BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae sold account to Navient. Since Navient my student loans have increased and the interest accruing can not double my loans. I attended XXXX XXXX XXXX  XXXX in XXXX and graduated in XXXX. In XXXX tuition was {$15000.00} per my carbon copy of our agreement. Sallie Mae disbursed {$15000.00} to the school of 2 subsidized and 2 unsubsidized loans. And I received a {$3500.00} pell grant. I also took out a private loan on my behalf at XXXX XXXX for $ XXXX and gave XXXX out of pocket {$2900.00}. Those figures equal {$21000.00} and tuition did not cost that much. Presently, Navient has my 4 loans at {$22000.00}. It has increased XXXX. The first 2 years I paid {$190.00} a month for close to 2 years. That is over $ 3K paid. The XXXX I paid doesn't even reflect on the account. I have had to put my loans in deferment, unemployment deferment and forbearance since XXXX. I feel Navient is not being honest. Student loan interest rates are from 5 % -6.8 %. My XXXX loan is now {$9400.00}, {$3500.00} is now {$4600.00}, {$2700.00} is now {$3400.00}, and {$3000.00} is {$4500.00}. During deferment or forbearance I thought interest is paid by the government. The initial tuition and disbursements are incorrect. The financial aid representative at XXXX at this time made consecutive errors with student loans. I am a XXXX XXXX XXXX XXXX and unable to go back to school as this debt is increasing. I have a baby and am XXXX. I am XXXX and working as a XXXX in the hospital setting. The XXXX role was demoted and pay rates declined. A XXXX was only make what a XXXX XXXX XXXX was and could only perform those job duties. As you now need a XXXX XXXX degree to perform XXXX duties in the hospital setting now. My income for last year was {$5100.00}. I am still making payments on my XXXX XXXX private loan that was XXXX and now is {$5600.00}. I make monthly payments of {$97.00} a month and paid {$86.00} a month since XXXX, deferring for a few months for unemployment and national disaster in the past. I would like Navient investigated regarding this matter. I would really like to attend school and to become a XXXX so my income can increase. I am unable to go back to school because of this burden. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 Name of Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It Also States As A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I AM A VICTIM OF FINANCIAL IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the. following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a loan modification. The loan matures in XXXX. The interest rate is 3.12 %. 
We are overdue {$22000.00}. The principle balance is {$150000.00}. Our current payment is {$1100.00}. We fell behind because our daughter is XXXX XXXX XXXX and has had XXXX babies she can no longer care for. We are in the process of adopting them. This si a costly process. we did not just arbitrarily, fall behind? 
We were denied because the lender said it would increase our payment by more than 25 % if they modify the loan? 
That is not true

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$180.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2021-05-03
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed this on my credit reports. I have no knowledge of this account or debt. This is not my provider & have not used this service since I previously paid off a debt from XXXX XXXX XXXX and have not used them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: AmeriCollect
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to contact this company multiple times regarding a debt that they are reporting to my credit. I have not even the slightest clue what the debt is and when I request validation, they just send me a print out of some bill that does not even describe the debt. Honestly, how many people can just say you owe something, don't provide proof, and expect you to pay. How are they doing this and to how many people thus far. The very last time, they sent me a letter in the mail attached stating that my claim was frivolous and they refuse to investigate any further. They did not provide me with anything I requested and simply stated that they sent verification and validation to the credit bureaus. If they refuse the investigate, they should not be allowed to continue reporting this harmful information to my credit reports. The received communication from them XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX Balance : {$7200.00} This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. You failed to do so. REMOVE 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 non-monetary relief
Consumer complaint received 2019-11-17
Company: Experian Information Solutions 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:
I AM THE VICTIM OF IDENTITY THEFT. PLEASE HELP ME RESTORE MY IDENTITY. THE FOLLOWING ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME. PLEASE BLOCK THE FOLLOWING DATA FROM MY CREDIT FILE. PLEASE UPDATE MY ADDRESS TO THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX. 

PLEASE UPDATE MY PHONE NUMBER TO THE FOLLOWING : XXXX ACCOUNTS : XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-12-10
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was purchased by Freedom Mortgage in XX/XX/XXXX. Our home owners insurance was paid for by us through XX/XX/XXXX. Currently- Freedom Mortgage is trying to illegally make us escrow our Home Owners Insurance although we have specifically told them that we pay it on our own. They have not changed their billing and are still trying to illegally make us escrow our Home Owners insurance even though they have no legal right.

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 2018-01-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( Experian, XXXX, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


Experian : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX : XXXX XXXX Account Number 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 2023-11-22
Company: Nelnet, Inc.
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:
Since XXXX it has been an absolute impossibility trying to get Nelnet to correctly do their job. I have spent more than a dozen hours on the phone waiting on different representatives, all who have been no help. I applied for the XXXX XXXX through students.gov website back in XXXX. I followed up with Nelnet to make sure they have all the correct info and was told I needed to provide current income, even though that should have been possible with my tax filings through my initial submitted plan. I gave the rep my info and asked him how long I could expect for this to go through. He assured me within a months time. I filed a complaint on students.gov on XXXX and it is still pending and I was guaranteed a response within XXXX of that. No response to this day. XXXX you know, many days go by and I had zero updates on my account and my plan still hadnt changed. I believe that initial call was on XXXX. Then I called again XXXX and waited over another XXXX hours to reach a representative. I explained to her that I was recording this phone call and then asked why my plan had not been updated, why I had received zero correspondence from them and why I couldnt open any old inbox messages. She had no answers. After XXXX separate long waits while she spoke to a higher up privately, she then told me that the last representative didnt properly direct my plan. She also told me she didnt have a reason as to why my correspondence had been turned off on their end..I reiterated the situation so she could confirm my understanding. I said so the last rep didnt do anything right and you guys had my correspondence off and now Im about to accrue interest? She said yes. I said I wanted my plan corrected to where it should have been for over a month at this point and she told me I had to send in a self verification letter! to once again establish my income which should have already been done twice at this point and that they could only put me on a forbearance which would still accrue interest. I said so Nelnets blatant mistakes are now causing me money and you cant do anything about it even though I have did everything I should have done? She said yes. I told her this was unacceptable and is part of the reason there is a huge negative stigma associated with the company at this time. It sounds like fraud to me. Its now XX/XX/XXXX and my plan has not changed yet even though I sent my certification letter in a while back. I will not be paying Nelnet extra money because of their admitted incompetence and mistakes. I have the whole recording of that conversation. I filed for the save plan initially on XX/XX/XXXX. Thats almost 3 months ago. This is shameful. I also asked the last representative if they had a transcript or recording of the call from XXXX and she told me yes. So they have proof I was lied to then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CAINE & WEINER COMPANY, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.

362

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2020-02-12
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXX I called Navient questioning my balance. At this encounter I was told that I had been in bankruptcy for 10 years ( XX/XX/XXXX-XX/XX/XXXX ) and had additional interest of {$10.00}, XXXX added to my account which per the Navient representative my total owed was {$26.00}, XXXX. I was only in bankruptcy from XX/XX/XXXX-XX/XX/XXXX and provided the documentation to prove this. After investigation by Navient I was told that I was in bankruptcy for 10 years and the additional interest would remain. I continued to make my regular monthly payments. When I received my monthly payment reminder for the XX/XX/XXXX payment it stated my payment was {$380.00} so I went onto my online account to investigate. Here it showed my payment was {$190.00}. Even more shocking to me was that my account balance was now {$27.00}, XXXX. Which is more than it was in XXXX of XXXX. I did reach out to Navient XX/XX/XXXX to address these concerns. At this point I was told that when the account transferred from XXXX XXXX XXXX XXXX XXXX to Navient ( Sallie Mae at time of transfer ) in XXXX following bankruptcy that the capitalized interest was changed to accrued interest which is where the {$10.00}, XXXX interest came from. I would like this investigated further as this is not what Navient stated back in XXXX of XXXX. Furthermore, Navient 's investigation into the questionable bankruptcy supported that I was in bankruptcy for 10 years even though I provided all of the legal documentation that disproved this. With that the additional {$10.00}, XXXX interest was left on my account. Navient also did not address the fact that my balance with additional balance was {$26.00}, XXXX in XXXX of XXXX and now my balance is {$27.00}, XXXX. I am questioning fraudulent activities on my account by Navient and want it addressed so that my total owed is accurate based on the total owed I was given in XXXX of XXXX when speaking to the Navient representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received correspondence from Midland Credit Management on XXXX, XXXX, XXXX regarding an alleged debt from XXXX XXXX XXXX. I also received a call and threat from an agent of the MCM Organization on XX/XX/2021 which I recorded for my record. He threatened to have this alleged account furnished on my credit report. I informed the agent that his threats were in violation of federal law pursuant 15 USC 1692d Harassment and Abuse. I also informed the agent that pursuant to 18 USC 8 that ALL Obligations or other security is the responsibility of the United States. Furthermore, this consumer credit falls under the Truth In Lending Act 15 USC 1602. Pursuant to 15 USC 1605 ( 1 ) the finance charge includes the sum of all charges including interest. In Conclusion there are billing errors in the correspondences that were sent to me by MCM Pursuant to 15 USC 1666 ( b ) Billing Errors. I have sent MCM a Cease and Desist, sworn Affidavit of Truth with Exhibits, and an Invoice totaling each individual action.

Company response to consumer: Closed with explanation