BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: DE
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, have violated my rights. 
15 USC 1681 Section 602, states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

I demand that all late payments indicated on both accounts are to be updated as Never Late 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 explanation
Consumer complaint received 2016-04-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I submitted a co-signer release to Navient which was not approved. I have XXXX credit score, I work for a XXXX and have for the past two years, I am currently getting my XXXX, my co-signer has a XXXX credit score and has filed bankruptcy in the past and I feel is a liability to being on my loan. She was married with XXXX incomes when she co-signed, she is now divorced and can barely make ends meat herself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a XXXX XXXX XXXX It was purchased from XXXX XX/XX/XXXX. From the very beginning, I had issues with the car. I went to XXXX to get it repaired they wouldn't repair without a service fee. which I thought was unreasonable being that I just purchased the car. I then took it to a XXXX XXXX, it was repaired and covered. Many more things began to go wrong with the car. I took it to a different auto repair service center who said it had an electrical problem that is quite expensive also only the dealership would fix it. Eventually, the AC went out, the repairs for that was {$3200.00}. There were other problems the check engine light was on, the mileage indicator was flashing and other warning lights were on as well as the engine needs service message. I called American Acceptance the Loan company to see if the would assist me in any way. They advised me maybe they can if I would get an estimate of the repairs. I went to an auto repair a place that repaired my car in fact it was the same place that initially told me that only the dealership could fix it. They gave me an estimate unfortunately they did not put everything in writing, he said because he can not get prices for many of the parts. He also told me that all the work that is needed on the car it would not be worth it, and the difficulty in finding the parts they do not want the job. The finance company said they would take off 85 % of the value of the vehicle but I would have to get an estimate showing the repairs are more the value of the car. the value of the car is {$4100.00} to {$5000.00} in good running condition this car is not. The repair as it is now is more than {$3200.00}, to get an estimate from the original place that gave me an estimate they need {$400.00} just to diagnose the can system which is to do with computers. So I went back to the dealership and they said over the phone it would be {$150.00} to diagnose but when I got there it was {$170.00} for 3 things he wasn't done telling me the different diagnosis the car needed because all of the codes that came up, I stopped him because I could not afford more than the {$170.00} he said it would be about {$1000.00} to diagnose my vehicle. I basically told the finance company that I can not do both pay for the vehicle repairs and car payments, I asked to please assist. the problem is I can not afford to get it diagnosed they also need it to be not drivable which it is, and the motor or transmission needs to be replaced. This is very unreasonable since the repairs so far is {$3200.00} The Estimate is {$1000.00} and the value of the car is {$4100.00} ... so far I have paid {$10000.00} the balance it {$17000.00} how does that make sense. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: U.S. BANCORP
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:
US Bank, a large national bank contacted a primary account holding on a checking account in XX/XX/ 2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX 2021 ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners.

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

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 2017-10-10
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 is missing that should be on the report

Complaint:
XXXX and Experian continue to lie on my report, leave out accounts and important information and they are guilty of damaging my financial well being and all guilty parties should be arrested and incarcerated! How am I supposed to obtain credit when the credit reporting agencies lie and cause me to be rejected? Can I file charges? Can I refuse to let them monitor my credit? After all they 're criminals! XXXX is the most accurate of the XXXX they at least list all my accounts and have the correct percentage of my credit used and my total credit amount.

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 2015-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have a XXXX year CD from XXXX Bank that matured on XX/XX/XXXX. It was supposed to have renewed at the same rate as before. My Personal Banker had called to confirm that since Bank of America did not offer a XXXX year CD, they would be bound to honor the original XXXX year rate renewal terms. 
However, upon the actual renewal, they claimed that the could no longer find the terms told to us anymore and that they had elected to use the XXXX year term at 0.15 % instead. 
I found and sent my original CD terms document and sent it in via my Personal Banker who has really been my Advocate, since the Bank of America Representaive that informed her about my renewal terms and rate was so specific, even citing Special Terms that including a Final XXXX year Renewal that would terminate my CD in XX/XX/XXXX, without exception. Upon inquiry now, again BOA is denying its existance. 
I will attach my supporting documents as you have instructed me. 
Thank you very much for your assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have previously attempted on a number of occasions to present my concerns to the CFPB for their own investigation and not the company involved that has violated their customer contract with me. Attached is a copy of my previous complaint below.

