BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax faced a recent security breach and my data was compromised. They withheld news of the breach so select investors could sell their stocks ahead of the pending fallout.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXXedloan. PSLF application. Takes over a month to receive replies to email with no response to the concern, just asking for more patience. Been almost 90 days since getting a letter to verify my employer eligibility to move my PSLF application forward. Ive been employed with the same eligible employer per Federal Fin Aid site since 2002 and making payments ever since. There is no reason to hold up my account with no specific response to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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 previously mailed the attached letter below on XX/XX/XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a card in the mail from Truist Client Center XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX saying I had opened an account ending in XXXX. I never opened an account with this bank. I called them and they wont do anything about it unless I give them my full social security number ; which I refuse to give them based on security concerns and I dont know how they got an account set up in my name & address.

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: 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:
According to the Equifax website, my personal information may have been compromised in a data breach, putting myself and 209,000 other people at risk. I would like restitution for mishandling of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I made a purchase with my American Express Card with a XXXX called XXXX XXXX. The Merchant refused to give me copies of refunds they were processing for me. The merchant did give me a Text that I would be receiving the {$9000.00} refund. This has yet to happen. The Text to me becomes part of the contract and is valid as proof that I am owed the Refund. American Express is failing to enforce this. There are other issues that will be addressed when you read the attached documents. This has been an over XXXX month Battle with American Express and with the merchant XXXX XXXX that committed fraud with my card. 

Please see and read all attached documents with greater Details. I started my written complaint with American Express within 30 days of the purchase. In Addition I have requested from American Express on XXXX separate occasions in writing for them to send me XXXX pages of NON Legible Documents. This has still yet to be sent to me. I also feel that American Express is committing fraud with me. 

I have also requested in Writing from America Express how long i have to resolve this issue and American Express has failed to answer me. 

I have other written Documents that were sent to American espress. I am including the First and the most recent written Documents as i am trying to lighten your load as this case is extensive. I could include prior documents should you request them. 

I have written the merchant and sent them a Certified letter and the merchant has failed to respond to my letter. 

I appreciate your efforts on my plight. At the time of this purchase i thought i was purchasing just {$7000.00}. The total comes to almost {$17000.00}. At the time of this purchase i was in the process of XXXX XXXX XXXX  and i would have never made such a large purchase. This is very burdensome on me. 

XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my account that I do not recognize. I got an email yesterday stating there was a hard inquiry to my account from XXXX XXXX XXXX done for a credit limit increase. As a consumer it is already difficult reading through fine print and credit jargon that comes with credit. XXXX XXXX XXXX makes it difficult to identify if credit limit increases will result in a hard inquiry or not. XXXX XXXX XXXX is known to display promotional banners on their website for eligible credit limit increases to credit worthy candidates that abruptly appear. When I applied for a credit limit increase I thought that was the case, and they pulled my credit history without my knowledge. They need to provide more emphasis whether or not their products will need a hard or soft inquiry. More transparency is needed. The not so knowledgeable credit seekers are the real victims here to at times misleading credit card issuers. I read there was an inquiry issue with Transunion during that year, XXXX, it may or not be related. The XXXX breach was what made me check my credit history. I have found these inquires that I dont remember applying for. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/XXXXXXXX XXXX : XXXX XXXX NA XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, NXXXX A I have tried calling but I do not have the power to influence them. In this day and age of hackers, auto logins for websites, scams, identity theft, and even family identity theft the public is at the mercy to these 3 giant credit bureaus.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 :

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2022-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: NRA Group, LLC
State: NY
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 found out on Thursday, XX/XX/2021 that a debt collection agency that goes by the name, NTL Recovery Agency and also goes by the name, National Recovery, reported a false collection account on my credit report. This false report was reported on all the three major credit reporting agencies, XXXX, XXXX XXXX, and XXXX. 

According to NTL Recovery Agency ( also called National Recovery ) XXXX XXXX XXXX  referred a delinquent account supposedly in my name and with a past due amount of {$440.00}. NTL Recovery Agency falsely reported this as I do not have and have never had an account with XXXX XXXX XXXX. I have called XXXX XXXX XXXX  about this and the XXXX XXXX representative I spoke with said XXXX XXXX XXXX did not refer an account in my name to any collection agency, the representative confirmed that XXXX XXXX XXXX does not have an account in my name. 

I called the phone number listed for the debt collection agency, an automated female voice picked up the call and asked for my Social Security number in order to assist me. I of course did not provide my Social Security number. 

Please see the contact information listed on my credit reports for the debt collection agency below : NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And National Recovery XXXX XXXX XXXX XXXX XXXX, PA 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 2017-09-08
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:
On XXXX XXXX, 2017, I received news that Equifax was hit with a major hack a month prior, in which personally identifiable information ( SSN, full name, address, driver 's license number, etc ) was stolen. After following a link to an Equifax-established website regarding this incident ( equifaxsecurity2017.com ), I was able to confirm that I was a victim of this data breach.
Equifax is offering a year of free alert monitoring and identity theft protection as the only appeasement for their negligent mishandling of personal information, and has stipulated in the website 's terms of service that enrollment in such appeasement waives all rights to sue Equifax or participate in a class-action lawsuit against the company.
Equifax mishandled my personal, financially-critical information and failed to notify me in a timely manner. As a result, me and nearly 150 millio
n other Americans are at a very high risk for identity theft. I have trusted the company with highly-sensitive information, and the company has betrayed that trust outright.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a problem with my credit report, and I submit a complaint with the credit bureaus such as Transunion, XXXX and XXXX, but they did nothing. The inaccuracies are still in my credit report and my credit score is getting lower.

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 2022-02-12
Company: AES/PHEAA
State: VA
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 applied for the Public Service Loan Forgiveness Program Temporary Waiver in XX/XX/XXXX. My employment was verified and my loans were transferred to FedLoanServicing. My Direct Consolidation loan was issued in XX/XX/XXXX, and was transferred at least once prior to this last transfer. When FedLoanServicing calculated the qualifying payment for the program they excluded 19 payments from consideration, neither marking them as qualified or not, leaving me 11 qualifying payments short of the 120 required payments on the Subsidized portion of the loan. They also deemed over 100 payments as not qualifying on the unsubsidized portion of the loan, for what appears to be a deviation from the temporary waiver rules as all payments should be qualifying ( the deemed 30 out of 129 payments as qualifying ). It appears there were multiple errors made in assessing the number of qualifying payments I made between XXXX and today, possibly because of the multiple times my loans have been transferred. I request someone review the records and help fix my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right 15 u.s.c 1681 section 604 a States I have the right to privacy 15 u.s.c. also states a consumer reporting agency can not furnish a account without my written instruction

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 2017-09-08
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 recently had a hack that puts me and millions of others at risk of identity theft. According to their equifaxsecurity2017.com website, I am listed as a potential victim. I would like a resolution to this problem. Attached is the page I see after putting in my last name and last 6 digits of my SSN on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
During the equifax data breach, they created a site to check if I was affected. However, the site includes a search that does not work, and automatically opts-in to their service along with the terms of use without an option. 

I did not want to opt-in, only to find out if I was affected. I have already had unauthorized use of a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-05-24
Company: AES/PHEAA
State: AL
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:
There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.

Company response to consumer: Closed with explanation