BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently learned that my protected personal financial details including SSN, account information, address details, and more were improperly disclosed by Equifax on or about XXXX XXXX 2017. Equifax, by its own admission, disclosed this information to one or more parties who breached Equifax 's apparently paper-thin and entirely inadequate IT security protections.
Solely because of Equifax 's negligence in implementing and maintaining IT security protections, an alarming amount of my personal information is now available in public for criminals and others to misuse. I am extremely concerned about identity theft, financial fraud, and impacts to my businesses as a direct consequence of Equifax 's significant and profound negligence. 

It is crucial to appreciate that the impacts of this improper disclosure will last the rest of my life because the information Equifax improperly disclosed includes aspects of my life I can not readily or reasonably change, such as my SSN and physical addresses. When one combines that information with the information of my parents and wife ( which was also all disclosed ) you have a Perfect Storm for identity theft and fraud. 

It is alarming that Equifax failed to report or provide any information about this improper disclosure until six weeks after they became aware of it. They should have done their duty and timely informed consumers and law enforcement. In that basic responsibility they also failed. Worse : in the interim, it is reported that multiple Equifax executives sold company stock worth almost {$2.00} million dollars. All of that demonstrates Equifax 's true motivations and values : first they imperil consumers through their own gross negligence and then they reward executives who knew or should have known better - and who should have prevented the disclosure in the first place.
I Implore the CFPB to act decisively in this matter. By media reports, more than 140 million US citizens have been injured by Equifax 's failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: GA
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 XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-26
Company: Experian Information Solutions Inc.
State: MD
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 a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX : {$0.00}

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 2022-01-14
Company: I.C. System, 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: Was not notified of investigation status or results

Complaint:
I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

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 2022-06-16
Company: EQUIFAX, INC.
State: KY
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 XXXX Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: The Aligned Company DBA Extra
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: MN
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 did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the same personal information that is breached in order to verify my identity and approve a change.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/2019, I called & informed Chase Bank of my financial hardship due to wrongful termination from a previous employer.I wanted to pay my debt with Chase Bank and they informed me that if I enrolled in a " Re-age Balance Liquidation " program & made 3 payments of {$160.00} from XXXX XXXX XX/XX/2019, then my account would be forced current & reported to the credit bureau as current. 

I completed my consecutive payments of {$160.00} between the 3 month time period and my account was reported as current/non delinquent to the credit bureau on XX/XX/2019 and my last payment was submitted on XX/XX/2019 ( Before the due date of XX/XX/2019 ) which added up to {$490.00}. 

On XX/XX/2019, I spoke to Chase Bank to verify if my account was current and I was informed that it was current. On XX/XX/2019, Chase Bank reported my account as delinquent to the credit bureau as 90 days past due in the amount of {$400.00}. 
I called Chase Bank about this issue & they informed me that my account is not current although I completed the " Re-age Program '' and paid them {$490.00} within the 90 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This company will not update my account for XXXX XXXX the credit report is to supposed to say paid account and have a XXXX balance l.I do n't have a balance with XXXX XXXX I paid account off and the status supposed to reflect the changes

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: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Navient Solutions, LLC.
State: WI
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 had better luck going through you to get a response out of Navient than getting ahold of them directly.

I've been trying for over a year to get back into an income based repayment plan. I was on one with XXXX  before Navient bought them out. Then I submitted everything and somehow my accounted ended up in forbarance. I can't recall why. So earlier this year, I went to submit the application again, with my XXXX and was told that it was too early to apply for IBR. however, I wasn't in IBR, I was in forebarance. I had not been in IBR since the previous year (I may have requested forebarance because I had changed jobs and taken a substantial pay cut), anyway, now I am trying to get the status of my application and I am getting NO response. I use the email XXXX because I just do not have the bandwidth to be calling and calling and calling. You can't use their on line system because I can't just respond to an email. I have to log in and half the time my password doesn't work, so I have to reset it. Its such a convoluted mess. I was having very good luck dealing with the advocates vs the customer service, but now I find I am getting no response with either.

I submitted an application and after 3 retries because either I checked a box wrong or they didn't accept the documentation I'd submitted as proof of payment (which, by the way neither the emails or the letters in the mail tell you exactly what is missing or incorrect. you have to call. then you sit on the phone. then you wait for someone who knows what is going on. This game is exhausting.

I got a late notice in the mail, however, I never got a bill and I've never had a response to my IBR application. 

