BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: NV
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 do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 90 days past due date Worst Delinquency 90 days past due 90 days past due 90 days delinquent Balance {$2200.00} {$2200.00} {$2200.00} Credit Limit {$5100.00} {$5100.00} {$5100.00} Credit Utilization 44 % 44 % XXXX XXXX XXXX Experian Closed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX XXXX, XXXX Terms Revolving Scheduled Payment {$110.00} {$110.00} {$110.00} High Balance {$3100.00} {$3100.00} {$3100.00} Loan Type Credit Card Charge Account Credit Card Responsibility Individual Individual Account Individual XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, ORPhone ( 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 2017-03-28
Company: Navient Solutions, LLC.
State: LA
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:
To date, I have paid Navient {$16000.00} for my student loans. Prior to graduation I had XXXX loans that totaled to around {$60000.00}. Assuming that I was paying my loan balances down, I enrolled in automatic bill pay. This was two years ago, fast forward to today my loan balance is just over {$70000.00} despite making nearly $ 800 monthly payments for the past two years. I look into how could my balance be higher than what it was after two years of payments and I find out that all this time less than {$3000.00} went to the principle and over {$13000.00} went to interest. At this rate how does Navient expect me to pay off my loans? That is the issue, Navient does not want me to ever pay off this debt. Navient would rather I continue paying off this debt until I have paid 200 % of the original loan amount. My interest rates were just over 10 %. 

In addition to high interest rates and unethical distribution of loan payments. Navient also reported me to the credit bureaus claiming I had 16 missed payments. This ruined my credit. I called Navient prior to missing any payments to be placed on deferment until I found employment after graduating. Six months later I find out that my credit score fell XXXX points. I tried tirelessly to have Navient remove the missed payments from my credit scores because I was under the assumption my loans were in forbearance. Navient did an investigation and saw that I did indeed call on the day I told them I asked for a forbearance but claimed they can not prove I asked for a forbearance. So they insisted they could not remove the missed payments from my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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 by the consumer. 
XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$33000.00} XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022

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 2023-02-02
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus on XX/XX/23, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 or information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
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:
Im submitting a complaint to you today to inform you I was a victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.

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 2017-02-18
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making double payments for both federal and private loans to Navient ( total payment for each time is around {$4400.00} for 1 federal and 4 privates ). Navient had made so many mistakes by applying to all amount to one or two accounts and left the other ones delinquent and then they charged me late fees countless times for all of their own mistakes. Last December, they charged me extra payment of {$2300.00} without my authorization ( so my total payment went up to {$6700.00} ). I could n't afford to pay off the credit card for that amount. I called Navient and I also filed with my credit card company for unauthorized charge. My credit card ( XXXX ) told me they could n't refund it since it was n't stolen. I called Navient again and again. Instead of refunding the only extra payment, they refunded the extra payment twice and put my account in delinquency. I realized Navient mistake after the XXXX advised me that some changes in my credit score. My score went from XXXX in XXXX to XXXX in XXXX. I called Navient and correct their mistake by making the payment of {$2300.00}. They told me that they would fix my credit score. It never happened. I called them back on XXXX/XXXX/17. I was told that I had to write the letter explaining what happened and requesting Navient to fix it. How can this be possible when I have to do all of that when they are the one who created all of this dilemma. This was not the first time it happened and it was not the first time they asked me to write letter or correct their own mistakes. It comes to the point I think it is the way they deceive the borrowers so we can not relieve our co-signers. When I tried to apply to have my co-signers to be released of their financial responsibilities, Navient told me that I was n't qualified because I was late in my payments before. I asked them to look at the records and listen to all the calls I had been talking with their customer service. Of course their answer was the records showed that I did n't make the payment on time even though they were the one who made mistakes. I got so tired and gave up. Until today when I saw the lawsuit that CFPB filed against Navient, I know my prayer was answered. Finally, the justice is served. All the allegations on the lawsuit are very true. I 'm sure that I 'm not the only one victim here since all of my classmates and friends who are Navient borrowers said the same complaints. We are working hard to pay back our student loans ( no complaint, only appreciation for helping me with my career ) and we are struggling to fight with Navient deceit. I hope this lawsuit will bring relief to many borrowers from credit being savaged, ridiculous phone harassment, deceived late fees, and many more. Please put an end to that. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Commercial Recovery Systems
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XX/XX/XXXX I filed bankruptcy however, XX/XX/XXXX I started getting phones from Commercial Recovery Systems telling me they was trying to collect debts on XXXX accounts from XXXX that were included in my bankruptcy. Well these calls where by far normal debt practices they was harassing and threatening. They was calling me all hours and my work. Causing emotional and stress not only calling me but my father. You will see I filed a law suit and I recently see the FTC has a law suit against them.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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:
( ( ( ( ( stop editing my words. so not even me the writer cant understand. What I wrote, because someone is deleting parts of my statement ) ) ) ) ) I noticed there is some illegal activity 's on the summary of my credit report, that where not intended to affect my credit score. I also notice the confusing affect of calling the summarys score factors. Summary 's are not ment to be used as score factors. Why are these fake factors now effecting everyones ( scores ) that, is not the only illegal thing happening to my self, its everyone. That I have coached. here is one For example : in my case ( age of credit ) is saying that 10 years is to low and I need to have 10 accounts with over 20 years each. That is impossible to achieve these claims because you would have to be alive for over 220 years. In order to accomplish that?. # 2 For a loan balance that is to high for after a person has paid off over 40 % of principal and it is actively decreasing a persons score by 44 points which again is not suppose to happen. As I have explained to them I understand how things works like age of credit now calculate on average because the consumer has figures things out or because I have found out how things work. As if the purpose is to keep us consumers in the dark so that they can manipulate our credit how they choose. In the name of greed.? ( I have copied this to compare. ) and send to the White House

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 2022-05-02
Company: Experian Information Solutions Inc.
State: MA
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:
There are too many inaccuracies in my report and i have filed disputes with EXPERIAN on the dates below EXPERIAN. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should 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 explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my 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 non-monetary relief
Consumer complaint received 2022-01-01
Company: Nelnet, Inc.
State: TX
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 student loans listed on my credit report with Department of Education Nelnet. I have paid each month on a consisted basis since before the COVID 19 pandemic and currently. I did not ask to be included in a forbearance, because I want the payments that I make each month to reflect on my credit report. 

The PROBLEM is Nelnet has not reported the specific amount paid each month on my credit report. Nelnet has only reported to the credit bureaus a statement that explains I am current without the specific amount displayed on my credit report. 

I have contacted Nelnet 7 times regarding this issue. The representative explained Nelnet would reflect the specific payment on XX/XX/2021. Once again Nelnet fail to correct the problem. This is a HUGE issue for me because I am trying to purchase a home. If the specific payment does not reflect on my credit report, the loan company will have to include the entire loan balance in my debt. I am trying to take advantage of the new Biden Administration rule regarding student loans and mortage loans. 

Again, Nelnet should report my current payment plan I am supposed to make each month and the amount I actually paid each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2023-02-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my money is not being applied to my loan or escrow account. i am missing XXXX $ that was paid. False reports are being filed on my credit report. i have paid {$60000.00} in a few months and somehow my escrow is negative. 

Since before my loan was sold to Select portfolio servicing it has been a nightmare for several months i was unsure which company to pay. i was paying XXXX companies at the same time to keep my credit safe. SPS has been back dating and changing statements every month. 

they also have refused to issue my information or any documents to me as well. 

i have recently received a deficiency letter with my escrow account which I'm not sure how since i am up to date on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: NAM National Arbitration and Mediation
State: CO
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
We received a call from the ADR-Group, XXXX, they claimed we committed fraud when we took out a payday loan in XXXX 2014. This loan was charged off in a Bankruptcy at the beginning of this year. They claimed they were sending the fraud case to the XXXX, we call them and they told us they would not act on anything without sending it in writing. The company was terribly aggressive for a loan that was charged off. The XXXX office told us they had several calls on this topic today.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06
Company: Comerica
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
wallet & phone were stolen out of his vehicle while he visited a convenient store XXXX XXXX. Today XXXX XXXX, I asked daughter to help me call Direct Express, https : //www.usdirectexpress.com/, to cancel the card and reorder a new one, I asked daughter to help me with the conversation and the Customer Service Rep became very angry and raised his voice and yelled to put XXXX back on the phone. He asked my information and that I would be getting a new card, well today I call back again because my card never came in the mail, The new customer rep told me that it was never reissued because of my daughter being a 3rd party on the call. I have been extremely XXXX out over this, I cant believe I waited all this time for nothing. I never did get the name of that man because he would not give his name.

Company response to consumer: Closed with explanation