BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called TransUnion on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to TransUnion, XXXX, and XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states 30 days late on XX/XX/XXXX but TransUnion and XXXX  XXXX OK - TransUnion and XXXX  are reporting correctly. 
- TransUnion and XXXX  states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!

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 2016-07-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and that it would be deleted from my history. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company continues to take advantage of me. They know that I can not afford an attorney to fight this issue. I did not have access to my account information online and I was not getting paper statements until XX/XX/XXXX. I requested information to help me understand where things went wrong. After they sued me and I went to court, they have been penalizing me for this. Once I found out that the breakdown was that my payments were not being applied properly, all of a sudden they justify it by saying that it was because they were paying for home insurance on my behalf. I have been carrying my own home insurance because they told me that I did not qualify for them to cover it. I have had my car & home insurance with XXXX XXXX up until XX/XX/XXXX and then I had it with XXXX XXXX to this day. I never consented for them to open an insurance policy for me. Why would I carry XXXX insurances? They never discussed this with me. I never gave them consent to do this. I just learned about this insurance when I received a letter dated XX/XX/XXXX from XXXX saying that insurance is to renew on XX/XX/XXXX. Please help me get this resolved and have my account adjusted appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a request for Validation from PORTFOLIO RECOVERY ASSOCIATES concerning alledged debts with XXXX XXXX XXXX XXXX XXXX for {$870.00} and XXXX XXXX XXXX XXXX for {$1400.00}. I asked to be provided with their Texas Debt Collection License and Bond information as required by the Texas Finance Code and proof that they either owned the debts or they were authorized to collect the debts by the owners. I also asked for proof the debts were legitimate and how they calculated the balances. 

They did not provide me with licensing or bond information. They said they owned the debts having purchased them from the original creditors but did not provide any proof they were the owners other than them just saying they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
At the age of just XXXX I was already being pressured into a student loan. I was not considered an XXXX although I did not have contact with family and was supporting myself financially. I agreed to a student loan with XXXX / Navient. After a few academic semesters I had to choose work over school as I was my sole income. I explained this situation to XXXX many times. I was often called and harassed to make payments of {$220.00} a month on a total balance of {$3500.00}. This at the time was not physically possible for me to do. I was never offered an option for income-based loan repayments. Instead I was offered forbearance twice for a total of XXXX year. After this I was still unable to make those high payments. My loan went into default and after years of begging to make $ XXXX monthly payments rather than no payments I was denied. I could n't even go back to school to possibly defer payments since I was in default. This in turn ruined my credit at a very early age which caused me to accept unethically high APR on auto loan and to be denied credit for many instances. It was only XXXX years ago that I entered the XXXX XXXX program which allowed me to get my loan out of default. Once again they wanted payments in the amount that I could not afford. I was forced to extend my loan out by many years just to afford payments. Not to mention the incredibly high fees for having transferred loan between lenders and collections. This small student loan will end up costing me more than double the amount I originally borrowed. It has taken me years to semi-repair the damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
They credit bureaus refusing to send me a free copy of my credit report and score which I 'm untitled to under the fair reporting act the reason why is because they have insufficient information on my credit report that they do not want me to see or dispute as ruining my life liberty and freedom it 's affecting me.and causing me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I am writing to complain about Discover, which has repeatedly used deceitful practices to attempt to collect payment on unpaid balances. 

I guess from their perspective they want money no matter how they can get it. 

Discover card has created another division ( Discover It ) which it uses to sell financial products to " lower end '' consumers. This division, I believe, has been specifically tasked with " accidentally '' engaging in payment fraud to cause trouble for their customers. 

On XXXX occasion, Discover scheduled a duplicate payment. Because Discover suspects the customers of their inferior Discover It products have less money, they do this to gauge which customers can be more easily taken advantage of. Since the amount of money is something that can be accessed from third party companies, it is reasonable to think this is no coincidence. 

I contacted Discover about a late payment. I let them know I have no income and no savings ; I simply can not pay. They re-enrolled me in autopay. I believe they have designed their online pay portal to intentionally mislead consumers into believing that they have disabled autopay, only to continue drawing money. 

