BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
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:
Acct. name - XXXX XXXX XXXX acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent. 

Acct. name - XXXX XXXX XXXXXXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 consent.

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 2022-01-18
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: Investigation took more than 30 days

Complaint:
Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please 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 2022-06-19
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:
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 2022-06-19
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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 improperly handled my financial information in such a way that it became hacked and I must now assume that the information is public. I used their tool this morning at https : //www.equifaxsecurity2017.com/potential-impact/ to determine that my information has indeed been hacked. 

Equifax has done nothing to notify me of the problem other than " issue a national press release '' after a substantial delay ... I should have been notified within days that my data may be impacted so that I could take steps to protect myself but instead the company waited. Equifax claims that this is because it took a long time for their cybersecurity investigators to conduct a review but if the impetus for the review in the first place was that the company knew about a potential breach of this magnitude then this is no excuse to keep that information private for as long as they did. I personally suspect that at substantial factor in the company 's behavior with regards to timing the release of this information was having their public relations team examine how this issue affects the company 's business, which is unacceptable. 

Equifax has offered free monitoring through their new site related to this issue https : //www.equifaxsecurity2017.com, but only if I relinquish some of my legal rights to collect from them should this breach lead to damage against my finances. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: NM
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 2022-06-19
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXX XXXX XXXX  I 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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
See attached graphics. Everything circled in red that was not 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 non-monetary relief
Consumer complaint received 2017-09-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth 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 2017-09-09
Company: EQUIFAX, INC.
State: CO
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 was informed via social media and news sources of the Equifax breach on XXXX/XXXX/XXXX. I have come to learn this is a month or two after the initial breach. Equifax did not attempt to inform me that private information such as my social security number, addresses, phone numbers, driver license numbers and potentially credit card numbers was stolen and now up for grabs. In order to fix this problem, Equifax is providing credit monitoring for a year. This will not solve the problem because my private information is forever impacted. As long as social security number and the other information above is used as identifying information to open up new lines of credit, this will be an issue I will have to monitor. It will not stop after a year. I have to take my own steps to protect my information, including freezing and unfreezing my information at all the credit bureaus which will now cost me money every time I want to open a new line of credit. In my state I have to pay Equifax {$10.00} to freeze or unfreeze my credit line. So not only has Equifax created the situation where my personal information is forever impacted and created undue emotional and financial stress for who knows how many decades, but I will have to pay money to Equifax to freeze and unfreeze my credit line. 

I did not opt to have Equifax to store and use this information. I had no choice in dealing with this company. And now they are causing me undue hours and money in order to handle their mistakes. They reacted poorly to the breach, putting consumers at additional risk, and then provided a short term solution that does n't actually solve the issue, and created a situation in which they would actually profit off of us for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received student loans initially in XXXX. After graduating I work for XXXX XXXX agencies and was under the impression that after a certain amount of time my loans could be XXXX. However, Navient continuously steered me towards some sort of forbearance. And I was fooled into thinking they were helping me. I applied for a discharge while receiving XXXX XXXX XXXXXXXX XXXX and was denied. I struggled for years financially due to my XXXX I feel that the tactics of Navient were calculated in order to keep individuals in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am a Maine resident attempting to freeze my credit report with Equifax in light of the massive data breach. They are attempting to charge me {$10.00} for the freeze. As a Maine resident, as of XXXX, we have a law stating there is no fee for freezing and un-freezing your credit file. 

As per http : //www.mainelegislature.org/legis/statutes/10/title10sec1310.html " ... Beginning XXXX XXXX, XXXX, a consumer reporting agency may not charge a fee for placing, removing or suspending for a specific party or period of time a security freeze on a consumer report. [ 2015, c. 139, 2 ( AMD ). ] '' The other reporting companies ( Transunion and Experian ) successfully implemented freezes without requesting credit card information and payment. This breach is the fault of Equifax and not only should they honor Maine State Law and freeze my credit report without charge, but in this crisis, they should allow anyone in U.S. the ability to freeze their reports for free. The last thing we as consumers should be required to do is provide more credit card and personal information to a company that just demonstrated to the entire country that they can not and should not be trusted with such data.
Due to this delay in my ability to freeze my report without unnecessarily ( and illegally under Maine State Law ) providing them with even more sensitive information, they should be responsible for any, and all fraudulent activity that happens in my name ( and every other affected citizens ' name ), until there is a satisfactory resolution to this crisis.

Company response to consumer: Closed with explanation
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 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. Now it 's been shown that their site to determine whether or not an individual has been impacted is randomly generated. So currently, since I am not able to properly enroll with the site for several more days, there is no actual way for me to know if my information was stolen.

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 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. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan with no proper notice XX/XX/XXXX. The only way I was made aware was when trying to obtain mortgage documents for current re-finance in XX/XX/XXXX. The requets for documents was made twice in XX/XX/XXXX via phone and neither request was satisfied. No accessable phone number for me to call XXXX. Emails to previously answered email addresses with XXXX are not replied to. Online access to XXXX is disabled. 
Further when I called XXXX in XXXX the calls are directly routed to Mr. Cooper loan servicer. 
Mr. Cooper has no information on my loan when I was transferred directly and automatically to them from XXXX publicly listed phone number. 

XX/XX/XXXX via U.S.P.S. first-class mail presorted XXXX postage XXXX XXXX XXXX no. XXXX documents were received at XXXX XXXX XXXX, XXXX in regard to loan transfer to Right Path Servicing ( RPS ). The notice stated the mortgage was transferred XX/XX/XXXX and payment is due to RPS XX/XX/XXXX. Also stated that private mortgage insurance is necessary on this loan? PMI was no previously needed? XXXX has not reported to credit bureau on mortgage note since inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: LoanCare, LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX also known as XXXX XXXX handled a mortgage which was discharged in Chapter XXXX in XXXX of XXXX. In XXXX of XXXX I filed a complaint ( XXXX ) with the Washington State Attorney General 's office because that information had been provided to the lender but they continued to making threatening calls to me about collections even when they had my full Bankruptcy information. On XX/XX/XXXX, I received an email from my credit monitoring service that a new credit inquiry was done and to check. I looked online and XXXX XXXX XXXX had run a hard inquiry against my XXXX. I had not heard of this organization and with the recent XXXX issues, I looked this company up. They are the same as LoanCare. I did not authorize them to pull my credit. I have not made any contact with this organization since my state complaint specifically was to check their business practices and stop contact with me which was not legal post Chapter XXXX. This company is now trying to impact my credit by running random hard inquiries against my credit which each time, is dropping my score a few numbers due to the inquiry.

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 2022-08-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/XXXX I get a call ( that was fraudulent ) from a person posing as TD Bank Fraud Dept. ( I have proof of call logs ). When this person started asking question that seemed suspicious I hung up and call TD Bank Customer Service. I told the operator what was going on and she said those are scammers who were trying to keep you on the phone to keep you occupied to do whatever they were doing. She also stated that I have 15 charges ( different amounts ) on my account ( equalling XXXX ) and that I can't dispute these charges until the charges actually clear. So she cancelled that card I had bending in XXXX and to me to go get another card from your local branch. I left the gym and then proceeded to do that at the XXXX XXXX, NJ TD Bank branch. I gave the Customer service woman my card ( ending in XXXX ) and she discarded the card for me and then issued me another card ending in XXXX ( cameras don't lie, the camera will show me handing over my card that was cancelled ending in XXXX. On the XXXX of XXXX is when I started the dispute process of 15 charges I did not unauthorized. After about a week I realize no money was put back into my account. Come to find out that the claims Dept. denied my dispute claim saying that my chip was used. How can this be when the transactions were used in XXXX at a XXXX XXXXXXXX XXXX. I have never been out of this country ... .EVER! 
I have proof that I was here in the US ( at the time of the fraud ) ( I have a passport ) and I have proof that I was in possession of my card because I took the old card to a TD Bank location and received another one. This has been very frustrating because I did nothing wrong at all and they are saying I am responsible some how. My card is always with me at all times and my account had 10x as much as they took from my account which was XXXX. Please help me get my money back into my account. I have a police report, screenshots of call logs and locations and there is proof at the XXXX XXXX, NJ branch that I was inside getting another card less than 30-45 min of this happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This concerns addressing my Power of Attorney ( POA ) for my mother who is XXXX. All other banks, insurance companies and health providers previously accepted the docs that I have provided except for Bank of America XXXX BOA XXXX. Not only would they not accept the same docs they would not respond about what they wanted and just ended assisting me. At one point I was sent to a call center who gave me a run around and was of zero help. They never called the bank or called back as promised. 

XXXX at the bank who was helping me ended up hanging up on my husband and lied to his boss about the conversation and this was not addressed. He would take the problem no where. Had to go face to face with the branch manager who made a call to legal wanting more docs that is not addressed in the POA. She had every programmed response to support the problem and her employee who ultimately did nothing but cause frustration. 

The bank manager chose her words carefully but made me feel as though I was steeling from my mother. BOA has still not accepted my POA.

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