BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2007 I took out a private student loan with sallie Mae to attend school at XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX, NH. The student loan was switched to Navient shortly after I had left the school. Navient claims they paid the school over {$20000.00} in the XXXX and a half month period I attended the college. I began classes in XX/XX/2007 and left the school at the end of XX/XX/2007. After leaving the school, the school closed down for not meeting standards and repeatedly failing to maintain health regulations. Over the past almost 15 years I have struggled to pay my loan. Navient repeatedly recommended placing my loan into forbearance and income driven repayment as well as being placed on hold while I attended classes at another college. My loan currently is higher now than when I left XXXX XXXX. Navient has repeatedly raised my rate the increase the dollar amount of interest owed. At this time my loan does not appear to be going down with the payments I make. Myself as well as so many others have had nothing but issues and hardships due to this company while trying to repay a loan that will never go away without making huge unreasonable payments on it. My husbands sister had the same exact issue for years. I hope all of those individuals looking for a student loan stand clear of Navient as they are untrustworthy, manipulative, and condescending. They have only the companies wallet in mind and will not have one care if things become tight and its difficult to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan repayment with Navient started in XX/XX/XXXX. The loan amount taken out was {$3700.00}. I was submitting more than the monthly payment per month in the hopes of paying the loan off ( approximately {$120.00} ). Called the company several times to find out why my payments did n't seem to be decreasing my balance and was told that since I was in the beginning of stages of repayment, that majority of my payments were going to interest but that that was normal and would change after the first year. However, it is almost 10 years later and I am still making payments on the loan with the loan balance currently at {$2900.00} with the last scheduled payment according to Navient not being paid off until XX/XX/XXXX. This is insane as I paid double the amount of the balance due for the first several years and it seems that almost every payment made for the first several years was only paid toward interest. This seems criminal that it will take 15 years to pay off a loan that was taken out for less than {$4000.00} Navient does not seem to be able to provide me accurate justification for how my payments have been allocated properly. In addition, the school I attended ( XXXX XXXX ) has been shut down and I was unable to complete the program as it was required that I complete an XXXX as part of the program. The school assured me that I would be able to be accepted into an XXXX  program as well as find gainful employment in my field since I am a veteran who previously worked in the XXXX XXXX during my time in the military. However, I was not able to find any XXXX that I could be accepted in and as a result was unable to successfully complete the program or transfer to any other program since all of the school locations have been shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX & XXXX / & Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX has violated my rights . 

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 2018-02-15
Company: EOS Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against EOS CCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Nelnet, Inc.
State: MD
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:
Nelnet intial loan balance changed from time of loan after paying on time for XXXX years the loan amount is going up and not down. At onetime the loan was going down and then all of a sudden I check the balance it was XXXX more than the previous. I inquired about it to them and XXXX XXXX XXXX and no one seems to know why. The initial loan I took out was less than XXXX. I have paid over XXXX and owe almost XXXX. I need a mediation of the original loan documentation that Nelnet state that they can not provide. I have only taken a=out a student loan in the amount XXXX but owe more than XXXX based on what I am paying and on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I have been trying to figure out how to resolve a so called collection account with a balance of {$470.00} that appeared on my credit a few months ago with no solution. The company name is Radius Global Solutions LLC and when I call them they can not seem to ever find my file and I recently emailed them requesting proof of the debt and they sent me a letter in the mail now asking me for proof of the debt such as collection account number and original credit information to verify my debt so they can locate my file. I do not have that information as thats what I was requesting from them. I have disputed it through XXXX and they always say the debt is valid and will not remove it even though no one can verify the debt to 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 2021-07-02
Company: AMERICAN HONDA FINANCE CORP
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: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: EQUIFAX, INC.
State: OH
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:
Equifax had a breach. I have included credit report as well as XXXX and both are telling companies I opened cards when I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
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:
The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to Experian, XXXX XXXX and XXXX  the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.

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 2017-12-06
Company: CB1, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I 've never filed for Chapter XXXX Bankruptcy ; and this debt is not even mine ; This needs to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Servatus Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi, my name is XXXX XXXX and no one is pressuring me to write this complaint. I have been reading up on the law quite a bit and I have found that Credit Solutions Corporation is still reporting to XXXX this alleged debt. Commission. I have written via certified mail and submitted a complaint via CFPB. According to 15 U.S.Code 1692g ( a ) 15 USC 1692g ( a ) 15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. 

