BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-07
Company: GREAT LAKES
State: NH
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:
Daily compounded interest is killing me! My payments are always on time and I pay more than the required amount. If I pay early XXXX month and then on time the next, the # of days x interest will not let me get ahead. This is terrible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I am a victim of identity theft. I have been disputing a Target account that does not belong to me.Account # XXXX. This account is in dispute with all XXXX credit bureaus as well as Target, and several government agencies. 

Target then, knowing the account was in dispute, CHECKED MY CREDIT. They had no authorization to do this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: Nelnet, Inc.
State: WI
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:
Hello, my student loan processor is Nelnet. All of my student loans are Department of Education loans and remain so. Since my graduation from graduate school XX/XX/XXXX, I have maintained my loans under a regular income-based repayment plan. This required recertification in that plan on an annual basis with updated income amounts. I met this duty XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. As it relates to this year, I reenrolled for income-based repayment on the Department of Education web page. I completed this update online before the deadline listed on both the Department of Education website and Nelnets website. I even have a screenshot of the deadline listed on the Nelnet website - XX/XX/XXXX. I note that I took the opportunity to take a screenshot of the deadline as every year in providing my updated information, I have add " difficulties '' in communicating with Nelnet. I have now received correspondence from Nelnet advising me that all of my student loan interest has capitalized. No information was given as to why my interest had capitalized. Upon completing a telephone call with Nelnet this evening, I was advised that I apparently did not make the deadline for providing my updated income-based repayment amounts. As such, not only has my interest capitalized but I have lost my regular income-based repayment plan and have been placed on a standard repayment plan spanning the course of 10 years and costing more than {$1000.00} in loan payments per month. I requested that Nelnet provide me with a written confirmation/explanation on why my loan interest capitalized. I was initially given a PO Box in XXXX Nebraska that I would have to write to to obtain such a confirmation. However, after further complaint, I was advised that Nelnets " correspondence team '' would try to send me correspondence in about five business days regarding why the interest capitalized. Upon further cooperative complaint, at the capitalization as well as losing the income-based repayment plan, personnel at Nelnet tried to get me to sign up on the spot for different plans which I had only their preliminary information to go off. 

I write for your assistance and returning me to my regular income-based repayment plan that I have persisted on for the last four years and hopefully to un-capitalize the interest they accrued. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax is not allowing me or creditors to access my credit reports. I have complained numerous times about this. We can not access it at all. It has caused me to be denied for credit multiple times. It is causing he horrible harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the items I disputed. Being that they have gone past the 30 day mark and can not verify these items, under Section 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 response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
'll admit upfront I was late for XXXX days on XXXX dollars when my escrow creeped up in XX/XX/XXXX. When they called me in XX/XX/XXXX they told me I was XXXX month late. I was n't sure what to think, so I went on their website and found the escrow issue and made immediate payment. I called them back and asked if forgiveness was possible. XXXX ( the cust. serv. ) said I had to send in bank records and they 'd need XXXX days to decide.lol By the time XX/XX/XXXX and XX/XX/XXXX had passed I had XXXX late payments against me even though I had paid all my P & I and taxes and insurance up to date. Just not the late payments. If they had n't tacked on late payments i was never XXXX days late ever. 

Also, I made payments XX/XX/XXXX and XX/XX/XXXX. The XXXX payment on the XX/XX/XXXX should n't have been processed until XX/XX/XXXX, but they Processed it on the XX/XX/XXXX. IN XXXX YEARS THEY HAVE NEVER PROCESSED A PAYMENT IN UNDER XXXX DAYS. Then, I 've never paid ahead of time. Still their records show they put the moneys in suspense not principle. These guys are playing games to balk consumers out of late charges. I need help to get these guys back, and to restore my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Several years ago our mortgage was sold and when the information was exchanged between the XXXX companies my social security number was written wrong by XXXX digit. I did n't find out until years later and in that time all of the reporting agencies changed my number. I do not feel this is my error and there should be record of a number variation in each of their systems. Why do I have to prove who I am when they are the ones who changed the reporting information and what happened to my social security number whose name is now assigned to it that it would n't recognize both of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Experian.com fails to inform applicants of the automatic monthly fee into a forced subscription/ membership. This was my experience upon utilizing Experian.com to obtain my credit report, which I paid for that via online. Please note this was my first inquiry on my own, which I am entitled to obtain for free, however I paid for it and received it. What I did not authorize was to be automatically enrolled into additional services I never requested. Furthermore services for their fee was never provided, I did not receive any assistance for credit issue however they obtained a total of {$79.00} ( XXXX payments of {$9.00} ). This is a hidden and deceptive practice this credit company forces their clients into. Please note I did pay for my credit report but was unaware of the monthly {$9.00} monthly subscription. Experian.com unlike its competitor XXXX does not ask for a credit report, this is something all credit companies should provide for free since a consumer is entitled to XXXX credit reports a year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I filed bankruptcy in XXXX 2011 and my XXXX XXXX XXXX XXXX was included. I did not reaffriem with XXXX XXXX XXXX, but i have been making on time payment since inception of the loan, which has not been reported to CRA.

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 2016-12-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XXXX I contacted the creditor XXXX to settled this account. They referred me to a collection company that collected my payment settling this account in full. I contacted the original creditor today to see why they have n't updated my credit file and they referred me back to collection agency. The collection agency is NOT reporting this debt. The company XXXX is the one reporting it. I strongly feel they are the ones to update my balance to show XXXX since they are reporting this old debt.

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 2016-02-19
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Experian states they have verified information that is incorrect. I have called them and am told that all they do is electronically send messages to the creditors who pay to put the negative information on their site and they check yes or no for the verification. This is not validating a debt or address, etc.! There are items that the other bureaus removed that Experian refused to remove!

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 2016-01-29
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
As a judgment against me, case # XXXX out of XXXX XXXX XXXX XXXX, is listed, but lists the account status as " Unknown. '' I have been denied housing and utilities on more than one occasion in past due to this record being inaccurate. As a public record, anyone can see that the debt has been satisfied, paid in full, in XXXX of 2012. As it seems that the credit reporting agencies do n't have the time to investigate what they report, I would appreciate the help in urging them to do so.

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 2016-02-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I got a letter from California tax fanchise board of unpaid state taxes from 2013. I called them and explained I 'm XXXX XXXX military and have been for 22 years. I have not lived in california for 22 years. I am exempt from paying state taxes for Califronia. They admitted it was a error right away and XXXX out the debt. However, the very next day a tax lien hit my credit reports. I have submitted to all XXXX credit reporting sites. The lien is coming back paid BUT will remain on my credit until XXXX. I called the fanchise board to have this removed and was told the XXXX XXXX office wouldd have to remove it. When I called them I was told no the franchise board would be the ones to remove it. The recorders office did say its showing on their end as a error. So why is it on my credit report as a released tax lien. I need help to get this resolved and off my credit reports. Thanks in advance for the help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did XXXX allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.

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 2016-07-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2016-04-04
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted 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 explanation
Consumer complaint received 2015-06-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian refuses to re-investigate the XXXX negative accounts and refuses to remove them even though they are past the statute of limitations. Also how is it they are still in business and not being sued by federal government for violating the fair trade act? They are currently being sued by the state of Mississippi for violating it. They are harming peoples lives by not doing what they are supposed to. Disputing an item once and not doing it again even XXXX years later goes against the fair trade act. When you call they try to pitch things for you to buy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Marlette Funding, LLC
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Statebridge Company
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hi my name is XXXX XXXX for the last three years I been trying to get a modification well they gave me one but it always was high well XXXX sold my mortgags to statebridge well I was late one month and they charges me a XXXX late fee and start talking about putting a lie on the house mean time my husband have a XXXX XXXX meant and cant work and now getting a temporary pay check until soc sec start so I sent all the paper work in for a modification and they sent me a letter saying they would not give it to me mind you my house not is XXXX I am behind 3 moths they are asking me for XXXX the lats charge are XXXX my husband XXXX XXXX from his XXXX so we could catch up until his soc sec come in but what they asking for we do n't have they are really not trying to help us I beer in this run down house for 20 years and have no where to go I WENT TO HOPE AND THEY DID NOTHING FOR ME I was told there help out were is it I pray to XXXX that you guys can help me they something fraudulent about statebridge going on even a lawyer told me so. I cant afford a lawyer right now so please help us thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint against XXXX because they ignored my request to provide me with the documentations that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 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 problem as soon as possible. Thank You!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my complaint is with DiTech formally Green Tree formally XXXX XXXX our loan has been passed from company to company. XX/XX/2015 we were issued an insurance check for some minor damages the check was sent to DiTech for there endorsement. We submitted all the requested documents pictures, receipts, notice of repairs completed. We have met all requirements. DiTech refuses to release the balance due us.All repairs have been completed over a year ago. DiTech is trying to force a conflict between us and our insurance company by insisting the adjusters estimation of damages is not extensive enough therefore they are entitled to keep the balance of the check.We believe this is an attempt to force us to use there insurance provider at a significant increase in the premiums. To date we have payed over {$90000.00} on a {$31000.00} loan to XXXX different company.We believe we are being exploited by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home mtg with Chase. Account number XXXX is partial number. last XXXX of my ss are XXXX. My name was XXXX XXXX at the time and this is the name account is under. My mortgage was included in my bankruptcy. This account is well over 7 years old from first delinquency. By law this account needs to be removed from my credit report. Even though payments are not being reported and I have a XXXX balance this is still showing up as a negative on my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I made an XXXX Mortgage payment and it was taken out of my account on XXXX XXXX. Ditech refused to post it to my account and it 's calling and sending letters threatening with debt collection and late fees. I send them bank statement and proof from my bank and even had a three-way call with my bank, and Ditech still refuses to post the payment to my account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GREENTREE SERVICING CONTINUES TO CALL REGARDING A PAYMENT THAT WAS MAILED XXXX WEEKS AGO. THEY ARE BEING RUDE AND THREATENING. I HAVE ADVISED OF CHECK NUMBER AND AMOUNT PAID. THEY CALL BACK XXXX MIN LATER AGAIN. MY LOAN IS CURRENT, NOT IN DEFAULT! I ADVISED TO STOP CALLING AND TO CONTACT ME IN WRITING, THEY CONTINUE TO CALL.

Company response to consumer: Closed with explanation