BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I did a dispute with the equifax. I was living with my parents as a XXXX under the age. I was living with my mom 2 to 3 years prior to this company reporting on my credit when I became of age they told me I had to go on the lease as a tenent and was only XXXX they said even because I was staying there I was not paying rent and was a XXXX XXXX still in School. They attached the balance of the bill on my credit report this is affecting me to get a place and continue on with my life, They attatched this reporting to my moms credit as well and she is the responsible Party. I do not believe I should be held accountable for this bill Im just trying to start off and it has effected me greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
in XXXX I was diagnosed with a rare XXXX at XXXX years old. It has left me unable to work for the past 5 years, and I have needed to undergo various intense medical procedures in order to battle back the XXXX, i.e. XXXX and XXXX treatment. At the time of diagnosis I contacted Navient in order to come up with a manageable pay back plan, or forgiveness of the loan in case I die from my XXXX I want my co-signers to be released. There are no options for some one in my position other than to do interest only payments, or keep paying off the loan balance. My cosigners ( my parents ) are responsible for paying back the balance in full if I pass away from XXXX. I give half of my income every month to Navient because I do n't know any other way to make this loan go away. However, my income is roughly {$800.00} a month from XXXX, so loosing {$400.00} every month to a student loan payment is pretty discouraging when there 's no end to my illness in sight and I still owe over the amount I borrowed to attend college. I had been assured at the time I took out the loans from XXXX that interest would not be added to the balance as long as I remained enrolled in school, but that was not true. The company added interest even while I remained full time enrolled in college from XXXX to XXXX when I graduated. I ask the company bi-annually if they have created any options for a loan holder in my position and they have not. My loan balance is roughly {$64000.00} at this time, paid down from {$72000.00}. I originally borrowed {$62000.00} to pay for college tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Alabama state tax lien was paid and released in XXXX/XXXX -- Income Tax Year : XXXX Case : XXXX Lien : XXXX However, it 's still showing up on two of my credit reports ( Equifax and XXXX XXXX. The fact that it is still on my credit reports has caused me to be denied a loan and has also caused my XXXX score to drop significantly. Other than this tax lien, my credit is PERFECT. 
I disputed this a couple of years ago but each of the credit bureaus told me that it has to stay on my credit reports for 10 years! 
You should also know that I was n't even aware that I owed the state of Alabama DOR any money. I did n't even know there was a tax lien until I noticed it on my credit reports. Needless to say, I paid it as soon as I could. 
I have worked very hard to maintain my excellent credit rating and have been a law-abiding and attentive consumer. Yet because of a ridiculous rule, I have to suffer this " punishment ''? When is someone going to start looking at these types of situations and realize that they only hinder the consumer? The whole credit reporting system has been messed up for years. 
I have attached a letter from the Alabama DOR stating that it has been " paid and released ''. How can I get Equifax and XXXX to remove this negative item?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-13
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have a loan # XXXX originally from XXXX XXXX that has been serviced by Seterus, Inc ( Formerly XXXX Lender ) that has never been late ( account was always in good standing ), but since XXXX XXXX they have misapplied payments to all principle instead of applying to the interest installments. We have had to call every month since to attempt to correct then, and they have not been able to do so. They adjust it after several calls a month, but for the latest month ( XXXX XXXX ) they have not been able to correct it and have been very incompetent about it. Leading us into a situation where we were considered late despite making the payment on time ( actually two weeks early, including extra ). We have no escrow accounts. 
Prior to this we had issues with them and claiming we did n't have flood insurance ( when we did ), and generally a horrible experience with the company on a loan with otherwise no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was delinquent on my credit card acct & entered negotiations XX/XX/XXXX with usaa credit card settlement dept to attempt to settle for less than balance due. on my first conversation i made an offer & usaa countered my offer. on the second contact with usaa a customer service rep named XXXX stopped negotiations when I countered usaa 's first offer with the same amt/percentage as my initial offer. XXXX stated that I could n't counter with the same amt/percentage. I was never told I could n't submit duplicate counters PRIOR to entering negotiations. after negotiations I filed a cfpb complaint ( case number XXXX ). I got a call the next day from XXXX of usaa & talked with him about the issue. the only thing that came of the conversation was that I got was his direct extension & he asked me to call him directly if any other problems should arise. Fast forward to XX/XX/XXXX, I re-entered negotiations with usaa to settle the same credit card debt for less than balance due & during the course of negotiations on 4 separate occasions usaa customer service reps took my identical offers and countered them contrary to what XXXX had stated XX/XX/XXXX. i finally reached a settlement agreement with usaa XX/XX/XXXX & am currently executing that agreement. I have XXXX issues, first issue that concerns me is 1 usaa rep XXXX may be operating contrary to usaa 's operating procedures versus the XXXX other usaa reps that are operating contrary to XXXX by accepting my same negotiation offer amount/percentage. the second issue is that since XXXX I 've been calling XXXX of usaa directly at ext XXXX a minimum of once weekly & leaving messages on his voicemail requesting a call back directly. to this date XXXX XXXX has n't returned any of my calls. despite my repeated attempts of calling usaa & requesting usaa reps email XXXX directly requesting he call me, I 've not gotten a call from XXXX. I believe my third issue to be the most important, I believe as a direct result of usaa rep XXXX actions of wrongfully ending negotiations XX/XX/XXXX, I 've incurred {$700.00} in additional mo pymts, interest & late fees to date that I SHOULD NOT have incurred. I want this issue resolved immediately by either XXXX or a usaa rep with equivalent or higher authority as XXXX XXXX contacting me directly & agreeing to adjust the final XXXX amount to no less than a minimum of a {$700.00} reduction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have no knowledge of said debt, other than XXXX and XXXX, and I would like it removed as it 's reporting to the CB and negatively affecting me

