BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out several loans from XXXX back in XXXX. I had a substantial amount of debt with Navient / XXXX. After graduating, I was employed but making hardly anything to support myself let alone pay $ 1000+ a month.

After many many attempts of calling them trying to resolve something, I got nowhere with them. They would hang up on me, threaten me to sue me and garnish my wages. I got sarcastic back once and told them I work for my father and that he will pay me under the table. They did n't like that very much. The manager the one time screamed at me telling me I should 've never taken out the money if I could n't afford to pay it back. I told them I had a choice between going to college or flipping burgers, I chose the college way. Down right nasty. The ONLY OPTION THEY GAVE ME was defer my loan for 3 months for {$150.00} and after 3 months, they 'd ask for the full amount. That was my only option available. At the time, I had {$2.00} in my bank account due to a job loss and had no way to eat. There was no way I was going to pay them a cent towards anything. 

After getting nowhere with them, I stopped talking to them. I stopped answering any of their calls. I changed my number and address many times. They sent me many letters and all were ignored. My credit went to the sewers since. I can not even get a car in my own name, can not get an apartment or even a simple appliance from XXXX when my fridge died. Things have been very rough the past decade with money let alone having XXXX credit score.

I suffered for many years with credit issues because of them. I taught myself how to pay with everything with cash. If I do n't have the money, I do n't buy it. They would not work with me. They gave me no choice but to ignore them. I was tired of being yelled at and harassed. If I hit the lottery tomorrow, they still would n't get a cent from me. Stay far away from Navient. They are terrible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I wanted to get a free copy of my credit report online via the XXXX site. I went online and chose TransUnion as the company from whom I wanted the report. During the identity verification process, one of the questions was structured as follows : Which of these people lives in or owns property in Texas? 
a ) Unfamiliar name ... 
b ) Unfamiliar name with surname same as mine ... 
c ) Unfamiliar name ... 
d ) Unfamiliar name ... 
e ) None of the above. 

Now, Texas is a big state. While I don't personally know that any of these people live in or reside in Texas, I'd be willing to bet that somebody with each of those names lives there and/or owns property there. So, I can't choose any of the names provided because I don't know for sure, and I also can't correctly or truthfully choose " none of the above, '' because it's likely that one or more people with those names DO live/own property in Texas. 

There was another similar question which I don't remember. After being denied my credit report, I called TransUnion and complained about the format of these questions, i.e. that they can not be accurately and truthfully answered as written. The TransUnion people were unhelpful, insisting that the questions are generated by " the system '' and that the correct answer would be " none of the above '' because " obviously none of the other choices apply to you. '' I don't think that's good enough. Because of the poor wording of the questions, I was denied an online copy of my own credit information, and now must wait for a copy in the mail, an inconvenience for me. I assume there are others in the same boat. 

Moreover, I feel strongly that for something as important as an identity verification for a credit report, sloppy wording of questions should not be allowed. A person should not have to " fudge '' their answer just to get a copy of their own information. What other sloppiness exists over at TransUnion? There have been many stories in the news about poor handling of consumer data. This type of question, and the HelpLine employees ' tone-deaf response, only reinforce the notion that the credit reporting companies don't really care about protecting the data of the consumers whose information they collect and mine for profit. Aren't there minimum standards for handling of consumer data? 

Thank you for your attention to my complaint.

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 2019-07-04
Company: National Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am. Trying to settle a debt with a company called national credit service. 

I was trying to explain my case, dispute a debt. 

I have a documented XXXX of XXXX  XXXX and have send over my ssd papers multiple times. Im also being told different times that I can be released from their XXXX  program This is causing me stress and causing my XXXX to worsen. This is greatly affecting my credit and FIOS score, thus my housing situation as Im unable to buy a home. 

Please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have contacted these bureaus to remove these unauthorized inquiries that I don't recognize and I didn't authorize. They are not cooperating with me and the inquiries still remain.

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 2019-01-31
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 information incorrect

Complaint:
Inaccurate balance lowering my score utilization

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 2020-06-30
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received a debit card from usbankReliacard.com that I did not request. In order to deactivate it, I first need to activate it which I do not want to do. I understand this is fraud but can't get through to us bank to cancel this.

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 2019-07-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have almost 11 inquiries on equifax report, wrong addresses, wrong names and I have contacted on the phone and send them repeatedly my ID Documents which they require each time I called for the past 6 months but they have not removed wrong information and this cycle is going on since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
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:
ACCOUNTS WAS OPEN IN MY NAME I NEVER KNEW HOW THIS COULD HAPPEN. IVE BEEN A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had taken my sick pet to the vets, he was going to need immediate care. I only had a limited amount of funds on my person, so the vet recommended this credit card ( Credit Care ) as a means of getting my dog into XXXX asap. At the time the service had a special rate going on ( waived the interest ). I had been paying the card monthly without fail. The limit was for {$3000.00} ( that was in XXXX ). I have never failed to pay the monthly bill, but today XX/XX/XXXX, I find out that after Six years of paying this bill I still owe XXXX. I called the company ( Synchrony Bank ) and they told me that during the time of getting the card I was only given the special interest rate if it was paid within the 12 months. After the first year and it was not paid in full then I was being charged 26  %  Interest rate.. So, in 5 years on a {$3000.00} credit limit I have already paid back Double that, plus, they say I still owe almost another {$2000.00}, which does not include interest if I only pay the minimal amount due. Please help. Had I known then the cost I would never have applied for the card ... but for my pet being very ill. I have paid addition {$500.00} dollars ( XX/XX/XXXX ) to try to get closer to a pay-off and not incur these High Interest Rate ( 26. %  ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-04
Company: EQUIFAX, 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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a debt with Springleaf Financial Services XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. XXXX XXXX XXXX, XXXX, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XXXX or XXXX XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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:
XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty XXXX min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.

