BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: Navient Solutions, LLC.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a loan with SallieMae that was bought by Navient around 2012. The loan was a subsidized student loan and was in deferment. No interest should have accrued until this fall after I completed my degree. When I was contacted by Navient about repayment they had a balance of over {$16000.00} when it should have been well under {$16000.00}. I called Navient and talked to employee XXXX and told her what the balance should be and she said when they bought the loan in 2012, the balance was over {$17000.00}. I told her I had paperwork from SallieMae dated XX/XX/12 that clearly showed a balance of around {$15000.00} right before my account was transferred to Navient. She said she had paperwork for Navient that showed the balance as $ XXXX in XXXX of 2012. She said I should fax her copies of the documents from SallieMae which I did on XX/XX/XXXX. I also had my university send proof that the loan was in deferment from 2012 until now which they did.

I called Navient today and asked them if they had made the necessary change to the amount I owed. The woman I spoke to barely spoken English so she was incredibly hard to understand. She  said something about accrued interest and a reverse loan something or other. When I asked her what my balance was in 2012 she said $ XXXX. I asked why the balance had not been corrected and she started talking unintelligibly about something with reverse balance ... I could not understand what she was saying. She also told me that my faxed documents had been received and a letter had been mailed today which was their response to my complaint. I don't have the letter and quite frankly I am not sure I believe that they actually sent a letter at all. If they did it should show up in a few days. 

The following uploads will show you that there is a major discrepancy between Navient records and the records that I was sent by Sallie Mae. The Sallie Mae documents I received showing my payment record for the loan on XX/XX/12 has a full repayment balance of {$15000.00}. The Navient records show for the same date show the balance to be almost {$1000.00} dollars higher at {$16000.00}. 

I had massive issues with SallieMae constantly and illegally trying to take me out of deferment or accruing interest while I was in deferment. I had hoped Navient would be better but it appears they are just as crooked. I am sending this complaint to start the process of investigating Navient for student loan fraud. This note is the first step in what I hope can be a quicky resolved issue although I am not as hopeful as I would like to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I found my data had been breached from XXXX this led to a free sign up with trusted id, i registered on XX/XX/XXXX, however i was not able to sign up for the service as i got the security questions wrong as they referenced a car loan and an amount of the loan was question 2,  question 3 was also for a loan taken in XX/XX/XXXX and question 4 was the amount. I don't have any loans so failed the security test and was directed to call, when i called i was told after answering my date of birth that they could not continue the call as the date of birth on my social security number is very different to mine, i was sent an email to address the issue and had to provide copies of my Driving license which i did on XXXX XX/XX/XXXX, i have called and emailed and still the executive team have not resolved my date of birth and i still have no access to trusted id. 
I tried to get a free credit report with experian and was met with the same response and wasn't able to access a credit report due to the security issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apparently Synchrony Bank recently sent emails to all of their customers stating they are changing their process of delivering their statements/bills to all of its customer to electronic delivery only unless you opted out. I did not received these notifications for whatever reason on some of my accounts so I was not able to opt out of receiving them electronically. So in turn I never received my statements to know my bill was due. Which caused me to miss payments on two of my accounts with them. I called them once I received notification they were past due and got them taken care of and they even waived the late fees due to my good payment history. I have had some of the accounts since XX/XX/2012. Then all of a sudden I am getting all of these letters in the mail they are closing all of my accounts with them due to bad payment history or whatever. I tried calling them and asking them why they were doing this and why they were reporting this to the credit bureau and destroying my credit report. They said they do annual reviews of accounts and decided to close all of mine and report them to the credit bureau. This is not right at all. They have absolutely destroyed my credit history with this complete XXXX! I realize I have a lot of unsecured debt but I pay my bills and I pay them every month on time. They are doing this to a lot of people. I know personally they have done it to my mother as well. These people need to be investigated for their business practices they are destroying peoples lives. They are just looking for ways to make up $ for all they lost due to people not making payment due to Covid and it's not right. What are people supposed to do? What if they never got the email or the letter in the mail? I guarantee you will be getting a lot of complaints about this. I don't care the accounts are closed. I am glad they are. I will never ever do business with Synchrony Bank again! I do however want my credit report fixed to show I closed the accounts at my choice and I was never late.

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 monetary relief
Consumer complaint received 2018-06-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Over 2 years ago, this account began incorrectly reporting a 30 day late and more recently, it was incorrectly charged a fee, for not having auto insurance on file after I had demonstrated proof of coverage. After providing the new insurance information, I was assured the overage would be credited to my account and ALL fees, incorrectly charged, would be waived. I was recently denied a mortgage and upon pulling my report I noticed that my score has dropped drastically, due to 26 months of this account reporting as 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I called into capital one on XX/XX/18. I asked if they would lower my APR the agent advised that they would. However it was for a temporary amount of time. I asked if I could get a permeant reduction the agent said no. However, I did the agent if the company offers them. She said " yes '' I asked what I had to do to get one and she couldn't come up with an answer. After purposefully lying to me to get me off the phone she sent me to her supervisor because she was unable to complete the call due to her lack of knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield Inc at XXXX XXXX XXXX XXXX XXXX fl XXXX  has been sending me collection notices in the amount of XXXX. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servcing has reported negative payment history to all three major credit reporting agencies and it has affected me in getting a current loan. I have contacted Ocwen to correct this over 15 times by email, fax, telephone, my current mortgage lender has faxed them with proof of payment. I have attached my credit reports and proof of payment to Ocwen and they have not corrected the information and therefore, I may not be able to close on my current home and will be homeless. This information is wrong which they reported XX/XX/2016 the same day I paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX XXXX 2021, I have made multiple attempts to get Loan Depot to drop my PMI due to my home appreciation in value. On XX/XX/XXXX I sent in an official email requesting my PMI removal, the PMI responded back on XX/XX/XXXX with a denial letter asking me to provide more information. I have done so, I have sent in detailed info about all my major remodeling, all the major structural changes with reciepts and images. It's been 2 month I sent multiple emails asked for managers to call me back and Loan Depot has yet to call back or provide any support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/XXXX, my credit limit was reduced from approx. {$1600.00} to {$850.00}. I was approved for the XXXX XXXX credit card over 4 years ago and worked very hard to keep my account in good standing. Until my accident and subsequent care from XX/XX/XXXX to XX/XX/XXXX, my account had received several credit limit increases due to my account being in good standing. During this time, my sister contacted this company and informed them of the situation. Although my card was at a XXXX   balance in XX/XX/XXXX and XX/XX/XXXX, and the account was not delinquent, after using it in XX/XX/XXXX, my credit limit was decreased with no notification. This negative action also lowered my credit score which caused the same bank to lower the credit limit on my XXXXXXXX XXXX XXXXXXXX credit card from {$250.00} to {$100.00} after having this credit limit for approx. 4 years with good payment history. The only reason I was given was the decision had nothing to do with my account history with this company. There are some things on my credit report that I am fighting to remove due to fraud, but the actions of this company also negatively affected my credit unnecessarily and it should not have when I did make my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I resubmitted my IBR application and sent Nelnet proof of income ( three times ) as requested. I named the files " Gross Pay. '' I am  XXXX and pay my own quarterly taxes. I have nothing taken out of my pay by my clients. 

I keep getting emails saying they can not approve my IBR plan ( which was already approved earlier this year by my prior student loan servicer before Nelnet took over and unapproved me ) unless I send  them my gross pay. The last email I received from them was XX/XX/18. I sent them emails ( twice, once again on XX/XX/18 ) telling them that the proof of income is my gross pay, and I even named my files " GROSS PAY. '' Nelnet is purposefully delaying my IBR approval by claiming they still need documentation that I already sent to them. I feel they are harassing me. If they can not provide faster service and approval ( I submitted the requested documentation to them on XX/XX/XXXX ) they have too many clients. Their inability to respond in a timely manner is harming me. 

They have my clients ' address and phone number. If they are not satisfied with what I sent them, they can call my clients and ask what they have paid me for the last 90 days or whatever.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Key 2 Recovery, Inc.
State: GA
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:
on XX/XX/14 I made a call to XXXX XXXX and spoke with Manager XXXX XXXX. I explained to him the issue i gad with an account on my credit report with Key 2 Recovery. Back in XXXX I disputed the account as no knowledge of account and mandated that XXXX  not just tell me the account was verified, However I requested proof that the account belonged to me, I asked for any contract showing my signature, or anything the may have to show I actually owe this debt. 30 days later I received only a letter saying verified no proof as I requested, on today when I spoke with the manager I was told the don't have to provide anything and that they actually, just take the word of what ever the creditor tells them. Therefore not investigating as required by law!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18
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: Account information incorrect

Complaint:
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Late Dates : XXXX XXXX PAYING UNDER A PARTIAL PAYMENT AGREEMENT REAL ESTATE MORTGAGE 180 DAYS OR MORE PAST DUE XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Loan Term : 540M 30 Late Dates : XXXX XXXX XXXX LOAN MODIFIED CONVENTIONAL REAL ESTATE LOAN This is the same account reporting multiple times and hurting my score. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Experian/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below and above ) are affecting my credit score and livelihood. Please delete these immediately. 
Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX Mortgage 2. XXXX XXXX REFI ON HOME LOAN Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, 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 2021-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-06
Company: ONLINE Information Services, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with the original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX.ONLINE COLLECTIONS ( A THIRD PARTY DEBT COLLECTOR ) has now involved themselves into a consumer credit transaction and I have no contract obligation with them, they are now threatening me for an alleged debt that ONLINE COLLECTIONS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ONLINE COLLECTIONS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation