BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-21
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I had a payment plan set up. I got evicted so I am homeless and trying to save to move into a new home, so I had to stop payments. I am now getting 6 calls DAILY after explaining that I can not make a payment at this time. 

Just today they have called at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. ( XX/XX/XXXX ) and it is only XXXX XXXX. Voicemails are only left once every other day. the number is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Credit inquiries unknow thief incorrect important information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Navient Solutions, LLC.
State: FL
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:
I am being told by Navient on a fixed rate student loan that interest accrues daily and if I pay before my due date that additional interest accrues if I do not pay exactly same date following month. Due date XXXX of each month. Payments on XX/XX/XXXX and then on XX/XX/XXXX caused increase in interest charged because more than 30 days between payments even though payments were made ahead of schedule NOT LATE. Navient never offered/ was told could not use deferment option until after 60 months of forbearances were used up first. Also told could not qualify for teacher loan forgiveness program because of consolidation after cut off date which was not new loan. Original Loan XXXX. Have paid XXXX, XXXX. Told still owe XXXX, XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was financing an auto loan with Bridgecrest and on XX/XX/2017 I was struck from behind while sitting at a stop light. The vehicle was total and XXXX sent a Vehicle Value Report with a settlement value and is waiting for the letter of commitment to finalize the contract. I called several times to close the contract so I can find another vehicle. It's been several weeks, Bridgecrest never contact my Gap insurance, is collecting payments, charging interest and stalling to secure another auto loan.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted XXXX XXXX XXXX XXXX about an unauthorized hard inquiry made on XX/XX/2022. XXXX XXXX XXXX XXXX has no information about this inquiry or personal data. Therefore, they can not remove this hard inquiry. I have asked the reporting credit bureau to remove the hard inquiry but they will not because XXXX XXXX XXXX XXXX must contact the reporting credit bureau for removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: GREAT LAKES
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Since XX/XX/2016 I have been in foreberance and numerous times have filled out paperwork to get my payment lowered to $ XXXX/month. I am the sole income earner, my spouse is on XXXX. Im sorry, they keep telling me the lowest payment was going to be over {$300.00} a month. I make $ XXXX/hr and after all of my bills {$200.00} is pushing the max. I dont understand why they will not accept if I commit to {$150.00} a month and make it every month. I wish they would accept what I can pay each month. Why make things so difficult and stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CBE Healthcare is reporting 2 new collections on my credit report. I have never received one thing from them nor did I know this existed! I have tried to call them several times since I saw it on credit and its fax numbers and voicemails. I can not reach anyone. 
I contacted the hospital to see and they said nothing has been sent to collections because I have trying to get hardship. 
This is erroneous and by law they are supposed to notify me and give me a chance to dispute it. They are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2017 XXXX/XXXX made an unauthorized Inquiry on my XXXX  and transunion REPORT! 

But XXXX/XXXX has AGREE to Delete this Inquiry! 

