BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 have an " adverse '' account listed on my Transunion credit report that is over 7 years old. XXXX and XXXX removed the adverse status after XXXX years. I have asked Transunion to change the status as well through XXXX dispute requests on XX/XX/XXXX and XX/XX/XXXX. Both investigations verified the account as accurate, but the investigations do not show the adverse account status that I see on my credit report. 

The account in question was with XXXX XXXX XXXXXXXX and was closed XX/XX/XXXX. There was XXXX payment XXXX days past due in XX/XX/XXXX. The Transunion Pay Status for this account says : " Paid. Closed, was paid as agreed. '' However, there is a note in the Remarks field that says : " Credit Line Suspended ; Closed. '' Both XXXX and XXXX removed this past due marker after XXXX  years. At XXXX, the this same account currently has an Account Status of PAYS_AS_AGREED and Activity Designator as PAID_AND_CLOSED. XXXX currently lists this same account Status as " Paid, Closed/Never late. '' I asked Transunion to remove the Adverse account status but they have not changed the status after XXXX dispute investigations.

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 2022-06-18
Company: AES/PHEAA
State: AR
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:
My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recent breach of security at Equifax has leaked personal identifying data - furthermore it is data that simultaneously identifies and authenticates me to services that are central to my well-being and quality of life. 

Because of this breach and the extremely poor systems they have in place to mitigate damages as well as monitor and prevent abuse of that information I am forced to initiate a freeze on all credit and banking systems for an unforeseeable amount of time. 

This is a massive inconvenience for utilization of the systems they postured to place so central to modern living. On top of that inconvenience, however, I am forced to pay Equifax to protect me from the problems they have created. As long as a freeze exists on my credit and banking systems I will be paying to temporarily thaw those accounts. This can extend to several years and be done an unknown number of times. Unfortunately, the alternative is to leave everything hanging in the open and available to exploit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.

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 2020-02-12
Company: CITIBANK, N.A.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had my student loans with Citibank prior to XXXX when I started my XXXX  job until XXXX when I switched to a different loan company. Between XXXX and XXXX I had several conversations with Citibank representatives confirming my status in the PSLF program. Each time Citibank representatives reassured me that my loans were eligible for the PSLF program and there was nothing needed further on my part. It wasn't until XXXX when I learned that my loans weren't in fact eligible for the PSLF program because of the type of loans they were. I have lost out on several years of eligibility toward loan forgiveness due to the incorrect information provided by Citibank Staff.

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 2020-02-12
Company: Specialized Loan Servicing Holdings LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the year of XXXX XXXX XXXX  collected taxes and escrow with each payment they collected from me. In XXXX XXXX didn't pay my county taxes. As a result, in XXXX my taxes went unpaid. In XXXX of XXXX, XXXX XXXX   transferred my loan to be serviced by SLS in Colorado. SLS did not pay the XXXX taxes. SLS serviced and paid my taxes for every year after XXXX without issue but they never paid the XXXX. Fast forward to XXXX ... I get a bill from my HELOC lender ( XXXX XXXX ) and they told me I had an unpaid tax lien from XXXX. They ended up paying the {$540.00} that was owed, but also had to pay the law office that was attempting to foreclose on the property of over {$4000.00} in legal fees. My HELOC company charged me {$4700.00} to save the property from foreclosure. XXXX collected the money in XXXX but never paid XXXX County. SLS never collected the money from XXXX hence my property went into foreclosure. I was forced to sell my home in XXXX Arizona to come up with the money to pay my HELOC provider. Otherwise they were going to foreclose on me. All I want is my {$4700.00} back that I had to pay because my loan servicers lied and said they paid a bill but they did not. I attempted to collect these fees directly from SLS and XXXX but they both ignored my request.

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 2022-06-18
Company: EQUIFAX, INC.
State: AR
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:
My student loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX I had a hospital visit at XXXX XXXX Hospital . The hospital did not submit and verify that I had 100 % coverage of medical insurance. Common Wealth Financial has just reported a {$1800.00} debt on my credit report. I never received one single bill regarding this for years! I would of gladly of spoke to their insurance agents and ensured they billed my insurance. I have call XXXX XXXX and they admit to their error, yet the claim is so old to discharge she stated. The claim was on XX/XX/2015. I even called my last employer and spoke to the HR to verify my insurance was ACTIVE. How am I penalized because of their billing department error? I paid a lot of money to be insured and do not deserve this debt that is clearly their fault. I never received 1 single bill or 1 single phone call from the company regarding this bill for 4 years. Only until it reached collection recently was I notified. This is completely wrong. I am a young adult with outstanding student loan debt. I am a XXXX XXXX XXXX XXXX and do not have an income to pay a debt that should have never been issued to me. Please help regarding this. My employer was XXXX  XXXX XXXX XXXX at this time. I had Medical Insurance and the biller failed to bill my insurance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My credit card account was closed by American Express after I filed a consumer complaint. Initial complaint took place after unsuccessful resolution in stopping some minor unauthorized charges and fees from being posting to my account. American Express did bring account to positive {$0.00} balance, but closed the account immediately without my consent. I contacted American Express and was told to file another consumer complaint if I want my account restored. So here I am : - ). Unfortunately closing this card costs me credit history in addition to unfair treatment. Any assistance would be great appreciated. Kind Regards, XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX deposited a check for just over {$1100.00} in my Citibank account. They then notify me that the check is fraudulentand they close my account. 
THEY THEN CASHED MY CHECK and wont speak to me about getting the funds returned. My legal representative calledthey wont speak to her either. 
SO HOW DO I GET MY MONEY BACK AFTER CITIBANK FRAUDULENTLY CASHED MY CHECK AND WONT RETURN MY MONEY?!!?

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 2022-06-18
Company: Experian Information Solutions Inc.
State: AR
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:
My XXXX  loans where opened in 2006. The debt was old and all credit report agencies removed them from my credit report. Now the debt is showing up as newly issued. This is not right and not fair. I want this debt removed from my credit reports. Its past 7 years old.

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: AL
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 a security breach and my data was allowed to be given to hackers, months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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:
after a check of my credit report i ask the credit bureaus to do a detailed verification of these accounts, all came back verified. after checking, i find multiple inconsistencies and errors with these accounts after they claimed to have did their checks, i also did not authorise in writing that these accounts be posted. 

in accordance to the fair credit reporting act XXXX  account has violated my rights. 

XXXXXXXX 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 i have the right to privacy 15 U.S.C 1681 section 604 A section 2. 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 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-05-18
Company: Experian Information Solutions 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  and Experian should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of a collection/chargeoff of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-02-12
Company: Creditor's Collection Service, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I spoke with the collection company in XX/XX/XXXX on a 3-way call with XXXX. I explained that while the collection was obtained in XXXX that the charges are cumulative since at least XXXX, maybe older. I advise of bankruptcy in XXXX. I advised I need verification of service dates to determine if all or part of the debt is collectable. I was told in XXXX to allow one week for the collection company to obtain the information from the original creditor. Its now XX/XX/XXXX, and today the collector indicated they dont have information about service dates. One payment to the collectors was made via XXXX ; but I will cease payments until the information promised in XX/XX/XXXX is verified and provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX Citibank Credit Card sent me a letter saying they have closed my account because I have decided to use my rights in the Fair Billing Act/Truth in Lending. I filed disputes with the credit card because XXXX was charging me for someone else 's orders and orders that were cancelled. I tried to reconcile the charges with my XXXX account so I couldn't verify the charges. I received the letter XX/XX/XXXX. This is the first piece of mail I have received from them. They did not contact about these disputes to let me know what happened or needed anything from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct XXXX XXXX XX/XX/2018 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 2022-06-18
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct # XXXX XX/XX/2018 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 explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After becoming aware of the security breach at Equifax, I checked their website to see if I had been potential affected by the breach. The website stated that it had in fact potentially been affected, but unbeknownst to me, in acquiring this information I had also waived might right to pursue any legal action against them ( this message was not displayed anywhere viewable on the page, but was apparently in the fine print ). Immediately after learning that I had been possibly affected, I attempted to place a freeze on my credit through Equifax online ( this was XX/XX/XXXX ). The website denied the request, stating I would have to send in physical copies of my SSN and other sensitive personal information to complete the request. However, my bank account was immediately charged the {$10.00} fee for a freeze request, despite it not going through. I attempted to reach out to Equifax via phone, email, live chat, and even XXXX with no response. Later on XX/XX/XXXX I called their automated freeze request line and was told that the freeze had been successfully and provided a PIN. My bank account was then charged AGAIN for the freeze request, another {$10.00}. With no way of getting in touch with someone at Equifax, I feel helpless. I was able to speak with one man at the dedicated Equifax Hack information line, but he had no idea what I was even talking about and continued to repeat that " they were working diligently to get the website working. '' I had to hang up after getting nothing else out of him. I 'm terrified that after this massive security breach, even freezing my credit scores wo n't be enough to protect myself, and being charged double by Equifax, who is actually at fault for this, is just adding insult to injury. I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: NAVY FEDERAL CREDIT UNION
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
As a XXXX year old I didnt know what I was doing this girl, said if she have my account for my bank shell send me the money and I believed, but she was doing all the loans in my account and now I owe the bank a lot and I dont know how im going to pay them unless she return it back she blocked me from XXXX and her number but I do have her nunber. She was telling me to send money to her XXXX XXXX but when I look at my bank there was no money, but somehow the money went through, so I thought I was trippin

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