BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Nelnet, Inc.
State: PR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Regards, I refer to claim XXXX, which was closed by providing a generic response that was never notified on the portal or sent by mail. Right now the COVID emergency was extended until XX/XX/2022 without charging interest and without payments. I have loans with several companies and Nelnet is the only one that is billing me interest as of XX/XX/2022. XXXX account says {$96.00} I share the images extracted from the Nel net portal. I await an answer according to my complaint, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Experian Information Solutions Inc.
State: TX
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 reached out to Experian well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

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 2018-06-29
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have paid Navient since they were Sallie Mae and it seems like my balance has gotten higher. Im a single mom with two kids and a widow. I just dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was notified by Suntrust ( Truist ) on XX/XX/XXXX that there was unauthorized access to my account. Fraudulent checks and withdrawals were used to take money out of my checking account. The bank stated they were investigating ( XXXX number XXXX XXXX ) however they refuse to return phone calls or provide a status of when they will be returning my money. I have called every XXXX weeks since XXXX with their response being " Call back in XXXX weeks '' I am on a fixed income and I believe they are trying to steal my retirement money. The bank has cameras all around and should be able to easily identify and arrest who committed this crime. These withdrawals happened in a different state from where I live.

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 2022-03-10
Company: Pacific Retrieval LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Phone call received by company identified as Pacific Retrieval LLC, told me I owed them {XXXX for towing/tow yard charges on a XXXX XXXXr with me listed as the owner. I have never owned a XXXX XXXX, the vehicle was registered by the dmv under my ex-husband with XXXX  XXXX XXXX as the lienholder. The man said that my ex signed a release of liability on the vehicle which by law can not be done since the vehicle was legally owned by XXXX  XXXX XXXX. He said he would take this to court and my credit would sustain significant damage if I didn't pay him the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is with NewRez C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX on my account no. XXXX, their case # XXXX. My name is XXXX XXXX. I sold my home on XX/XX/XXXX XXXX the mortgage is paid in full ) and at closing I had to pay Real Estate Taxes in the amount of {$3900.00}. NewRez had also paid the same amount to XXXX XXXX in XXXX NC, and as such, the payment was duplicated. I had contacted the XXXX XXXX XXXX XXXX and they had informed me that they had returned {$3900.00} in XXXX of XXXX to New Rez. Therefore, NewRez owes me {$3900.00} as a refund of my duplicate escrow tax payment. I had initiated the inquiry to NewRez on XX/XX/XXXX and the matter never got resolved. I then wrote a letter to their CEO, Mr. XXXX XXXX on XX/XX/XXXX complaining about the lack of response on my refund. They send me a letter on XX/XX/XXXX acknowledging that I was due my refund but to date my refund has not been received.I am tired of waiting on them for my refund. To me this should have been resolved a long time ago. Why should I have to wait 6 months for this to be resolved?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MI
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 want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
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:
Bank of America staggered years posting Delinquent Line of Credit on Mortgage to add additional years from the 7 to 9 years with one credit Bureau ( XXXX ). Since none of the Credit Bureaus coordinate with each other, no one can assist in the difference in years filed for the same account. BoA listed with XXXX that a payment was made in XXXX... which I never made. On their Report Legend it is justified with " Ok ok ok etc ) for that year. How did it get to be ok .... ( Fraud payments posted )? No payment made. 

I received all three Credit Reports from XXXX, XXXX and XXXX : The account numbers were changed for different accounts BoA was filed with XXXX XXXX Same account. When XXXX submitted my dispute... it was changed and closed. 
BoA was filed with XXXX XXXX same account. Changed and Closed BoA was filed with XXXX ( XXXX ) with bogus payment made in XXXX to extend the years from ( 7 to 9 ) to a closure date of XX/XX/XXXX. I MADE NO PAYMENT IN ( XXXX ) to this account. This justifies their beautiful, itemized statement. 

In their payment legend with OK OK OK reset the account., extend delinquency and post with a Credit Union . 

Also different account numbers used with the Credit Bureau... With no check and balances with each Credit Bureau, Can they post a bogus payment and post with different account numbers, extend years, and file with a different Credit Bureau? 

My original account number is XXXX, and this number is not used, but different numbers with different accounts. 

I know accounts may be posted with different Bureaus within 30 days or so, but not 2 years, same account, to keep a negative credit rating after the 7 year allowance on this type of delinquent account. 

Since I posted a Dispute, the information now reads " Foreclosure Initiated ''. 

Please help ... .Thanks.

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 2022-09-07
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money ... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact XXXX of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it ... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about XXXX now ... every time I call them ..the call is always recounted to another country ..no one can answer my question and they keep hanging up on me cause no one can help

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 2017-06-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
HELLO! I 'm disputing with Bank of america. When In XXXX in XXXX on XXXX i tried to put petrol at XXXXXXXX XXXX XXXX Every XXXX has their own employees for putting some petrol and customer 's card processing purpose. At the time they took my credit card and inserted to their card processing device. But it was declined 5 times incluing my brothers credit card 3 times and mine 2 times. So finally ended up using my brothers debit card. After travel, i found out they charged me {$77.00} US dollar even though it was declined 5 times. I could n't use my credit card at all. I think this is definitely double charged and i have no reason to pay again. also i do n't get what based on they charged me XXXX I thought everything is going well because i have declined slips. But the problem has been started from here. My bank credit card claims department keep saying that i have to pay {$77.00} Because there was no credit card numbers, the amount to be credited and merchant name on the declined slips The credit card dept keep insisting that these are not vaild credit card slips. If these are not proper card slip, who gave me the credit card slips? I did n't get any valid slips from XXXX company. this is not my mistakes Do you know what even worse things? At the time putting the petrol, i did n't sign on the recepit at all but the petrol stn and bank of america  keep saying that i signed so i asked BOA to send me copy of my signature and they said already mailed me it was more than month ago and i called a few times the bank sent the mail for sure Everytime i called they said just wait but i think they are lying I have been spending huge amount of time to solve this problems and too much stress since XXXX I guess no one fight for this long. most of them would give up. But the credit card dept never change their stands. finally i have no choice but reach the XXXX head quarter to solve this terrible problem and i 'm still waiting So my suggestion is asking the Bank of america whether they sent mail or not I have no idea even they have my signature as proof of purchase If it turns out that the bank is lying there will be a huge problem of trust. I would really apprecite your response and contact me please

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 2017-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
I sent letters to Transunion and XXXX on XXXX/XXXX/2017 with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. XXXX is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )

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 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I would just like the bank to keep you guys updated on my bank statement

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 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX mark and can not verify these accounts, under 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-06-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been XXXX for 21 years. I began my student loans with {$25000.00} and currently owe {$38000.00}. In my federal student aid report it does not show my repayment plan type or PSLF. Any time that I have called Navient, or XXXX XXXX before my loan got switched to Navient, for assistance or options I have been immediately granted a forbearance, but have always been told that I did not qualify for any types of forgiveness either because of the type of loan that I had or my income. I spent my first ten years in XXXX in XXXX that were XXXX XXXX XXXX. The following nine years were XXXX XXXX targeted XXXX. I had colleagues with other loan service providers that were able to get some loan forgiveness with their loans, but I have never been able to receive anything other than forbearance from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Regional Management Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The past 3 weeks ago I had 2 different phone calls from 1. XXXX XXXX XXXX and the other is Regional Financial about online applications of {$10000.00} loan that I didn't apply for. I am afraid that my identity has been compromised. I also received some letters about some banking accounts being opening in my name and I don't know if there is more frauds going on. I also have a couple of hard inquiries on my credit report. Thank you for the help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am currently disputing a debt with Nissan Motor Acceptance Corporation because the have violated my contract in the Truth in Lending Act. While disputing it I saw that they have violated the FDCPA as well due to me a having a cease and desist against them ( USC 15 1692c ( c ) ) meaning ceasing communication ; if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ; ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

This was not the case with Nissan they did not give me any remedy and they continued to send me statements saying that I owe a debt after they received the cease and desist and not only did they send me statements they reported late payments on my consumer report which a violation of the FDCPA. 

I have called them about about this matter and all they did was put me on hold and transferred me to different managers and the last one told me that her manager was in a meeting and to leave a voice message and he still hasn't returned my call. This is shameful that I have to go through this in order to get this company to follow federal law. 

I am also demanding my payments that have paid on this alleged debt be sent back to me according to ( 15 USC 1692h ) If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. 

I demand that Nissan start abiding by the law take of of this matter so I will not receive further injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called XXXX XXXX XXXX who supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from 2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX collect on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in 2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr old fraudulent debt. The law firm of Fein, Such , Kahn & Shepard is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I RAN MY CREDIT AND FOUND SEVERAL ACCOUNTS THAT ARE NOT MINE. i NEED THEM DELETED IMMEDIATELY.. I HAVE ATTACHED AN IDENTITY THEFT REPORT REGARDING THESE ACCOUNTS.

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 2020-07-25
Company: AES/PHEAA
State: MI
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:
My federal student loan was transferred to Fedloan Servicing in XX/XX/XXXX. At that time, I had already made 13 qualifying payments on my REPAYE plan with my previous servicer, XXXX. 

I continued to make my payments in full each month following that, until my loan was placed into administrative forbearance in XX/XX/XXXX, pursuant to the CARES Act, for a total of 18 payments. 

In XX/XX/XXXX, I requested a count of the number of qualifying payments I had made on my REPAYE plan. In XXXX, I received a letter stating that I had made only 18 qualifying payments. 

I wrote back the same month disputing the payment count on two grounds : 1. The payment count did not include the 13 qualifying payments I made to XXXX before my loans were transferred to Fedloan Servicing. 

2. It also did not include the 3 skipped payments ( for XXXX, XXXX, and XXXX ) during the time my loans had been in administrative forbearance as a result of the CARES Act. Per the CARES Act, those skipped payments should have been added to my qualifying payment count. ( Title III, Subtitle B, Section 3513 states that " Notwithstanding any other  provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ),  the Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program or loan rehabilitation program authorized under part D or B of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ; 1071 et seq. ) for which the borrower would have otherwise qualified. '' ) In XXXX, I received a response from Fedloan Servicing that was identical to the first letter, simply stating again that my payment count was 18, without any attempt to address the two specific points I mentioned in my dispute.

Company response to consumer: Closed with non-monetary relief