BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
As everyone knows the crumbling of the XXXX XXXX empire which has left alot of students displaced, after all the high hopes of pursuing a career for the jobs of today on your schedule. After several years of XXXX then trying to complete XXXX XXXX to be cut short by XXXX 's ability to stay legal. Having wasted all this time attending XXXX while supporting my XXXX children on my own and working XXXX jobs. The hopes of obtaining an education to possibly show my children that it is never to late to better yourself and prove to myself that i am worth something better in the job market. Now having this blemish on my record ( XXXX ) employers laugh considering the situation and time lost trying to get my degree. Then XXXX XXXX was our loan holder which has problems and they transferred our loans to Navient, in my opinion is grossly over taxing my loans. For an XXXX XXXX and a half a XXXX my repayment is {$95000.00} over a period of 18 years. No way is the education i received worth this especially after all that we have been through after its closings. Please HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NY
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. was reckless in their handling of my sensitive personal information. Improper security controls have allowed nefarious agents to obtain information that is so private, it is used as security verification of my identity in my relationships with other companies. Upon using the website provided by Equifax ( equifaxsecurity2017.com ) to check whether I was personally affected by the recent data breach, I received the message " we believe your personal information may have been affected by this incident. '' No other assurances for identity protection were provided. 

From this day forward I must now assume that my social security number, driver 's license number, previous addresses, and credit card numbers are linked to my name and are PUBLIC INFORMATION -- as well as possibly more detailed information about my financial history. To personally protect myself I will have to ( 1 ) purchase an advanced identity protection service, ( 2 ) maintain increased vigilance across all my business and government relationships indefinitely, and ( 3 ) insist on above-standard identity verification in new business and government relationships. As I am young, I estimate this burden will cost me no less than {$100000.00} over the next several decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Chime Financial Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Chime bank in connection with XXXX XXXX  was authorized on XX/XX/XXXX to send XXXX to a XXXX XXXX linked to my name. The account number was correct but within ACH Guidelines did not arrive within 5 business days. XXXX XXXX did all authentication they could and said the money never arrived. CHIME refused to due any research activity at all. They refused to perform an ACH trace or file a dispute. I called in excess of 15 times asking for trace and dispute and they repeatedly declared the money was at XXXX, blamed XXXX and exercised ZERO effort to contact XXXX to see if the money was even sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: Factor Trust
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Factor Trust & XXXX XXXX have accepted, reported and denied me dispute of the erroneous items on my report that is reporting to the major credit bureaus. In addition, my identity was stolen, I never authorized Factor Trust to hold, sell, and record my private confidential information. 

I requested all addresses, accounts, etc. to be frozen due to identity theft. 

The company below will not allow me full disclosure of who, what, when, and were used my name, ID etc. for their gain. This is identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Drivers License ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: ERC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX i contacted tye Enhanced Recovery Corporation and gave them the information to my bank account to clear my debt with them. on XX/XX/XXXX I contacted the company again to verify the payment had been made. i was informed that the payment had gone through and the debt was satisfied. on XX/XX/XXXX I was contacted by them again and told that the account had come back with non sufficient funds. 22 days after being told the payment had cleared. i then contacted them again on XX/XX/XXXX and had a manager yell at me and tell me that the account used was fraudulent. this was almost a month after being informed that tye payment had been processed and the debt was cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX the mortgage company citizens bank, payed me XXXX dollars for excess funds in my escrow account. I never received the check. I called back 6 times, about 1 time a month, asking for the check because I never received it. They say it shows the check has not been cashed and they will resend. However every time I call back they say an error happened and they will do it again. 

Ive been waiting for my money since XX/XX/2022 and havent received it. I closed my account with them due to a refi of my mortgage. Im nervous I wont recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To whom it XXXX concern, In XXXX of 2017, I had a checking account with Bank of America. My ex-Girlfriend, had taken my bank card to deposit my payroll check that I had deposited every week. I later learned that when she was supposed to be doing this for me, she was also cashing checks, approximately, XXXX stolen checks, that she had stolen from her boss. I had no knowledge that this was happening until I spoke to her XXXX XXXXXXXX and the XXXX XXXX Police Department once she was arrested. She was subsequently arrested AND charged for the crimes associated with her cashing the stolen checks through my bank account. I am listed on the police report as a VICTIM on pages,4 of 15 at the bottom of the page, and have attached the police report to this complaint email. there are a total of 15 pages. 

