BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-11
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had XXXX 's membership card for one year. At the time, I joined XXXX 's memebership I was told to open a XXXX 's XXXX. I never used the XXXX 's XXXX to purchase anything. After one year of membership, I choose not to renew my XXXX 's membership. But the membership fee was charged to the XXXX 's XXXX automatically without my permission in the XXXX XXXX statement. So I called customer service number printed on the back of the credit card statement which is XXXX.My XXXX 's XXXX number is XXXX XXXX XXXX XXXX and the credit card is run by XXXX XXXX. I was told by customer service not to worry about the fee and the fee will be credited back to my account. After one month, I received another statement asking me to pay not only the original membership fee but also late fee and interests on top of it. So I called Customer Service number again. This time I was told to contact XXXX 's store directly to request a refund of my membership. So I called XXXX 's store to request the refund. XXXX 's XXXX agreed to refund membership and told me to wait. One month later, I got a third statement with more late fees, and interests. So I called XXXX 's XXXX again, I was told they will issue a provisional credit. Next month, a provisonal credit of {$72.00} provisional credit was issued and I thought the issue was resolved. 
However, to my surprise, one month later I received a statement from XXXX XXXXk rerversing the provisional credit and charging me again the {$72.00} balance. So I called XXXX XXXX again requesting that the {$72.00} be reversed and my credit card account closed. The customer service said they will take care of it. But one month later, I still get the bill for the balance of {$72.00}. In short, XXXX XXXX is engaging in unfair and deceptive act and pratices to default consumers. I 'm sure I 'm not the only one. There must be many others. Please help me to get the charges reversed and my account closed. My cell number is XXXX and can be reached anytime. By the way, I never used the XXXX 's membership after my membership expired and I called XXXX XXXX more than 10 times. I was always told I can dispute the charges even thought there is nothing to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2018, my IDR was approved for $ XXXX monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to XXXX XXXX, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if XXXX had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that XXXX has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NJ
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:
On XX/XX/XXXX Equifax announced that it had been hacked from XX/XX/XXXX to XX/XX/XXXX and had withheld this information for one month prior to reporting it to the general public. Upon hearing of the breach, I proceeded to the provided web address : www.equifaxsecurity2017.com to learn if I was suspected to be a victim of identity theft or theft of any kind. Placing my credentials, I was informed that I was indeed suspected of my information being stolen from the hack. This information may include my name, address, date of birth, social security number and possibly my DL number. I have been given a date to enroll in XXXX XXXX credit monitoring : XX/XX/XXXX. I have also requested a fraud alert be placed via Equifax on XX/XX/XXXX at XXXX. In addition, I also received by annual credit report for XXXX on XX/XX/XXXX at XXXX where I did not find any errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: MacDowell & Associates, Ltd.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, I received notice from an employer that I work temporary for from time to time ; pertaining information from XXXX XXXX, MacDowell * Associates , Ltd., XXXX, Georgia, about Garnishment of wages. When at this time, I am not even working for the company. MacDowell & Associates is claiming I owe XXXX XXXX XXXX, for payment after returning a lease, for what I have no idea because I never received a bill from XXXX XXXX XXXX after the lease obligation was fulfilled without any debt owed. The lease was purchased in the State of South Carolina from a XXXX dealer ; it was a 3 year lease from XX/XX/XXXX to XX/XX/XXXX ; in XX/XX/XXXX the vehicle was return, and I thought that was the end of it. After, almost 2 decades ( seventeen years ), MacDowell & Associates is still harassing me at whatever employment opportunity I get. Last year, they filed a complaint with another employer that I had a temporary job with. The continuous harassment and defamation of my character over what they claim is a debt from XX/XX/XXXX is unfair, I contacted them and told them to stop harassing me over this untrue debt. They are quoting the principal amount for {$1400.00} and total amount due {$5300.00}. I never received a bill for anything in XX/XX/XXXXfor XXXX XXXX XXXX saying I owe for anything after the lease was fulfilled. MacDowell * Associates , Ltd. is the company sending the garnishment notice 2 decades later. I have never received a copy of a bill of anything from MacDowell & Associates other than, garnishment notice ; no bill statement, etc. since XX/XX/XXXX, seventeen years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-09-11
Company: EQUIFAX, INC.
State: OH
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 discovered only through social media and the general news on or around XX/XX/XXXX, that Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, DL, and credit history, if not more. This was the result of a data breach in XX/XX/XXXX th
at they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I have good credit. I will now need to monitor and pay out the nose for protection for the next 50+ years because of negligence, greed and neglect. 

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. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2017-09-11
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:
This complaint is in regards to the massive breach in the personal data of millions of people due to the willful negligence of Equifax. 

I ca n't bring up the dispute with Equifax because if I use their website to find out if I have been affected by the data breach, I am giving up my right to sue. 

Equifax may or may not have lost my credit data, SSN, and other personal information. From what I have heard, the corporation was willfully negligent in the way they stored, processed, and transferred the personal information of millions of people. I have heard several first hand accounts of those working at Equifax to back up my claims. 

I am fearful that my identity will be stolen, my credit score damaged, and my personal information used against me or sold to those who will only use it to harm me. This fear will live with me for the rest of my life as there is no way to recover my information or know who has possession of it now or at any time in the future. 

The top executives at Equifax however have nothing to worry about as they sold off millions of dollars worth of company stock after they were aware of the problem, a month before they informed the public. When they decided to inform the public, it was on the eave of Hurricane Irma causing destruction. This timing of the announcement only goes to further demonstrate the willful negligence of Equifax as is is obvious the company did not want to receive much attention from their announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Navient Solutions, LLC.
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 XXXX  in XXXX with a XXXX XXXX XXXX and took additional classes in the early XXXX. When I had trouble with an upcoming payment, the servicer, Navient, would automatically enter me into a forbearance for the maximum length and I would take it, rather than going into default. They told me that was the only way, unless I made the payment on time. 

In recent years ( I believe it was XXXX ), I was told by Navient that I could do an income-driven repayment plan only IF I consolidated my loans. I was NEVER told this would restart my payment count!! I've been paying for decades and never would have consolidated had I known it would erase all those years of paying. My balance is now much higher than when I started and I have never been in default. 

Now, it's been over 20 years of paying and the forgiveness offered in XXXX gave me hope. But XXXX just told me only XXXX payments I've made count : ( I'm so devastated. 

How can my servicers repeatedly guide me to options that hurt me and it's ok for them to do that???

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NY
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:
This complaint is regarding the massive information breach at Equifax that was announced on XXXX XXXX, 2017. Equifax has mishandled my information which led to a myself and millions of other individuals to be at risk for identity theft. I was not notified about this breach by Equifax and found out through the social media platform XXXX. 

The 90 day fraud alert and 2 year identity protection that Equifax is offering in response to this is unacceptable. This breach puts my information within the reach of unauthorized parties for the rest of my life and for as long as my heirs are responsible for my finances. To only offer 2 year protection and expect me to pay for their mistakes is extremely wrong, especially when I have never chosen to do business with this company personally. I will likely also end up freezing my credit score as a safety precaution which will cost me {$5.00} per institution to unfreeze and another {$5.00} to re-freeze. I should not need to provide a police report to waive these fees when Equifax has proof they lost my information. 

This incident is the result of a gross misuse of private information and there need to be heavy penalties as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
Equifax was hacked and di n't properly keep my personal information protected. This breach puts me and millions of others at risk ... this is further exacerbated by the fact that Equifax handled this breach terribly. They did nothing to notify the public over the past several weeks, and I instead learned about the issue via social media. And they have now put the onus on us to figure out next steps and make sure we are protected. 

This is especially ridiculous considering I have never personally chosen to do business with Equifax - any business relationship I have with them is indirect. They are used by companies that I use ... so it 's rather disconcerting that a company I have never used in any form personally could affect me ( and countless others ) in such a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
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:
On XXXX XXXX, 2017 Equifax discovered a hack that exposed my personal information, including name, address, and social security number. I believe this is due to negligence on the part of the company for failing to protect my information securely. They inappropriately and without permission gave my complete credit history to a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Diversified Consultants, Inc.
State: FL
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:
Diversified responded to my XX/XX/XXXX complaint ( XXXX ) with a letter with half truths : DCI contacted me several times at the end of XXXX. I received a collection letter dated XX/XX/XXXX on XX/XX/XXXX. DCI contacted me via phone on XX/XX/XXXX and again on XXXX and on XX/XX/XXXX after I had asked them several times not to contact without the proper verification. I stated that I had not received an itemized statement and that I had only received a demand or collection notice. I sent via XXXX a debt validation letter on XX/XX/XXXX, a letter that was not received in Diversified 's office until after XXXX XXXX. on  XX/XX/XXXX, so how on earth could they have responded to my debt validation letter on XX/XX/XXXX if they had n't even received it? I provided to the CFPB the receipts and receipt of UPS letter on my initial complaint, I will submit them again for you to review. Additionally, DCI claims that I requested billing statements, which is false, I requested a detailed itemized invoice of the alleged debt owed and I have not received a detailed itemized statement of the account to date. Diversified failed to provide this within 30 days and I have proof. Diversified did n't respond to my XXXX/XXXX/XXXX and they completely omitted it from their statement. Why do you suppose that is? Because Diversified did not follow the proper protocol and still reported a debt that has not been validated which in a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Capital Management Services, LP
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, I submitted a reply to Capital Management Services , LP 's letter received around XXXX XXXX of XXXX, regarding their intent to resolve a delinquent debt of XXXX. This debt was charged off by XXXX. I recall working with Capital Management Services in the past around XXXX, I believe. Then I was XXXX. The debt then went to another collector from somewhere in Texas. The name of the company was XXXX XXXX XXXX XXXX XXXX I was contacted by them around XXXX in the spring. I requested a verification of debt letter. Instead, it appears after two years, they passed the debt back to Capital management. So, this was when I submitted the debt verification letter to Capital Management. They acknowledged receipt of the letter. I have taken pictures of the certified letter I sent. But instead of responding back to me, they contacted my co-signer and told them I was not willing to pay and demanded the full amount from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NH
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 2022-06-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was laid off from my job as a XXXX XXXX on XX/XX/XXXX. I was hit by a car on XX/XX/XXXX and then my father died XX/XX/XXXX. I had to take care of my fathers service and funeral and I was not eligible for XXXX  or the XXXX XXXX XXXXXXXX offered at my office. I finally received a long awaited XXXX XXXX life insurance check and I deposited immediately to my Truist account and the put a 10 day hold on it. I was told by their check fraud department that if I went to my branch that the branch manager could remove the hold at their discretion when I went to the branch located at XXXX XXXX XXXX XXXX XXXX NC XXXX. The branch manager XXXX XXXX refused to release the funds to my account at her desecration. I told her my situation and the volatility with my XXXX XXXX XXXX  and how they have been doing national lay offs for the last year and a half and that this has happened to my twice in a year and that is why my account has been a mess. I am living in a XXXX and now I will be XXXX  because this woman has decided she will personally not release these funds to 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 2022-01-16
Company: EQUIFAX, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation