BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-29
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Originally I went to XXXX to pursue XXXX degree XXXX. Before I completed the degree I was accepted to Indiana University XXXX. Because it was another XXXX program and XXXX degree I was forced to take out student loans. It has been so long ago I do n't remember exactly why I was not able to utilize only federally backed loans. I ended up with several private loans over the coarse of the program. Since that time I have returned using work tuition reimbursement plan and obtained and XXXX XXXX XXXX ) but I still can not get on top of these private loans. The interest keeps adding up. Late payments, late charges, interest etc, I fear I will never see the end. I will be paying on these loans longer than my mortgage. 
Now I have experienced several financial changes over the last years or so, that were not for the better. My significant other experienced a drastic change in his employment after almost 25 years. My elderly mother has moved in with me due to her own financial issues and is now dependent on my income. My car that I maintained for several years finally bit the dust and had to be replaced. The list goes on and on. 
Needless to say I am now being threatened with defaulting on the loans being serviced by Navient. Threatening phone calls at all hours including calls to my mother on her private line. I am at my wits end and in desperate need of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I filed a previous complaint after an unpleasant interaction with Transunion on XX/XX/XXXX. As a result of contacting them to have them remove inquiries not mine I also filed a XXXX complaint. The angrier I got about the lack of professionalism and service the more I started looking at laws for consumers. The last rep I spoke to mentioned an FTC report so I looked into it. Everything about it from the site seemed like what I needed to send over with the police report from having my info stolen. On XX/XX/XXXX I OVERNIGHTED a letter, ftc report, and original police report to Transunion and have confirmation they received it on XX/XX/XXXX. Today I check my email with the same nonsense they were regurgitating over the phone about me contacting the creditors. I AM CONTACTING THE COMPANY THAT HAS THESE THINGS LISTED! I also read around after hours on a XXXX XXXX that under the fair credit, if a person tells the bureaus that things on the report are a result of identity theft they have to remove it in 4 business days. Today is the 4th business day. So my understanding would be that if these things aren't gone by today Transunion is breaking laws and I have reason to sue them. I am tired of this back and forth I do not have the time to spend hours a day getting a company to do their job. I work in insurance and am way too familiar with the games big corporations play and not afraid to defend my rights.

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 2017-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
spent most of last year building my credit in preparation for a home purchase. In XXXX or XXXX, I called XXXX to find out why they had not mailed my score to me yet. They told me my score on the phone, reported it as XXXX ( I later received written notice that the score was XXXX ). I called the bank and told the mortgage counselor my score and they advised me to have my credit run for a mortgage loan because if that was my score, I was ready to apply. I had been in touch with this bank periodically while my score was increasing each month. The bank ran my score and told me it was a XXXX. I asked them to remove the inquiry because I relied on false information given to me by XXXX. The bank refused. XXXX refused to help me in that request.

