BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

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 2022-08-05
Company: WELLS FARGO & COMPANY
State: NC
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 asked this institution for a list of my accounts. B/c of the fraudulent acts that this bank have made to keep from the account that have my name on it. The trust, est or saving that belongs to me. My personal information has been used fraudulent therefore collecting my account summary is important. The state and federal agencies has taken steps to block the fraud. The bank have refused my attempts to stop the fraud. 


The bank has kept me for my funds. Reps in the banks has denied several in branch attempts to provide my information. They are trying to help destroy my credit to hind the fraudulent opening accounts in my name. Protecting their employees is better than standing in their truth The account was paid, but the amounts never was credited to the balance.

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 2017-09-08
Company: EQUIFAX, INC.
State: MO
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:
Information was compromised by Equifax when they were struck by a cyberattack that may have affected up to 143 million customers from mid-XX/XX/XXXX through XX/XX/XXXX of 2017. I have placed a fraud alert on my account, and am debating applying for Equifax 's PremierID service. Equifax has set up a website, equifaxsecurity2017.com, to help customers identify if their account was potentially stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Exeter Finance Corp.
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 information incorrect

Complaint:
hello this account is invalid because the date of last payment is completely inaccurate XXXX and XXXX say it was on XXXX and XXXX says that the last payment in the account was in XXXX the fair credit reporting act established that all the accounts reported in a credit report have to be 100 % accurate and verifiable if it is not it have to be removed from my credit report EXETER FIN reported this account but the information is completely inaccurate. I have already sent letters to XXXX about this account but I did not have any type of answer from them this is a violation of my rights as a consumer, please removed this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
Hello, On XX/XX/2017 I was notified that Equifax was breached and that the data of over 125 million Americans were made available.
I used the tools provided at https : //www.equifaxsecurity2017.comXXXX and found that I was indeed included in this breach.
As part of Equifax 's compensation for this, they are offering a year of their XXXX XXXX for free. However, in the Terms of Service for this product, I must agree to an arbitration clause. I will not subscribe to their service due to the arbitration clause. Additionally, I find only a year of coverage to be insulting. I believe 5 years should be the absolute minimum considering the scale of the breach.
As a Information Security professional, I decided to look into how this data was breached and found this article : XXXX XXXX XXXX.
If the contents are true, and Equifax did not patch a known vulnerability, they should be penalized to the fullest extent of the law. This borders on criminal levels of negligence and is usually the result of a poorly funded and staffed information security department as well as falsified audits for PCI compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in a deferral period with both Fed Loan Servicing and XXXX and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
i was banking with Chime. My card was stolen multiple times and many transactions were not made by me. when I reported this they denied my claims. i would be happy to give you dates and times but I do not have access to my account. My bank decided to close my account. They said via email it will be XXXX  days until my check is sent in the mail its been a month and I have not received a check with my finally balance on my account, I have reached out to chime support services many times and nobody is willing to call me or yet even respond back with a non automated email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 and XX/XX/2022 I sent to the XXXX XXXX XXXX Equifax letters informing them of my series of unfortunate events that had taken place without my knowledge. I had been defrauded and taken advantage of by an unknown assailant and this is what I explained to Equifax via letters on several different occasions. In these letters I sent to Equifax I had included laws, dates important to the theft, an FTC Report as well as other explanations to support my claims. After all of my efforts and time spent trying to rectify what has happen to me unlawfully I am still being negated and I feel not taken seriously. I demand the crime I have been victimized by be given the proper consideration. see attachments for proof of claim, proof of Identity, as well as proof of current address is on my Drivers License and this will have to suffice because I have no bills or mail at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX to go a dining set on XX/XX/2021 for the amount of {$1500.00} with an interest-free promotion. Room to go is charging me a security fee that I do not authorize in XXXX this fee adds {$200.00} to my account they say it is insurance when I contact synchrony bank but they never put insurance on my purchase. The promotion is XXXX months without interest, this would add {$400.00}, this is XXXX XXXX above, this is a steal. They do not want to reimburse me for this money that I do not authorize to collect.

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 2018-11-07
Company: DISCOVER BANK
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Due to ongoing medical issues, my son is unable to pay his Discover student loan, so I, as the cosigner, have taken over. I have repeatedly asked them not to communicate via phone but to use email instead. Despite this request, I get daily phone calls even though the loan is current. Their response is always that the calls are on autodial and they don't actually know the status of the loan when they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is regarding an account, which you claim I owe {$94.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 2017-06-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I recently complained  to Consumer protection Bureau about Unauthorized access by Navient group of companies. Today when I checked my ac count, they have cancelled auto pay and I am unable to add any of my bank accounts and my loan account shows over due payment by 2 days. I tried to add a different account and I am unable to do it either.   XXXX  Navient seems to have serious problem with their automated transactions. I need help and I need to keep my loan payment current. I have never been delinquent and have completed  XXXX  loans well in advance.   XXXX  Please assist.   XXXX  Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KS
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:
Data breach by Equifax- their records indicate my information was stolen. Their website is attempting to enroll people that were effected in a XXXX account that waives their right to sue Equifax for their security lapses. I, along with millions of others, are now open to potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My credit information was compromised by Equifax they confirmed this through their website : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This was made public yesterday XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
XXXX  has not corrected the incorrect mortgage payments with Wells Fargo. I was never late or missed any payments From XX/XX/XXXX to XX/XX/XXXX. Wells Fargo Sold the loan in XX/XX/XXXX while still collecting my Monthly loan payments. Then filed foreclosure after the mortgage loan was sold by Wells Fargo. Wells Fargo never informed me that the loan was sold in XX/XX/XXXX. Then Wells Fargo filed foreclosure while still collecting my on-time Payments. Then Wells Fargo Dismissed the foreclosure after it was revealed that Wells Fargo Committed fraud regarding servicing and Payment History. Which I supplied all the relevant documents regarding my claims as facts to XXXX. Wells Fargo Filled wrongful foreclosures on me in XXXX and XXXX and dismissed them both. I want XXXX  to remove account regarding Wells Fargo in my Credit Report which is fraud.

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 2022-08-25
Company: Healthcare Receivables Group, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, I said in my dispute : I did receive medical care but I had Medicaid because I was XXXX  and unable to work! This debt was incurred because the insurance coder at the medical facility entered in my insurance info incorrectly or failed to enter it in. I never received any bill or other communication from this facility so I thought the bill was paid by Medicaid as it should have been. Now they have turned it over to collections when I was never even notified. I tried to contact the hospital to get them to run my insurance info but they wouldn't because this was in XXXX. It is their employees fault and I am not responsible for this debt! I had no income due to high risk XXXX, I had my daughter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is in collections, the only collection I have. Collection Agency : HEALTHCARE RECEIVABLES GROUP. Original Creditor Name : XXXX XXXX XXXX XXXX Amount {$520.00}. 

Company responded on XX/XX/XXXX : Company 's Response Thanks for sharing this information. We are closing your account and returning it to our client so it can be properly handled there. We are also deleting the account from the credit reporting agencies. 

I have been fighting to have this removed for over a year now. At this point, the debt should have been removed per the companys information theyre providing me but I have disputed this debt with XXXX multiple times & they keep coming back saying the debt has been verified by the collection agency as accurate! The debt is from XXXX & has surpassed the statute of limitations for Virginia at this point. I want it removed from my XXXX credit report.

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 2017-09-09
Company: EQUIFAX, INC.
State: AZ
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:
Due to Equifax 's failure to A. Protect my financial information and B. Fail to disclose their failure in a timely manner, according to their website I may have been affected by their data breach. I did have to close my bank account in XX/XX/XXXX as a result of unrecognized charges, and then proceeded to place a fraud alert on my credit information with Equifax. While I can not definitively point to their data breech being the cause of my bank account being compromised, had I been made aware of their failure, I could have taken protective measures much sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
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:
XXXX XXXX, XXXX has tarnished incorrect information To all three credit bureaus that has ruined my credit by 55 points I was in rolled on the program for over a year and has done very well on the program. XXXX XXXX  Hardship DEPARTMENT extended my Hardship program for an additional three months only. My payment amount went from $ XXXX- {$30.00} for the for the last three months of the program. My last payment of XX/XX/XXXX was for {$35.00} and was paid before XX/XX/XXXX which is the due date. XXXX payment wasPaid on XX/XX/XXXX Ill go do on the XXXX. This does not constitute a 30 day late payment be that XX/XX/XXXX was paid on time. 

I have encountered very rude service agents That have done nothing but compound the issue and not have tried to resolve the issue. I feel as though this is discriminatory due to my age and my ethnicity. The agents need to ensure that card holders are making the correct amount payments. Agents have access to the most accurate in recent information on cardholders accounts I feel like the year into three months that I have been on this hardship program has been wasted by this incorrect reporting that this company has provided to all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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:
Eq uifax Inc. 's systems were struck by a cyberattack that affected approximately 143 million U.S. customers of the credit reporting agency. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers were accessed from XX/XX/XXXX through XX/XX/XXXX. My personal information was included in the leak, and I was not informed by Equifax. Even though they have all of my information, no notification was received via mail, email, or phone. I was notified through a third party ( XXXX XXXX ) of the leak and am in the process of taking steps to prevent possible damage to my credit/tax information including putting a 90 fraud alert on my credit reports, updating my personal and account information through my identity protection service, and filing this report. Further Action will be taken if fraud or identity th
eft results due to this leak.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My transunion report shows a 30-day late payment for in XX/XX/XXXX my student loan serviced by XXXX XXXX in conjunction with XXXX XXXX University. XXXX XXXX was the direct servicer prior to that. When they entered the agreement with XXXX they released all auto-pay features and provided minimal details on how to make our payments to the new servicer or showed when they were do. The transfer of service occurred starting with the XX/XX/XXXX payment. Moreover, I still managed to make the XX/XX/XXXX payment in a timely manner, and in fact was charged twice. If it was for the XX/XX/XXXX payment, then that was because the new servicer had never alerted me, nor had either provided a means of access to the account. They made it an absolute pain in the behind to arrange a new auto-debit. Just look at my payment history, XX/XX/XXXX was  never late. The missing payment there happened during my 60-day service transfer window mandated by federal law.
Thanks

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