AFFIDAVIT Notice, it is a fact, on XXXX of 2021, and XX/XX/2021 I, the affiant, have sent a notice of dispute on the validity of this alleged debt to Credit Solutions Corpatrations During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. Affiant has proof in EXHIBIT A attached this debt collector not only did not remove the account, Credit Solutions Corporation did not report a notice of dispute. This is a direct violation of 15 U.S.Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-03
Company: Lending Club Corp
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Monthly payment was made XXXX-18 and then pay off made XXXX-18, on a recorded line the rep stated you have to call in pay off payments that are planned on being made. I asked her to direct me to where this clause was in the contract and she could not. Even though the balance shows as {$0.00} completed and I can't use my social security number in the automated system because it says I no longer have a loan, they took out another payment for XXXX on a {$0.00} balance. They plan to take out another payment in XXXX claiming the 2 payments are for interest. This totals over {$1300.00} in interest being charged in 28 days on a paid off account. After arguing back and forth that the contract had no call in clause and being placed on hold multiple times and transferred, they finally agreed to shut off the automatic payment. They reversed the XXXX payments but still want me to pay an additional {$1000.00} in interest fees and will be billing me for this because their screen shows different information than they show on my online account. Even though it is paid in full with a {$0.00} balance, completed, states they took {$0.00} out for XXXX but admitted on the recorded line they did in fact take the payment out, they are still requiring another payment in XXXX on a {$0.00} balance and loan that can't be accessed via my social security number because it is paid off. This is fraudulent business practices at best. Loan amount taken out was {$16000.00}, first payment due date was XX/XX/18 and amounts paid were {$610.00} on XX/XX/18 and an additional payment of {$16000.00} on XX/XX/18 for a total of {$16000.00} which is {$490.00} over the amount borrowed and paid off within 28 days of the monthly payment leaving a {$0.00} balance ( screenshots taken ) but they are now requiring I make additional payments of {$510.00} and {$350.00} " for interest '' which is an additional {$860.00} on top of the {$490.00} already paid for 28 days of the loan. This is a total of {$1300.00} " for interest '' for 28 days of the loan. Again the loan is paid off in full but they are requiring additional payments even after a {$0.00} balance. The second rep said they will update the system for my refusal to pay on a {$0.00} balance to reactivate the loan, which will accrue interest and payments again on a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Exeter Finance Corp.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 
1

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2020-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020, XXXX, Agent # XXXX, from Capital One Credit Card Fraud Department refused to contact XXXX XXXX to ensure my XX/XX/2020 payment of {$640.00} had successfully posted / processed on XX/XX/2020. Therefore, when I inquired about the refusal, she quoted company policy, and continued to imply Capital One no allowed representatives to verify payments from the originating Bank. 

Ironically, regarding this same topic, on XX/XX/2020, CFPB Compliant # XXXX, was submitted, a Capital One Manger performed due diligence by contacting XXXX XXXX, and verified successful processed / posted. Therefore, CFPB closed the compliant once Capital One submitted an untruthful response. Bottomline, I have submitted several payments, which has taken Capital Once days and sometimes weeks to post the current data, which has also resulted in false reporting on my credit report. Furthermore, I have requested for the representatives to contact XXXX XXXX and Department of Treasury, to confirm these payments were successfully collected, however placed on hold after successful processing / posting. As a project manager, I can recognize / determine when a company, such as Capital One, displays ethical or unethical habits by the way of their float, meaning money is processed. Therefore, Capital One has unethical practices. Therefore, I sincerely beg of you, CFPB to truly investigate Capital One Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TCF FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX TCF bank authorized XXXX XXXX to recieve a {$110.00}. payment from my checking account. I contacted the back the same day I explained to the bank that I did not authorize this transaction. I requested an investigation to be made into this purchase and I acclaimed that it was fraud. I also contacted XXXX XXXX and requested that my funds be returned to my account. For the next 4 months TCF bank harrassed me lied and continued to take money out of my account causing mental and financial distress. I have been a customer with this bank for over 12 years i have never overdrawn my account. i called this bank numerous times and spoke to numerous reps explaining that the refund had been issued i was even told that the situation was resolved. I went to a local store to purchase a cup of coffee my transaction was declined. I was so frustrated and embarrassed i couldnt understand what was going on. I then got a letter saying that after the investigation they resolved it was my fault and it was something i had to take up with the company. Now 4 months later XX/XX/XXXX the bank goes into my account when i had exactly the amount to cover my transactions the bank tries again to recover {$110.00} from my account again sending me into the negative and switching the dates on the statement to seem as if their transaction was before my transactions that i had funds for and charged me 3xs {$35.00} over draft fees TCF and started sending me letters for their money. How is it that a bank can look at an account and maliciously attempt to aggresively collect revenue from a false claim? The bank gave zero effort into the investigation they claimed that was done because i contacted the company and used it as an attempt to collect money from me a poor single mother of XXXX a loyal customer who actually had the funds to pay for my purchase.???

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company card w/XXXX XXXX XXXX BMO Harris ) - {$3300.00} Name of Company : XXXX This was a XXXX XXXX XXXX company card. I left this company XX/XX/2018. All expenses were submitted and approved for payment prior to my leaving XXXX. XXXX has not paid this expense. XXXX XXXX XXXX has repeatedly called and harassed me on a daily basis ( sometimes more than 3 times in 1 day ). I have on more than four occasions patiently explained how this was approved prior to my leaving XXXX and XXXX XXXX XXXX should reach out to XXXX. This has now become harassment. I have asked XXXX XXXX XXXX repeatedly to stop calling as I can not help any further. XXXX XXXX XXXX even suggested I pay them ( XXXX XXXX XXXX ) and go after XXXX legally. I should not have to do this. There was one day that XXXX XXXX XXXX called me 11 times! 
In addition, I was told by one of XXXX XXXX representatives that XXXX has a habit of not properly settling these types of accounts ( when an employee leaves the company ) in a timely fashion. All protocols was appropriately followed by myself with both entities.

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