BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
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:
" Here are the facts, according to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' Equifax waited almost 3 full months before letting consumers know about potential identity theft. I do n't have a choice on whether or not they collect my information, so it needs to be protected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
Equifax Inc. insufficiently protected my data, and subsequently allowed it to be taken in their recent security breach. Equifax Inc. failed to notify me at the time of the breach, so my data may have been in unscrupulous hands for over two months while the company failed to take action to inform me. While I have not yet experienced identity theft as a result of this negligence, I expect better of a company that has access to sensitive financial information of hundreds of millions of Americans. I hope that Congress will take action to require accountability for major breaches such as this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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: Information belongs to someone else

Complaint:
Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the XXXX Credit Bureau, the Experian and XXXX Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the XXXX Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been attempting to lower my payments with Navient for over the past year, they have told me no until recently.However, the payment they offered was still impossible to make. On XX/XX/2017, I spoke with my assigned specialist, XXXX, and made a {$50.00} payment. I was told by the XXXX that they were placing loan XXXX in to a 7 month forbearance since it was the most at risk of default. On XX/XX/2017, the payment cleared my account. Navient is not showing this payment in my payment history and all three of my private loans are still in repayment. Over the past several months they have sent me numerous letters indicating I am at risk of defaulting. I have made regular calls and each time I am told that they have been attempting to reach me for months, this is completely false as I continue to call them and attempt to make payment arrangements that are realistic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
XX/XX/XXXX : This morning, I became aware of the Equifax breach which happened between XX/XX/XXXX and XX/XX/XXXX and I entered the last four digits of my social security and my last name on the following website to check if I was a possible victim of identity theft : https : //www.equifaxsecurity2017.com/XXXX. After checking, I was given the following notice, " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I went ahead and ordered my credit reports through XXXX, checked for any discrepancies and followed up with a 90 day fraud alert as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Chime Financial Inc
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been a Chime account holder for over a year with no problems. I have been a huge fan and promoted this company to many. 

However, since my last direct deposit my account was suspended. After seeing it was it was suspented I went through my emails and found two emails from Chime in my spam folder. 

I promptly replied to those emails ( on Monday ). They asked for a copy of my ID front and back, and a utility bill. Just to be safe I sent them a picture of my SS card, a selfie with my ID/note, and in one my email replies I also sent an explanation of a few transactions ( inbound and outbound investment sells/purchases ) they had asked questions about. Those transactions were part of me diversifing investments. I sold some investments and rebought some new investments, pretty straight forward. 

I understand it takes time to review documents, but I have sent them EVERYTHING and more than they requested 7 days ago and currently have {$4000.00} of direct deposits from my employer stuck in the suspended account. 

At this point I am desperate to access my funds so I can pay bills. I have called Chime 10+ times and told I will get a response from the review team within 2 hours which has never happened. 

I don't know where else to go or what else to do, all of my information is accurate and matches my profile when I opened my account. Everything matches my ID, address, be and utility bill. MY FINDS ARE BEING HELD XXXX and I can't get a reply from the " right '' department that doesn't take phone calls. When I do call the reps that answer are nice, but they say they can't do anything. They verify that all of the info/Docs have been recieved and look good but they can't unlock the account only the other department can, and the only way to access them is through email. 

I have sent tons of emails to many departments with no replies Please provide me with access to my money via chime or a check to my address you have on file that matches my ID and utility bill. XXXX Chime... this is my money to pay my bills, you can just take it and not reply. This isn't fair and I don't know who else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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 data was involved with the Equifax data breach of 2017. They knew about the breach months ago but I have just heard about it now. 

My personal information has n't been used yet, to my knowledge, but now my SSN, credit card numbers, DOB, and potentially my driver 's license number are now public knowledge. They should have safeguarded this information at HIPAA levels, this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions 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 sent an reinvestigation request regarding my credit report over six weeks ago and I have not received any reply. I have will upload the actual reports of all the discrepancies showing EMPLOYER IS WRONGLY SHOWING- PLEASE DELETE XXXX  XXXX   XXXX - - never received mail - provide proof of documents never being late -- wrong opened date and wrong limit XXXX  XXXX never received mail - provide proof of documents never being late- - wrong opened date and wrong limit XXXXXXXX XXXX XXXX - send proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX   XXXX proof- never late account tapered with due to lost stolen - provide me documents to show the proof- XXXX XXXX XXXX XXXX never disputed - REMOVE THE FALSE Comments

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 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I received a recent copy of my consumer credit report and noticed some unauthorized inquiries and COLLECTIONS that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.

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 2019-07-31
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Hello, This is XXXX XXXX. I would like to file a complaint against Wells Fargo. I submitted a check for {$5000.00} as a deposit for a service into a group of scammers account on Friday XX/XX/19 Transaction # XXXX XXXX. Shortly after I realized it was a scam email account I was talking back and forth with to book a band for an event I had XX/XX/19. I placed a stop check a few hours later on that same Friday. I went into the branch Saturday morning to make sure it would not go through and to inform them of the scam. I was assured from what they see it was stopped and wouldnt go through. However, I was advised to take my money out of my account by the banker so if it did try to come out it would bounce. Monday comes and my account is in the negative by $ XXXX. So I contact Wells Fargo fraud department. It takes a little time but they end up finding out who the scammer is behind all of it and many more scams. Problem is Wells Fargo is hounding me for the money and about to put it in collections although they know for a fact I was scammed. They are saying only thing I can do is file a police report and go after the scammers. I do not feel that is fair when I did a stop check 3 days before they put it in their account. 


XXXX XXXX was over my fraud case and will vouch for this whole situation. 


XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX My account number before account was close was XXXX I can forward you guys the email messages of me and the scammer going back and forth. I can also provide the fake contract they sent. I have text messages of the scammer getting scared saying he will get the money returned. My check memo even shows I was booking a artist which I didnt receive that service because it was a a scam all the way around. I can also get document proof of time I stopped check and date they still let the check come out when I told them it was a scam many of times. 


Fake email booking they were using XXXX XXXX XXXX email is XXXX They add S after booking Account Scammers used BANK : WELLS FARGO ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : 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 2022-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im sending a complaint to you today to notify you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file 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 delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX : {$440.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the XXXX U.S.C. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by XXXX XXXX that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is to follow up any response from the Credit Bureaus after 30 days of investigation. As I reviewed my Credit Report I noticed that there is still an account that is reporting erroneous and incorrect information. Right now, I am not satisfied that the Credit Bureaus have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sensed that the remaining account needs a proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation. The account XXXX XXXX XXXX XXXX with Balance Owed : {$810.00} is showing an inaccurate payment history and payment status. A charge-off account should show XXXX balance. This inaccurate information continues to do harm to my credit. I am asking the Credit Bureaus to provide me proof of the last payment. Otherwise, remove this account completely from my Credit file.

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 2022-07-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon securing an updated copy of my Credit Report, I hurriedly checked to see if the items I previously disputed were removed. I am disappointed to see that there are minimal changes made on my Credit report. Even though I'm grateful for the efforts done by the Equifax Credit Bureau, the XXXX and XXXX Credit Bureaus had done nothing to correct my Credit file. Despite the letters I have been sending to the Credit Bureaus, only the Equifax Credit Bureau had done the right thing to remove the fraudulent items from my Credit File. I previously sent a letter to the Credit Bureaus on XX/XX/XXXX hoping that the Credit bureaus would take the initiative to remove the items that resulted due to the theft of my Identity. I am submitting this complaint through the CFPB to remind the Credit Bureaus of their duty to comply with the FCRA regulation section 605b and delete the fraudulent items completely from my Credit File. Once again, I am urging the Credit reporting agencies to remove the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$690.00} XXXX XXXXXXXX Balance Owed : {$630.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation