BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
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: Their investigation did not fix an error on your report

Complaint:
Equifax has done zero investigations on my credit file ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Equifax Escalation Department XXXX XXXX XXXX XXXX GA XXXX XXXX/XXXX/XXXX RE :  Confirmation # XXXX To Equifax Escalation Department : I have contacted the following company / companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding this / these item / items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact this / these furnisher / furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following item / items can not be verified, please delete it / them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( see enclosed XXXX report ) XXXX XXXX XXXX ( see enclosed XXXX  report ) XXXX XXXX PUBLIC FILINGS XXXX ( this item has no information pertaining to me ) COLLECTIONS NO COLLECTOR NAME XXXX {$400.00} ( see enclosed XXXX  report ) How is Equifax able to verify these items when other agencies can not?
621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Please send a complete updated copy of the credit report. 

The clients contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX CC : FTC ( Electronic complaint )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-22
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been struggling to pay my student loans. I am XXXX and the options that Nelnet is offering me just brings my balance higher every time they report to the credit buearus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2017-09-11
Company: EQUIFAX, INC.
State: OR
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:
Equifax was struck by a cyberattack which potentially put my personal information at risk, making me susceptible to identity theft and other forms of fraud now, and for potentially the rest of my life. This is unacceptable. My information should not have been shared or taken without my consent, and I should not be held personally responsible for the the possible damaging ramifications of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I downloaded an XXXX app called XXXX and my Chase bank is supposed to send the information that the apps company needs ASAP. However the bank is slacking which I know is considered misbehaving..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Was not notified of investigation status or results

Complaint:
Account XXXX has been disputed as fraudulent information is being reported, I have contacted XXXX multiple times as they have failed to provide me with documentation or written verification concerning this account. XXXX is reporting this account as open since XX/XX/XXXX, Equifax reported this account open as of XX/XX/XXXX, and XXXX has failed to provide any payment history. 

I have requested and demanded validation on multiple occasions and they have failed to provide me with proof of the debt. Please see below for the dates I have submitted a proper investigation. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
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 my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Flagship reports I paid late During XXXX, XXXX, XXXX and XXXX of XXXX and from XX/XX/XXXX through XXXX of XXXX in collections status. I had attempted on several occasions to make payment arrangements with lowered payment amount however they denied and continued to charge same amount plus late fees. The reason for my request was I was experiencing a financial hardship at that time as my daughter was in and out of hospitalization and experienced a loss in the family

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 2022-01-16
Company: WELLS FARGO & COMPANY
State: FL
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:
Wells Fargo suddenly closed all Personal Line of Credits and this is affecting my credit score badly. I have tried contacting them and they are not doing anything to fix this issue.

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 2021-04-19
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to Dispute on my credit and the investigation has taken well over 30 days to be resolved.

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 2022-06-17
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE LOAN ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX 2XXXX XXXX  3.XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
Im again submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : $ XXXX don't own any of this accounts. Please see to it that they are 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 2019-11-24
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of Identity Theft and the cyber breach, I am a military veteran and I was not in the country when the accounts were established. I filed disputes, the accounts were investigated, determined not to be mine and were deleted. The accounts were then sold to another company and is now reporting on my credit again. I filed a police report, notified all of the legal entities and the Credit Bureaus but EXPERIAN has made my life a living nightmare. The law requires the bureau to report accurate information. Their failure to do so is jeopardizing my employment. I provided the Bureaus with my ID, Credit, Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they removed erroneous information immediately. Its been months and I am at the end of my rope because my livelihood is at risk.

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 2017-09-11
Company: BARCLAYS BANK DELAWARE
State: DE
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:
XXXX XXXX : XXXX/XXXX/XXXX. 
Credit Card : XXXX XXXX XXXX XXXX issued by XXXX XXXX Barclays Bank Delaware ). 
XXXX XXXX : {$130.00}. 
Merchant Name : XXXX XXXX. 
Website : http : //XXXX/. 

Description : The item arrived damaged in very poor condition. It has huge, open knot holes. The tips of the whales tail are missing paint. Apparently, it wasnt completely dry when shipped, as the tips were stuck to the cardboard packaging. There is a gouge in the wood, along with multiple splits and cracks. There is blue paint splattered on the XXXX XXXX teeth. Lastly, I paid extra for XXXX XXXX for outdoor display, but there is nothing that signifies it is an upgraded item. It simply looks like a rejected piece of plywood. 

Website Description : This large XXXX XXXX XXXX, XXXX XXXX XXXX is swimming along with his mouth slightly open revealing his many XXXX XXXX teeth. His tail is turned so you can see the full width of its wings. A true symbol if the enchantment of the sea! Keyhole in the back for quick and easy hanging. He 's cut from XXXX XXXX plywood. 

Sellers description says nothing about item having knots, splits, cracks, and/or gouges. 

XXXX XXXX : Contacted merchant numerous times requesting a replacement or partial refund. Merchant refused. 

Contacted XXXX Customer Service on XXXX/XXXX/XXXX : The back of my credit card statement states, " If you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. '' Even though I tried in good faith to correct the problem with the merchant, and have not yet paid for the purchase, the XXXX Representative refused to open a dispute, nor honor the terms of the 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 monetary relief
Consumer complaint received 2019-11-24
Company: CITIBANK, N.A.
State: VA
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:
I have a citibank credit card and recently I used this card for some transactions. 

I always pay credit card around XXXX of each month. Even though I do not use this card much, I always check my balances each month. Last time, when I was trying to log into my account, the server told me that the server is busy and asked me to try again at a later time. It is partially my fault that I forgot about it, but I think Citibank should also take some responsibility for always making its server available for clients to make payments. 

As I result, they charged me {$25.00} late fee, together with other financial obligations.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: GA
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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF ED/XXXX  XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( 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 DEPT OF ED/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 non-monetary relief
Consumer complaint received 2017-09-09
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:
Hello, Equifax was hacked and did not notify me of the breach until a month later. In a month 's time, an individual with my SSN, and other personal information may have stolen my identity.
I do not understand why they were not fully transparent with this situation. It was reported that this breach may impact me. I would have like to have known way sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
Im again submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX BANK XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX BANK XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : $ XXXX don't own any of this accounts. Please see to it that they are removed.

Company response to consumer: Closed with explanation