BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-09
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian has a Medical collections recorded on my credit report for my step son. that was paid in full over 2 years ago that they will not remove. 

I understood medical collections was not to remain on credit report. They have refused to remove it, which others have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX has a satisfied collection on my report from XXXX .I contacted XXXX they have no record of bills or contract.please have this removed immediately thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: CO
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:
This is to follow up on Case number : XXXX. Since filing this complaint there has been no resolution. The treatment I have received from Navient is retaliatory. My original charges were based on predatory lending. I was forced into a payment plan that doubles my interest by capitalizing unpaid interest on my loan periodically and they failed to explain these terms clearly. I still have not been informed which payment plans do not have this hardship clause hidden within the terms. Now, my balance is completely out of control. 

The retaliation piece is that it took over 2 months after a request Navient Consumer Advocate XXXX manager to contact me to explain these plans, despite the fact that I insisted multiple times around XXXX that one contact me. ( Horrible, horrible customer service. ) After another month of phone tag I finally spoke with XXXX. I still am not aware how to avoid paying double interest, and the details of the different plans. In any case, the cost of living is out of control and the best payment plan he offered is impossible. I told him what I could afford and he was unwilling to work with me. 

I also asked for a statement from Navient CEO XXXX regarding how secret double interest payment plans falls in line with his mission statement that involves helping students reach financial success. Needless to say I have not heard from him. 

Furthermore they are extending the process and willfully inflicting mental distress by making me resubmit information I have already given them to allow me to go into this new payment plan, which I can not afford. 

Is the goal of Navient to force people to default on their student loans by being predatory a lender and servicer? This is literally threatening my financial life and it can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Navient Solutions, LLC.
State: NY
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:
When I contact Navient to attempt to lower my monthly payments based on my income, I am told that my necessary expenses such as rent and utilities are not considered in their calculation. I do n't know if this is common practice with all student loan lenders first with XXXX XXXX and now Navient I 'm being told I having a roof over my head and gas to cook with are luxuries. I 'd like to see this policy/practice changed with all lenders. 
Additionally, when attempting to collect past due payments companies should only be allowed to place one phone call per day. XXXX XXXX made a habit of calling a minimum of five ( 5 ) time per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
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:
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 agent 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 any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was sued by XXXX XXXX XXXX for an invalid debt XX/XX/XXXX. Court log states that I was allegedly served on XX/XX/XXXX at XXXX. I was never served for this case. In fact at that time on that day in XXXX I was at XXXX University conducting my XXXX from XXXX to XXXX. I then would have gone to babysit my friends kids so she could go to work and not return home till the next day. It is impossible for them to have served one of my neighbors in a case of mistaken identity because I am a XXXX female and at the time was XXXX, my neighbors were a XXXX male XXXX, an XXXX couple XXXX, and an XXXX couple. I feel any descriptive information that could have been provided regarding service was from their serving me for another case XX/XX/XXXX. In addition to having not been served, the debt purchased by Portfolio Recovery was Invalid at the time it was sent to collections as it violated a contractual agreement between myself and Bank of America regarding a 6 month account " freeze '' to protect my account while I was in Massachusetts attending college and unemployed because my son was diagnosed with XXXX. A huge portion of this debt was encurred as a result of late fees garnered during this period while I was under the impression that my account was frozen. The late fees were then combined with over the limit fees. Additional fees were then added on when the debts were sold from agency to angency all of which sent the XXXX ( XXXX? ) dollar original credit limit to XXXX! I was never able to rectify this discrepancy because when I came back from Massachusetts to find my accounts had gone into default and were sent to collections agencies the account had been sold and resold so much i was unable to identify the agency that had it till I was contacted by XXXX XXXX XXXX prior to their threats to sue. This is reflective of XXXX XXXX XXXX pattern of purchasing debts which they knew were invalid and unenforceable and intimidating consumers with the intent to garner default judgement. XXXX XXXX associates never provided me any information verifying the debt when I previously requested it during a phone call. I was told by an agent that I had to prove it was invalid and when I asked for the account information I was told they did not have the account information from bank of america that would show the arrangements for the freeze.

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 2015-09-12
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Navient hired XXXX XXXX XXXX XXXX to Collect on a private student loan. XXXX XXXX XXXX XXXX has repeatedly used deceitful collection practices to try and collect on the debt. I called XXXX XXXX XXXX Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. Navient has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America ( BofA ) has represented to me a payment was received from the State of California on XX/XX/2013 applied to the XX/XX/2013 installment. However, BofA has also represented no payment received for XX/XX/XXXX and XX/XX/2013 installments and late fees assessed for these months. This information is conflicting as both can not be true. Thus, a material misrepresentation has been made and gone uncorrected on a mortgage or Deed of Trust. 

XXXX ) California Mortgage Forgiveness Debt Relief Act. 

XXXX ) Mortgage Debt Relief Act.

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 2016-02-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Obtained my degree, and have had difficulty finding a job since. Companies do not want to hire someone out of college with a degree. They seem to want to hire those with more experience. As a result, I have had difficulty paying my loans when I only make XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I have a conventional XXXX mortgage at 5 % 30 yr fixed at XXXX XXXX that is a non-XXXX/non-XXXX loan. I have a XXXX mtg. with Ocwen loans at 12.7 % with a 30 yr amortization. The total balance of both loans is {$210000.00} and the home is worth approx. {$160000.00}. I have had both of these loans since XX/XX/XXXX and have not been able to refinance. I want to keep my house. 
I contacted both lenders and neither can refinance. XXXX XXXX told me point blank there is nothing they can do with a refinance because I am still underwater, and the same was stated to me by Ocwen. A mortgage broker by the name of XXXX XXXX was on the phone with me when Ocwen told me there was nothing they could do. Ocwen called me back and suggested that I call XXXX to reduce their rate to make up for the 12.7 % Ocwen rate! Ocwen was very firm that " because I was on time, there is nothing we can do for you. '' On a previous call with XXXX, I was also told I was not on a list to be helped because I was making the payment on time. I have been paying on time since XX/XX/XXXX and there is no fix for me. Ocwen strongly implied that I can not get help unless I am late. However, if I go delinquent to get help, credit I have built over a lifetime will suffer as well as any chance for any help that might be available in the future. I am not alone with this problem. Why ca n't lenders refinance on time paying homeowners who stay put in an underwater home to lower rates? I am doing the right thing and making my payments and there is absolutely no refinance option for me simply because I am underwater and do n't have a XXXX or XXXX XXXX loan. I watched closely XX/XX/XXXX when President Obama brought up a refinance option for those of us with non-XXXX/non-XXXX loans. I am in the lost category and am treading to stay put. Is there any refinance option like HARP 2 for conventional mortgages?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do XXXX nXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( 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 non-monetary relief
Consumer complaint received 2016-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion reports the wrong SS # on the credit report and it is keeping me from getting a mortgage as well as hurting 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
At XXXX on XX/XX/2022 I called Sallie Mae in an attempt to lower my monthly payments or put my account into deferment. I was transferred to someone in a special department who enrolled me into a rate reduction program. I was told my original payment of {$450.00} would be reduced to {$210.00} for two years. I gave my first payment for XX/XX/2022 over the phone and enrolled in automatic payments for that amount. It was taken out of my account that same day. I was even read an agreement and agreed to terms on the phone and agreed to {$210.00} to be automatically taken out of my account monthly. I was on the phone for a total of XXXX minutes with Sallie Mae representatives on that day. 

On XX/XX/2022 I received an email that I was behind on my payment. I thought it was for sure a mistake. I got on the Sallie Mae chat in the app and told the agent it must have been a mistake and explained the above. The agent however stated that there was nothing on my file regarding a reduced payment program and that my payments would still be {$450.00} a month. 

I am a XXXX XXXX XXXX  student starting clinical rotations with random hours throughout the day. I can not get a job due to being a XXXX XXXX XXXX student and can not afford the whole payment. I was so relieved when the agent enrolled me in the reduction payment program and this has caused me significant XXXX  agony and XXXX as I'm trying to study for my board exams coming up. I hope there is a recording from Sallie Mae to prove that I was told that I was enrolled in the rate reduction program for 2 years.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
So I recently find out that all XXXX credit bureaus mixed my credit history with my XXXX brother 's credit history into XXXX single report. I already contacted all XXXX bureaus with this dispute. Unfortunately, XXXX is the only credit bureau that handle this dispute as a professional company. XXXX is able to fix this dispute within XXXX hours and I received the corrected report already. However, XXXX and TransUnion are the worst agencies I have never encounter. When I contacted their representatives, they all refuse to apology for the error. XXXX admitted their error on their end ( because all my information was reported under my SSN they simply just put all my info under my brother 's name. I saw a report with XXXX name and XXXX SSN which is pretty funny but XXXX was able to separate and fix the mixing error ). Those XXXX companies keep claiming that it is my creditor 's fault for not reporting the information with all detail ( as they claim they never receive my SSN so all my information were filed under my brother 's name and SSN which means I do n't exist in this country ). This get me very frustrated, as XXXX actually receive all my information under my SSN how does the other XXXX agencies not received the same information from my creditors? Clearly, those XXXX agencies ' employees were sleeping when collecting my information from my creditor and failed to notice my SSN number on the reported credit info. Second, the representatives ask me to mail in a copy of my SSN to prove my identity so they can handle the dispute " properly ''. I comply to the request yet its been freaking XXXX weeks and I have n't ' heard back from them regarding the status of the dispute. I try to pull my credit report from TransUnion and it is still stating no information under my SSN is available. ( As they still have n't separated my credit history under my brother 's SSN ) I demand an immediate response from both XXXX and TransUnion response. Especially TransUnion, the phone representative made a verbal agreement that the supervisor will contacted me within XXXX hours after my phone call but I never received any phone call from the so called " supervisor ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
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 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX. 
CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.

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 2020-04-18
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This lender is usuriously charging interest on this loan, after paying 3x min payment for a year my balance has only gone up. When I signed a contract with them they obligated it would be 18 months no interest. Upon checking records I am paying 40 % interest for every 100 % payment made, meaning the APR is very illegal in the state of California and what this company is doing violates multiple lending laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had an account with XXXX in XX/XX/XXXX, I closed the account but was late with the final payment. However did pay the full amount XX/XX/XXXX. For some reason they are showing the account late 90-120 days in XXXX and XXXX of this year XX/XX/XXXX. I have disputed it, XXXX said that they confirmed with them the account was closed XX/XX/XXXX and paid in full but they will not fix it. I have called several times over the past few months and been very patient waiting but today after 30 minutes on hold and discussing it with a woman identifying herself as XXXX and a Supervisor in Pennsylvania she would not fix it. I asked to do a XXXX way call with XXXX and she refused. It is an obvious mistake but all she said she would do is dispute it again which I have done 2 times. When I asked for her supervisor she hung up on me. 
It is only Trans-Union that is reporting this incorrectly. I have spent several hours over several months trying to rectify it. XXXX said there is nothing else they can do to correct it as they have sent the correct information. 
In my previous calls I would have to speak with multiple people from XXXX and give them my personal information over and over which made me uncomfortable. No one I spoke with would give me any kind of employee number and everyone would tell me something different. 
Please help me. I has dropped my credit score XXXX points

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is an address, XXXX XXXX XXXX, XXXX XXXX, CA, that appears on my credit report. I have never lived at this address. When you XXXX this address, it is associated with a mail drop box/business. I was a victim of credit fraud and have contacted Experian over XXXX times to tell them this address does not belong to me. I have written letters, I have provided them with a police report, I have even asked them to XXXX the address. I have spoken to the fraud department, special services, and a supervisor. At this point, Experian is blatantly ignoring me and asking me to provide the same information repetitively. Please delete this address.

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 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
there is a bankruptcy showing on my credit report that should not be there. it was never done, the lawyer which filed it refuses to remove it. I learned about this when I was attempting to get a loan on for a car. it shows a bankruptcy was filed, but it never was, it never went to court and had never began or completed in any way and I need it removed. the lawyer that had filed it will not take any action, when i contacted them all they would do is send me a copy of the initial paperwork and the document stating it was not done. I have copies on my phone but am not able to transfer them onto here to submit.

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