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 2017-03-15
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
MY DAUGHTER CONSOLIDATED HER STUDENT LOANS WITH XXXX AND THEN THE LOAN WAS GIVEN TO NAVIENT WE ARE HARRASED 24/7 BY THIS COMPANY MY DAUGHTER PAY EVERY MONTH SHE HAS PAID BACK XXXX DOLLARS ALREADY AND NOTHING HAS BEEN APPLIED TO PRINCIPLE IN FACT ANOTHER XXXX IN INTEREST HAD BEEN ADDED ON TO THE LOAN. MY DAUGHTER HAS BEEN ON AN INC9OME SENSITIVE PAYBACK PAYING APP 500 PER MONTH IN PMTS. AS OF XXXX XXXX, 2016 THEY SAID YOU MUST PAY XXXX PER MONTH MY DAUGHTER SAID XXXX I CAN NOT PAY THAT IM ON XXXX THEY SAID WELL THEN YOU CAN GO ON FOREBEARANCE. MY DAUGHTER NOT REALLY KNOWING ANYTHING TOOK THE FOREBEARANCE UNTIL XXXX SINCE XXXX HER AND I HAVE BEEN GETTING NONSTOP CALLS 24/7 FROM COLLECTORS FROM NAVIENT WHO CURSE US OUT CALL EVERY NUMBE THEY HAVE ON FILE WITHING 3-5 MINUTES OF THE OTHER CALL CHARGING LATE CHARGES AND AT ONE POINT I SPOKE WITH A SUPERVISOR WHO ASKED MY INCOME AND HOW MUCH MY BILLS WERE A MONTH AND SAID TO ME OH YOU CAN CUT DOWN ON YOUR FOOD BILL BY XXXX PER MONTH AND PAY YOUR DAUGHTERS LOAN AT THAT POINT I SAID THIS CALL IS NOW ENDING. I HAVE WRITTEN TO THE ADVOCATE AT NAVIENT NO RESPONSE. MY DAUGHTER STARTED WITH XXXX IN CONSLIDATED LOANS AND IS NOW UP TO XXXX AFTER PAYING XXXX IN PAYBACK. I AM DISGUSTED BY THIS TYPE OF TREATMENT. I WANT THE ACCOUNTS TO HAVE AN AUDIT BECASUE MY DAUGHTER DOES NOT OWE THAT AMOUNT OF MONEY AND IT LOOKS LIKE A DISBUSREMENT OF ALMOST XXXX GOT HANDED TO THE SCHOOL 6 MONTHS BEFORE SHE GRADUATED. WHICH I HAVE A FEELING IS A FRAUDULENT DISBURSEMENT. I NEED SOMEONE TO ADDRESS THIS ISSUE BECAUSE WE CAN NOT TAKE IT ANYMORE IT IS TAKING A TOLL ON MYSELF AND MY DAUGHTER RUINING OUR CREDIT RATING IF MY DAUGHTER DIDNT PAY HER LOANS TO BEGIN WITH I CAN UNDERSTAND BUT SHE PAYS MONTHLY. THANK YOU WE ARE AT OUR WITS END XXXX XXXX FOR XXXX FORMERLY XXXX XXXX, NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently submitted a complaint to have this old account from 2012 that I never gave permission to be furnished on my credit report deleted. For one the account is over XXXX XXXX XXXX and should been deleted years ago and for two I never gave any permission for this to be furnished on my report at all. Instead of deleting the account the company decided to raise my balance by {$1500.00}. I am submitting another complaint because this creditor has violated myself and my rights. The account was supposed to be removed or deleted but they just decided to violate me some more and raise the balance. I want this account deleted asap. Its original date was in 2012. 

In accordance with the Fair Credit Reporting act XXXX Account # 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 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 2022-07-23
Company: Spring Oaks Capital, LLC
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. 
I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. XXXX XXXX XXXX AND SPRING OAKS CAPITAL YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. 
ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have had an ongoing issue with Equifax that involves my identity being stolen. I submitted the requested documents but they don't do anything to resolve my issue. There is an inquiry from XXXX XXXX that does not belong to me & I did not do. I have begged and sent appropriate documentation to have this deleted yet it still remains on my report. I am asking again please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-04-19
Company: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I have XXXX credit cards with Bank of America, and have a GOOD history of making my payments on time. This month, however, someone was late sending me a check, and the cards were A FEW DAYS past due. On Sunday, XX/XX/2017, I was away from home and stopped to buy gas. My credit card would n't work. Luckily it took my debit card. This was on a Sunday afternoon. I called my bank as soon as this happened, and was told that because I was A FEW DAYS LATE, they had turned off my credit cards WITHOUT WARNING. 

What would have happened if I had n't had my debit card with me? I was a good XXXX miles away from home. I WOULD HAVE BEEN LEFT STRANDED, WITH NO WAY TO GET HOME. I WOULD HAVE HAD TO CAMP OUT IN MY CAR ALONG THE SIDE OF THE HIGHWAY AND BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. I 'M XXXX YEARS OLD AND XXXX. I COULD N'T HAVE DEFENDED MYSELF IF SOMEONE HAD BROKEN INTO MY CAR WHILE I WAS IN IT. I COULD HAVE BEEN XXXX OR XXXX. 

If i had been 30 past due I would have understood this, but it was LESS THAN ONE WEEK. What if I 'd mailed a check but it had n't cleared yet? I would have STILL BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. 

Why did n't Bank of America NOTIFY ME THAT THEY WERE DOING THIS? I had NO WARNING WHATSOEVER. 

I got my check, the credit card payments have been made, but I have changed banks. I HAVE ZERO TOLERANCE FOR ANY BANK THAT WILL WILLFULLY ENDANGER THE HEALTH, SAFETY AND WELL BEING OF THEIR CUSTOMERS.

