BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-10
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/2002 I was struggling to find a job, kept being told if I had a degree I would be better off. So, I found XXXX XXXX and the XXXX XXXX XXXX got me set up for financial aide. 

I was led to believe that the college would help me find a job once I graduated, which they did not. And that my degree would help me pay off these student loans. 

Now, with XXXX I've had NO problems EVER. They are concientious, their fees are legitimate. I have been dicking around with XXXX XXXX for 16 years now and my XXXX has not gotten out of control AT ALL, unlike the XXXX XXXX fiasco. I thank XXXX that my loan to XXXX XXXX was only for {$5000.00}, which is now {$11000.00} ( you can see from attachment what I've paid and what DID not go to the principal ). My XXXX is going down because I am now officially ignoring XXXX XXXX and concentrating on paying XXXX off. 

I want this perfectly clear, if XXXX XXXX had legitimate fees it would already be paid off. How do I know this? Because in this same time frame I purchased a XXXX truck for {$5900.00} and paid it off within 3 years. 

So, why didn't I get XXXX XXXX paid off? Because for every payment I made went to INTEREST only, nothing went to the principal. I've attached copy from Navient website. 

I was at my wits end and finally found your website ( after years of searching the web for suits against XXXX XXXX ), so I am sending this in hopes of some kind of resolution. I don't feel like I owe them ANY more money. It was only a {$5000.00} loan people! What the heck has happened to our country where big corporations are allowed to run roughshod over citizens that pay their taxes and served their country honorably. 

Thank you for your time. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Nelnet, Inc.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
When my loan was transferred to Nelnet in XX/XX/XXXX they began listing a borrower benefit of a 1 % rate reduction after 36 on-time payments. I am not aware of/do not remember seeing this benefit before the transfer to Nelnet. In approximately XX/XX/XXXX or XX/XX/XXXX I inquired about paying ahead in order to meet the 36 on-time payments requirement so I could get the 1 % rate reduction. I was told at the time that it had to be " on-time '' payments, and paying early would not meet that requirement. So, after making the 36th on-time payment I was awarded the benefit and the 1 % rate reduction began with the XX/XX/XXXX statement. In XX/XX/XXXX I received notice that the borrower benefit that had been listed on my account for the previous three years was done so in error, and as such it was being removed. I inquired about this with Nelnet and was told it should have never been on the account and that I actually benefited because they were not making the new interest rate retroactive. I informed them that I only began receiving the benefit after I had made 36 payments with them, not since the loan was transferred to them. I further inquired why the benefit should have been removed initially ( by the previous servicer ), and after some research by Nelnet was told that I had made a late payment in XX/XX/XXXX. I asked to be provided documentation of this as I have never made a late payment since my loans had gone into repayment. I was sent a letter dated XX/XX/XXXX ( not XX/XX/XXXX when I was supposed to have made the late payment ) that stated I was no longer eligible for one or more borrower benefits and the benefit had been removed. The letter did not state what benefit had been removed, nor the reason I had become ineligible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XX/XX/XXXX I paid off my auto loan with XXXX XXXX. I asked for the lien release and they sent me a form for an automatic payment. I called them and they stated I would get the correct form. Never received it. I called in XX/XX/XXXX because my credit was still reflecting past due sinceXX/XX/XXXX and because I never received the release and they stated they do not report to the credit once the account is closed. They also stated the ACH form is the form for the lien release however I am not signing anything that allows them to take money from my account since the account is paid. So I tried to handle it with XXXX  and TransUnion by submitting a dispute. Nothing changed. I tried on XX/XX/XXXX to obtain a new car loan and the finance company stated I had to put down {$2500.00}. I asked why and they stated that according to my credit report I have a repossession from eight months ago. I stated that I have never had a repossession, as a matter of fact the previous finance company has an automatic shut down system on the vehicle so if you should not pay the loan within 30 days of your due date, they shut down your vehicle which has never happened. You see, since it looks like the last payment made was XX/XX/XXXX it looks as if I was repossessed. I called XXXX XXXX and they stated they will see what they can do. Now here I sit with the previous vehicle broke and I can't get a loan because they have trashed my credit. I fixed my other issues and yet the one thing that has nothing to do with me is the one thing destroying me. Now I'm told I have to wait another 30 days from the date the issue gets resolved if it gets resolved. So I have no vehicle until then. That isn't fair to me at all. My husband is also being hurt by this because the loan was in both of our names. Please help.

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 2018-10-18
Company: Louisiana Bureau of Credit Control Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a rental at property XXXX XXXX XXXX XXXX XXXX LA. I was renting from XXXX XXXX XXXX, I became unemployed, and was struggling to pay rent. I contacted XXXX XXXX, which was my contact person with this company. 
I explained that I lost my job, and was unable to pay the rent. Instead of my living in the property until I was evicted, would they be willing to allow me out of the lease. She stated that she would contact the owner. 
She contacted me back stating if I forfeit my deposit and allow agents to show the property, while I was there for my last month which was XX/XX/XXXX, that the would let me out of the lease. I allowed agents to show the property, plus forfeit my deposit and left the house in immaculate condition. 
3 mos, a company listed as LBCC Louisiana Bureau of Credit appear on my credit report, XXXX  and XXXX stating I owe XXXX. I contacted XXXX, and explained the agreement, and was informed to contact XXXX XXXX XXXX, I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and spoke with XXXX, which stated that she would have XXXX, to call me as of today XX/XX/XXXX. I have not heard from anyone. I do not owe this company, I kept our agreement, and now they are trying to get money I do not owe. They also, stated that the house was in immaculate condition. I am not sure as to why this is being reported when our agreement was kept on my behalf. I am not even sure were they came up with the figure of XXXX, since I only had one month left of the lease and the rent was XXXX. No damage to the house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Error in legal description recorded on Deed of Trust .Been more then 6 month and Ditech Loan mortgage has done nothing to correct this matter, every time i call they say there working on it but with no results.I have sent all documents to them Ditech .

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notification from credit bureau regarding debt of XXXX from XXXX this was a previous debt that was previously disputed and resolved by XXXX XXXX and it was verified that the debt did not belong to me and the credit was deleted in XXXX. I have no knowledge of this creditor i was never notified via mail nor phone regarding debt

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 2019-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is in regards to a Capital One Quicksilver credit card account which is and laways has been in good standing. On XX/XX/XXXX, I initiated a bill payment from my bank account to pay the balance of my credit card account. Unfortunately, I requested the payment be sent to the wrong credit card account. It went to my Ca [ ital One credit card account on which I had a balance under {$200.00}. The payment was in the amount of {$11000.00}. This resulted in a credit balance with CapitalOne in excess of {$11000.00}. 

Since XX/XX/XXXX when I realized my error, I have been trying to get the money returned to me. I was first told it would take 7 to 10 business days because they had to send a check since the payment was made by check. In fact, my bank paid the bill electronically. However, I accepted the timeframe and waited. I have now called Captial One four times ( XXXX, XXXX. XX/XX/XXXX and XX/XX/XXXX ), spoken to four account reps and two senior reps. Each time I am given a different timeframe, different process and different date upon which I should receive the check. 

Today, XX/XX/XXXX, I spoke with a senior rep who told me that there is a " process '' that could take up to six weeks and that I " might '' have my refund by the middle of XXXX. She also informed me that no one above her level ever speaks to customers as they were all administrative. She also told me to get my bank to just take the payment back. I explained that the bank had made no error and that they would be unable to initiate an ACH debit against a credit card account. 

This is a large amount of money to me and I feel Capital One is holding it justly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX.

I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX, they could not verify that the information was being reported.

I request that you initiate a REINVESTIGATION into XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED or FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, 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 2018-04-29
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX at XXXX XXXX  I received A XXXX  Alert notification report that Experian has lowered my credit score 20 points from XXXX  to XXXX   because my XXXX XXXX account has decreased by {$21.00} dollars. How is this possible that if i am paying on time and my credit line utilizaton is near zero  can lower my scores. I have been keeping a close eye on my credit report since XX/XX/XXXX. I have NOT been late on any payments or missed any payments. This needs to be correcte. I would like to know why my credit report fle has been a target of strange and wrong information right after I place a complaint to CFPB and to the NJ State Attorney General. Is this Retaliation and thus punishing my credit file?

I am submitting a copy of XXXX Alert so you can see. I am requesting an explanation of how you determine this decrease on my file. This is not the first time. S far this year XX/XX/XXXX I have disputed and complained to CFPB of this abusive wrong practices by Experian.

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 2021-05-06
Company: Experian Information Solutions Inc.
State: TN
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 have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
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 2018-09-14
Company: Avant Credit Corporation
State: GA
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 was checking my credit score on XXXX XXXX onXX/XX/2018 and saw a link that said 'See if you are pre-qualified for a personal loan. This will not effect your credit score. ' I clicked on the link and saw the offers and did not proceed. Few hours later, I get an email from Avant Personal Loan ( XXXX ) with the creditor name : XXXX XXXX XXXX XXXX XXXX XXXX, AL, XXXX ; stating that my loan application has been denied and that my report was pulled from XXXX. I have not sent in any application to the above mentioned creditor, nor have I consented to my credit record being pulled for any loans. I have never planned to get a loan from Avant Loans cause I did not even know that company existed. I have sent a mail to the support email for Avant Loans sand is waiting for a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT OF ED/XXXX, USDOE/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 2018-04-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On several occasions I have submitted documentation, police report and multiple CFPB complaints against Equifax in reference to incorrect information on my credit report. Equifax has done nothing. On My report, XXXX XXXX XXXX Account number XXXX is on my account as of today,XX/XX/XXXX. As of XX/XX/ XXXX XXXX XXXX was added to my account as a charge off for University  XXXX XXXX. They are both listed on my credit file and they are both listed as charge offs. These accounts are to be removed immediately from my credit file as they are not mine. I had attached proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have had numerous issues with Navient Private Student Loan Dept in the past. I was on an interest only program but was unaware that it had expired. I answered one of their calls from Ms. '' XXXX '' on XX/XX/18 at approx XXXX. I explained to her that I could not make the full payments but would like to be on a modified payment program. I explained that my mom had passed and I was left with all the household bills and even had to get a vehicle in my name. She was polite at first and said she would try to help me. That changed very quickly as she begun to ask me extremely personal questions about some of my debts and personal accounts. She told me I had no right to get a car loan when I had a responsibility to Navient and that should be my priority. She asked me why didn't I have a better job and suggested I wasted my education. She asked what kind of things were on my credit cards and named some of them for me. I quickly realized that she had pulled my credit report without my permission. I finally asked them to not contact me by phone but they continue to. I later confirmed that this is standard practice and was told they don't have to ask for my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I called XXXX earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus Transunion and XXXX on Monday, XX/XX/XXXX that my credit score had dropped 59 points. I opened my credit reports to notice that my XXXX  student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.

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