BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-15
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: Was not notified of investigation status or results

Complaint:
I contact the credit bureaus 4 times already. 

The credit bureaus didnt follow the Fair credit reporting law.I asked the credit bureaus for the method of verification and they didnt provide it to me.Therefor, I believe they reporting inaccurate information on my reporting because they failed to provide me with furnisher who report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: LJ Ross Associates
State: MI
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:
On or around XX/XX/XXXX, I received a call from an L.J. Ross & Associates. At the time of the call, an agent informed me of a debt that was reported to have been mine. 

During this call verification of debt was requested of L.J. Ross & Associates, and I provided my new address as of XX/XX/XXXX, along with my email address to have the verification documents provided to me, as I wanted something documented to ; ( 1 ) .Clearly explain the debt/amount. ( 2 ). Verify that L.J. Ross was a legitimate collections agency before agreeing to repayment/settlement and providing my payment information. 

After months I received another call from L.J Ross & Associates on XX/XX/XXXX, pertaining to this same issue, and I informed the phone assoicate of my prior request of verification document. The associate was again provided with my physical.mailing address and email address and she infomred me that the information had not been entered in there system previously? 

On XX/XX/XXXX, I received an emailed alert from my Credit Union informing me that that there had been a change to my report that could have a negative impact on my credit score, so I logged in to the credit monitoring app to find that L.J.Ross and Associates placed a collections on my report. 

On XX/XX/XXXX, I contacted L.J.Ross and Associates with the contact information listed on the collection entry of my credit report and ultimately requested to speak with a supervisor because the associate that I was connected to was very rude and unprofessional. Upon being connected to a supervisor the communication worstened and the supervisor ignored my concern that the agency did not follow the law and provide me with some documentation that confirmed this debt and confirmed that the attempt to collect my payment information were all legit, he just bantered with me and there no no resolve met with this agency in explaing how/why they placed a collections on my report. 

On XX/XX/XXXX, I received a verification of debt and a letter verifying collections from L. J Ross & Associate, after they failed to negatively impacted my credit and failed to uphold consumer reporting laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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: Was not notified of investigation status or results

Complaint:
I have previously contacted equifax, XXXX, and XXXX about my concerns with my credit report. I'm concerned that I have had bad credit from XXXX up until current date in XXXX. I have no credit cards. I have no mortgage. I only have student loans which are in deferment or forbearance, but there is persistence to continue my status with bad credit through the three credit bureaus for XXXX years. Because of this, I have not been able to obtain any credit of any kind-or even a residence in which to reside. In XXXX, I even filed for bankruptcy which was expunged in XXXX. I thought this action would help remove incorrect and negative items on my credit reports... but to no avail. Yet still, I have continued with bad credit. I have a car loan, and that is behind due to the pandemic and my difficulties as a result of the nationwide health scare. The fact that remains is that I do not know why I have bad credit. Furthermore, my attempts to correct errors on my credit concerning XXXX company have not been resolved after five years of waiting for a response to my dispute letters. My current credit statement demonstrates a forced and persistent status to keep me as a bad credit citizen of the United States of America and prevent me from life, liberty, and the pursuit of happiness as a citizen with inalienable rights..Also the continued permissible behavior to include businesses on my credit such as XXXX company of XXXX XXXX MD XXXX which I have not agreed to do business with, demonstrates a violation of my rights under the Fair Credit Reporting Act. I have not been informed of the progress in my dispute of XXXX with either of the XXXX credit bureaus, and errors in my credit including the company XXXX and others have remained despite my efforts to have them removed. I have even requested credit reports back in XXXX, and I never received them. To this effect, I have decided to dispute everything on my credit report as it is likely the credit bureaus have allowed me to be violated with the same negligence as they have refused to respond to my disputes and correct errors in my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, Back in XXXX of XXXX I submitted my auto-debit on Nelnet to XXXX payments. However, I never selected to have my payment due date advanced as I did not want interest to accrue XXXX certain balances. My XXXX payment did not go through. 

On XX/XX/XXXX I submitted the Income-Drive repayment plan on studentaid.gov to reduce my payment for my Federal Student loans on Nelnet.com. My payment should have been reduced to {$260.00}. I was charged the full amount of {$320.00} on XX/XX/XXXX, they then put my loan in forbearance as they changed my payment to the correct amount of {$260.00} but this causes my next payment to be on XX/XX/XXXX. 

I believe Nelnet is intentionally doing this on many loans to collect an extra XXXX months on accrued interest on millions of dollars in loan value. This is not clear to average consumers the impact on future interest impacts. It is also extremely difficult to select how additional loan interest payments can be allocated to different loan groups/lots. 

I have spent multiple hours on hold with agents trying to understand how they can fix this but the hold times are in excess of XXXX hours each day. The end of the loan pause has been know for over 6 months these issues should've been resolved and agents prepared to explain this to consumers. 

What I thought was going to be processed : XX/XX/XXXX - {$320.00} XX/XX/XXXX - {$260.00} and monthly going forward. 

What actually processed : What I thought was going to be processed : XX/XX/XXXX - {$0.00} XX/XX/XXXX - {$320.00} and {$260.00} monthly but starting on XX/XX/XXXX. 

As the future payments are going to be based on different income amounts it is difficult to calculate my full impact on interest they will be able to collect on the new amounts. I have about {$26000.00} in student debt assuming all was at a 5 % interest rate. I would have expected to pay {$7500.00} in interest and have XXXX payments. But now would have paid a total of {$7600.00} in interest and an additional month payment with a final pay-off month of {$100.00} totaling an extra {$440.00} in interest paid to Nelnet ( XXXX in interest + XXXX in payments + XXXX in last month remaining balance ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
XXXX XXXX, 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 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 by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data 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 XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2020-02-17
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have {$160000.00} in private student loans with Navient. In XXXX of XXXX, I worked with Navient to agree upon a rate for repayment of my student loans that was realistic for me and my income. I make {$2400.00} per month, and Navient agreed that I could pay {$690.00} a month towards my balance. I made these payments on time every month. 

In XX/XX/XXXX, my payment amount jumped to {$1400.00} a month. Since then, I have called Navient every month to determine why the payment went up so much and try to work out a solution. They have told me that my loans no longer qualify for the program I was on. I have told them countless times that I absolutely can not afford to spend 60 % of my income on these payments, and they have told me again and again that there is nothing they can do. They refuse to work with me to get me a payment that I can afford. If I continue with these payments, I will not only deplete any savings I have, but I will likely not be able to make the payments within the next several months and will be forced to default on these loans. I have tried to refinance my loans and have been denied by every provider because of my debt to income ratio. It's a vicious cycle that I can not get out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: AZ
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:
Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information. This allowance is a violation of my rights and privacy. 
Said inquiries are : XXXX XXXX XXXXXXXX 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 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 2020-11-04
Company: M&T BANK CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
hi cfpd ... i dont have a big issues ... just at the moment i dont have income my unemployment are being pending i lost my job XXXX i work so hard to provides my family foods and shelter.. long story short due of corona virus me and my wife both loose our job ... we saw our family memeber and communtity pass away.. we need a time out so i could figure out away to work from ... start a busines from home .. 

right now i need help for a few month to get back on my feet ... 

thank you

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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am intrested in disputing all incorrect information on my credit report with transunion.

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 2019-06-15
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2019 At XXXX a representative ( XXXX ) from Prestige financial services called regarding my XXXX car payment which is 9 days late. I told him that I would not have a payment until XX/XX/2019. I usually make my payments at the beginning of the month. My previous payment was made on XX/XX/2019. I told him I usually pay before the payment becomes 30 days past due. He said that it was not possible to make arrangements and that I would need to make arrangements for sometime in the month of XXXX. He said books close at the end of the month. He asked why I did not want to pay my bill. ( I want to pay my bill but I do not have the funds until XX/XX/XXXX ). He said that I owed 2 monthly payments because of past due payments. I asked him to clarify that I owe $ XXXX, and he said it was due to late fees. He continued to talk over me. When I checked on my online account, I am only 9 days late and owe {$430.00}. I told him that I would only make a payment on XX/XX/XXXX, and I could not do anything before. He said that it is a possibility that my late payment would be reported to the credit reporting agency prior to 30 days. I told him that I have not been reported before even when I was 29 days past due, and he said that it was still a possibility. I told him that I will make a payment when I am able to. I told him to have a good day and I said goodbye, then I hung up. At XXXX, 2 minutes after I hung up, I received a call from a female representative ( Virginia ) from Prestige Financial services. I let her know that I just hung up on the previous caller from their company. She said she was calling to make an arrangement on my payment. I asked for her employee number and she said she was only able to give me her extension number which was XXXX. I told her that they were harassing me because I hung up on XXXX and they called me right back. I asked to speak to a supervisor. She put me on hold for a about a minute and said that because of the time, which her office was about to close, there was not a supervisor available to transfer, and that a supervisor would call me back. I told her that I did not want a call back and that I wanted to wait for a supervisor available. I told her I would not get off the phone until a supervisor came on the line. She said that I could not speak to a supervisor and she hung up on me. I received another call on XX/XX/XXXX at XXXX pm but no voicemail was left.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
Discover Bank reported I had a late payment in XX/XX/2022. 

My payment did not process due to my bank XXXX XXXX XXXX being bought out by XXXX XXXX XXXX XXXX  and a processing error. 

Discover Bank did not honor that I had submitted a payment and reported to the credit agencies resulting in a much lower credit score. 

This is outrageous that XXXX & XXXX said they would honor the old account number and did not, and is under current lawsuits in the state of Massachusetts and that Discover Bank wanted to report to this as a late payment. 

This payment was not late on my part but a banking error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions 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 am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.

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 2023-07-10
Company: Experian Information Solutions 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:
I pulled my credit report, after being released from the XXXX XXXX XXXX XXXX, Jail ; XX/XX/XXXX until XX/XX/XXXX, and I noticed many fraudulent notations on the report so I disputed online thru Experian.com the many fraudulent notations on my credit report, date XX/XX/XXXX, XXXX, report no : XXXX ; with Experian Credit Bureau XXXX XXXX XXXX XXXX account XXXX, in amount of {$440.00}, XXXX XXXX, XXXX. account XXXX, in the amount of {$460.00}, XXXX XXXX XXXX account XXXX, XXXX  XXXX XXXX account XXXX, in the amount of {$490.00}, and XXXX XXXX XXXX account XXXX, in the amount of {$300.00}, Experian never validated in of the information through me, but denied my complaint and relied sole on bias investigation in favor of the creditors to validate the fraudulent notations 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 2023-11-04
Company: 1st Franklin Financial Corporation
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I received a loan check in the mail from 1st Franklin Financial ( XXXX ) in XXXX, Ga. I did not apply for a loan in any way, nor am I interested in taking out a loan. I have never had contact with this company. Over the last year, I have not sought any financial assistance of any kind from any company. 

The letter includes the following : " It's true, attached is a real, cashable check made out to you for {$2000.00}. Once cashed, that's only {$140.00} per month. * Enjoy the convenience your good credit history has earned you. Cash or deposit your check today. '' " By signing this Arbitration Agreement ( " Agreement '' ), you agree : You are giving up your right to go to court. 
You are giving up or limiting the rights you would have in court. These rights include the right to force someone to testify. 
You are giving up or limiting you right to appeal the decision if you lose. 
You are giving up your right to be a class member or class representative in any Class Action or Class Arbitration ... '' " Visit us online at 1ffc.com '' " ANNUAL PERCENTAGE RATE The cost of my credit as a yearly rate 35.95 % '' The letter is then signed by XXXX XXXX, 1st Franklin Financial Corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX ( XXXX ) XXXX It is worth noting that the annual credit rate limit of the agreement exceeds that set by the State of Texas ( where the letter was penned and where it was delivered ) ( https : XXXX XXXX XXXX ). I plan to inform the appropriate state authorities in a separate filing. 

My complaint to the CFPB is that this is obviously a predatory marketing tactic designed to trick individuals into taking out a loan and waiving rights to challenge the fact. The check itself is the only area in the enclosed documentation with a signature line, which is on the back of the check as any endorsement would be. The phrase " this is a real check '' is repeated throughout the documents. 

This sales tactic is also an easy way for anyone to intercept the letter and cash the check, thus taking out a loan under some else 's name with a single signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX Creditor agreed to have this account removed. There is no balance on this 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