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 monetary relief
Consumer complaint received 2015-07-06
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
IM, FIXING MY CREDIT, FROM XX/XX/2015, BY MY SELF, WHERE ONLY UNTIL THAT DAY HAD XXXX ACCOUNT IN COLLECTION WHICH PAY THE DAY IN XXXX XXXX THEM RETURN TO CHECK MY CREDIT IN THE MONTH OF XXXX, AND FIND AN ACCOUNT IS OLD READY REMOVED FROM MY CREDIT BECAUSE THIS ACCOUNT IT MORE THAN XXXX YEARS OF THE COLLECTION XXXX XXXX XXXX, OF THIS AMOUNT IS $ XXXX.IS PUT AGAIN IN MY CREDIT AS IS WERE NEW WITH OTHER AGENCY CALLED JEFFERSO CAPITAL I WOULD LIKE TO KNOW IS LEGAL OR NO. I WANT TO RESOLVE THIS PROBLEM AT SOON IS POSSIBLE THANK YOU I HOPE SOMEONE CAN HELP ME. THANK YOU AGAIN..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act Experian continues to violate 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. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] I have filed multiple disputes about the following hard inquiries done on my credit report : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also contacted the above companies and they told me to contact Experian yet Experian refuses to comply with the above removals . 

This information is erroneous and against the law. I demand it please be removed immediately.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: NY
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 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 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 2015-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BANK OF AMERICA CLAIMS TO BE THE OWNER OF MY MORTGAGE AND SO DOES XXXX XXXX XXXX, BOTH OF THESE ARE LISTED ON MY CREDIT REPORT AS OWNING THE EXACT SAME DEBT, MY HOME IS IN FORECLOSURE FOR NEARLY 4 YEARS NOW AND SET TO BE SOLD ON XXXX/XXXX/15 WITH NEITHER OF THESE ARE THE CREDITOR!!! BOA IS THE PLAINTIFF AND IS UNDER REVIEW WITH XXXX OFFICE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
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:
I cosigned a XXXX XXXX signature student loan for $ XXXX.loan for my daughter on XXXX/XXXX/2009. After numerous calls at least 10 to 20 per day, and reporting to my credit bureau because she could n't pay it. I called Navient and asked the representative If it was possible to negotiate a settlement. That I was XXXX on a XXXX.That I have paid at least over {$2000.00} on it. I offered {$3500.00}. after they cashed my check, They denied it, and now they are saying the rest still have to be paid by my daughter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-27
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my mortgage with a personal check to OCWEN on XXXX/XXXX/2016 for my mortgage. It took them 12 days to cash the check. The check was cashed on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a statement stating that I am past due. I am not past due. I called them today XXXX/XXXX/2016 and spoke to XXXX, relationship manager, and she confirmed I am not past due and she has NO IDEA why they sent me this notice dated 5 days after my payment stating I am past due. I would like to have a corrected mortgage statement. Someone is making errors at the bank on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our Original Mortgage was purchased with XXXX XXXX Bank XXXX Georgia and later was sold to a third party mortgage management company by the name of Ocwen Loan Servicing , LLC . Ocwen collects our property taxes on our monthly dues and place them on a escrow account. At the end of the tax year, they are supposed to used that money from this escrow account to paid our property taxes. Ocwen has failed to paid our property taxes on time and we are receiving delinquent tax notice from the Tax Commissioner Office. We are also been fine by the tax commissioner office for not making the payment on time. Trying to resolve this matter with Ocwen leads to a costumer service call center phone line in the country of XXXX, were they reading a script from a computer screen, and blame the costumer for the problem. Ocwen official written letters confirmed that they are ; collecting the money in a escrow account, that they are legally bind to paid our taxes from the escrow account, that they are fully aware of the property taxes payment due date, as well as to who and where the payment should be addressed to. Ocwen tarnishing our credit score and records by paying our property taxes on time as specified in our original mortgage contract with XXXX XXXX Bank XXXX Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: AXOS FINANCIAL, INC.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked Axos Bank to close my checking account since I have no use to it. They told me that it would be closed in a few days. However, Axos Bank has not closed my account

Company response to consumer: Closed with explanation