BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As of XXXX XXXX, through widely available media, I discovered that Equifax had been a victim of a cybersecurity attack that may have leaked millions of American 's private financial information. Based on this information, I went to Equifax 's website and confirmed there was in fact a breach. I used their free tool to see if I may have been an affected individual ; it was confirmed that I was at risk. 

I then went to each of the three big credit reporting agencies ( Equifax, XXXX XXXX ) and froze my credit to protect against fraudulent activities. I was charged {$10.00} each by XXXX and XXXX ( {$20.00} total ). I am unhappy to have had to pay these fees to protect myself from fraud that I am now exposed to due to the incompetency of Equifax. Additionally, I will have to pay future fees to temporarily or permanently unfreeze my reports in the event that I 'd like to legitimately make use of credit services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
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: Was not notified of investigation status or results

Complaint:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-01-17
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX Fed Loan Servicing transferred my Student Loan to a nw loan service provider ; consequently, they did so the day before my ACH pmt was set to debit my account. I have called Fed Loan as they deducted the money and never applied the XX/XX/XXXX pmt to my account balance prior to transfer. Pmt amount was {$140.00}, balance was {$23000.00} according to XXXX statement and credit reporting. XXXX the new service provider now has my account set up with a 27 past due delinquent status ; furthermore, will be taking a double pmt on XX/XX/XXXX. Fed loan had advised my money can sit in a pending transfer account for 60 days. I need fed loan to update the XXXX balance to reflect the pmt. {$23000.00} less {$140.00} XX/XX/XXXX pmt. I also would like interest daily for the error they should have foreseen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical Data systems INC Account # XXXX Balance {$2100.00} When trying to validate they broke HIPPA law. I know my rights and this is very wrong. 
They must remove this collection from all credit bureau it reports to!

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 2019-11-25
Company: ONEMAIN FINANCE CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i got a loan with onemain finacial and signed papers for XXXX payment a month. The big manager at the store falsefied documents and made the payment to XXXX a month withouit my signature or my agreement i have several documents to support this claim and i have proof. They committed fraud and violated the truth in lending act. They committed crimes and have ruined my credit and my life. 

I have filed complaint with attorney general office and more. 

They switched docmunets and violated so many laws and federal laws as well. submitting false document to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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: Other problem getting your report or credit score

Complaint:
XXXX/XXXX/17 : Today I have tried repeatedly to access the equifax special site " XXXX '' to find out if my accounts are at risk due to the recent hacking incident as reported in the press. I fill out their form, including the 'test ' that I am not a robot, and receive green checkmarks next to each of the answers. The minute I press the continue button, it immediately goes back to the 'robot ' test. This has happened repeatedly-maybe twenty or thirty times. When you call their " help '' line, they question whether I have imputed the information correctly, when they ascertain that I have ( as evidenced by the three green check marks-after all it 's pretty hard not to know your last name etc. as evidenced by the three green check marks- they immediately say there is nothing further they can do. They suggest that maybe there is something wrong with the website, but have no information about that. One man gave me an e-mail address to contact. When I tried that, I received the message that there was no server at that address! 
As a consumer, my credit, has apparently been compromised by equifax 's lack of adequate security or lack of internal controls. They have mounted an elaborate PR campaign to say they are addressing this issue. Apparently it is exactly that : An elaborate PR campaign - with no actual help. In the absence of their help what an I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions 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:
Based on a factual dispute directly with XXXX XXXX, this account is reporting a XXXX day late in XX/XX/2021 when they just verified that the account was late in XX/XX/2021. Within the FCRA guidelines all account information must be reported accurately or it must be removed from the credit report

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 2022-06-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-06-17
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:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I had an incorrect entry in my credit report and XXXX  and XXXX  remove the erroneous information however Experian will not and they suggest I use one of their products called " Experian boost '' to raise my credit score. I believe Experian is inappropriately reporting lower FICO scores and then having people raise those credit scores by using Experian boost. This fits the definition of racketeering. They create a problem by artificially lowering the credit score and then recommend people fix the problem by using Experian boost. If they didn't artificially lower the credit scores to begin with sometimes 100 points lower than XXXX  or XXXX  ... People wouldn't need to use Experian boost.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
After the breach at XXXX, I wanted to place credit freezes on my reports at the three major credit reporting bureaus using their telephone based systems. XXXX XXXX telephone system did n't work ( surprise! ), but XXXX XXXX did ( at least one company 's systems work! ). I tried TransUnion 's telephone freeze system, but also did not work. ( " Could not verify my information. '' ) So, I logged in to TransUnion 's website, where I clicked on the " credit freeze '' button on their homepage. I proceeded to answer the security and identity verification questions, successfully, and then they asked for a credit card, which seemed normal as I understood that there was a small charge to freeze one 's credit report. I provided that credit card number ( which was accepted ), and the next thing I knew I was prompted to set up an account ( username, password, security question, etc ). So, I set up an account and then all of a sudden it was clear that I had signed up for a credit monitoring service, even though I was never told that I was doing that. Finally, presumably, there 's a monthly charge for this, but that charge was never disclosed. 

All in all, a slick piece of work : instead of getting a credit freeze, which is all I wanted, I was tricked into signing up for credit monitoring at a completely undisclosed price.

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 2017-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called their rep - XXXX from the Montana call center to discuss and they refused to reverse the {$1.00} they charged me. NO where on my statement has their been any indication of any balance subject to interest charges. So when I reviewed the statement I saw nothing in balance subject to interest and nothing in the interest charges. They put the {$1.00} in " FEES '' but it amounted to a minimum interest on {$11.00} which they failed to disclose for XXXX credit card statements that there was a balance subject to interest. It was not readily apparent due to the fact that there is also a large balance which was at 0 % interest for which I already paid a fee and there was not to be any more fees. 
I believe they should be placing any balance subject to interest clearly on the statement. They failed to do that. All balances subject to interest were listed as XXXX XXXX XXXX XXXX. They did that for XXXX statements, charging me {$1.00} XXXX times. 
And they advised they will also charge me again.

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 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 2017-09-10
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a complaint about both payment allocation and loan servicing customer service. After absentmindedly missing a payment I paid the full balance the following month, and, on a subsequent login to Navient 's website, the limited information available to me on Navient 's website showed that Navient had allocated the payment nearly equally between principal and interest ( allocation in prior month 's was about 70/30 principal/interest ). The information available to me on Navient 's website did not reflect allocation of payment to any fees. 
I submitted a request through Navient 's website for information regarding Navient 's calculation of the allocation. It took several days to get a response to this inquiry, and Navient 's answer was mere boilerplate - Navient 's answer referred me to the Promissory Note, without indicating specific sections or language, and without providing any analysis applying the terms of the Note to the allocation of payment to interest for my specific loan. Navient 's answer did not state that they had charged any fees. Meanwhile, Navient continues to charge interest. 
Although I submitted a new message through Navient 's online messaging platform, Navient 's messaging platform does not allow borrowers to " respond '' to communications from Navient, which unnecessarily interrupts the continuity of communications and tends to make it more difficult for borrowers to get answers from Navient and to restore their loans to fully paid-up status ( i.e. to make payments without fear of misallocation ). 
The lack of information about my loan on Navient 's website, Navient 's failure to provide information on request, Navient 's failure to respond timely to communications through their website, the fact that Navient does not provide a messaging platform that allows for cumulative correspondence in " threads, '' and the fact that Navient continues to charge interest during attempts to communicate about the loan all tend to suggest that Navient abusively inflates interest charges by delaying resolution of borrower questions to facilitate future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights 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