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 2016-08-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I requested to dispute a public record on my Experian Credit Report Bkpcy IL from about couple of years EX is refusing to dispute my request by giving me the answer '' it was previously disputed and they will not open new dispute ''. I demanded to see Verifiable Proof for this account listed on my credit report ( a consumer contract with my signature on it ) which Experian if they are reporting any account on my credit report they should have in their file based on the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), If they are not able to provide me this proof they have to remove this from my credit file and this public record should be removed long time ago. This is intentionally action to keep my credit score low.

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 2015-11-26
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested the report from XXXX last spring and though it docked me so it says i received it, it would not download. I recently requested my free annual report from all XXXX agencies and could not download them. Then I sent in a request following the instructions carefully over 6 weeks ago and still have not received them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
last XXXX i pulled my equifax credit. since then i have purchased nothing and not been late on anything. today i was denied credit because of equifax. today they are not providing my credit report and are insisting that i MAIL in photocopies of my SSCard and Utility Bills. I am in the system, something is going on with my credit and i am being treated unfairly. TIME IS OF THE ESSENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX is reporting a collection account from XXXX on My XXXX, Equifax, and XXXX credit report as an open account. There has been several requests for validation of debt, but none provided from each credit reporting agency. I have no knowledge of said debt. I am also concerned because this information was shared illegally ( third party ) without my informed and expressed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have shown the credit bureau documents of proof of these items that either are now closed out or paid in full that should not be on my credit report but they are failing to do there job properly. I also asked to get the information that they used phone numbers etc and I have not gotten any of that information still. It 's like they let the computer do the work and they do n't get anything done accurately. And the XXXX different collection agency did some illegal stuff with the dates and I advised them of this and they still did nothing. Representatives are rude and try to rush you off the phone barely willing to help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan is with Nelnet and XXXX owns the note. I make my payments to Nelnet. I have been paying the loans for over 20 years since graduating from college in XXXX. I did have a couple deferrals and struggled to make timely payments when our daughter was XXXX and the high medical expenses we incurred XXXX. Over the last 10 years have made consistent payments and nothing is going to principle but all interest. My original amount principle amount was {$39.00}, XXXX and my current balance is {$63000.00}. My current Nelnet statement shows : Total principle paid through XXXX/XXXX/XXXX ; {$26000.00}, total interest paid through XXXX/XXXX/XXXX ; {$25000.00}, Total amount paid through XXXX/XXXX/XXXX ; {$52000.00}. This does not add up and I continuously ask for assistance in researching my loan and why my statements continue to show " XXXX '' to principle and my entire payment of over {$600.00} goes to interest only. I am frustrated and want to make due on my student loans and feel I have with the amounts I have paid. I am being taking advantage by this unlawful practice. Can you please help me investigate so I can get some resolution on how this is possible or legal to do to any consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX XXXX, 2015 I mailed a dispute to Experian and approximately 27 days later I got a response stating : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. '' I was very disappointed and took to the internet to research this. It seems that Experian is doing this to everyone. However, on XXXX XXXX, I mailed a registered letter explaining that the letter was not fraud and to please process my claim. As of XXXX XXXX XXXX today ) I have not heard from them. Now Im wondering how do i remove errors froom my report as they are refusing to process my disputes?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been disputing incorrect information on my report. Equifax has only send me back a full credit without any response concerning my disputes. I have indicated specific items such as re-aged accounts, schedule payment amount for accounts that are sold or transfer and XXXX has fail to verify the accuracy of this accounts. As Im writing this complaint XXXX/XXXX/2015, this would be the 3th time that Im requesting Equifax to investigate and they have fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have requested to release my cosigner for the last three years to no avail, even though I have followed all of their requirements and met their terms including two years of on-time payment and credit score. When I was denied the first time, they told me I had all of the information and on-time payments, but did not have the credit score. When I asked what the credit score needed to be, I was told that she did n't know and could n't tell me. The second time I was denied, I was told that I had late payments, even though I did not. I was then told I did n't have the credit score, though my credit score had increased by XXXX points. The third time, the customer rep told me she did n't understand why I had been denied the XXXX previous times and I should have been approved, but she would get back to me. I never heard from her again. I am submitting another request on XXXX. I have also requested to have late payments removed from my credit report as I was not late on several months listed - XXXX and XXXX. I was supposed to have a forbearance that they made me take. Additionally, I asked for other options other than forbearance due to unemployment and was told I had no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Hello All, I recently learned of the negative impact hard inquiries had on credit score so I checked my credit and realize that there are several hard inquiries on my credit report that posted in XXXX2016. I called both Equifax ( spoke to XXXX emp # XXXX ) and XXXX ( spoke with XXXX XXXX but refuse to give me emp # ) to have inquiries removed for reason that I did not apply for credit with these companies but they will not take my word for it so now my only option is to come here and see what help I can get in resolving this issue. Thank you in advance for your time and consideration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: WELLS FARGO & COMPANY
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Wells Fargo Dealer Services is refusing to honor my SCRA Request to lower my APR of 11.49 % to 6 % while on XXXX. I have faxed my request, along with orders, to them XXXX times, as well as emailed them, and sent them via USPS Certified Mail with Return Receipt. Wells Fargo still says that they have not received anything from me and refuses to honor my SCRA Request. This is the XXXX year in a row that they have denied my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-01
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 My Certified Residential Housing Counselor and I place a call to Wells Fargo to apply for a VA modification due to my house is in foreclosure and have a sell date of XXXX XXXX, 2016. We was put on hold for around 25min, when we finally was able to reach an agent to assist us after the preliminary information was given we were disconnected, we again called again, waited about 12 min this time and once again when we was finally able to connect to an agent that was able to assist us and again after the preliminary information was given we was disconnected again. Therefore we called again for a third time and waited for about 12 min, was connected again and once again after introductions we were disconnected. It was a very frustrating experience, I do not want to lose my home, I have apply for a modification a few months ago but was denied due to my income, my income has now increase and I am an XXXX member of the XXXX. All I want is a fair chance to save my home

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 2017-02-13
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When my loans first went into repayment, I tried to refinance with Navient, but they would not help in anyway. My monthly payment was over {$1200.00} a month and they said if I could n't meet that, that the loan would just go into default. I struggled with monthly payments which affected my credit. 

Then, when I my interest rates started to go over 10 %, I pulled from savings and asked family to help pay off the loans because the interest was so high. One of the checks that a family member had gifted me, I sent to Navient with instructions on how to apply it to my students loans and they misplaced the check. They received the letter ( which was in the same envelope as the check ) but had no proof of the check. I then had to contact my now deceased grandmother 's bank to get proof of the check and show it to Navient. The bank luckily had a picture of it ( which they said they would only have if someone deposited the check, meaning Navient deposited it ) so uploaded it to my Navient account. 

Navient is still delaying processing the payment, saying " they need more time to research the payment '' and wont even give me a timeline for when they think it will be complete. This has been an ongoing issue for over two months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-30
Company: WELLS FARGO & COMPANY
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan with Wells Fargo that unfortunately became one of many bills that I was unable to keep up with due to a layoff experienced in late XXXX. I was laid off and unable to gain employment until late XXXX ( 11 months 300+ days ) and nearly lost my home, vehicle, and dignity, due to my inability of upholding my end of the bargain. Along with these issues and losing nearly $ XXXX per year in income, I also was unable to continue making student loan payments. As a result, my student loan charged off just weeks before obtaining a new job and receiving my first paycheck to avoid charge off. After re-establishing myself financially by saving my home through foreclosure prevention programs offered by the state, I 've been able to consistently make my payments as agreed. Wells Fargo has processed and performed a transaction on my account without any notice, knowledge, authorization or communication in the amount of {$2100.00}. This again was unauthorized. When I contacted Wells Fargo on XXXX at XXXX they advised me that they were unaware of unsure of why this occurred. I spoke to a supervisor by the name of XXXX said he would file a claim that could take up to XXXX business days and could not be reversed immediately because the Student Loan department was closed. I advised that I had made a recent transfer and that money that was deposited was to pay the mortgage of {$1700.00}. Wells Fargo has seen these recent payments from my account, because they are categorized utilizing THEIR VERY OWN Bill Pay Service, and they still would rather my family suffer the consequences of living on the street because they were unwilling and or unable to accept a student late payment to prevent a charge off. Not only was unemployment not a good enough reason to prevent charge-off and credit sufferings, they want me to lose my house as well. I thought I could trust Wells Fargo to allow me to regain my financial well being, not contribute to its demise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief