BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: 1ST IBERIA CREDIT, INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX. I financed it through First Iberia Credit which  is the biggest mistake I have ever made. The price of my car was {$3700.00}. The total amount owed on loan came up to {$8800.00}. 33months at {$260.00} per month. 
I paid faithfully for 17 months. Then I fell on hard times. My car was reposed in XX/XX/XXXX. My refinance total was {$7900.00} TOTALLY RIDICULOUS!! I paid 17 payments of {$260.00} a total of {$4500.00} but my new loan is only {$950.00} different. SERIOUSLY!! These people are crooks and should be investigated as such. I have paid 10 payments on my new loan 10 @ {$210.00} Total of {$2100.00}. When I made my payment in XX/XX/XXXX I was given a written receipt. It showed my balance remaining as {$6000.00}. I came unglued. I have already paid these people a total of {$6700.00} and they say I owe {$6000.00} more. That would mean that I will pay {$12000.00} on a car that sold for {$3700.00}. That is a total of {$8900.00} more than the car. For what?? Interest and anything else this man chooses to add on to your loan. XX/XX/XXXX {$660.00} was added to my loan for what they wrote down as recovery fees. I had no idea. Was not told anything. It wasn't until I went to the office in XX/XX/XXXX and asked for a copy of all of my paperwork. That is when the XXXX hit the fan because I started asking questions and they all started passing the buck. This stuff has to be against the law. They are robbing me blind. I did not make my XX/XX/XXXX payment. I informed the manager that I was filing a complaint and I am not making another payment until I hear from you. This must stop.. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file, the items i need deleted are listed in the report. I sam a victim of identity theft. I demand that all of the items listed be removed to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. remove these items immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: DISCOVER BANK
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2019. {$1400.00}. Negligence of car repair services and cancelled check has prevented me from working and paying my rent and my water bill and my charge card. My employers check bounced due to insufficient funds. As a result, I have been losing my comfort zone and my prospects due to stressful environments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: IL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXXXXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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:
This bureau breached and trespassed my rights of privacy by reporting inaccurate, incorrect and misleading information on their end which is a direct violation of federal law. According to the federal law, it is their responsibility to ensure fairness, impartiality and protect the consumer 's rights of privacy. I am distressed with their negligence.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX, XXXX XXXX .... Balance : {$0.00} XXXX OF XXXX XXXX XXXX .... Balance : - XXXX  XXXX XXXX. XXXX : - XXXX BANK XXXX XXXX XXXX XXXX XXXX : {$870.00} : XXXX XX/XX/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 2020-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XX/XX/XXXX I spoke with Bank of America 's representative XXXX XXXX about financial hardship my family has been experiencing. I explained that I lost my job and my husband lost half of his income since Covid-19 started and I needed help not to get behind. She told me the only thing they can do is to put me on the plan that will lower my monthly payment by a slight amount and I will still be responsible for all late payments and fees without any lowering my super high interest rate. I explained to her that it will only make the situation worse and incrrase the debt when I wont be able to make a minimum payment. Ms. XXXX repeated that she cant do anything else and when I asked her to speak with her manager she said she is the only one I could speak with.

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 2022-05-13
Company: Experian Information Solutions 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  Account # XXXX, has violated my rights. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 UCS 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for and purpose

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 2022-05-13
Company: WELLS FARGO & COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Wells Fargo on XX/XX/2022 and was advised that the credit reporting for XX/XX/2022 was incorrect & would be updated by two representatives. I called to follow up on the request on XX/XX/2022 as the delinquency was still being reported. I spoke with two representatives that advised that the credit reporting was updated to Current and that I should receive a letter in 7-10 business days though they were unsure when the credit reporting would be updated. I asked for the letter to be escalated as I am in the process of a refinance and then a 3rd representative advised that there was not a credit reporting update and that the 30 day delinquency would remain. Wells Fargo continues to handle this issue with deception and abuse of power. The delinquency was not my error and they fail to update it. The delinquency for XX/XX/2022 payment for the XX/XX/2022 reporting is incorrect & should be reported as Current. I spoke with XXXX and a case escalation has been opened for review however I have spoken to 5 reps today alone. The delinquency reporting for the XX/XX/2022 payment in XX/XX/2022 needs to be removed.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 2023-01-02
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00} XXXX OF XXXX XXXX XXXX .... Balance : - XXXX  XXXX XXXX. XXXX : - XXXX BANK XXXX XXXX XXXX XXXX XXXX : {$870.00} : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: MO
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:
My identity and my credit profile has both been compromised and damging to my persons. False and fraudulent information has consumed my file, and I'm demanding that these unauthorized fraudulent accounts be blocked and removed immediately from my credit file ; or the 3 major credit bureaus shall submit to me physical documentation of each account being disputed. I'm asking that the 3 major credit reporting agencies also provide to me a Method of Verification, I'm requesting the employee name & title. I would also like to know the date & time of the investigation, and the means used to investigate. If not then you must remove the following accounts 1. Consumer {$480.00} 2. XXXX XXXX XXXX  XXXX XXXX {$4600.00} 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX  ( closed ) 6. XXXX XXXX XXXX XXXX CA {$7.00}. XXXX XXXX XXXX 8. 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 2022-10-07
Company: AES/PHEAA
State: MO
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 called on XX/XX/XXXX and requested a refund for all payments made in 2021, allowed under the CARES act. The total was around {$9000.00}. I was told this would take XXXX days to show on the FedLoan website but could take another XXXX days after that for the treasury to issue the payment and that part was out of their control. I agreed to these terms. I have since called back on XXXX to confirm it was submitted at all and they confirmed my request was received on the XXXX and it would be any day, but soon. I called back on the XXXX of XXXXXXXX XXXX  days after the original request and was told it could be XXXX days or possibly XXXX  months before my request is sent to the treasury and they were unable to confirm where this was in the process as there are no notes and they don't even know how the process works. I have been given 3 different time lines and each time the eta changes vastly. I asked if there was anything that can be done to speed up this process and they said no. I have been lied to and no effort has been made to rectify the situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-02
Company: FinCo Services Inc DBA Current
State: OK
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: Card was charged for something you did not purchase with the card

