BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: CA
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 thought I was on track with the " help '' of Navient to be in line for the PSLF and that is when I found out that my publicly backed student loans do not count as qualified payments. I needed to convernt my loans to direct loans. My loans were owned by the department of ed and serviced by navient, but that wasn't all that was needed for the PSLF. That seems to be what was best for navient. Also, I spent years struggling to repay and Navient kept pushing me into hardship forbearances instead of even telling me about the income based repayment plans. That would have saved me a lot of fees and interest over the years. 10 years out of school I have a student debt principal about what I borrowed. I would say the train of misinformation began after my XXXX XXXX  in XXXX with forbearances and fee city. In the early XX/XX/2010 's I got setup on IBR after reading about it online and struggling with the company to get me the paperwork. I was never explained about direct loans vs FFEL, which my school pushed me into the FFEL loan program as far as I can tell, no alternatives were explained. I was misled about the PSLF qualifications with my IBR based loans as qualifying even though they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Credit Karma, LLC
State: PA
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:
There was an unauthorized hard inquiry on my credit report, as provided by credit karma, from XXXX XXXX, today, XX/XX/2019. 
Neither I nor any member of my family has contacted XXXX XXXX for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a tax notice in XXXX of XXXX for our local school tax. I contacted our mortgage broker and he stated that the mortgage company would handle this due to being in escrow. We received another tax notice in the mail in XXXX that the bill was still not paid and it was due by XX/XX/XXXX or a late fee would be charged. I called the mortgage company, PHH Mortgage, and spoke with an employee. She asked me to send it to the tax branch of the company and gave me an email address. I sent the email to the address with a copy of the bill attached. My wife then received a letter in the mail on XX/XX/XXXX that the school taxes were still unpaid and we had been turned over to a collection agency. I then contacted PHH Mortgage again shortly after receiving the notice and spoke with another employee. This was done on a conference call with our mortgage broker. The employee was sent all this bills and the letter and he stated that it would be taken care of in five business days from the phone call and that I would receive a letter in the mail in five business stating such. It was also determined that the money for the amount owed was in the escrow account. Two weeks later, I heard nothing from PHH Mortgage and the taxes were still outstanding. I then called again and spoke with another employee. He sent me to a different employee by the name of XXXX. I explained to him yet again the issue I was having and what we needed handled. I again sent him a copy of the letter received in the mail and he advised me that the tax office would be contacted and the issue would be resolved in five business days. After five business days, he called me and stated that they would need more time to handle the issue. With a deadline quickly approaching and the risk of being turned over to a debt collection, I feel the issue will not be resolved in time without the assistance of someone else other than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are ignoring my disputes. If they can provide me proof that this is my debt. It need to be deleted as soon as possible. If they can not follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Checked my credit report on XX/XX/XXXX and Navient was reporting on a student loan Ive never had with them. They recently started to report on my loans who were with XXXX and now XXXX yet they have hit my credit horrible and my student loans are from XXXX they could not have been my services ever and I want this information removed. 
I have a credit attorney working on this and they have never been able to provide documentation and kept reporting till XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
File Number # XXXX. To Whom it may concern XXXX XXXX county clerk & Comptroller and TransUnion have violated the Fair Debt Collection Practice Act ( FDCPA ) Pub. L. 95-109 ; 91Stat.874, codified as 15 U.S.C1692-1692p

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 2018-03-20
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/XXXX, due to a temporary financial hardship, I requested for extension and reduction on loan payment until I bounced by financially.

I was unsuccessful in getting that request approved. This resulted in 2 30 day late reportings on my credit back to back for the month of XX/XX/XXXX and XX/XX/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 2018-03-25
Company: Resurgent Capital Services L.P.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had a loan with XXXX XXXX, that I was falling behind on due to a layoff. XXXX sold the loan to XXXX XXXX before it was 120 days late. I had never received the validation letter from XXXX XXXX and when I was in contact with them via phone around XXXX or XX/XX/XXXX they stated they were apart of XXXX and made me believe they were a company within XXXX. ( Like they were an in house collection ). They first asked if I could settle which I could not and said it was fine to just set up small good faith payments, and we would workout a settlement at a later time. I went ahead and set up small good faith payments with no documentation because I thought I was speaking with XXXX XXXX who was already handling my loan. Fast forward to XX/XX/XXXX and they have reported on my credit file over a year later that this account is in collection with a collection agency. Unbeknownst to me I thought XXXX was apart of XXXX and that this was not with a collections agency and never received any documentation that this was sold to a different company nor have I ever received the Collection Validation letter that you receive when you are sent to a collection agency. Then I also find that XXXX XXXX also sold them my file before I even defaulted which was why I was confused about the debt, and was so willing to continue payments and started payments without question to XXXX XXXX. Both companies were very deceptive in how they conducted business and I also want the debt validated, because what XXXX reported as delinquent and what XXXX shows with the small payments that I have been making do not match. I am afraid at this point they will not honor my validation request because they never sent me the initial validation of debt letter, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Texas XXXX Acct XXXX This is the information, I did everything asked of me. To get the agreement in yet Ocwen is again trying to deny my modification. This is wrong i am now being asked to fill out yet a 4th package and this is wrong I paid {$50.00} to have this notarized. I want my disaster modification reinstated. This have been a nightmare dealing with Ocwen. I am beginning to get sick behind this. I had XXXX and now i am getting sick behind this. Ocwen have tried to sale my house 5 times now. This is wrong. I live in a declared disaster area. If this is not taken care of i will be forced to retain a lawyer. Because i did all that was asked of me the package was delivered on time and notarized on time and i have included proof. That i did all i was asked. They should be calling the notary man. If his part is wrong its not my fault. Ocwen need to call that man and ask. Because all that was required of me was completed before the XXXX i am not a notary so i do not know the rules. As to what his ( notery ) is supposed to do signiture wise or whatever. So i would not have known this was incorrect at all. Had i known i would have had the man correct it asap. Ocwen is yet again trying to deny my modification on wrongfully accusing me of sending them copies instead of orginals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Nelnet, 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:
I have one loan in my 28 years of living giving me the same issue. Whats happening is the loan is being sold over and over and over again. Upon my research in fact Nelnet have two different account numbers for the same loan making it look like more than what it is. I also reached out to them because this loan was established in XXXX! Its XXXX and Im still fighting to have this removed! I currently got in touch with the creditor that have the loan today to work to get it in rehab status. My issue is I also reached out to the credit agencies all 3 major ones to despute all inaccuracies and try to get stuff of my credit. So far only one has succeeded in one account! The others will not budge! So nelnet, then XXXX/Nelnet then nelnet/XXXX and last XXXX are all reporting that one loan. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: JTM Capital Management, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is Not licensed to collect any debts in the state of Louisiana and this debt has been paid already anyway. I've contacted the original company and this company because they're failure to remove this paid debt is damaging my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2019, I sent a letter to Trans Union, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have taken longer than that.

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 2018-03-25
Company: Experian Information Solutions Inc.
State: DE
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid $ XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take 60-90 days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days. Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.

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 2019-02-11
Company: DISCOVER BANK
State: WI
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 am not aware of these inquiries made on these dates. 

XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX -XX/XX/XXXX Bank Credit Cards

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
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:
Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX  XXXX, XXXX XXXX, as well as other loans ( " non-XXXX  loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/2017, XX/XX/2017 and XXXX XXXX, XXXX and XX/XX/2017 is being reported incorrectly. With that being said this account should be deleted ASAP.  With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On Experian report you reporting my account was on time but XXXX and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

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 2019-02-11
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: Account information incorrect

Complaint:
Hi, I am having a problem with XXXX XXXX XXXX reporting my account late, if I am on a trial loan modification period. You shouldn't have been reported my account s being late. Borrowers who enter into the trial modification period should NOT be reported as late, according to servicer guidelines for XXXX XXXX, XXXX XXXX, as well as other loans ( " non-GSE loans '' ) being modified by HAMP-participating servicers. With that being said XX/XX/ 2017, XX/XX/ 2017 and XXXX XXXX, XXXX and XX/XX/ 2017 is being reported incorrectly. With that being said this account should be deleted ASAP. With this being said please delete this account from my credit report. I have the right for an accurate credit report under FCRA. On XXXX report you reporting my account was on time but TransUnion and XXXX  you report me as being late. that alone is a mistake you made it have to be deleted. see attachment.

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 2018-03-21
Company: Fidelity National Information Services, Inc. (FNIS)
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 status incorrect

Complaint:
I never have any accounts with a balance I dont know why I denied when I apply to open a checking account.. all I ask show me a statement my license photo copy any documents signed by 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 2018-03-25
Company: EQUIFAX, INC.
State: DE
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: Problem with personal statement of dispute

Complaint:
In XX/XX/XXXX, I chose to begin working with a debt management company XXXX XXXX XXXX. XXXX sent proposals to all of my creditors and were able to work out payment arrangements with all of them including XXXX XXXX. XXXX XXXX was going to be paid XXXX XXXX monthly until the account was paid off. These payments were made every month from XX/XX/XXXX until the account was paid off recently. However, in XX/XX/XXXX, four months into the payment plan, XXXX XXXX reported my account as being 30 days past due. The following month in XX/XX/XXXX, XXXX XXXX then updated my account to show that I am not past due at all. However, they were only paid $ XXXX/month and no payment had been missed. I have contacted XXXX XXXX months ago, in regards to having the mark on my credit report showing 30 days past due removed. I disputed this on my credit report and XXXX XXXX chose at that time to not reverse the mistake. I spoke to a manager who then told me that it was their error and that they will work on getting it corrected but it would take XXXX days. That was almost a year ago. I then contacted XXXX XXXX recently in regards to the same issue. I escalated this up to management who informed me that I needed to send in a letter and a copy of all three of my credit reports showing the error, and they would send it to their credit bureau team. This was not explained to me previously and I was told is the reason why nothing had been done. I had this expedited so that I would not have to wait another 60-90 days.  Even after having this expedited, I received the reply that XXXX XXXX would not be correcting my credit report. This has been proven to be XXXX XXXX 's fault and they have marked my credit for one month which no other creditor has done. I am showing up to date with ALL of my other accounts with every creditor through the same months and XXXX XXXX admits ( and the credit report shows ) that payment was made every month to the account. I am not asking for a lot, I would just like XXXX XXXX to take this inaccuracy off my credit report so I can move on from them for good.

Company response to consumer: Closed with explanation