I was Never a suspect, nor arrested for any of these crimes, as she was on camera making all of the transactions, and I was not there. this is noted in the police report on page 9 of 15. She was, and is solely responsible for these crimes.

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 2021-08-27
Company: Experian Information Solutions Inc.
State: ME
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: Problem with personal statement of dispute

Complaint:
Hello, I am an Authorized User for this account. I have been paying faithfully while the primary can not. She is filing bankruptcy soon. She will include the card/ account that XXXX refuses to update ( refused : please request or see supporting evidence ). 
No late pays and good standing but I am not going to pay on this account by myself anymore as the Authorized User. 

Compounding the problem is the fact I can not get service for this account. Unfortunately XXXX representatives will not discuss one word of this account with me for address errors or ANYTHING. That is not drama its a fact. 

I have legal rights as an Authorized User to remove myself from this account. It is my responsibility. I do not have access or a card active. So I believe its clear. 

Please request the company XXXX have its bank remove me as an obligated borrower. The letter from XXXX to me after they denied my request says it all. 

" We are unable to update the credit report as requested. To remove authorized users from the credit reporting, the authorized user must be removed from the account. '' Please ask for a copy. Bad grammar is part of the letter not me. 

XXXX MASTERCARD Card No : XXXX Thanks profusely Respectfully 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 2018-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WI
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:
The account that was in collections with Portfolio Recovery Associates was paid in full and keeps bouncing from removed from collections to new account added to collections which is directly affecting my credit score. The last time they added it back 19pts were taken from my score. I asked them to remove the acct and they told me that they do not do that. This information is false and the acct isnt new to collections. This acct is fully paid off and their information is inaccurate and false. This also is adding derogatory remarks to my report. The most recent removal and adding took place on XX/XX/XXXX18.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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 am an individual who was affected by the Equifax customer information breach, and I reached out to their customer support line today to get information about what information of mine was compromised. 

When I called Equifax, they were wholly unwilling to tell me which personal information was made available in the breach, and insisted that I sign up for their paid credit monitoring service, which is also subject to mandatory binding arbitration without any opt-out option. 

I am deeply disturbed by this, as I would like to know exactly what information of mine was made available, and I wish to reserve my legal rights, particularly because it 's almost impossible not to have information with Equifax at this point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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: Public record information inaccurate

Complaint:
The credit bureau is reporting a public record ( Bankruptcy ) that is inaccurate. After disputing this credit bureau reported that it is a valid item and will not be deleted. This company uses XXXX as a third-party provider, therefore they have not verified the information with the actual court. XXXX just like any other bureau is bound to report incorrect information. 

Furthermore, XXXX which is a third-party data provider for this credit bureau reports on public records , however when I asked XXXX how they verify protected public information on public records due to ss # redaction and certain sensitive personal information that is redacted they advised me that they sometimes try to match information by name or address which can be incorrect at times. So this information is not fully verifiable unless the credit bureau calls the bankruptcy court to verify, which again the court will redact information and is not allowed to share " personal information, such as socials by law ''. 

I attempted to fix this by calling the bankruptcy court listed on the public record " XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX '' and was advised that they do not report to any credit bureau and therefore they can't fix any error reported by XXXX, Experian, XXXX, and or 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 2017-09-08
Company: EQUIFAX, 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:
I have tried to gain immediate information from Equifax about the data breach. Their toll free number does not work and when I inserted my name and last 6 of my SS they a message says " you are liked impacted '' by this event! 
Where are the regulators for this, I am at work and ca n't hunt this down. 

Please help the consumer! 

Sincerely, US citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XXXX XXXX, 2017, Equifax announced a security breach. I went to their website and clicked on the information about it. I followed a link to enroll in free monitoring service. It said I was affected and to enroll. I followed instructions, but the link just keeps looping me back to the original website and will not allow me to enroll. I called the hotline number Equifax has set up to report this issue, and all it does is either ring busy, or answers, takes you through prompts, puts you on hold, then hangs up on you every time. I have been trying for hours!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My Account Balance From XX/XX/2022 Through XX/XX/2022 Is NOT Accurate After My Spending For Those Months..I Have Spoken With Bank Of America Customer Service Including Supervisors Over 50 Times And I havent Got Any Answers To Why Isnt My Money In My Account Over Half Of Customers Service Say They Cant See My Spending And Budgeting.. And The Rest Of Customer Service Reps Say They Can See Can See Whats Suppose To Be In My Account But They Dont Have Access To See Where My Money Went On XX/XX/XXXX, I Spoke With A Supervisor And She Put A Claim To Digital Banking I Have A Claim But They Claim At..I Suppose To Balance Of {$7100.00} For XX/XX/2022 And XXXX XXXX A Total Of {$13000.00} For A 9Month Total..Please Help Me Get My Money Back..I Emailed The BofA Team And No Response..The Blue Pictures Are Questions And Answers I Asked XXXX From Online Banking..

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 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Reported a hard inquiry on XXXX and XXXX to the following Credit Bureaus ; XXXX, Transunion, XXXX. 

I never authorized or applied for credit or services with XXXX I contacted XXXX and they reported no record inquires but refused to contact the credit bureaus for removal of hard inquiry. 
I contacted the 3 credit bureaus but they said I needed to contact XXXX, so I am getting the run around.

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 2017-09-08
Company: EQUIFAX, INC.
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:
Equifax disclosed that a data breach it discovered on XX/XX/XXXX may have impacted as many as 143 million consumers in the United States. Equifax has access to an extraordinary amount of personal and financial data for virtually every American adult. The company says that hackers accessed names, Social Security numbers, birth dates, addresses, some driver 's license numbers, and about 209,000 credit card numbers.
All told, as much as 44 percent of the US population will feel the impact of this breach for years to come, especially when it comes to their Social Security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: HUNTINGTON NATIONAL BANK, THE
State: WY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased my car on XX/XX/2020 from XXXX XXXX XXXX XXXX. I also purchased the extended warranty. I was told when I bought it that I had 60 days to cancel the warranty for a full refund of {$3000.00}. This was also stated in the warranty contract paperwork. I emailed the finance manager about cancelling it on XX/XX/XXXX and was told I needed to do it in person. I went in on XX/XX/XXXX and cancelled my warranty, or so I thought. I was given a piece of paper stating the mileage and that my refund was sent to my lien holder. I was told that monthly payments would stay the same but that my loan term would be shortened. I asked while I was there if there was anything else I needed to do to cancel the warranty and was told no. Fast forward to XXXX, I go to check my loan with the bank and am surprised to learn that no refund for {$3000.00} was ever sent. I immediately emailed the finance manager and called with no response. I emailed about 4 more times and called many more times with no response. I also called The Huntington National Bank multiple times, and was told I needed the check number, amount, and date sent from the dealership. I finally got through on the phone with the accounting department of XXXX XXXX XXXX XXXX and she said, " oh that's weird that he never had the check sent ''. She then told me that the furthest back she could date a check to was XXXX of this year and that it wouldn't be the full {$3000.00} refund but instead about {$2300.00}. I don't think this is fair as it isn't my fault they didn't send the check when they were supposed to. I should be receiving the full refund. She told me it wasn't possible for her to get me the full refund because the system wouldn't let her date the check back far enough. She also told me she would send me an email with the check number of the {$2300.00} but that it would take about 2 weeks. It has been almost 3 weeks now and I still haven't received an email. I understand that people make commissions off of these warranties, but I followed all the written rules to cancel it within the timeframe. It seems like shady business practices, and like they were hoping I wouldn't catch it. I should be refunded the full {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There was a security breach at Experian. The FTC website says that I can put a fraud alert on my account, but Experian is not allowing that. They only allow a freeze, without any customer service assistance, and they charge for the freeze. I want the free fraud alert since this is not my fault. Experian has set up their phone lines so that we as consumers can not speak with a live customer service representative, and the phone tree options only allow the freeze. This is extremely unfair.

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 2017-09-08
Company: Experian Information Solutions Inc.
State: NJ
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:
On X/X/2017 I attempted to access my Annual Credit Report through Experian. I was unable to access my report, and was given a message that says " A condition exists that prevents Experian from being able to accept your request at this time '' The following message congratulated me on accessing my Credit History and advised me to mark down in my Calendar for next year.
I am not sure what this " condition '' is that prevents the access to my credit report, but I find being told to wait again for one year for an error message unacceptable

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 2021-08-27
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent 3 certified letters to this company informing them that this is not me I have asked them for verifiable proof with my signature as required law and all they sent me back was a copy of the charges the deft still shows on my XXXX  credit report My name is legally XXXX XXXX however due to my employment my name on my insurance card is XXXX XXXX and so my health report with this hospital would be XXXX XXXX not XXXX so clearly this is not my bill I have in the past been a victim of identity theft I am also a member of a class action lawsuit against Penn Credit for violations of Fair Debt Collection laws and their refusal to remove this from is in retaliation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation