BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-24
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried to work with Navient as my private loan lender for repayment of my college loans for years. I have been paying on them since graduation in XXXX. I have just struggled trying to live ( pay my rent for housing, food, car ) I have not had leftover money from all of my " needs to live '' payments and my additional school loans through federal. This past time I tried to get my loans lowered in XXXX of XXXX was my last straw. I had been paying only interest of XXXX a month which was doable, but it is not helping me in the long run because interest is still accruing on my 30,000+ private loan. I don't foresee a great increase in salary because of the salaried job I hold with a company that struggled to pay me an additional 1,000 per year. I'm currently grossing $ XXXX. I receieve an average of {$1000.00} per pay period every two weeks. I pay into two loans for school that add up to around {$270.00} per month. These companies are XXXX XXXX and XXXX, both federal loans and have tried working with me. Navient wants me to pay {$300.00} per month. That is how they proposed to help. When I last spoke with two ladies at Navient, one being a supervisor, they were unhelpful and suggested I get a second job to help pay their Navient loan! I am furious at this " help '' and have NOT wanted to work with them since. 
Now they have reported me 5 months late to credit reporting. I do not know what to do. They have tried to call but I'm so mad at their tactic to " help '' by suggesting I get a second job I do not want to do business with them, let alone give them anymore of my money. I have always had more than XXXXne job trying to pay my loans but recently I had to stop working a second job because of my health. 
How can you all help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 Equifax was purportedly made aware of a breach of 143 million customer 's SSN # s, addresses, credit card numbers, drivers license numbers and other sensitive personal information. Rather than acting immediately to make consumers aware of this breach, they waited over a month, dumping roughly $ 2M in stock before publicly announcing the breach. Not only should Equifax executives be criminally investigated for insider trading and securities fraud, Equifax should be held liable for negligence to properly protect extremely sensitive consumer information they obtained without consent. Furthermore, they should be held liable for all fees and expenses incurred as a result of this breach - fees paid to freeze credit, fees paid to monitor credit, legal fees incurred, etc. Equifax 's offer of 1-year free credit monitoring is not only a way to reel in customers to a recurring service, but a laughable solution to this breach. This information can be used against consumers for the rest of their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus XXXX and XXXX. On XX/XX/2022, XXXX personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). XXXX has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX  and several social media outlets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: The Commercial Collection Corporation of New York, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2019, I received an email regarding a debt I forgot I owed to XXXX from XXXX XXXX at Commercial Collection Corp. They stated I have an outstanding balance and gave the amount, then gave information on how to log in and resolve my balance. 

This wouldn't have been a problem, however, in this email, they CCed 15 other email addresses. Some of these email addresses were ones I used when I was XXXX years old, which I have not touched for decades. Some were to family members. Others I did not recognize at all. 

This is a major violation of my privacy and I am overwhelmed and mortified that this information was released without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
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: Reporting company used your report improperly

Complaint:
I found out about the Equifax security breach on XXXX XXXX, 2017. Because of this breach, my name, address, social security number, birth date, driver 's license number, and possibly even more data are now public information. They also did not notify the public of this breach until 6 weeks after it was discovered, allowing even more time for hackers to use this information inappropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: HI
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, the following accounts have violated my rights. 

Experian Accounts Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX Accounts Account # xxxxxxxxxxxx XXXX Account # xxxxxxxx XXXX Account # xxxxxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxxxxxx XXXX Account # xxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxx XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 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 explanation
Consumer complaint received 2022-06-16
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To whom it may concern, This account XXXXXXXX XXXX XXXX XXXX XXXX XXXX was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. Please delete this account. 

I have attached my ID to this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: CT
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 send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXX XXXX XXXX ice nevee been four payments late I changed my due date

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: TX
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 had XXXX for internet security and got hacked and my information was in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: SC
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:
XXXX is in noncompliance and this is my last time attempting to settle this matter before a lawsuit is filed I as a consumer withdraw my consent for XXXX XXXX XXXX to report any missed or late payment from XX/XX/2021 on my consumer report I have tried to settle this matter several times and this is the last straw. XXXX XXXX XXXX you are to cease and desist from reporting the late or missed payment from XX/XX/2021 from XXXX XXXX undermines title 15 Usc 1681 b you do not have permission to furnish that transaction on my consumer report I do not consent any further reporting is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Frequently, my bank, Ally Bank, will unilaterally halt activity on my debit card and force me to call them, authorize via a set of security questions, and receive an XXXX message on my phone to unlock my card. 

There is no way to change this setting or configuration on my account. 

I live in a wooded area which sometimes has poor cellular reception. Without the XXXX  message to my phone, Ally will not unlock my debit card, despite proving authenticity with my social security number and security questions. 

If I am not lucky enough to receive the XXXX message, they refuse to unlock the debit card. I must wait to speak to a person in an office which is only open during bank business hours and which has a special phone number only accessible through frontline support. 

Through this new policy/program, Ally is actively and frequently denying access to consumer funds for absolutely no reason. 

This occurred on the following dates : - XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above. 

- XX/XX/2022, a transaction for less than {$100.00} was declined. I moved money into the account to address this issue. Shortly thereafter, they decided to lock my debit card unilaterally and required the process described above.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 send several disputes letters within the last six months and the most recents one 60 days, I have sent a letter from XXXX XXXX stating the paid my car loan off to XXXX consumer yet it still appears on my credit report and have n't receive any response from niether companies verifying, they have 30 days as part as the fair credit act to respond if not it has to be deleted, acceptance now also shows up and never been verified, I have hard inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX that I did n't apply for, I am filing a class action lawsuit if its not fix. My name, addresses, employer, has n't been corrected as well I sent in my proof of identification and social security card and still nothing, please remove all incorrect information as your company did n't respond in a timely manner, XXXX XXXXXXXX XXXX XXXX ice nevee been four payments late I changed my due date

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: EQUIFAX, INC.
State: FL
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:
Equifax has a security breech XXXX XXXX, XXXX, and failed to infor customers until XXXX XXXX, XXXX. They also was charging my my account after the security breech.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So I have been being with USAA for seven year. I started to notice strange thing happening to my accounts. On XXXX I started a fraud investigation with them and I have been put on hold, hung up on and lied to about XXXX   has been taken out of my account and even with me being calmed about this matter the have caused me to have to moved out of my home bc the refuse to help me while the investigation is being worked on. I have called everyday and all I get it a run around. I have talked to someone I. Every department even emailed the CEO and all the can say is sorry but there is nothing we can do. I have asked for document and they have yet send them. As well I filed a XXXX complaint and nothing. The latest thing that they are saying I am responsible is charges to a XXXX XXXX when the was no debit card attached to the account. It has caused me emotional stress bc this is about to go on for two months now and the are being inconsiderate of a veteran that they are refusing to work with after I have done everything they have asked!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: First Technology Federal Credit Union
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX, I used the international wire transfer functionality offered by First Tech Federal credit union to transfer {$34000.00} dollars to XXXX. 

I followed up with First Tech Federal Credit union on XXXX and got the reply from them that the wire transfer is on hold with an intermediary pending a declaration form from the beneficiary bank. I passed on the information to beneficiary bank 's representatives and they tried to contact the intermediary bank and according to them the intermediary bank was unresponsive. I followed up with First Tech federal on XXXX, XX/XX/XXXX and got the reply that they are working with their representative at XXXX XXXX XXXX First Tech 's intermediary bank ). On XX/XX/XXXX, First Tech Federal bank informed me that the deadline to affect the transfer has passed and the funds will be returned to me. 

On XX/XX/XXXX my First Tech Federal Credit union account got credited with XXXX USD ( almost XXXX dollars less than what I initially transferred ). I enquired the bank about why that is on XX/XX/XXXX itself and they replied that they are working with XXXX XXXX to get an explanation of what caused the differences. I followed up multiple times ( XXXX and even today ) and have not gotten any replies. The last correspondence I received from the bank was on XX/XX/XXXX. 

This puts me in a position where I lost more than XXXX dollars and I could not get the transfer of money done and I lost XXXX months trying to get this transfer done. The bank going non-responsive and not explaining anything does not help either.

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 2022-01-14
Company: SLM CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Since I had a money market account with SallieMae bank they advertised to get their credit card and Iif I spend certain amount of the money on the period I will get {$200.00} which I did open the account and that {$200.00} plus around {$40.00} for my spending was in my credit card account, last XXXX I find out my personal information is compromised and they try to get my money out of all my accounts in different banks and apply for credit card under my name and one of the banks and credit card was SallieMae account for that reason I spoke to the customer care center in the bank and credit card company and we decided to close the credit card and they transfer the money I had there around {$240.00} to my account in SallieMae. Since that time around month ago i called them more than 20 times and ask about the money credit card company saying they send it my account and bank telling me there is no money in my account. It's got to the point have no chose to report them for fraudulent activity.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: TX
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:
A recent Equifax security breach has resulted in my personal and confidential information in the hands of entities that should not at any time have access to it. I believe my information was improperly secured and I am concerned that Equifax is not taking appropriate precautions in securing personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Financial Recovery Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving incessant calls from XXXX, Financial Recovery Services , Inc . I receive at least three calls per week. Each time that I receive the call, I have instructed their agents to cease and desist from calling my phone number, and to remove my phone number from their call database. While they tell me that they will, they do not, and continue to harass me all the time. I am requesting that the CFPB takes action against them for failing to respect the law. They are clearly in violation of consumer protection laws, both at the state and federal level.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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:
I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. The credit limit was for {$800.00} and the charge off/collection derogatory amount reported is {$1300.00}. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

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 2020-08-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was protected by an insurance that was paid with each monthly bill. The insurance was to cover the money owned in case of job loss or medical. I was diagnosed with XXXX and was ubable to work. I contacted orignal creditor to use the insurance to cover this charge card. I have asked this debt collector for bills showing debt and amount and have yet to receive, On monthly statements it will show that money was paid each month for insurance protection. I sent letters requesting documentation twice, once on XX/XX/2020 and again on XX/XX/2020. Creditor has yet to respond.

Company response to consumer: Closed with explanation