BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-10
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I mistakenly continued paying my student loans during the Covid forbearance period because I was worried that if I stopped paying I would not qualify for the PSLF program which I was taking part of. Once I realized my mistake, in XX/XX/XXXX I requested a refund. During the pandemic, my service provider was switched from XXXX to Fedloan. Fedloan refunded me the balance from the time my loans were with them, but I did not receive the balance from XXXX. I paid XXXX {$860.00} from XX/XX/XXXX to XX/XX/XXXX ( XXXX each month ). Fedloan has repeatedly said they have put in the request for this refund, but after over 120 days there is still no resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Equifax did not take the necessary steps to prevent a security breach which put the information of over 140 million individuals, including myself, at potential risk of identity theft. In addition to this, they waited nearly a month after the breach was detected to notify their customers, but provided timely enough updates to their shareholders that they could sell their stock and make a profit. Equifax should be required to monitor all the affected accounts and notify their customers if any fraud occurs. Credit fraud protection should be a mandatory they must now provide, not a burden for the victims to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: OneMain Finance Corporation
State: NV
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/21 One Main Unlawfully Obtained my consumer report without my authorization or a permissible purpose. I have not initiated any transaction with One Main nor do I have an account for review or collection. On XX/XX/21 I mailed One Main a Notarized Letter explaining that the inquiry was unauthorized as well as a demand for a {$1000.00} settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Good Day, I sent the 3 credit bureaus letters well over 3 months ago and I haven't heard anything back from them saying they received my letters or anything. I wrote to them back in XXXX and just recently I sent them a letter because its been over 2 months and still no answer. Also I never authorized any furnishers to report on my credit and what they are doing is illegal and I will have no choice but to fill for litigation because they are in the wrong. Thank you for your time and I hope this gets handled quickly.

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 2017-10-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX, XXXX, I tried to submit a credit freeze application online at : XXXX XXXX XXXX ... resulting in an unexplained failure. No useful reason was given : " We are unable to honor your request online. 


If you are a victim of identity theft and submit a valid investigative or incident report or complaint with a law enforcement agency or the Department of Motor Vehicles ( DMV ), the fee will be waived. 

... ( words about sending paper to them to do a paper request in this day and age of Internet everything ) ... 

You may also submit your request electronically at experian.com/upload '' The experience at experian.com/upload was equally dismal and unprofessional and the failure equally unexplained. After I uploaded my documents, the reply was : " We 're sorry. We were unable to honor your request. 

To submit your request by mail, please send your documents along with one copy of a government issued identification card, ... 
" Multiple attempts did not work. 

If they reject an online application, they should provide a decent explanation and provide a way to resolve the issue without resorting to time-consuming paper or telephone. Otherwise, it is reasonably construed by the consumer as an attempt to reduce credit freezes in order to maximize revenue ( from selling credit 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 non-monetary relief
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 Reporting Act, XXXX XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 2019-11-26
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I graduated in XXXX from University of XXXX  at XXXX with a XXXX XXXX in XXXX. I consolidated my student loans and was making timely payments. In XXXX, I moved with my young family to the XXXX NY area and began working for XXXX  XXXX ( XXXX XXXX ) - a state hospital which is designated as a Disproportionate Share Facility. I learned of a student loan repayment program, applied, and was accepted. For three years, from XXXX, I participated in the program. I left XXXX  XXXX in fall of XXXX, and returned in XXXX of XXXX -- I have remained a full-time employee of this company every since. In XXXX of XXXX, I received a Certificate of Completion for XXXX Student Loan Repayment Program and a congratulatory letter from US Dept of Health & Human Services ( see attached ). From that date, XXXX of XXXX, I NEVER received ANY further correspondence, bill, or indication of further student loan debt. 

Fast forward to nearly 10 full years later, XX/XX/XXXX, I began receiving calls from a company and assumed it was a wrong number or telemarketer. It was Navient, claiming that I owed over $ XXXX in student loans to them and that I was delinquent in my payments. I tried to explain to them that I had never had an account with them and did not have any outstanding student loans that I was aware of for nearly 10 years. Shortly thereafter, I noticed that my credit reports had taken a plunge -- Navient started reporting this fraudulent account on my credit reports!! 

Of note, I had just purchased a home for $ XXXX and a new car In XXXX of XXXX. At no point during those large purchases, was there ANY indication that I had outstanding student loan debt. From XXXX on, my credit reports reflect that my student loan accounts are at a " XXXX '' balance and have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MA
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 learned through friends that Equifax had been hacked and that I should check to see if my personal information, including credit card information, had been accessed. I determined through Equifaxs website that my information was, in fact, compromised, and I placed a 90-day fraud alert on my files. 

At no point did Equifax contact me to let me know that my information was compromised. The burden of determining whether or not I was compromised, and then fixing the issue, should rest with Equifax, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND LATE PAYMENTS from my credit report immediately

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 2022-02-08
Company: Experian Information Solutions Inc.
State: CA
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:
I am reaching out to report a Fraudulent Credit Card account with XXXX  XXXX XXXX ( Acct # XXXX ) that is currently being reported to my Credit reports with all credit bureaus and I am asking for your assistance to Immediately delete this fraudulent and incorrect reporting from my credit files, since I have already tried to dispute it with the Credit Bureaus and they have failed to take action. 
This account was not opened by me and I never consented to a Credit Card with XXXX XXXXXXXX XXXX. I called XXXX XXXXXXXX XXXX regarding this fraudulent card in hopes that they would help me settle this issue and remove this fraudulent reporting and they have not done anything about it to this date and have referred me to dispute it with the Bureaus, even after speaking to multiple representatives at XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX informed me during one of the conversations with them that this Credit Card was opened inside of a Branch in Florida. I am not sure how this happened as I was under the impression that banks were required to check ID and collect a signature for all credit products opened. 
I live in California and I have proof that I was here in California and was at work on the date that they claim this account was opened ( XX/XX/XXXX is the opening date according to my credit reports ). I work for the XXXX and XXXX of XXXX XXXX in California and I am attaching copies of all my pay stubs received during the period that this card was supposedly opened by me at a Branch in Florida so that you can see that I has here at work in XXXX XXXX, CA and did not take any time off of work during that period. How could the card have been possibly opened by me at a branch when I was across the Country and not even a driving distance from that branch on the date it was opened? Find my XX/XX/XXXX Paystubs enclosed. 
I filed a Dispute with the Credit Bureaus last year in XXXX ( XXXX ) and the results of their Investigations all came back saying that the account was verified. I am not even sure how they were able to verify an account that was NOT opened by me, and which means of verification they used for their investigations. 
If you need any additional information from me, please do not hesitate to contact me at ( XXXX ) XXXX. 
I look forward to your assistance in resolving this matter and helping me completely remove this fraudulent and inaccurate reporting from my credit files. 

Thank you for your assistance! 

Sincerely, XXXX 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 2022-02-08
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 15. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

20. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

21. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. Validate Account XXXX XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

24. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

26. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

27. Validate Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

28. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

29. Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 

30. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

31. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

32. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

33. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my 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 2019-05-29
Company: Cactus Jacks Auto Sales
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/28 i contacted my Auto Loan company and i had an arrangement with them to settle my account current. Today i received a call and there is on recorded on voice mail, where the representative of " Cactus Jack 's Auto '' Located in XXXX AZ, XXXX, threat to sending my account to the recovery department. She on the end of the message said " Thats whats is happening tomorrow, and that if i have any question to contact # XXXX ". I did not like what happen, I'm a mother of XXXX kids and I lost my Job recently and im trying hard to get everything together with this new opportunity i Got and even have a arrangement with them they kept calling to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX, 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 Acct without my written instructions. 

XXXX XXXX XX/XX/2020 : done Public Records Public records include bankruptcy filings, court records, tax liens and monetary judgments. They remain for 7 -10 years. 
No Records Found. 
Account History Accounts " paid as agreed '' can remain on a report for 10 years from last activity. Negatives should be removed after 7 years or 10 years for bankruptcies. 

Account Name : XXXX XXXXXXXX Account # : XXXX High Balance : {$970.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: Experian Information Solutions Inc.
State: MD
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 canceling credit monitoring or identify theft protection service

Complaint:
Experian charges me {$24.00} a month for credit services. 

I would like to cancel my service. 

They provide NO online ability to cancel. 

When I called to cancel, I had to wait on the phone for over 20 minutes and no one ever picked up. 

So, you ca n't cancel online, and they are not adequately staffed to take cancellations over the phone.

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 2022-07-10
Company: EQUIFAX, INC.
State: SC
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 Reporting Act, XXXX XXXX account # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Resurgent Capital Services L.P.
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account but did not get {$350.00} bonus as advertised : XX/XX/XXXX I submitted the application online to open my choice checking account XX/XX/XXXX I completed the bill pay requirements for 3 months within 120 days acct opened XX/XX/XXXX about 8 weeks after requirement completion, I did not get {$350.00} in acct XX/XX/XXXX contacted CSR for 35 min and XX/XX/XXXX with another CSR for 85 min with extensive holds & wait by the CSR, still without proper resolution to this date. The ineligibility of personal account held was confusing and the company did not clarify in its term the definition of personal account or show example. In the marketplace when people open personal account it normally means banking product, but the verbal explanation of CSRs say it included mortgage acct that the bank previously sold to another service provider without client 's choice is misleading and confusing to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: Experian Information Solutions 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:
X/X/17 Experian experienced a cyber security failure exposing my personal information to unauthorized use and potential identity theft. 

I have verified through Experian 's website that my personal information was indeed accessed. I did NOT sign up for their free services. 

I intend to place a fraud alert on all of my accounts. This will cause a significant issue accessing needed funds. 

I believe a I am entitled to fair restitution and believe CFPB should persue a case against Experian for these failures to secure our personal 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IN
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 has mishandled my information, which has led to a breach that puts myself and millions of others at potential risk. I upset 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 I instead had to discover it myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put  myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.

Company response to consumer: Closed with explanation