BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan with Navient, and there is just so much to speak about this. 
First my interest rates were ridiculously high, when I started to repay my father and I paid XXXX dollars every single week for 2 years and we had no idea how they allocated payments over the course of XXXX private loans as well as XXXX federal loans. 
My student loan debt was around XXXX. we have paid XXXX dollars every month for 2 years when it became too much to handle we spoke on the phone with them for weeks because when we received statements they were very unclear to read. Sometimes they would even allocate most of my money towards my federal loans and then my private loan balance went up, I would have to call them and then they would claim there was a mistake and promised that my payments would be back-tracked to the original date and interest did n't occur during those times but who knew if they really allocated them to the right time. Which at almost 10 percent interest on a {$200000.00} loan if just 2 weeks of non-payment means another XXXX or so added to the overall cost of the loan. When they corrected their problem I truly do n't think they backtracked my payments and removed my interest that occurred during that time. After a lot of calling and bothering they allowed me to enroll in a cheaper interest plan if I enrolled in auto debit. which I did which I was never told of until 3 years into paying XXXX a month. now I am enrolled in auto debit I do have a better interest rate im not sure why they never told me about this plan, Also they have messed up a handful of times and promised that they would re-allocate my funds in a timely manner and on their statements theres no way of seeing this allocation. 
There are a good handful of times that they have not set well with my father and I and I see now that our feelings were correct. 
Also we always paid our loans weekly, im not sure they even allocated our payments weekly during the few years before I enrolled in auto debit. I just would like to see some type of action on this company. Thank goodness I have my father that somehow knows about huge loans or else I would be lost just like a ton of student borrowers. We have paid about XXXX towards XXXX/navient and my total loan has gone down only XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: NC
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:
Inaccurate information and unverified information on my reports the following 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax XXXX, GA XXXX Or XXXX, PA XXXX Or XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX ACC # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion credit reporting agency is failing to report our mortgage on our credit report. XXXX XXXX has reported the account to all three credit bureaus and all are displaying the account correctly except TransUnion. It has been over 90 days since XXXX XXXX began reporting the account once again. We can not actually dispute this with TransUnion because the account isn't visible on the report. Both XXXX & XXXX almost immediately began reporting on this account. Why is TransUnion not doing the same? 

The fact that this account is not appearing on our credit reports is affecting our credit scores and has prevented us from getting credit on at least one occasion.

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 2018-09-06
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
My complaint relates to interest and excessive late fees. 
On the interest rate issue, the contract my wife and I signed on XX/XX/XXXX stipulated that the total payments ( interest and principal ) will be {$33000.00} ( XXXX * XXXX ). See attached copies of the contract. For the last payment, Honda made us pay {$600.00} ( see the attached Finance Account Overview ). Instead of paying a total of {$33000.00} as stipulated in the contract, we ended up paying {$33000.00}. 
I called Honda on XX/XX/XXXX to inquire why {$600.00} and not the {$560.00} we have been paying since XX/XX/XXXX. The Honda representative I spoke with stated that it had to do with interest. What interest? She gave a convoluted answer. When I requested to speak with a supervisor, she declined. 

On the excessive late fees, I have written to Honda executives ( here in the US and XXXX ) to waive the fees. All my correspondences and request fell on deaf ears.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
Several inquiries pop on my credit report I have uploaded ftc report with inquiry XXXX XXXX  and XXXXXXXX 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 2022-03-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Hello, I have been a customer with Wells Fargo for quite some time but have never had to experience what I have in the last 2 months. On XX/XX/XXXX while I was in volleyball practice a person deposited a fake check into my account in XXXX XXXX for XXXX XXXX There were also 2 cash withdrawals of XXXX $ at an XXXX atm and food purchases in XXXX  at a place called XXXX XXXX XXXX for XXXX XXXX While at practice, I tried to change my password several times because I kept getting notifications for transactions I obviously was not doing. I reported fraud with Wells Fargo and went through the whole claims process. I was given a new card and account number etc.. However, it was super unprofessional and not done in a timely manner. I reported fraud and the reason that was put on my claim was " She couldn't remember making those transactions '' when I told the representative without a doubt, I did not deposit that check or buy anything in XXXX. I don't live there and don't spend any time there. My claim was denied and closed but nothing was told to me. I waited a little over 10 business days and called Wells Fargo back on XX/XX/XXXX to find that out and all the representatives could say was it was denied and that I made those transactions, or they were authorized by me so there was nothing else they could do. I was at a lost on what to do to get this taken care of. So, on XX/XX/XXXX I called Wells Fargo again to tell them the representative that filed my claim was not truthful in what she put. I was given an email to contact which was ( XXXX ) I wrote them an email but never received a response. I was left XXXX $ in the negative from something I did not do. My deposits are all getting eaten up because of this. I have no way to provide for myself.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accountsXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. You are in VIOLATION of the 15 US. Code 51692e- False or misleading representation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681o Civil liability for negligent noncompliance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

30 days should be enough time to get back with me. 

Sincerely, 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 2023-11-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Many accounts that have been legally canceled are still on my report. Collection agencies did not receive my authorization to add them selves to my report. Many address are wrong and need to be removed. Phone numbers are wrong and need to be removed. All closed accounts need to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX had scheduled a payoff amount they took that with interest added plus a regular payment as well not to mention what they charged when getting the loan was outrageous. Called was h u ng up on transfered 5 times.Customer service a joke and just argued with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Held my tribal check and said it was fraudulent for over a month

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 2017-12-23
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX has conspired with some outfit ( XXXX XXXX XXXX ) in a attempt to having them extort monies claimed owed to them that have already been previously paid to XXXX XXXX XXXX in full, and charged off which is illegal per tax reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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. The account below has violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy. 

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions. 

I have not furnished consent via written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

The accounts listed are adverse items of information and are not convictions or crimes.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am having trouble getting my credit report from annual credit report from tarns union. 
They say it is not there fault but annual credit report`s fault.

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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-04-08
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with discover under good faith having 2 income sources and being creditworthy based on the equal credit opportunity act and the fair credit reporting act, having sent letters to dispute fraudulent information reported on my credit history. Discover discriminated against me citing that a collection was the reason why yet, i am not responsible for the collection and have documentation proving so. They have ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: EQUIFAX, INC.
State: DC
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 submitted a direct debit dispute form to XXXX on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to XXXX. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XXXX XXXX, XXXX through XXXX XXXX, XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an XXXX internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an XXXX representative via the telephone. XXXX has not taken any action to remove the delinquency from the three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: KEYCORP
State: FL
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 am being overcharged by my bank for overdraft fees. Key Bank is the culprit. Unfortunately over the past year I've had several occurances of overdraft fees some where my fault while others where not. This month on XX/XX/XXXX I had XXXX paid for my phone bill which caused an overdraft fee of XXXX XXXX Then today XX/XX/XXXX I had another bill come out for XXXX and was charged not only another overdraft fee if XXXX $ plus a fee of XXXX $ for a recurring overdraft. That's XXXX $ in fees on bills totalling XXXX $!! These fees are not only predatory and excessive but should be illegal. If these fees are allowed by current banking regulations this has to stop! Seven months ago in XXXX I was charged XXXX $ for an XXXX cents overdraft! My bank has the discretion to either pay these bills or not. When they know my direct deposit history they know they'll get their money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I submitted a complaint to the CFPB regarding this same institution. They claimed to have resolved the previous issue but had lied with regards to consumer contact. Since they have charged my account several fees then closed my account without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: SLM CORPORATION
State: FL
Product: Credit reporting 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, this creditor, Sallie Mae ACCT # XXXX Sallie Mae ACCT # XXXX has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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