow consistently and instead, payments have been made towards my 2nd loan ( down payment assistance ) on my FHA loan.

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 2023-09-17
Company: MOHELA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MOHELA has failed to do the following items as of today, XXXX Auto enroll my account in XXXX Provide an accurate total payment amount of the next due payment Accurately count XXXX qualifying payments Process employment certification and other documents in a timely fashion I do not have a clear idea of my PSLF progress or my total due payment after XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation