BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took loans out through Sallie Mae in the early XXXX. The loans totaled {$33000.00}. At the time I was done with school, the great recession had hit. I was unable to find employment for an extended period of time and the loans were put into forbearance. Beginning in XXXX, repayment began on the loans. I was unable to pay the amount and had to renegotiate payment plans on several occasions. Fast forward to the last few years when I became more financially stable. I have been paying several hundred dollars each month, which has gone only to interest. The interest rate has been hiked up over and over, and is now sitting at 12 % on the loans. I have created spreadsheets detailing all payments, including principal and interest. I have paid more than 3x the original balance on the loan, and still owe the company {$50000.00}. 

I have called so many times to complain and they say this is what you agreed to on the promissory note, we can not reduce interest rates. I am so discouraged and I do not understand how this is legal. I will end up paying more than 7x what was borrowed if I can ever repay the loans. I do not know who to turn to or what to do. I can't repair my credit because of these loans. I can not save money because of these loans. I can not start a family because of these loans. I can not buy a home because of these loans. 

There must be something that can be done. Borrowers have been failed at every turn. If these companies can legally do this, I have to ask the people in charge of them, how can they sleep at night knowing that they are ruining people 's lives? People who made decisions to do better and often at a age where they did not understand the implications of these decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a XXXX in Florida. I have been with the rate reduction program for the past few years, due to my income as a XXXX. Every year I give a financial statement to reenroll back in the program. This year they said I am no longer eligible for that program or any other plan and have demanded I pay the full amount monthly on my loans. That is over half of what I make a paycheck. I have never been late in making a payment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, 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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX APARTMENTS ) XXXX ... XXXX XXXX XXXX Original Creditor : 01 XXXX  ) 1103****that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Comerica
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/XXXX at about XXXX, I accessed my XXXX   account to check balance of my XXXX XXXX. The account said " Fraud Suspended '' and could not access the transaction history. I called the XXXX number and was told that a charge attempt was made from 'XXXX ' for {$8.00} so they refused the charge and shut down the card. I am very careful not to give anyone my card -- use cash for gas and other purchases ( I am a paraplegic- use a manual wheelchair, so dont get out of the car for some purchases ). If this was a hack against XXXX, XXXX, or Comerica, THIS IS THE SECOND INSTANCE IN ONE YEAR -- THE LAST OCCURRING IN XX/XX/XXXX. If this is Comerica trying to freeze seniors ' accounts to obtain interest for a few days on millions of dollars -- YOU SHOULD BE INVESTIGATING AND GETTING SOMEONE ELSE TO MANAGE OUR ACCOUNTS. I am following up with my legislators. TWICE IN ONE YEAR??????

Thank you for your great work -- I do know you help and have helped many people in our country.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$670.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$260.00} Reason : Account is fraudulent Account Name : EXXXX XXXX XXXXXXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2000.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Inquiry from XXXX XXXX that was not authorized.

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 2018-12-20
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had paid off my loan and canceled my auto draft service prior to XXXX due date. Navient still pulled the auto draft after cancelation and pay off. Called to get money returned and was told they couldnt without my bank statement??? Wanted me to send them a copy of??? No thanks. Then was told that the manager is overriding to re-deposit into my bank account. Would be returned in 10 days. Logged on 15 days later and still no return but their website now says I am owed nothing. So I call to see what happened and now they said I would get a check in 30 buisnesd days!!!! How are they even allowed to take money when a loan balance is XXXX and the auto was canceled. Seems like they stole my money to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: ALLY FINANCIAL INC.
State: MS
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:
Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by Ally was totaled by XXXX insurance on XX/XX/XXXX. 
Ally voluntarily stopped drafting my checking account for payment. I contacted Ally on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
Ally has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Previously had a home mortgage with Wells Fargo, during the period they were found to have been manipulating Mortgage rates. I understand there is a penalty repayment program in effect. Please let me know how I apply for possible repayment owed me. Thank you

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 2018-05-04
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXXXXXX XXXX ( ERC ) for amount of XXXX. I have sent ERC a debt validation and ERC has not responded to my request. I also disputed this with all three credit reporting agency. I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While checking credit report, I found this DEBT from XXXX. I have been a victim of identity theft and fraud. I have never used XXXX and never received letters about this DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Upon receiving notice from this company I Have never done any business with I requested they explain themselves and forward me a cop y of any contract i signed with them. My affidavit clearly stated they could take NO FURTHER ACTIONS against me until they lawfully validated and verified the debt. I heard no response from them though I forwarded them 3 different letters/affidavits, official legal documents. I heard nothing for months. 

Then I pull my credit report only to find a new " debt buyer '' as XXXX XXXX labels them to be listed on my credit report dropping my score 48 points! I called them to no avail. I rude and combative representative was not even listening to my request. I requested to speak with her supervisor, was put on hold for 25 minutes and hung up on. This company is a scam " debt collector '' utilizing illegal tactics, threat, duress and coercion. How they bring a matter to court, obtain an unlawful judgement without proof of service or ever filing a legal document and contacting the primary is beyond me. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: IL
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:
Experian and XXXX have been reporting these fraudulent accounts under my name. 

XXXX/XXXX is fraudulent on my credit Account # XXXX XXXX CARD is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts.

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 2020-06-29
Company: Ditech Financial LLC
State: IN
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:
Ditech Mortgage filed bankruptcy. leaving its customers without any recourse. when I filed a complaint against them for not reporting my payments accurately they simply removed my payment history completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts

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 2020-07-28
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2018-12-21
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Back on XX/XX/, I disputed the balance of {$780.00} that took place at the XXXX XXXX XXXX. I spoke to a collector trying to solve the problem by making an offer, but they declined my offer so I filed a dispute after that. When I spoke the collection agency or XXXX XXXX XXXX, they agreed to freeze my account until they resolved they issue for the payments I provided to the XXXX XXXX XXXX on XX/XX/XXXX for {$300.00}. The {$300.00} I provided cash to XX/XX/XXXX office, I made a mistake of not asking for a receipt that day because I was upset for the unexpected fees that I wasnt notified for. After that, I dont know what money has been credited to my balance, all I know is that I am in collections for fees that I wasnt aware of. XX/XX/XXXX XX/XX/XXXXsupposed to stop the late fees after I disputed the account because thats what they agreed to, but they didnt do it they kept on adding fees to my account which is making it more difficult for me to pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Two investigation fees were charged to my account on XX/XX/2018 for {$400.00} and XX/XX/2018 for {$150.00} because they said they could not locate the car. The car is driven by my son who resides in XXXX and I reside in XXXX. I was never told that these fees would be charged in any of my correspondence with Honda Finance representatives and they will not take these fees off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: EQUIFAX, INC.
State: MA
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 reporting XXXX XXXX XXXX amount of {$670.00}. I have disputed this account with XXXX XXXX and Equifax. After dispute XXXX and XXXX removed the account and Equifax removed the account then placed it back on. This account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Fidelity National Information Services, Inc. (FNIS)
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:
On XX/XX/2020, I submitted a dispute to ChexSystems with evidence, proving XXXX accounts ending in " XXXX '' & " XXXX '' were paid in full. XXXX responded to these disputes stating these accounts were " unpaid '' and the receipts were illegible. Therefore, I resubmitted these receipts and contacted ChexSystems, and requested for these receipts to be re-presented again to XXXX. Afterwards, on XX/XX/2020, I inquired about status this investigation, and I was informed only one account " XXXX '' was updated to " paid in full. '' I have contacted ChexSystems several times, until XX/XX/2020 two more investigations were opened and as of today still no results. I do believe ChexSystems has thoroughly investigated because proof of receipt or paid in full status was provided twice. ChexSystems has refused to have a conference call with XXXX, therefore, I did not have a choice but to file a compliant.

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 2018-12-21
Company: Nelnet, Inc.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I lost my job and got another job.I am trying to get back on my feet., the company start garnishing my wages without me knowing. I do not made enough money and I have to take care of my child and live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2018 borrowed $ XXXXand funded to bank account on XX/XX/2018 with first py was supposed to be XX/XX/2018 for XXXX and 12 ph for XXXX to pay off amount borrowed plus interest now looking at paperwork and now seeing 11 of those py have a broker fee of XXXX I was not aware of which includes a fee of interest of XXXX for total of XXXX which none goes to principle or to loan. The 12 py is for XXXX which was never disclosed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation