BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: CT
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: DISCOVER BANK
State: CT
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Consistent on time payments with XXXX XXXX XXXX XXXX. This account was opened XXXX closed in XXXX as PAID as agreed. Now they have updated my credit report with this SAME account that was closed and attached late payments to it. I disputed it with the credit agencies and the error remains on 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 2021-04-20
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX contract was complied fully with, All monthly payments per contract made. Confirmed with representatives and have employee ID 's. Refused to resign another contract with them. Returned there equipment and followed all instructions to fully satisfy any obligation. 4 months to 6 months after leaving XXXX XXXX attempting to collect debt without providing proof of the debt. The debt was disputed as not being old. The 3rd party collection company Credance takes the bully approach the debt was validated and owed. XXXX proof. Its typical XXXX XXXX XXXX crooked 3rd party collections and not compliant with FCRA and common decency and respect. Instead they choose to threaten a persons credit, pay or else. Documentation has been collection for further action, One further action is this complaint to CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Open Date XX/XX/2010 Balance : {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: National Credit Systems,Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : NATIONAL CREDIT SYSTEMS Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NY
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:
Late reports need to be removed Accounts Ever Late 2 Also the enquiries need to be removed XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Account Type Installment Loan Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: PENTAGON FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Last summer, XXXX XXXX XXXX XXXX decided to merge with Pentagon Federal Credit Union. Very little ( less than 3 days ) notice was given to members of a meeting that a vote was to take place. At the meeting, ballots were destroyed by staff at the end and the vote was obviously a foregone conclusion. Members were enticed to vote for the merge by a promise of a credit to their Share account ( which at the required {$5.00} amounted to less than a nickel ). The leadership of XXXX received extremely generous payouts for the merger ( hundreds of thousands of dollars ). Regardless, the merger went through. Pentagon went on to pay lower rates on some products ( i.e., they did not honor XXXX 's rates ), bought the most expensive piece of real estate in XXXX XXXX for new headquarters, and hired the top lobbyist with the XXXX XXXX XXXX and a former critic of the bank bailout as its government lobbyist ( both questionable hires and for considerable sums ). Last week our business received an email that PenFed would be closing all business accounts in XXXX. We have been members for over 20 years and this poses a business hardship.

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 2020-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc

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 2017-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Despite writing two letters to Capital One to correct my payment history across my three credit cards, they continue to report no payments for XXXX andXX/XX/XXXX on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 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 instruction. 

15 USC 1666B A creditor may not treat 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
Consumer complaint received 2017-09-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Between XXXX-XXXX 2017, my credit report was improperly handled by Equifax and was one of the 100+ million people affected by this breach. The actions by several of their managers ( selling their company stock without proper disclosure before the news went public ) shows they have no urgency to make this right. They are seeking to limit their liability and taking no steps to help customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: DISCOVER BANK
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My account is in a chargeoff status and I have NEVER been able to get any information Discover refused to send statements, refused to give online account access and Still to this day can't tell me where my payments went or how they were applied. I received a history breakdown finally but it does not balance if I add their columns for amount paid, amount applied to principal amount applied to interest it does not balance by several thousand dollars. I asked again for a better breakdown of payments since they are grouped in this sheet for two accounts. the rep said it was approved and being sent to me. I received a letter today and once again it says they can't provide the information because the loan is in a chargeoff status and that I should call once it is in repayment. It IS in repayment and has been in repayment since XX/XX/2014. They know it is being repaid but are still giving me the run around. Now upon further review of my account it appears the interest rate should have been a variable rate and it appears I have been charged a fixed rate of 7.5 % which is much higher than the agreement I had specific payment arrangements for each account and they applied them wherever they wanted even though Discover and XXXX stated in writing that the amounts would be applied to specific accounts. I strongly feel that Discover student loans and XXXX and associates have employed deceptive illegal tatics to get customers to pay more than they owe by complicating things so much that the information can't be deciphered. Now they can't even figure out what is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I disputed an account with XXXX, the account was reported by United Revenue Corp. for {$840.00}. XXXX sent me a result stating that this account was removed from my report, but it was not. I called XXXX  trying to get answers, the representative was rude and unwilling to help. He insisted that this account was a updated as accurate by United Revenue Corp . This account listed on report as opened on XX/XX/XXXX, but never reported till XX/XX/XXXX. I want to know if this account was accurately reported and meets the Fair credit reporting Act requirement, then why XXXX first concluded it's investigation with a result of removal and then changed it to updated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Account status incorrect

Complaint:
EQUIFAX INC. is reporting private information that was meant to remain private. This is an invasion of my privacy and immediate and prompt attention to this matter is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Experian Information Solutions Inc.
State: ND
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:
Complaint is related to EXPERIAN Report Number XXXX, dated XX/XX/2018, in which EXPERIAN continues to erroneously claim that I own XXXX/XXXX XXXX   Account XXXX. Since I have never had any account with this bank, EXPERIAN 's " reinvestigation '' of my dispute clearly was cursory and negligent.

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 2020-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 recently contacted Capital One Credit Card to have them remove all the VERBIAGE posted in the comments section permanently from my Capital One Credit Card file. I spoke with their credit services department related that the don't have a credit bureau department to remove the dispute comments. So, I then contacted all three credit bureaus who immediately deleted all verbiage in the comment sections. Within a few days I received credit alerts from XXXX XXXX XXXX stating that the comments were added back to my Capital One Credit Card File.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: EQUIFAX, INC.
State: AZ
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:
XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX  on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of XXXX medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : 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 Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Atlantic Recovery Solutions LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My boyfriend received a call from XXXX XXXX at Atlantic Recovery Solutions on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him. 
XXXX also told him that a judgement was about to be filed against me for the amount owed. 
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter. 
This is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: AES/PHEAA
State: IL
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:
I have worked in qualifying public service jobs my entire career spanning 39 years since XXXX. 
I took out Direct Parent Plus loans believing what I was told by Fed Loan Servicing and the US government about receiving forgiveness through the PSLF program. 
My wife and I have been paying on these loans since XXXX. 
The limited waiver was going to be a lifeline to allow us to retire. 
We were promised by Fed Loan Servicing and the US government the exact same things and have endured the exact same major failures as non Parent Plus loan holders. 
Why in heavens name were we excluded from the XXXX limited waiver? 
What could be the reasoning for this? 
Is our own Parent Plus PSLF waiver coming up in the fall? 
How could this exclusion have been allowed? 
Is this another case of age discrimination or are older Americans not seen as having enough power to demand our rights?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Some one opened an account in my name. Very difficult to fix not sure if it fixed. Contacted Bank of America still not sure if they fixed it. They transfer my call. Spent hours on the phone and seems like they messed up and dont want to take responsibility for it

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