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 2017-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX XXXX, XXXX a company called XXXX XXXX had pulled my credit thru major banking institution without my permission. When alerted by credit karma and life lock on the XXXX, I immediately approach the dealer to investigate and feed my question. I was told after speaking with sellers that a young man came in by the name of XXXX and said he wanted to finance a XXXX car by infinity. My name is XXXX. So they said the young man told them that his so called father was away in Texas and then proceeded to put this person on the phone. They said the person said they were me and gave my social and that was enough for them to pull my credit XXXX different times. No i.d in front of them with the person there and they said it gave them enough to pull the credit

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 2017-03-20
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I graduated from school with around {$35000.00} in debt. Being a woman, I was never able to make enough to even make a dent in the debt. Men always made twice or more than me. For ten years, I was only able to make the minimum payments and that was only after years of economic deferment which grew the debt. Then I had children and have been unemployed for a long time. Navient took over my debt which has now grown to {$80000.00}. They have nearly doubled it and even added an extra $ XXXX because of my lateness. I am now XXXX, in my XXXX, and so broke I have nothing, own nothing, struggle every day. I have told them I ca n't make payments and likely never will be able to. I ca n't even live comfortably and often go without food. It has been over 20 years since I graduated from college. Navient refuses to help and even when I gave them all of the information they needed, they still refuse to help. This loan needs to be discharged. It has been 20 years. They just harass me and keep my credit destroyed. Even if I made minimum payments, I would n't be able to repay this loan until I am in my XXXX. It is horrendous. It is a crime. And the education I received did absolutely nothing to help me financially - the biggest factor being because I am a woman. We will never be paid fairly. I wish I had known beforehand that I would never be able to pay these loans back. But I was told it would be fine, I would make money, I would easily pay these loans back. I was told it would be easy. I was XXXX when I signed up for the loans, not knowing anything about money or finance. I was lied to and misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: GA
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 dont and never had a XXXX XXXX XXXX. it is now showing in collections on my credit report

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 2016-03-25
Company: First National Collection Bureau, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a letter from First National collection bureau regarding XXXX funding. I have documentation from XXXX who told me they are not going to attempt to collect on this because its over 10 years old and they are barred from trying to collect on it. But XXXX broke their promise and still are trying to collect on a 10 year old debt. A debt is suppose to stay on your credit for 7 years and fall of, but they keep trying to collect on it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland funding repeatedly calls from different numbers to my work number and I got fired tod ay because of this. I do not owe them any money. They keep accessing my credit report illegally. A year ago they sent me a letter after complaining to CFPB that they made a mistake, an error in their records placed a collection on my accounts. They said they would remove the collection, they did this, but they keep sending me letters now every two weeks and keep repeatedly calling my work number. This is illegal and I have retained an attorney to sue them. Tell them to stop contacting me and please file a class action and close them down.

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 2021-08-04
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX  in the amount of {$52.00}. This collector or creditor did not provide HIPAA release to be able to collect on this debt. I am proceeding with legal action should this item not be deleted within the required time by law. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing medical information. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with any information on how they verified this false information. Plus, they can not verify something that is flat out against the law. 

Please assist me in this matter as this alleged debt and gross violation of several laws are gravely impacting my life. 

Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 submitted an FTC identitiy theft report and I sen t an affidavit of fact to the CEO of TRANSUNION about the aggrevated identity that XXXX XXXX XXXX committed. Transunion removed the tradeline but did not remove the inquiry. Please review the documentation.

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 2020-10-05
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2017-10-10
Company: Regional Management Corporation
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX IN XXXX ALIKE THE PERSON I GET CALLS FROM FIRST NAME BASES ONLY HER NAME IS XXXX THEY CALLED ME AT WORK MULTIPLE TIMES I ASKED THEM NOT TO CALL ME AND WORK AND THEY CONTINUE. THEY ALSO SAME DAY THEYOU CALL ME AT WORK AND THAN CALL ME ON MY CELL PHONE 3 TO 4 TIMES A DAY. I SENT A LETTER TO THEM FOR THEM NOT TO CONTACT, EMAIL AT MY JOB AND ON MY PHONE AND THEY CONTINUE TO DO SO. TODAY XXXX/XXXX/XXXX I TALK TO XXXX SHE SAID SHE IS A DEBT COLLECTOR AND THAT SHE CAN call ME 6 TIMES IN ONE DAY AND THAT IT 'S THE LAW. And that she has been a debt collector for 20 years. I told XXXX THAT CALL ME 6 TIMES A DAY IS HARASSMENT. SHE SAID IT 'S NOT AND THAT SHE WILL CONTINUE TO CALL AS SHE PLEASES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Comerica
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was scammed by someone in Florida when I stay in Mississippi on  XXXX   XXXX  ,2017. The y took {$730.00} off my card and I have not received the money yet and it 's  XXXX   XXXX  ,2017. Ini tially they told me it would tak e 30  to 45 days to dispute this matter and today they tell me it  will 45 to  90 days. They are giving me the run around and not being truthful!! I need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile on XXXX XXXX, XXXX Trans union deleted XXXX off my credit profile Getting my annual credit report i noticed these items was placed back on my credit report without my knowledge or nothing was sent 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 2017-04-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have an account listed that shows that I have a statement added to it " Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I had requested this comment be removed because it was added there by EXPERIAN, I submitted the request to have it removed online, and EXPERIAN " investigated '' the account and left the comment on the account.

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 2023-03-23
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can not LOCK or UNLOCK my credit history on Equifax 's so called TRUSTEDID XXXX website as they advertise. When I called for customer support I reached people in the XXXX who transfered me no less than XXXX times. I could not get a straight answer out of any of them. This whole situation is totally ridiculous!

Company response to consumer: Closed with explanation