BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: Navient Solutions, LLC.
State: IN
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 currently am repaying my student loans via Naviant and have noticed several issues with the loan process and repayment. I graduated from XXXX XXXX University Online in XXXX of XXXX and began repayment with Sallie Mae originally. During some financial hardship and moving to another state, I contacted Sallie Mae and requested help on what I could do until I was able to pay again. Sallie Mae insisted a forbearance was my BEST option and I agreed to enter forbearance without the knowledge that I would still accrue interest while the forbearance was in place. In XXXX, while still in Forbearance, I received a letter from Naviant that they would be taking over my student loan. In XX/XX/XXXX, my husband and I entered into Chapter XXXX bankruptcy and the loan was placed back into forbearance for the duration of the bankruptcy. In XXXX, we completed the Chapter XXXX process and the loans came back into the mail and I began the repayment. On XX/XX/XXXX I received an additional bill in the mail from Navient stating that my forbearance had been approved, but payments would resume on XX/XX/XXXX. This caught my attention because # 1 I was already paying on my loan ( so I thought ) and 2 since the bankruptcy had ended, I had not requested any additional forbearance options. I then proceeded to log into my Navient account online to try and find answers. I was shocked to find the had broke my student loan into 5 separate loans all accruing an individual amount of interest. I was shocked to learn that forbearance was still adding interest payments as that was not disclosed. I was simply informed that the loan would be placed on hold for " X '' amount of time. At the time of learning all of this ; to me, new information ; I felt it was time to reach out for help after reading about the lawsuit in place against Naviant for similar practices. Currently, I am a stay at home mom while my husband is the only source of income for our family of XXXX. I plan to contact Naviant again on Monday XX/XX/XXXX to discuss putting some of these loans back on hold until I can pay them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Big Picture Loans, LLC
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan with Big Picture Loan on XX/XX/17 for {$470.00}. The interest rate is 544 % which is way over Oregon 's legal limit. I have already paid {$650.00} on this loan. When I checked my account details it says I still owe {$450.00}. I was not aware that almost all the money I have paid so far has only gone to interest on the loan. I have already paid what I borrowed, plus more in interest. I will never be able to pay off this loan at this rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Nelnet, Inc.
State: GA
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:
Ive been in school at XXXX University for sometime now and Ive accrued about 20 different loans from this school with XXXX XXXX XXXX. I was out of school for some time due to hardships where I lost my job and was unable to make the monthly payments of {$500.00} per month to continue to attend school. While I was out my 20 loans all reported something negative on my credit report ranging from the months of XXXX-XX/XX/XXXX. I spoke with Nelnet and advised them of my hardship and asking as a Goodwill will they remove the late payments attached to my credit reports. I am currently back in school and on track to graduate in XX/XX/XXXX. The student loans have negatively impacted my credit reports. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, a payment of {$3900.00} was charged to my credit card. The finance company ( XXXX XXXX XXXX ), made an inquiry to XXXX XXXX XXXX on XX/XX/2019 and found that I did not have an account with XXXX XXXX XXXX, the originating charge. 

XXXX XXXX notified me that there was a problem with my account. I called them and they told me that scam had been made against my account and that the transaction had been reversed. I asked who made the charge but they stated they didn't know. They did know that it came from XXXX XXXX XXXXXXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. 
I assumed that all was then care of. 

On XXXX XXXX they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. 

There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. One person said he would refer the problem to their Fraud Dept. Gave me the number to call and the Fraud Dept. denied the case was referred to them, but would investigate.

Then the Fraud Dept. sent me a letter telling me they found no fraud, that I had made the transaction and they would do no more.

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: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax has been notified by me that I had several accounts that on my file fraud. This dispute has been going on for over months.I supplied affadavits and police report that support the claim. The same accounts was on XXXX and XXXX.Same companies.These disputes been resolvd before 30 days ... .. When I call Equifax and request a supervisor.Everyone in Consumer Affairs a Supervisor.There no access to higher management.I don't have a direct number to Office of Consumer affairs, Not sure why the have my file instead of the fraud department.This bureau removed my XXXX XXXXXXXX account on there own.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I contacted the mortgage company, Pennymac, because they claimed I was in default on my mortgage. I have never missed a payment and pay on time. I explained that their analysis of our escrow account was wrong and we were being overcharged. The woman who answered the phone told me I didnt have a choice how much I paid every month. I told her that their analysis was wrong and what it should be. Furthermore, the money in our escrow account is technically ours! She continued to harp that I was not making a full payment and said we would be referred to collections. I told her that I paid my mortgage on time every month and asked her if I needed to get an attorney because they were not applying my payment. I do not appreciate being threatened with collections and ruining my good credit because of their incompetence. 

A survey came on that I responded to after that woman hung up. After answering that I was not happy, another lady came on the phone. It turns out this company added a TWO month cushion to my escrow account, creating an underage on our account that was then added to our monthly payment! This amounts to over {$1000.00}! {$1000.00} that I am not being paid interest on! The second representative corrected the escrow payment amount and was very nice. 

This is not the first time this company has threatened me with collections because they cant calculate an escrow payment correctly and I am tired of being bullied! I firmly believe this company needs to be investigated for unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I visited the XXXX XXXX XXXX website over a month ago to get an interest statement. I also learned that my payment amount was increasing. While on the website I went to the manage repayment section to see about getting assistance or learn why the amount had increased. I contacted the office and they explained that due to a program I was on it has now expired that my payment increased. Not sure what program that was, they would never say. I asked how to lower the payment back down and they stated they would research. I received an email that my case was still under research a month later. I still have not heard back from the servicer regarding my request. Because I had not heard back regarding the amount, I checked my account to see what was charged and I noticed that XXXX payment had not cleared my account ( this payment is on auto debit and has been for years ). Today I check my account and learned that the servicer has debited my account {$480.00} without any notice to me of doing so causing my account to be overdrawn. I still have yet to hear from them regarding the payment amount increase. I tried calling their office today but learned that they are temporally closed through the automated system. I consider this transaction to be unfair. Im trying to get assistance to lower and not only am I double charged for their error, I have a much higher amount. If they were going to debit my account in that amount I should have been made aware of the charges. I dont have that amount of money to pay at one time for a loan that doesnt even pay down the principal!!! I want one of the payments refunded. I agreed for the monthly amount to debit on a certain date. It was their error for it not to debit. I also would like to know where that status of my request for lowering the payment stands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i was notified by XX/XX/XXXX barclays that a strange charge had been made on my card # XXXX on XX/XX/2020 from XXXX 's XXXX in XXXX NV I informed them that the card was in my possession and had not been used by me. 

I reported the fradulent charge on XXXX XXXX, 2020 officially. 

at that time they cancelled the old card and insisted on issuing me a new card ending in # XXXX, although i did not want it. 

I never activated that card. 

on XX/XX/2020 i received a letter confirming that their fraud department had determined that i was not responsible for the reported fraudulent activity. 

I then began receiving bills for the old fraudelent charge on the new card that i had never activated. 

I have recieved bills for the same fraudelent charge on the new, unactivated card every month since XX/XX/2020. 

I have called barclays every month since XXXX and have spoken to numerous people who have assured me that they will rectify this. I just recieved a bill for the month of XXXX. 

my FICA score has been affected, and my credit was just under XXXX before this. 

they keep sending me bills, destroying my credit and will not fix this no matter how many times i call or who i speak to.

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 monetary relief
Consumer complaint received 2019-04-21
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent XXXX XXXX ( 01 XXXX XXXX ) and XXXX both multiple letters of verification. I've requested both XXXX XXXX ( 01 XXXX XXXX ) and XXXX  to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 checked my credit report and saw that there was inquiries that were not authorized an I called to get them removed and was told I could n't. I informed them that I was a victim of their inquiry issue and they still said no.

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 2019-04-21
Company: JPMORGAN CHASE & CO.
State: CO
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:
XX/XX/2018 We were sent a statement on our credit account on a card issued by Chase bank. It was a XXXX XXXX card. We had not used the card in over a year and had received no statements in about 12 months. The statement received showed a balance of {$96.00} for an annual fee. Not having used the card we saw no sense in keeping it. I called Chase bank and asked them to close the account and cancel the cards, which I was told they would do. About a week later I received an acknowledgement that the account had been closed and there was still a {$96.00} balance. I wondered why I would be charged for and annual fee if I had not asked to renew in the first place. Plus I was receiving no service from Chase for that year though if they wanted a reasonable amount about for 2 or 3 weeks service, I would consider that. I day or 2 after that cancellation I received a statement showing a {$15.00} late fee on top of the {$96.00} fee that I thought in all fairness would be pro-rated. I called and spoke to someone in the credit department and asked that these fees and a reduction be considered. I received a letter from a " senior service specialist "  saying that the {$25.00} annual fee was assessed in XXXX of 2018 ( news to us as we received no correspondence ) and was considered valid. The annual fee was {$96.00} and the late fee was {$15.00} so I had no idea what {$25.00} annual fee that they they were talking about ... I had confirmed that Chase had no intention of acting in good faith so I sent them a letter denying their " fees '' as invalid.. I told them that they should pay me that fee for the time and trouble that I had taken in attempting to deal fairly with this issue. I then told them that as we had not received any goods or services from them for the time that they wanted to charge us for, that we should just call it even and I would not respond to any further claims for payments that they had in no way a right to .. I get a statement every month showing more added late fees which also went to XXXX XXXX, who has been more than accomodating to Chase by zinging our credit scores each month. I will not tolerate Chase just charging me for something that I did not ask for or receive in full.. The {$25.00} " annual fee '' mentioned by the senior service representative at Chase would have been fine with me just to get rid of them, but they wanted {$96.00} plus lates fees and it goes on and on. I have related these events as best as my recollection and paper records can substantiate. A review of any of our credit reports clearly show that we are NEVER late on any payments, NEVER have been. It's only when we are grossly mistreated and cheated that we must defend ourselves and just say " no '' to their claims ... Thanks for your patience and understanding..XXXX  & XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
On XX/XX/2018 I called Nelnet to ask them about what college did I attend to pay {$2000.00}. I needed the exact college. 
They told me, it was a account that was canceled by the government. 
But it is on my credit score, and it is hurting my credit score. 
Claiming that I owe them. 
I made a dispute on a dispute site, and they sent the information to a credit bureau. 
Please help me with this.

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 2019-04-21
Company: AES/PHEAA
State: PA
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 spoke to pheaa 2 days ago in order to try and get an income-based repayment plan because I've been unable to afford the payments. And they refused to let me apply for the income-based loan saying that I was ineligible for the income-based loan because I am currently in default. But the purpose in me reaching out to them was trying find a way to work together to get myself out of this position. The only option they gave me was a payment that represented a 33 % of my income, {$500.00} a month, which will not leave me in any position to keep my house or feed my children. They also told me that if I don't make the payments they're going to garnish my wages so heavily that I will not be able to keep my house or feed my children. 

At this time, they are leaving me no choice but to not do anything because nothing I can do is good enough. If there's anything you can do it would be greatly appreciated as I am trying to make some kind of effort. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Experian Information Solutions Inc.
State: NV
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 received a copy of my credit report and I notice a fraudulent hard inquiry, I called Experian right away and placed a fraud alert and ask them to remove the inquiry for my credit report. They help me with the fraud alert but they haven't remove the fraudulent hard inquiry. Please help me removed this fraudulent hard inquiry from my credit report. XXXX XXXX XX/XX/ 2018 2018

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 2022-04-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit report act XXXX XXXX XXXX XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX 2021 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 a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-21
Company: Experian Information Solutions Inc.
State: MO
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 have sent XXXX  XXXX XXXX and EXPERIAN both multiple letters of verification. I've requested both XXXX XXXX XXXX and EXPERIAN to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.

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 2018-03-24
Company: Prosper Marketplace, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously complained about Prosper about identity theft, I have provided them will all the documentation supplied but they responded and closed the  complaint with no resolution. I am again attaching all the requested information and requesting this be deleted from my credit profile and removed under my name. If this is not resolved, I will take to Small Claims Court for damages.

Company response to consumer: Closed with explanation