Please send ATTACH letter

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 2020-05-19
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Contacted all three credit bureaus about XXXX XXXX XXXX adding an old debt back onto my credit report as a new debt. XXXX  was the only one to remove this debt due to this company not contacting me through phone, email or mail, and adding an old debt to my credit report like its new, which violates the FCRA. I have contacted the other two credit bureau and they will not remove this debt that violates FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, SSA outsourced to LexisNexis, aka Accuity Asset Verification , & Acurint 3 Inquiry History Reports for the date range XX/XX/XXXX - XX/XX/XXXX. As is standard procedure, SSA had a duly executed authorized for release of private financial information for me, XXXX XXXX, an SSI recipient, but not my mother, XXXX XXXX, who is NOT an SSI recipient. LexisNexis/Accuity/Acurint did solely a name match with XXXX XXXX, XXXX, to a savings account in my mother XXXX XXXX 's name, for which I am not associated, except that I am a Payable upon death beneficiary. For this false match, SSA unilaterally cut off XXXX XXXX XXXX SSI Beneifts on XX/XX/XXXX & would not entertain any proof from XXXX XXXX, XXXX, that I, XXXX XXXX had no access to the account nor that proof from XXXX XXXX, NA that this account is Titled solely to XXXX XXXX. LexisNexis/Accuity/Acurint stated their investigations could take beyond 30 days and XXXX XXXX, XXXX did not always cooperate. Neither LexisNexis/Accuity/Acurint nor SSA would accept any documentation directly from XXXX XXXX, XXXX, yet I was the loser, having lost my very needed XXXX Benefits. In XXXX, Attorney XXXX XXXX of the XXXX has filed an Amicus Brief in this matter in Federal Court, styled XXXX v XXXX XXXX XXXX. In XXXX, Attorney XXXX XXXX wrote a legal scholarly paper on behalf of the XXXX oh how LexisNexis/Accuity/Acurint & SSA 's " false match '' tactics deprive SSI recipients of basic due process. In the XX/XX/XXXX issue of XXXX XXXX, an article written by XXXX XXXX XXXX XXXX called " When LexisNexis Makes a Mistake, You Pay For It ''. It outlined cases where victims of LexisNexis/Accuity/Acurint 's mistakes have fought for years to clear their names. Several are still fighting. 
This is an unacceptable. For SSA to accept hands down, without question an asset report that is fatally flawed is egregious. This is definitely a violation of due process. People on SSI need their benefits. SSA employees act like dictatorial enforcement officers, calling out the beneficiaries as liars, hiding assets they do not have. This must stop. 
My XXXX has been stopped. I have bills I can not pay. I face homelessness because of this egregious practice, and an SSA employee, who treated me, an elderly, XXXX person, so badly, he actually brought on a XXXX. Before that, I had not had a XXXX in 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
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 belongs to someone else

Complaint:
XXXX is fraudulent reporting an account which was opened on XX/XX/2017 to XXXX, XXXX and Experian for the amount of {$720.00}. They reported that the are trying to collect for a company called XXXX XXXX. I have never taken an online payday loan from this company. The number the credit bureaus have is a non working number I am unable to contact this company by phone. I would like this reported this to the BBB and have seen multiply reports on the company doing the same thing to numerous people they are scammers and need to be stopped. This account was opened as a result of fraud e. I have no. contracts with XXXX nor XXXX XXXX. They have no legal right to collect because ive got no goods or services from either of these entities

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 2018-03-29
Company: Army and Air Force Exchange Service
State: GU
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  consistently fails to list my Army and Airforce Exchange Service Military Star Card credit account onto my XXXX  credit report. XXXX non compliance with the creditor lowers my credit score. I have reapetedly contacted the Army Air Force Exchange Service Military Star card program to complain about this and the Creditor has assured me that they have consistently reported my Army Air Force Exchange Service Military Star card credit account to XXXX. XXXX  has failed to comply with the creditors request. I plea for immediate relief from XXXX illegal unfair pattern and practice.

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There were charges on the account that did not belong 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 2018-07-11
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/XXXX I deposited 3 USPS Money Orders to Capital One Bank. The total was XXXX. One USPS Money order for {$500.00}, and two for {$1000.00} each. On XX/XX/XXXX I recieved a charge back for {$1000.00} and the bank says that one of the money orders was counterfiet. I verified the serial numbers by calling USPS and they confirmed the serial numbers were in the system for the correct amounts. When I deposited my 3 money orders I verified the hologram and the security markings on the money order before depositing. The bank is refusing to acknowledge that they made a mistake and classifying my money order as counterfiet and is refusing to provide me with the original money order for {$1000.00}. Instead the bank gives me a legal photo copy of the money order with the words COUNTERFIET written on it. They are refusing to look into the matter further and are unwilling to fix their mistake. I know the money order was real. They wont disclose why they think the money order is counterfiet are not unwilling to help with the matter. I have tried talking to serveral supervisors in customer service as well as the legal team and no one can explain to me how the money order was flagged as counterfiet. I am out XXXX due to this mistake on their end and they are not working with me to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, 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:
Equifax continues to commit Fraud. I have already advised Equifax over three different times, and complaints that I am a VICTIM of True - Name Fraud, and Identity theft after my wallet was stolen. I have provided Equifax with a copy of a law enforcement document to provide proof of Identity theft. Equifax refuses to follow the FCRA laws put in place to protect consumers whom are a victim of identity theft. Per the FCRA requirements if you provide a law enforcement document FTC Report which is a legal document. Providing proof to the company of identity theft, and requesting the fraudulent accounts be blocked. The credit bureau legally has an obligation to do so. In the State of Texas we follow the FCRA laws. Equifax continues to violate the FCRA laws, has not provided resolution. In fact Equifax is committing fraud themselves by placing the Fraudulent information on my report and not blocking it, knowing these are fraudulent accounts. You havent verified anything. The addresses these companies have do not relate to me. The XXXX XXXX XXXX have been blocked with XXXX, and XXXX. The XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX account and XXXX XXXX accounts have been blocked with XXXX and XXXX. The XXXX/XXXX account has been removed from the Company on XXXX and XXXX  as fraud. The XXXX  XXXX XXXX closed account has been removed from XXXX  and XXXX. Yet Equifax knowingly has a law enforcement signed document and continues to keep the fraudulent information on my reports. I am going to have to forward this to my lawyer since legally I have rights to protect me as a consumer and Equifax refuses to follow any laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-07-05
Company: Convergent Resources, Inc.
State: AZ
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:
Hi I am writing this complaint against XXXX and XXXX. XXXX and XXXX both said they verified a Fraudulent Convergent Outsourcing collection account on my credit report. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


I have also attached the correspondence I have rec-ivied from XXXX and covergent. 
I have also attached my ID so XXXX cant falsely say I hired someone to dispute these for me. 

I also want XXXX to know I have filed a complaint with the Attorney General Office and my next step is litigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX once again made an error on my statement that they're blaming on XXXX because they don't want to fix it. They keep telling me give us a chance, when I do I get XXXX responses such as the letter attached. I do not have any interest free purchases with them anymore. The 2 I had in XX/XX/XXXX should've been paid off with many payments made to them by now. Recently I get a statement from them showing 2 with very high balances & 1 low that should've been paid off by now! I went onto their site to dispute it even sending the same statement I've attached to show them all of the info. They sent me back a generic response stating I need to send it in writing! Email with attachments is considered in writing if I am correct! This is once again their way of refusing to handle problems. I told them I'd report the issue to you to force them to once again respond as I had to the last time they gave me the run around back in XX/XX/XXXX. They asked that I give them a chance, then I received the attached letter which is exactly how they avoided handling the issue before! I'm sick of this co. and have decided once they're paid off this acct. will be closed! I have no desire to do business with those that try to pass the buck and refuse to resolve problems. They don't need my business and neither does XXXX. Neither is really that good at figuring out problems or correcting them so the complaint will be against both co. 's. This way XXXX will see I had to file 2 complaints about the same issues against XXXX because neither wants to take responsibility for doing things right. I've made my payments on time, have used the card responsibly yet both co. 's just pass the buck to avoid taking responsibility and accountability. I've had it with both and will do my shopping else where. Neither is the only game in town and just gets worse as time goes on. I want this mess corrected effective immediately. If they don't I'll sue both until one of them decides to step up and do the right thing! I don't do the no interest deals anymore because they don't credit them back properly when I return something. So when I did the last $ 500+ purchase back in XX/XX/XXXX, it took me coming to you to get them to fix it, that was it for me! Now I see another huge no interest deal on here that I know for a fact I didn't do???!!! Nope! Not putting up with it anymore. I said it before that I would close the account but gave them another chance, now that is the intent with no turning back. Neither co. deserves my business with the horrific service levels provided over the last year and going into XX/XX/XXXX. I refuse to do business with anyone that can't provide top notch customer service. This problem better get fixed or I'll see both in court!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04
Company: Bread Financial Holdings, Inc.
State: FL
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:
Paypal credit. Account number XXXX XXXX XXXX XXXX in the name of XXXX XXXX, the interest is {XXXX} dollars for the amount of {XXXX}, during the month of XX/XX/17. I consider that the increase is exaggeratedly high, for this reason my complaint. I need your help to get my money back. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Nelnet, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In my credit score it has listed that i have 2 derogatory closed accounts from my student loans. Both accounts were satisfied and paid in full from my Federal Tax return this year in XX/XX/2020, i have a letter from the IRS stating and showing that my Ferderal Tax return was taken to satisfy these delinquent accounts. And now that they are closed and satisfied its still showing on my credit report and showing that i owe when in fact I do not!

Company response to consumer: Closed with explanation