BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: UT
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 SSN, DOB, address, driver 's license number, credit card numbers, and potentially other personally identifying information was part of a cyberattack carried out against Equifax Inc. earlier this year. My information is now accessible to any would be identity thief.
Furthermore, Equifax did not disclose information to me of this attack until several days ago, months after the breach occurred. This has given identity thieves months to plan and/or carry out an attack on me. Equifax has displayed disregard for me and 143 million others in not disclosing the nature of this attack in a timely manner.
In an attempt to pacify the victims of this attack, Equifax has offered to provide 1 year of identity theft protection. I feel this is insufficient for two reasons : First, I do not trust Equifax to provide competent protection, as they have clearly proven they can not handle my private information correctly. Second, language in the Terms of Service when agreeing to their Identity Theft Protection Program explicitly bars me from any future litigation. Without knowing the actual impact of this cyberattack, these terms are not acceptable.
In short, Equifax needs to be held accountable for their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent letters to both XXXX and XXXX on regards to the collection agency with false claims of having an account with them knowing that I do not have any signed contract with southwest credit solutions and they have failed to provide any paperwork or signed contract with them.I sent dispute letters to XXXX and XXXX on XX/XX/2022 and also on XX/XX/2022 and they still have failed to correct the issue and remove the collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my Experian. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my Equifax. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
This item is reporting late, yet it is closed and the balance is XXXX as reported in my Transunion. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 non-monetary relief
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They show that I owe XXXX card {$930.00} which is wrong this card/loan was paid off as of XX/XX/2023 there is a XXXX balance I have disputed this time and time again the card is telling them there is no balance again someone is not doing their job. This could have been verified with a phone call to XXXX  and TransUnion does have the number.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have been patiently waiting on Transunion 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX  XXXX Bankruptcy # 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 2022-01-17
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I have been patiently waiting on Experian 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the public record reporting on my Credit Report : ( XXXX XXXX  Bankruptcy # XXXX XXXX-Discharge )

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 2023-04-11
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-11
Company: MIDCOUNTRY FINANCIAL CORP
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am currently XXXX XXXX military and have been trying to obtain my secret clearance. On the process of doing so I found some creditors from accounts that my ex-wife opened without my knowledge. Two of the accounts were from the same Creditor by the name of XXXX XXXX. When I called XXXX  to find out where the debt was from and see if there was anything I could do to resolve the account they told me that they didn't have the contracts or agreements of the loans. They simply had a letter with very vague info stating the amount owed on the loans. The account number XXXX  that was charged off was for the amount of XXXX and they want XXXX to settle the debt. The other account they claim is mine is XXXX  in the amount of XXXX XXXX to settle. They do not have proof that the accounts were opened by me and the accounts are no longer on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 my account was charge twice for the amount of {$110.00} and {$170.00} from XXXX. The valid amount is {$110.00} and the invalid amount is {$170.00}. I have called both parties XXXX and chase for a refund. XXXX said they wont be able to do anything and I must called chase I then called chase and they had said they will place a temporary credit of {$170.00} which I never received. I called chase again today XX/XX/2018 and I only received attitudes and was told they cant do anything at the moment. All I want is my amount of {$170.00} I dont have anything to feed my kids or myself Now because of this. 
Thank you, If you can please help it will Be very much appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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 see inquires on my credit report that I dont know what they are. More than one. XXXX XXXX XXXX XXXX XX/XX/XXXX. I dont know what that is and I didnt inquire anything from them. As well as XXXX XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. I believe someone is using my information.

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 2019-11-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB officer. 
I received an offer in the mail ( attached ) from Citibank  to open an account and fulfill the terms and conditions to receive XXXX XXXX XXXX  Aadvantage miles. I opened the account online on XX/XX/2019 and completed the required deposit ( {$15000.00} ) on XX/XX/2019. I maintained the minimum balance of {$15000.00} for more than 60 calendar days following the date of the deposit. However, I havent receive the bonus yet. I did a chat with a citi bank representative on XX/XX/2019 and they confirmed that I met all the requirements and I should receive the bonus on XX/XX/2019. 

I did a second chat with a citi bank representative on XX/XX/2019 and they again confirmed that I met all the requirements. In addition, they mentioned if the bonus is not deposited by XX/XX/2019 then they will submit the dispute. 

I did a third chat with a citi bank representative on XX/XX/2019 and they submitted a dispute regarding the bonus. They specifically said We have placed a request regarding this to our promotional marketing team. You will be notified via e-mail and outcome of the investigation within 3-5 business days. Till todays date, I neither received any email and outcome of the investigation nor the advertised bonus. I have saved the transcripts of all my chats and can present them as a proof. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely, 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 2017-09-11
Company: Innovis
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like for the credit bureaus to remove all fraud alerts on my credit profile unless I call or send in any letters saying so. I am tired of being embarrass when I apply for new credit. It is ridiculous to always be denied and not instantl approved of credit because my fraud alerts. Please remove them now within 24 hours of receiving message. Also please remove any address, names, social securities. I also want to permanently opt out of any marketing advertising and please do n't sell any of my information to any creditors or any companies or you will face consequences in court against me. Remove any employer information that is on my credit report. Please send me a newly revised credit report from all 4 credit bureaus with updated information. I did n't give any consent for any inquiries on my credit report. Show me your verification process and how these inquiries were placed on my credit report? It 's so much XXXX that goes on with in credit and you guys try Remove them as well, all inquiries please XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. Please prove your verification process please send me information on how you verify information please. I need step by step. I have filed complaints online and certified mail to FTC, XXXX County Courthouse, BBB, an Affidavit that will be sent over to you.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX XXXX Innovis

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have submitted this complaint to this company and have not received the desired results. Based on the information provided, this company should remove all late payments listed in the documents provided. According to 15 usc 1681b, My written instructions are necessary to furnish this information and to also create change where i see fit. Please assist myself and this company with remedy, this is indeed my FINAL attempt at civil mediation.

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 2019-11-25
Company: EQUIFAX, 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: JPMORGAN CHASE & CO.
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:
AN UNKNOWN 30 DAY LATE IS REPORTING ON MY CREDIT REPORT IN ERROR FOR THE MONTH OF XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, On XX/XX/2022 i receive a text alert from my Bank ( Chime ) that a transaction of {$630.00} was processed by XXXX. I did not recognize this company so I immediately logged into my account and saw that the amount was in fact pending. 
I contacted Chime and informed them that this was an unauthorized transaction and they told me to file a dispute. I filed the dispute once the transaction was no longer pending per their request and they informed me it could take till XXXX for them to complete their investigation. No more than 1 hour later I receive an email from Chime saying they have finished their investigation and there was no error with the transaction and they have closed my case. I asked them to provide me documentations that they used to come to this conclusion and they said they can not do it. I asked them to provide me the IP address that was used to make this transaction and they refused as well. 

I have now been unable to reach out to Chime and they will not connect me with a supervisor, all they do is tell me to email XXXX and I am getting automated standard response.

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

Complaint:
This loan was applied for in my name in 1990. Since then I have been unsuccessful with removing it. Ive even called the Debt Collector and explained to them what happened and they would not listen to me, instead they kept offering me a settlement.

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 2022-01-17
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent discover a validation of debt and cease & desist letter on XX/XX/2021. Discover received the letter on XX/XX/2021. They only sent account " statements '' They never sent me actual validation of the DEBT. They violated me under the federal consumer protection laws. There are 5 requirements to validating debt under 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Im not sure of the exact dates. But within the last 7 months ive submitted letters to to XXXX, XXXX  and TransUnion to have them remove a lot of credit inquiries from my credit report.. the only response i get from lall three bureaus is that all the inquiries are validated.. validated how? Ive never gotten a detailed examination of each bureaus imvestigation. The majority of my inquiries are unauthorized. Ive also called all three bureaus and they are no help.. Im tired of my inquiries stopping me from getting approved for anything. I work hard everyday and cant get what i want because of the shady nature of the credit bureaus refusing to acknowledge legitimate credit inquiry removal letters.

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 2019-11-25
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I was scammed twice using my Wells Fargo debit card. I used it once through XXXX XXXX for {$400.00} dollars and once again using my Wells Fargo debit card through XXXX for {$300.00}. I was trying both times to purchase XXXX  tickets and paid both times and never received the tickets! I contacted Wells Fargo and XXXX to file fraud charges and I received a letter from the bank saying they couldnt help me even though I told them it was a scam/fraud. I am really unhappy with this! I am a single mother of XXXX and I cant believe they cant help me get my money back or issue me a credit! Please help so this doesnt happy again to someone else!

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