BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
i attended the XXXX XXXX XXXX XXXX as PhD candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for Navient and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO reduction should kindly be instigated for all Navient and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: PA
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 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. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2022-06-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Icalled XXXX XXXX for a special they had for {$49.00} they would clean my ducts on my Air C onditioner. The representative came out and immediately started telling my system was in bad s hape and most air conditioning companies would tell me I had to replace the unit but she would be able to fix the probleme my system was running fine at the time ). She comes back with this es timate of {$3100.00}. I explained I did not have the money. She proceeded to sign me up with Sync hrony Bank for the money. She had me sign everything on a laptop computer. She sI aid she woul d email the paperwork which she did I look at the contract and realized that I had three days to c ancel the deal. The next day I called XXXX XXXX and told the Office Manager XXXXXXXX XXXX XXXX  I wanted to cancel the deal per contract. She told me there was a Restocking Charge of {$1000.00}. I would have to pay. I told her there was no restocking charge in the contract they had sent me. 

I had three days by Florida Law to cancel the contract, and I sent Synchrony Bank proof I sent the letter to XXXX XXXX  that I was cancelling the contract. Synchrony Bank is refusing the Florida Law and won't recognize that I cancelled the Agreement

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 2017-09-12
Company: Experian Information Solutions Inc.
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 am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since XXXX ). As advised by many experts, on Sunday XXXX XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.

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 2022-06-15
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been attempting to close a refinance on XXXX XXXX XXXX XXXX XXXX OR XXXX and there are XXXX erroneous liens showing on the title work from Fay servicing LLC/XXXX  ( past servicer was XXXX  ). They agree they are erroneous liens yet have not cleared them off of title work. It has been 9 weeks. It seems they do not know how. I call daily, and nothing happens. I have active and current loans with XXXX that are attatched to other properties yet not attatched to above property I need cleared. Please help. Interest rates have already risen since their delays. This is costing me huge money. Please help us!!!! 
XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Genesis FS Card Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THESE 13 INQUIRIES HAVE BEEN A ISSUE TO LONG AS OF TODAY, TransUnion HAS DONE A TERRIBLE JOB IN PROTECTING MY CREDIT REPORT PLEASE HELP REMOVE THESE TODAY

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 2017-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.

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 2017-09-10
Company: EQUIFAX, INC.
State: PA
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:
This is about Improper use of my report, and my private information being divulged without consent due to Equifax 's failure to protect my private information, putting me at risk for identity theft. The company discovered this problem months ago and failed to notify me in a timely manner that they had a data breach where my information was stolen increasing possible damages to my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Chime Financial Inc
State: OK
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:
I have a secondary bank account with Chime but I don't always use this account daily so I don't always log into it daily. I logged in on XX/XX/2022 and noticed that there had been a {$190.00} charge that posted on XX/XX/2022 to somebody or some company named " XXXX  *XXXX  '' that I did not authorize. I immediately filed a claim through the Chime app at around XXXX am on XX/XX/2022. At XXXX pm on the same day I received an email from Chime that stated upon their investigation they have concluded that no error occurred and that no funds will be credited to my account and my claim was considered closed. There is no way that a thorough investigation was conducted in that short amount of time. I immediately found a customer service phone number for Chime and called it. It took me several tries to get through to someone but I finally spoke to a XXXX. He looked up my claim and said that he would reopen it since there wasn't a sufficient amount of time between when I made the claim and when it was closed out. I waited a few hours and logged back in to the Chime app and my claim was still closed out and it was never reopened. There is no way this is not fraudulent activity. The merchant name doesn't even look legit and there is no contact information listed to even reach this merchant. I Googled " XXXX  *XXXX  '' and there is information out from other people 's testaments that this is indeed fraud. If the XXXX stands for XXXX then I have never purchased anything on XXXX and my payment history on the site has no records of any purchase activity nor have I ever linked any payment methods to my XXXX account. On XX/XX/2022, I received Chimes ' investigation documents which were a joke. Chime is basically saying that because my card is still in my possession and because my personal information to my account ( phone number, email address, etc. ) was not tampered with then they don't find any fault in the transaction. Fradulent activity happens daily and the perpetrators don't have to physically have a person 's card in their possession nor do they have to change any personal information to theirs. My primary bank would have caught this unauthorized transaction immediately and/or would have reinstated me the money that was stolen from me. Chime has done nothing at all to help me in this situation. I do not trust my funds in Chime 's possession and feel that if this were to happen again, they will no go to bat for me as their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: IA
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 mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Equifax had a security breach announced in XXXX 2017 and my information including social security number, credit cards, driver 's license etc. was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion is listing personal information ( names, addresses, employers, phone numbers, etc ) inaccurately. 

Transunion is also listing multiple credit inquires on my credit report with most ranging from XXXX XXXX XXXX with the highest number of inquiries being XX/XX/XXXX that were fraud and not authorized by me. I have contacted Transunion with stated information, and they responded that inquiries are " factual ''. This is NOT factual information as these are not my inquires and all of them are either through dealerships or credit unions that is not even in the state in which I am located. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX 's XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-02-11
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:
I have repeatedly disputed inaccuracies on my Equifax credit report. Equifax has responded that they verified with the creditors the account information. However that can be true because XXXX  is reporting different account information, such as the high balance, different payment status, last payment date, account type and credit limit amount. According to the FCRA the Equifax is supposed to verify and report accurate information or they must delete. Equifax is violating my rights under the FCRA, which is illegal. Equifax has never sent any method of verification, who they spoke with or how they verified this information. Equifax needs to delete this account since they can not verify and report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, 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

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 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2021-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a few accounts that are still currently updating on my credit file that were included in my XXXX Bankruptcy. I have contacted the creditors multiple times and have sent them a few disputes requesting they report accurately but I have yet to receive a response. I don't understand how the bureaus can allow this to happen specially after I disputed it directly to you and notified you that they were against the Bankruptcy stay. This is now affecting me when I try to get financing, which is should not, and I've spent too much time, money and energy on trying to get these violations resolved. The creditors in violation on my credit file are XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX. I need these accounts to be back dated and reported correctly on my credit file. I understand my rights as a consumer and will take further action if needed. Please fix these accounts on 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 explanation
Consumer complaint received 2017-09-12
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind {$3200.00} this includes late fees. This company has done this 4 times previous. Refused to work and tried to foreclose and I stopped it each time by getting the money owed. But each time they add fees, {$600.00} internal attorney fees, and add a monthly payment that is n't due yet. I have tried 4 times to modify, or repayment, or work something out. Nothing..but I have in good faith every single time I fell behind find a way to catch up and prevent from losing my home. Here we are again and the game begins and I 'm just exhausted I 'm an old elderly man and my son handles this for me now. This will just kill me. First of yes I know I am behind, but I have been making payments each month ...
I owe {$3200.00} Date XX/XX/XXXX, Minus payment check # XXXX - {$730.00} and Date XX/XX/XXXX. Minus payment check # XXXX. - {$750.00} this leaves a balance owing of XXXX. of which I explained will be paid by XXXX XXXX, 2017 bringing my account current. The problem they refuse to deposit the above checks therefore throwing my account into foreclosure. The dates written on the checks were XX/XX/XXXX, andXX/XX/XXXX.. well in advance to prevent a foreclosure. They have n't sent a notice for foreclosure yet but I know the signs of the game and how it begins..by refusing payments.
Now they sent me a letter datedXX/XX/XXXX, after they received my payment ... .take note here ... they got my paymentXX/XX/XXXX, which would make me 3 payments behind. Foreclosure warnings does n't start till after four late payments ... Now back to the letter ... the letter was dated XX/XX/XXXX, I did n't receive the letter until XX/XX/XXXX, United States postal service. Inside the letter it stated I had until XX/XX/XXXX to send in the {$3200.00}. the problem here is I received this 7 days after the fact of the stated request. But they refused my payment on XX/XX/XXXX which would have prevented this in the first place let alone I sent in another payment on XX/XX/XXXX. If course they are not accepting that payment either. I have called and have gotten no where as usual. I am tired if fighting with them for 9 years. I kept up my end if the mortgage even in default. When will this horrible company give me a break. We bail them out with our tax money ... I 'm a retired veteran and I feel like I 'm not an American anymore. They treat me with no respect. I get nothing but denials, lies, decent, they try to steal my home from me from criminal practices with unfair billing, mortgage increases with no explanations, fees for every fricken thing you can think of. Please help.

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