BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
XXXX and Nelnet consistently refused and steered me away from Pay as You Earn and Revised Pay as you Earn programs and instead steered me toward multiple, consecutive forbearances from XX/XX/XXXX to XX/XX/XXXX. They sited error after error and continue to deny my application and forced me into forbearance repeatedly, adding a fee of {$1000.00} to my loan for each forbearance. In XXXX XXXX sold my loan to Nelnet who continues to deny my application and steer me towards yet another forbearance. My last application for REPAYE through Nelnet was in XX/XX/XXXX, they denied my last application because they said they did not like my pay stub because it does not show pay frequency and they said I also did not qualify because by paying early, I did not make 3 consecutive payments on time. They suggested another forbearance. 

I am trying to avoid foreclosure and bankruptcy and protect my family. I just want my REPAYE application approved so that I can start paying my student loan without losing our home and my sanity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Collection Service of Nevada is using the court system,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and local law enforcement  XXXX   XXXX   ( fi le  XXXX  ) to steal money from me. Please see attached documents -  (  paycheck stubs, etc. ) In  XXXX  Garnishment {$1500.00} -  Collection Service  reports only {$1100.00} received and is now  XXXX ,  XXXX  trying to garnish wages for same judgment in the amount of {$1600.00} - Please do something!

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 2017-05-04
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent letters to company requesting validation of the debt on the  XXXX  accounts that they claim I owe. DirecManagement a letter stating that they did not have no responsibility in responding to my letter. When I contacted them by phone the representative threaten me about my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: First Associates Loan Servicing LLC
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am currently paying to XXXX XXXX XXXX on behalf of the XXXX. I have received a validation notice and other related information to setup payments with XXXX. I have received all information from both XXXX and XXXX monthly. Along with a payment statement from XXXX parties for the last several months. 

However, now another Debt collector 'Peaks Loans ' has started harassing my family and place of employment. I 've tried to talk to these people, mainly XXXX XXXX, to no avail. She did not have a professional license number and refused to give said address. They are very aggressive and insist they own all my debt. I never received a validation notice from this company. They are, in fact, not aware of any notifications that they should of informed me of. All they cite is that my former college and I signed " documents '' agreeing that they are the sole heirs of my debt. This is beyond false statement and they refuse to remove all contact information and to stop calling. 

Again the person, is XXXX XXXX at XXXX XXXX XXXX XXXX Peaks Student Loans. 
c/o Peaks LoanXXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: EQUIFAX, INC.
State: GA
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:
This began in early  XXXX  when I tried to open an account on Social Security dot gov. After entering my name, address,  DOB  and SS #, I was taken to a screen to verify my identity. EACH question asked about something that did not apply to me -- i.e., to verify a past address where none were correct, to verify a car loan or lease when I have NEVER had a car loan ( with the next question asking how much my monthly payment w as ), to ve rify a mortgage with a company I 've never dealt with ( and a corresponding question about the monthly amount of loan ). When ALL questions were answered " None of the above, '' the system locked me out.  After two days of  trying to contact someone at SS, I was able to speak with someone who said their security screening comes from a " credit reporting bureau in  XXXX . '' They suggested I get a free credit report from all  XXXX  credit bureaus and I did. Both  XXXX  and  XXXX  were no problem -- their security questions were all accurate and I received my credit reports online with no problem. Equifax, however, asked ALL false questions. Each  one (   as above ) asked questions that did NOT pertain to me and it locked me out. Equifax is located in  XXXX . After days of trying to find a human to speak with, I was told that they could not " verify '' my identity ( all false questions agai n ) and s aid they would mail me a credit report. When I receive it, there was a false alias -- my correct name, but spelled wrong --  and two fal se addresses. They  did ( apparently )  successfully remove the wrong name, confirming over the phone that the person reported did NOT match my ss # o r DOB. After MULTIPLE  promises that they have deleted th he two false addresses, they are STILL showing up on my report. ( I have THREE disp utes now that each say they have removed these addresses! ) I STILL  get four f alse security questions every time I try to get an Equifax report and get locked out every time. I STILL CA N'T OPEN A SOCIAL SECURITY DO T GOV ACC OUNT because Equifax is feeding them the wrong background information about me! HELP!!! This has been going on for WELL over a month and the man I finally spoke with today (  XXXX   )  was extremely rude, saying that I was obviously told the addresses were removed in error and implied that the only reason they 'd still be on my account would be if a debtor had CONFIRMED that these addresses in fact belong to me! He said that he would have my complaint sent to the fraud department, where it can take up to a MONTH to get resolved!! I have spent HOURS and HOURS trying to work with Equifax on this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: FL
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:
I have student loans and they were defaulted because of a car wreck I was in. My family and I were hit by a drunk driver, resulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9  consecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  one  loan  that Navient has told  me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have filed a 609 with Transunion on  X/X/17   ,  X/XX/17   , and  X/XX/17   .  XXXX  on on  X/XX/17    and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17   . Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the 609 law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have student loans and they were defaulted because of a car wreck I was in. My family and I were  hit  b   y a drunk driver, r esulting in a death of a family member.     Upon getting my life back together, I completed the rehabilitation program and paid  9 c onsecutive payments on time for 9 months. As a result, these loans are suppose to be reported on my credit as back in good standing and remove the negative marks. There are  XXXX  loans that have yet to be cleared from my credit as promised.     There shows  XXXX  loan that  XXXX  has told me would be removed and it has yet to be removed I have called for months and never able to get answers or someone to help me. I will do whatever it takes to get this done. I have completed the program and this business did not do as they stated. it is a scam.     I will be consulting an attorney and reaching out to media outlets if this is not fixed..