Complaint:
I have tried to talk to this company called current banking several times they do not have a phone number you can contact them on first of all. You have to send a message and then they send it I don't know if it's a robot or what the deal is but you can not get anybody live on the phone. I noticed these things were all my bill on my statement and the first one was on XX/XX/XXXX for XXXX for {$460.00} at XXXX the next charge was for a XXXX XXXX  on XX/XX/XXXX for {$35.00} at XXXX. I filed the dispute on XX/XX/XXXX and provided a screenshots of where they took the money out and told them I had no knowledge of that who did it I had no other information they were asking me about the merchant I don't know who the merchant is I tried to contact them but I don't know who to contact I couldn't find anybody under that listing that name that they took the money out of. I had spoken back and forth with I guess they're dispute team and they said they were not going to reimburse me that it was not it was my fault and then I disputed it two times they said they still were going to do anything after I provide a police report detective 's name everything that I needed to supply them with they told me I need to give them screenshots of where they said they took the money out some ticket number that was on there I provided into that and the police report number in a detailed statement they said they needed more evidence they needed to know who it was he was incarcerated all this crazy stuff that I wouldn't have no knowledge of and then they're asking me with the XXXX XXXX and they refuse to give me my money back and I can not get anyone on the phone and I've already filed a complaint with XXXX XXXX XXXX  and against this company and and my XXXX XXXX check goes through this company and I can't get anyone on the phone they don't have a number you can reach them on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XXXX Navient advised me via email that my interest only payment plan would end with my payment of {$82.00} on XXXX. Accordingly on XXXX, I called Navient to set up a renewal of the plan or a lower payment plan, given the economic realities resulting from the COVID-19 pandemic. However, Navient told me I needed to call after the XXXX of XXXX, because Navient could not do anything regarding my payments until the XXXX payment was completed. The following is the timeline of events : 1.  XXXX : Completed auto payment of {$82.00} from my account. 
2. XXXX : I called Navient and applied for what the representative told me would be an interest and principal payment of {$100.00} for 6 months. 
3. XXXX : Navient approves my application and emails a letter ; however, the letter states that the {$100.00} payment is for interest only and it contains the following info : Late Fee : {$0.00} - Repayment Fee : {$0.00} - Returned Item ( NSF ) Fee : {$0.00}. This conduct amounts to violations of the Truth in Lending Act, misleading information, and deceiving practices. 
4. XXXX : Navient sends me a statement showing that I have a past due amount of {$26.00} and a balance due of {$230.00}. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices. 
5. XXXX : I called Navient to explain that it had made an obvious mistake as my auto payment of {$82.00} was indeed completed and as such I could not possibly have an amount due. To my surprise, I was automatically forwarded to collections! I talked to 1 representative and 2 managers to no avail. Navient 's response was limited to saying " You are in collections because you have an amount due and we will send a request to research the matter. '' I requested a number or some confirmation that in fact that would be done and asked when could I expect a response. Navient 's kept the past due amount posted in its system and had no explanation as to how that due amount reconciles with my next payment per the plan approved XXXX. Again, both managers refused to provide me with answers, stating simply that neither of them could do anything about my problem. This conduct amounts to violations of the Truth in Lending Act, surprise late fees, misleading information, and deceiving practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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

Company response to consumer: Closed with explanation