I want them, AGAIN< to waive all the interest accrued during this maddening process. I want an affordable repayment plan. Or I want the option to have a different lender handle my loans. Someone who actually does what they're supposed to do, like XXXX who I had previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: TX
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:
show i owe XXXX XXXX XXXX when i owe them nothing balance paid i full. moved to XXXX in XXXX XXXX dont owe any bills in 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 2022-07-07
Company: Experian Information Solutions Inc.
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:
I am denied every time I ask for a loan or credit card increase. I received a few letters that explained why and yesterday, I received one that mentioned " key factors that adversely affected your credit score. '' - SSN LIKELY INVALID - LACK OF HISTORY AT THIS ADDRESS - LACK OF HISTORY AT THIS PHONE - INQUIRIES DID ADVERSELY IMPACT SCORE with XXXX. 

Today I received another one that gave me a credit score of XXXX with XXXX. 
This is impossible and shocking. 

I called each reporting agency, and nobody could help me, as always. When the subject of the call is about your three-digit score number, we always receive the same answer from all credit bureaus ; " I don't know why sir, because it's an algorithm, so we do not have a control over your credit score '' or " I have no access your credit score, you need to pay {$990.00} to have 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 explanation
Consumer complaint received 2018-06-03
Company: ERC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My credit report was accessed by someone attempting to open a fraudulent credit account ... .... XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD ), after contacting TransUnion for my credit information The inquiry caused my current XXXX Card to send me a fraud alert ( which we did sign up for several years ago ). I contacted XXXX XXXX and got the information about the inquiry through TransUnion. XXXX operates through XXXX. I had placed a security freeze through XXXX after a fraudulent credit card attempt using them over two years. 

The XXXX XXXX fraud alert services and the XXXX freeze allowed me to observe this latest fraud attempt... .they also recommend freezing credit through other agencies and filing a fraud report to the FTC XXXX 

I now plan to freeze my credit through TransUnion and XXXX but also found out in this process that many other consumer reporting agencies exist like XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX  that participate in offering or selling credit information for any and all credit inquiries as well ... ... .I believe a security alert/ credit freeze due to fraud for one institution should be issued for all agencies simultaneously ... ... .and maybe these agencies could more diligent in safe guarding consumer information without placing the burden on the consumers themselves. 

Additionally, the USPS also contacted me with a change of address request that I did not make.

I had to go through many steps to acknowledge and cancel the request through the USPS. I believe the Identity thieves are using USPS change of address request forms in a series of steps to steal consumer identities through the many credit companies and issue fraudulent credit cards

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: WELLS FARGO & COMPANY
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I already have a complaint filed XXXX. However the person at Wells Fargo who is assigned to handle my complaint knows absolutely nothing about the HAMP program and how it works. She should not be in her position. Her name is XXXX and the phone number I was given for her direct line is XXXX Ext XXXX. She is incompetent and is also refusing to give me timely information. I am requesting a copy of my specific lenders guidelines on a HAMP modification, A copy of a phone call made on my behalf on XX/XX/XXXX, Also a copy of HAMP rules stating the number of modifications, forebearances, and repayment plans allowed to an individual. I am also requesting that if these can not be given to me within 48 hours ( by Wednesday XX/XX/XXXX ) I am requesting a postponement on my foreclosure sale. I have been told so many different things and been lied to by my lender. I want all of the rules in writing this time.

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: 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: Account status incorrect

Complaint:
In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

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 2022-06-16
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Wednesday XX/XX/XXXX somebody did a transaction on my Chime account. The person basically wiped my account clean. I changed my password as Chime told me so. Later on a representative told me that I would get provisional credit in 10 business days. Instead of doing a proper investigation and provide the provisional credit, chime emailed me on the same day of the dispute and informed me that I wont get my funds back. I provided all the evidence and information they needed. The total funds stolen from my account was {$1500.00}. A {$1000.00}, {$300.00}, and {$200.00} transaction. Chime didnt do anything to stop any of these transactions. Given that there is a name to who the funds were transferred to, Chime still didnt block the person and recuperate my funds. The stealer won and I the person who worked hard for the funds lost. It took me 2 hours to get to their customer service and they were careless about the whole situation. They even hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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: Account status incorrect

Complaint:
In or around XXXX XXXX, I paid the credit card balance in full for the amount of {$380.00} my credit line was only {$300.00}. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory statement from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.

Company response to consumer: Closed with explanation