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 2022-04-05
Company: EQUIFAX, INC.
State: WI
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:
Allowing XXXX XXXX XXXX  a collection account to report same debt with different account numbers on my credit report. Never opened contract with XXXX XXXX  but says account is verified

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions 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:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached.

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 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion freezes my account at a different periodicity then they do my husbands. 

I am using my husband as an example because we have had the same experience. 

When we moved to XXXX  from XXXX XXXX- Transunion froze my credit report without informing us. They claimed that they thought my identity was stolen, however my husband 's profile was experiencing the same changes and his credit was not frozen. 

It took no fewer than 12 hours on hold, and cost us more hotel rentals and kept us from getting in to a rental property by a week. 

Today I attempted to check my credit again, and my account is frozen. There is no way to talk to a representative and I was on hold for hours. 

I want transunion to have to talk to customers before freezing account and they should have to tell people when their account has suspicious activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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 information incorrect

Complaint:
Equifax dropped my credit score by three points on XX/XX/21 and XXXX lowered it by two points for new balances on my XXXX card for {$110.00} and XXXX XXXX card for {$11.00}. This is insane and abuse of power. I am using less than 0.5 % of my credit line and both balances have been paid in full. This should not have been allowed to occur. They have done this to me in the past a few times and I am not going to let this continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, 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 information incorrect

Complaint:
On XX/XX/XXXX, my credit report displayed that my XXXX XXXX XXXX was charged off and closes in XXXX. A month or so later they begin to re-age my date by fraudulently submitting that I began making payments dating back to XXXX. This is untrue and fraud. I have not made any payments to this account. This company has caused me to not be able to acquire loans to support my family. This is a severe injustice of my rights. I have sent letters to all 3 credit bureaus asking them to verify this information and delete this account for incorrect information being submitted. The bureaus only response is that " the account has been updated ''. Updating a fraudulent account after the fact does not help. This is a direct violation of the Fair Credit Reporting Act. RE-AGING DEBT IS ILLEGAL!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Before I start this complaint, as I have stated to PNC representatives, I have no problem paying overdraft fees if I present a transaction at the time of purchase and the funds are negative. On XX/XX/XXXX, the account available balance was XXXX cents ; however, to my surprise on XX/XX/XXXX, I was charged two overdraft fees of {$36.00} for an available balance of XXXX. I used my debit card for these transactions and at the the time of transaction, funds were available and had a positive balance. With this being a new account and one direct deposit on the account, if I had a negative balance on the account, the transaction would have rejected. I spoke to a Retail Support Manager and I explained and he confirmed - if I have opted out of coverage - the transactions would have gone through and fees wouldn't be assessed. Since I opted in, fees were assessed. If I had a positive balance when I swiped my cards, what service was used for me to occur overdraft fees in the amount {$72.00}. 

Also, the mobile app currently says that I could overdraft {$89.00} from XX/XX/XXXX to XX/XX/XXXX ; however, this amount has been processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Citi Diamond preferred credit card that has three fraudulent charges made in XXXX. The first was on XXXX to XXXX in Ohio, for {$730.00}. The statement shows a phone # XXXX as XXXX. The second charge was on XXXX to XXXX XXXX XXXX for {$150.00}. The last charge was again to XXXX for {$210.00}. 
I have called Citi Cards twice to dispute this, and sent them a letter. I received a letter date XX/XX/12 that said they tried to contact me for further information but because they could not reach me they closed the investigation into the charges. This is a lie, I have been checking my emails every day and have not seen a request for more information. 

I do not use either of these companies. I live in Georgia and XXXX is in the mid west.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am in the process of refinancing my mortgage with Wells Fargo, the current holder of my existing mortgage. On XX/XX/2020, I was asked to sign a release for multiple years of my tax returns. I was also asked to sign a form titled, " Borrower Consent to the Use of Tax Return Information. '' I reviewed the form with my attorney, who recommended I cross out the lines allowing use of my tax return information for purposes of " marketing '' and " as otherwise permitted by applicable laws, '' leaving in the sections on " providing an offer '' and " originating, maintaining, managing, monitoring, servicing, selling, insuring, and securitizing a loan. '' On XX/XX/2020, I was asked via the online system to resign the form without the crossed out sections. On XX/XX/2020, I was told by the Wells Fargo agent I am required by federal law to sign this form, including allowing Wells Fargo to use my tax information for marketing purposes. Is this a true statement? Why would I be expected to agree to use of such personal information for marketing and unspecified purposes?

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