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 2017-05-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I asked  XXXX  to verify the account and they still have not even aft er 4 ce rtified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car f or 2 week s after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX , Equifax and   XXXX   for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed my entire relationship because the IRS did not send over my tax information in a  timely manner.     I have had personal card for many years and never was late once. I have perfect credit and have never missed a payment or had any issues whatsoever. I decided to expand my relationship and use  American Express  for my business as well. I order a new card after receiving an offer from  Amex  and added  XXXX  users as card holders.     The first day the card was received, there was a hold placed on the entire account including my personal cards and  American Express  requested some information from the IRS.     Again, the cards had never been used.. I filled out the forms  Amex s ent with no issue. The  American Express r ep told me herself that she knew the IRS was behind on processing the information. A hard close date was set and I called the IRS myself and tried to rush them. After the information was n't sent by the date that was given,  American Expre ssed closed all of my accounts with no reason given whatsoever.     I had already closed my previous relationship that i used for my business and now with   American Express doing this it has effected my business is a large way.
I want my American Express Cards   back. I would think i am the ideal client. I have perfect credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: ACIMA CREDIT, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this XXXX concern, I have sent multiple certified letters to XXXX concerning a personal loan ( Acima ) on my credit report. I did not apply or authorize a personal loan from this company. Ive only had XXXX personal loan in my name ( XXXX XXXX XXXX ). I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also, giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair items on credit report, it has to be removed from consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: General Motors Financial Company, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello CFPB! Hope you guys are doing great! Please forward the following documents to GM Financial. Thank you and be safe!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
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: Investigation took more than 30 days

Complaint:
I asked  XXXX  to verify the account and they still have not even after 4 certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and Experian for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well

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 2021-12-21
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021, I, XXXX XXXX, a consumer and the original creditor, sent via certified mail, an affidavit of truth to Experian. In it, I outlined how they committed identity theft, among other things, causing XXXX XXXX and tarnishing my good name, with information of alleged debts that do not pertain to me. You can find the detailed information in the attached paperwork.

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 2017-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had my credit card with Bank of America for a very long time. I have never missed a payment. I was traveling overseas and a payment was processed and my bank was unable to get me on the phone so it was returned. I had no knowledge of this and Bank of America ran payment again and it was blocked because of an alert on my account.     After the second attempt, Bank of America just closed my account outright and reported me late on my credit.     I have never been late and have been an ideal client. They even closed my bank account and effected my banking relationship.       i had perfect credit and now this has been put on my credit.

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 2015-08-25
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Green Tree assumed my mortgage from XXXX in XXXX XXXX. When I refinanced my mortgage loan with XXXX, XXXX. in XXXX XXXX it included a " No Prepayment Penalty ''. When Green Tree assumed the loan they have now added that I have a " Prepayment Penalty ''. I have called Green Tree XXXX times to resolve this issue. My most recent call was today XXXX XXXX/XXXX/XXXX XXXX. The Green Tree service representative stated that they sent me documents on XXXX/XXXX/XXXX and if I wanted to dispute this issue I am to refer to those documents. I told the representative that it has been twelve days and I have not received anything. I would like this issue to be investigated. I have my copy of the XXXX refinance with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Here gors the story again, I paid ocwen XXXX off my principal in about XX/XX/XXXX, They post it minus the XXXX to principal witch is my payment, I also was told by some tech to apply an extra XXXX to principal, next day it shows up in escrow, then at that time all my payments are made to principal.They get them self off the hook and reverse everything to P & I but still apply everything to principal and as you know that can put me into a fore closure situation, than i must off gotten them reL XXXX, i GOT out of escrow.Paid by XXXX XXXX IN THREE DAYS & lt ; XXXX and change.Now they are still applying everthing I pay to principal only, I has to get to an ombusmen to get that changed after, this five months of reversal ofl hell.I have XXXX doc on these people, saving you the time.next great one, they add XXXX to escrow, tech says it has something to do with tax, well i have no escrow i guess cause I complain ed conviently they change that to a renibursement which was done well over a week ago and i have not seen my money.They have not reported me to the credit agencies right, they say my due date is the XX/XX/XXXX/my due date is XX/XX/XXXX/th ey had one of thier techslie and say we report that on your grace day, well that is XX/XX/XXXX.my due as it stand s is XXXX/XXXX/2015 unless they change it ( IT says XXXX XXXX ) .here is a list off thier instutial owners, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, very powerful ones, that pull Ocwen 's string as Ocwen pulls mine , I wish you to report this all over the internet and to all that can help, the third party servicing is fine but since they allow, they are all part of this, i can care less what they do to me, maybe instead off these litigation, we can go civil.i do not know if this works, but they are killing peo ple all over the place, i just need someone with the courage to put them in thier place, by the way they con tinue to buy time for they send me a letter and tell me it will be XX/XX/2015.You see what i mean.Remember, i have saved app XXXX SAVE MAILED DOCS FROM THEM, I CAN FAX THEM ALL TO YOU, BUT I AM SURE YOU HAVE LOTS MORE TO DO, TOO BAD A ROTTEN APPLE HAS TO STINK UP THE, REST, SINCERLY, XXXX XXXX, Ps i have proof they post date, they di not even inform me my escrow was to go from XXXX to XXXX, they have broken all the laws!!!!!!!!!! oh afte the ca oversite commitee had them reverse all those payment up to XX/XX/XXXX, they continued to do principal only!!!!!!!!!!!!!!!!, like I said i can fax it all to you!

Company response to consumer: Closed with explanation