If I ca n't pay, I ca n't pay. Discover has no right to show their customers fraudulent information and overdraw people who are already destitute just to get as much money as they can from high-risk borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
on XXXX XXXX, XXXX XXXX with XXXX organized a crime scene by stealing my house. Using forms with falsified information and unauthorized signature. They used XXXX of XXXX Tn, to remove my private property and lock me out of my house to allegedly give my house to someone at the BANK OF NEW YORK MELLON by the name of XXXX in Georgia. The alleged account had been updated to cease and desist by the time they claim to have a trial and steal my information and my house at XXXX in XXXX TN. In violation of federal law XXXX XXXX XXXX I never recieved verification or validation of some alleged debt, Now I have no house to live.

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 2015-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My house foreclosed and I had a second mortgage that was not forgiven in the amount XXXXThe company XXXX XXXX offered a 20 % settlement with me which I did n't originally agree upon and asked for 10 %. They would not do 10 % so I later agreed to 20 %, however they said they sold my debt to a law firm XXXX MN. XXXX would not respond to any of my attempts to make payments to them and threatened to garnish my wages if I did n't immediately sign an affidavit and payment plan to pay them in full. I asked them where I could send payments and they ignored me. They only communicated with threatening letters and phone calls. Finally under duress and the only way I could get them to tell me how to send a payment was I signed their pressured paperwork. I feel they used threats and fear to ignore my attempt to pay them the original agreed upon 20 % settlement which they forced to 90 % now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Nearly ten years ago, the Public Service Loan Forgiveness plan started. As a professor at a public college since XXXX, with crushing student loan debt, I was thrilled to hear about the program. My student loans were nearly triple the value of my gross annual salary at the time, so I was interested to hear more about it. Each time I inquired about it, particularly to find out what my monthly payments would be, I was told that there were no estimated costs and that I just needed to switch to the Income Based Repayment ( IBR ) plan to find out. With a low salary and many debts, I was afraid to switch from my 30-year monthly payment plan to some unknown dollar amount. So I waited three years before I bit the bullet, still with no estimate of what the payments would be. Fortunately, my monthly payments were reduced by nearly {$100.00} a month on the IBR plan. Unfortunately, I had lost 3 years of loan forgiveness, even though I was paying more per month on my loans in a qualifying public service position. At that time, the XXXX agent told me that I could not retroactively change to the IBR plan in order to recoup those 3 years. There were also no application forms for the PLSF program, and I was informed that I need only submit the employment verification sometime in the next 10 years to ensure that I was added into the program. 
Fast forward to today - I still owe nearly 130 % of my gross annual salary in the same public service position, the PLSF program applications are available online, and I finally submitted my application to see where I stood in terms of the number of payments left before my loans would be forgiven. I am furious at the response letter I just received in the mail from XXXX, stating that I am not eligible for PLSC due to " No Eligible Loan Type ( s ). '' My loans were originally issued via the XXXX Federal Direct Loan Program, some subsidized, some not. Those loans are indeed part of the forgiveness plan. It is my best guess that the method of consolidation I chose back when I switched to a 30-year repayment plan through XXXX disqualified me from the program, but I am uncertain. I 'm really not sure how to fix the problem. It is difficult to navigate between the XXXX that reviews the PSLF applications and two different loan servicers that have changed through time, first XXXX and now Navient. I feel that I have been duped, and I would like to correct the situation at least back to XXXX, if not all the way back to the beginning of the PLSC program in XXXX. I am happy to provide any employment and income verification needed in order to rectify this issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a student loan in 2007 from XXXX XXXX to pay for college. I recently finished XXXX school and the loan exited the grace period incurring a repayment fee. While the promissory note I signed at age XXXX did include a subsection effectively detailing that the company could tack on any fees they so desired at any point in time, I believe this to be unfair, deceptive and abusive. First, this provision was tucked away in subsection G of a boilerplate contract and was not disclosed in a clear and conspicuous manner. Second, the methodology of calculating this fee was never disclosed. Third, this fee is really a hidden origination charge and should have been disclosed as part of the interest rate disclosures that I am still unsure I ever received. The cumulative effect of these practices has resulted in monetary harm on my part, which I could not reasonably avoid because the fees were never disclosed to me and I had no way of calculating what they were going to be in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient owns XXXX different student loans of mine ; XXXX federal and XXXX private. I called to request a lower payment option as they were increasing my monthly payment significantly, and they would ONLY lower my payment if I would agree to a graduated repayment plan that will increase my loan payment by 400 % in two years. I requested to extend my loan terms in efforts to negotiate but I was told that because my loans did not total {$30000.00}, they could not extend the terms. My loans currently total XXXX. I was {$200.00} under this magical {$30000.00} mark, and they refused to assist or make an exception. I waited on hold for XXXX hours to " resolve '' the issue and this was the only way I was informed that I could make my loans affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have already filed for chapter XXXX back in XX/XX/XXXX or XX/XX/XXXX. I have attempted on a multitude of levels to pay Navient appropriately, but they have violated my financial well-being. They have reported horribly on my credit report, even after receiving payments from my cosigners and/or myself. I have explained my financial hardship, yet they have done everything possible to destroy my livelihood. I no longer speak to my family members, who are cosigners because of Navient 's abusive tactics. They have stated they would report good standing on my credit report after receiving payments from me but, failed to honor. They have harassed my family and I with threatening phone calls, even to the point of threatening my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
initially I was not informed about the switch from XXXX to navient. I over looked that. then I never got any letters about my loans. so I tried to log in. it failed and I went through all sorts of trouble shooting stuff. months later finally logged in. they had my address entered incorrect and with everything else it made me XXXX months in default on my loans. with XXXX they were in forbearance and since I was never notified of the change for almost a year ( saw a commercial ). now I am {$200000.00} in default on my student loans and they will not to anything to help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
on XX/XX/17 Transunion added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXXXXXX XXXX  had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.

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 2016-11-16
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Short-term forebearance. Lasts around 3 months, then calls about 3-4 times a day. 
Unwilling to lower payment amount. 
School closed down. Was essentially strong-armed into taking only private loans as the financial aid advisors told me I could n't qualify for any other financial aid. Was made to renew every semester with the claim " you do n't sign it, you ca n't continue/graduate '' Did n't receive diploma until loans were paid, even after graduation. 
Was told I could n't get forebearance, then told I could. 
Non-stop calls once forebearance/deferment ends

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Since the complaints and lawsuits have been put into the lime light against Navient, and seeing how they seem to align with how I 've been treated, I decided to file a formal complaint. Over the course of my Navient loan I have asked for forbearance, but have also been innocuously ( or so it seemed ) been driven towards forbearance. One time in particular I had gone on unemployment due to a lack of work through my job and had contacted Navient about my inability for a long while to access my account online with them. Through contacting them I talked to a woman who also talked about my forvearance ending soon. So, I brought the XXXX up and she 'd directed me to go online and file out a specific form ... to which I reaponded that i could n't get online. I was told I 'd be sent the form through email ... and I have n't gotten it. Now, come some time later I call and end up going on forbearance because I ca n't get online to access anything they 're saying would or could be provided for me. I feel between a rock and a hard place .... I hear all the time of payments getting lost or mixed up and as a person who really ca n't afford to have payments just *poof* disappear ; I 'm afraid. Now, starting today it seems that I 'm getting calls by random numbers with 90 % do n't answer ratings because they 're false Navients trying to get money. This is all nervewrecking. 

P.S. I just moved to my new address and have not bothered to try to deal with Navient until my forbearance ended. It just ended this month. Which during the same time all the lawsuits came up. I ca n't even just get online to change the address, nor do I have an identification number to give them to bring up my loan. For all intensive purposes when I 'd called them at first the woman did not know if I 'd even had a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, INC.
State: WA
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:
Several years ago a vehicle was incorrectly listed on my credit report. All 3 reporting agencies : XXXX, XXXX & Equifax, refused to report it accurately as the lender stated that it was correct. This has made it impossible for me to rent or get a mortgage for over 5 years. Recently, the lender reached out and sent a letter of apology and a cashiers check to make up for their error. I sent this letter to the credit reporting agencies, and they still refuse to remove it from my reports. This is not only scandalous, it should be illegal. I want XXXX XXXX account removed, in its entirety, from all of my reports. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation