BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: MA
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 sent certified letters ON XX/XX/2022 to all three credit bureaus to validate accounts which I had no knowledge of and they failed to provide this validation under 15 U.S.C. Sec.1681i ( a ). I then followed up with two more written letters to comply with the investigation which they failed to do

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 2022-06-01
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 XXXXXXXX XXXX XXXXt ( XXXX ) {$4000.00}, XXXX XXXX ( XXXX ) {$1700.00}, XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1600.00}, XXXX XXXX XXXX XXXX {$590.00}, The Bureaus ( XXXX ) {$330.00}, XXXX XXXX XXXX {$130.00}, XXXX XXXX, XXXX XXXX ( XXXX ) {$140.00}, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) {$360.00}, 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 an 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 2022-06-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act XXXX XXXX Account number XXXX and XXXX XXXX  Bankruptcy reference number XXXX has v

iolated my rights. 15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.

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 2016-04-06
Company: Nelnet, Inc.
State: MN
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:
I co-signed on a loan for my spouse as she completed her XXXX XXXX degree. She graduated and 4 months later enrolled in her XXXX degree program ( XXXX ) which she is currently enrolled XXXX. The XXXX loan issuer ( Firstmark/Nelnet ) has demanded repayment of the loans while she is enrolled in her XXXX XXXX program despite their website stating that full time enrollment qualifies for deferment. They are threatening collections, credit bureau reporting, and other scary actions. We have attempted to work with them and provided documentation of her full time XXXX program but they have rejected this. We are unsure what to do and have nowhere to turn for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: GA
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 my loan was transferred from XXXX XXXX is was unclear how my payment was being allocated. I was also misinformed about payments of deadlines and critical deadlines. This continued for many months and misapplied payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: FIRST NATIONAL BANK OF OMAHA
State: AL
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:
There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- XXXX XXXX - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX XXXX XXXX Services- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by XXXX and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- First National Bank of Omaha- A letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX XXXX XXXX Letter received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX  XXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.

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 2017-02-13
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I would like to lower my monthly payment, or see what my repayment options are, and Navient is not allowing me any options. I explained that I wanted to use the avalanche repayment method and take control of my debt, and that I could not afford my upcoming payment, which is {$400.00} higher than I 've been paying for the last 5 years. They have offered no help, and I feel that I do n't know what my options are and that information is being kept from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX AND EXPERIAN HAS INFORMATION ON MY CREDIT REPORT THATS NOT MINE.

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 2022-06-01
Company: EQUIFAX, 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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) Balance {$3900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX COLLECTION : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: DISCOVER BANK
State: AL
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:
There have been several unknown credit inquiries on my XXXX Report that started XX/XX/XXXX up until most recent XX/XX/XXXX. Below are the list of companies, dates of inquiry and the outcome deemed by the companies. 

XXXX XXXX, XXXX- XXXX XXXX - A letter was sent to me by mail stating, a XXXX XXXX application opened by unknown person and outcome from company was that the account opened from an unknown source was fraudulent. A fraud investigation was initiated, but there have been no updates of the outcome. 

XXXX XXXX, XXXX Discover Financial Services- A letter was sent to me by mail stating, a fraudulent application was submitted using your name. I called the company to confirm that the application was not open by me. The credit bureau agencies were notified by Discover and they requested that the inquiry be removed from my credit report. 

XX/XX/XXXX- XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX letter was sent to me by mail, stating that an application was opened and was unapproved due to elements associated with fraud. 

XXXX XXXXXXXX XXXX XXXX received on XX/XX/XXXX stating to please call them right away because they detected suspicious activity on your credit card and the account has been suspended. I have never applied for a credit card with XXXX XXXX XXXXXXXX. I contacted the company and they gave additional information on how to report fraud alerts to the credit bureaus and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
NAVIENT/XXXX MUST BE DISCHARGED BY XXXX, THE LOAN IS AGED AND THE RATE IS TOO HIGH. I WENT BACK TO COLLEGE FOR HEALTH CARE SERVICES AND NOW MUST BE CANCELLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am Co-signer on two Private Student Loans that Navient bought from Sallie Mae prior to XXXX. I filed Bankruptcy in XXXX and got discharged approximately XX/XX/XXXX. I started repayment and these loans became part of a Class Action Lawsuit against Navient in which they were put on non-payment status for approximately 2+ years. The Loans were removed from the lawsuit and repayment started up in XX/XX/XXXX with no explanation. I contacted the Michigan Attorney General as Michigan Residents were part of the Class Action lawsuit. I was given XXXX XXXX as the Firm that had oversight and could tell me if I was on the list. I was informed that I was not on the list and after explaining my situation the Rep said I may have been missed and because I wasn't on the list did not mean I do not qualify for complete Loan Forgiveness. 
I went to www.NavientAGSettlement.com and noticed it spoke of low credit scores as a Qualifier. That was the reason I filed for Bankruptcy in XXXX due to low credit scores and inability to pay debt in which these private loans I Co-signed were part of the Bankruptcy. When the Loans started back up in XXXX I was informed by Navient Customer Service that they did not have any data as to why the loans re-instated and not canceled. I was informed by Michigan AG Office and XXXX XXXX to file a complaint with CFPB to get to the root of this matter as to why the loans were not canceled after reading information on www.Navientclassaction.com which addresses my situation and I do not understand why these loans were not canceled. It appears to me that Navient is selectively choosing who to cancel Loans for based upon some discriminatory criteria and not the criteria stated on their Wedsite. Navient has sent me emails offering to match my payments which I do not understand because this seems to be a compromise becasue the loans should have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
Opened a credit card account with Bank of America and charged using a 0 % APR promotional rate. According to BAC that rate ended on XXXX/XXXX/2015. On XXXX/XXXX/15 BAC sent me a statement that indicated a balance of {$6500.00} ( I have no idea where that XXXX came from ) with NO indication that any interest would be charged to the account, no indication ( as they NOW tell me ) that I need to call them for a payoff amount. I immediately sent them a check to cover the ENTIRE balance ( {$6500.00} ) which they credited to the account XXXX/XXXX/2015. To me that should have paid the entire account in FULL. The next month I get a statement from BAC claiming that I now owe them {$25.00} in interest on the account. I feel that is VERY DECEPTIVE ; consumers should have an expectation that paying off an account IN FULL well before the due date ( indeed, only 8 days past the statement date ) that there should be NO huge interest fee charged unless there 's some indication on the statement that this will occur. This is a very deceptive practice and I 'm sure I 'm not the only one who has been scammed by this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2022-06-01
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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX  Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX EXPERIAN XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$3900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} NXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/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 2020-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
XX/XX/2020 I withdrew XXXX from bofa and the atm only gave me XXXX I called files a claim and bofa froze my card and is shifting blame onto edd

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 2020-12-26
Company: EQUIFAX, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid XXXX XXXX off in full Its on my credit ewporrs saying I owe I have medical debts that I know nothing about they haven't swnr mw anything or validatwd these debts or showed they have authority to have these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called in a complaint against Gregory Funding a few weeks ago because they were trying to auction my house. I was able to get the sale date postponed by the judge because I have an active application for the Illinois Emergency Homeowner Assistance Fund in review. Gregory responded to my complaint and said they agreed to postpone the sale ( false ) I had to hire lawyer and judge stopped it. Gregory said that they were willing to work with me if I can get the application for state program approved. Gregory said in the letter that they included a loan summary with payoff demand good through XX/XX/XXXX, but they lied -- they did not send this to me or to my Attorney and the response to the complaint was not uploaded to your site. I have included their response. I am very XXXX  and facing XXXX  XXXX XXXX  and I have authorized a friend and my son to speak with Gregory on my behalf. However, Gregory puts them on hold for 30 minutes and when they finally get on the phone tell them they are not authorized to speak on my behalf, even though i signed the paperwork. This happened several months ago when I was trying to get reviewed for modification -- Gregory would make up a new excuse every time to deny me access to available modification and forbearance programs that are available. Gregory claims that the forbearance offer they gave me which required a XXXX down payment was the only option available. I would like to review the investor guidelines for loss mitigation and also review the performance of the tranche of loans with this particular investor to determine what percentage have been modified and what types of deals they were offered? Gregory Funding has been running a grift since they first took over the servicing of my loan, adding force placed insurance on multiple occasions, even AFTER I provided documentation that we had insurance, they did it anyway. Gregory is being sued by multiple homeowners, in fact we just got a check from a class action settlement against them. I just want them to follow through and get us the documents we need for the state. My son called them today and they said that they need a payoff demand not the mortgage statement since I am behind and they are not sending me mortgage statements. I want Gregory to work with my friend that I authorized and son to help with this situation instead of playing games so they can run out the clock and foreclose on my home

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Harley Davidson Financial Services Inc
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Once again Harley Davidson is continuing to call me after i made payment arraignments. They have called me twice after XXXX. The first time they called me after XXXX i told them i am working in Maryland apparently they did listen because they called me at XXXX on XX/XX/2015. I told them again that i was working here in Maryland. They called again this morning on XX/XX/2015. I asked them why they are calling me after payment arraignments are made once again i did not get a answer. They are becoming unbearable.

Company response to consumer: Closed with explanation