BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
XX/XX/2016, Nelnet sent me a notification congratulating me that my student loans had moved to forbearance and deferment status and I was no longer required to make monthly payments. 
At the time, I did not fully understand what the emails meant, and actually thought nothing of it until I received more emails XX/XX/XXXX confirming that the payments of my student loans had been postponed. When I checked with my spouse, who advised me that perhaps it was connected to the fact that our son, XXXX, had returned to university full-time, yet she explained that my loans should not have moved to deferment/forbearance status as the loan is in my name, not our son 's. She advised me to contact Nelnet and explain that an error had occurred. Like me, she also has XXXX Direct Plus loans for XXXX, yet with XXXX XXXX. When I phoned NelNet, the agent responded saying that it was not possible to remove the deferment status, hence making it impossible to restart the automatic payment plan. He advised me that I could still make monthly payments, yet had to do so manually. 
When I updated my wife, who works in a higher education state agency, she reiterated that was incorrect information. She followed up by logging into my account and accessing the instant chat message and sending an email. The result of that action was one of my loans was taken out of deferment. XX/XX/XXXX/XX/XX/XXXX, we followed up again via phone to request an explanation for the deferment status. Finally, the second loan was moved out of deferment. In the interim, of course, compounded interest resulted before I noticed what was going on, and then during the struggle to resolve the issue. 
Coincidentally, I finally received an email response last week sent to Nelnet about the deferment issue last fall. I suspect it may have something to do with the XXXX complaints now surfacing in the news. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened up credit card accounts with Capital One, XXXX   XXXX, XXXX XXXX XXXX, And XXXX XXXX. I only wanted a minimum amount of credit of XXXX for each card. I got from Capital One I believe was XXXX, and somehow I got an invitation from XXXX XXXX to open a line of Credit ( I never asked for ) ... they too charged me XXXX. XXXX XXXX forced me to take XXXX, I only wanted XXXX, and no more than XXXX. They opened my account at XXXX. When I lost my employment and was unable to make my monthly installments on time they kept tacking on interest rates that were too high for me to keep up, so I closed All of my accounts. Since my accounts are closed, are they still able to charge high interest to the accounts? I've asked for payment arrangements, and extensions to be able to pay my debts, however ; I wasn't able to keep up with payments, so they started to harass me with unwanted phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Hillcrest Davidson & Associates
State: PR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On approximately XXXX I began a two ( 2 ) year security contract with : XXXX XXXX XXXX XXXX XXXX, TX XXXX. When I tried to cancel my contract my contract in XXXX XXXX, I was informed by XXXX That I could not cancel my contract because it was self-renewing. I disagreed with their claim and requested to speak with the cancellation department which informed that I had another extra year to go prior of allowing me to cancel the contract. For several months I attempted to cancel my contract and I offered them a total payment of {$220.00} which was the amount that I owed until XXXX XXXX. My offered was rejected and they will not accept the payment neither they would cancel the contract. I did not receive any notification from the collecting agency. I noticed this irregularity when I ran my credit report via a free app called XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: SC
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 XXXX XXXX wrote Equifax on XX/XX/2022 informing them that they were in direct violation of 15 USC 1681b ( a ) ( 2 ). Which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is identity theft. Below I will list 19 accounts that are listed on my Equifax consumer report that I did not provide written consent for them to furnish on my consumer report. I demand for Equifax to remove these accounts from my consumer report but yet they are still listed. I demand that Equifax remove these inaccuracies from my consumer report. If they are not removed I will not extend my credit to anyone or allow Equifax to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent upon fair and accurate consumer reports. By Equifax allowing these inaccuracies to be furnished on my consumer report it has caused me to lose confidence in the banking system. If Equifax wants to continue doing business with me. They should delete these inaccurate accounts from my consumer report. DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-XXXX, DEPT OF EDXXXX, DEPT OF ED/XXXX-5XXXX67, DEPT OF EDXXXX, DEPT OF EDXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: AZ
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  Account : # XXXX, of 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 Plus The dates of the Creditor for These Accounts are incorrect on all three Credit reporting agencies.

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 2015-12-23
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage processor has severely limited my payment options as a result of their own internal error. This has made it very difficult to pay them resulting in additional fees due to delays they have introduced to the process.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: SC
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:
Their information stated it was received from an outside source as the XXXX XXXX XXXX XXXX XXXXXXXX states it did not supply any information to Experian Experian in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX SC XXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

Experian in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX Identification Number 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 also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX Partial Acct # XXXX as 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 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 2016-07-29
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Penny mac mortgage is deliberately holding onto an insurance draft check for XXXX + even after 3 weeks ago their own inspector inspected the work, certified it was complete, and sent that info to the lender. I have already incurred the cost of my own repairs and would like my money back. when i call they keep giving me the run around about timelines and such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Access Credit Management, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This is a complaint in regards to the practice of Access Credit Management , Inc. in XXXX XXXX AR. First of all a default was put on my credit in 2008 but was not properly served. Secondly, it was served on a bill past the " Statue of Limitations '', as well as, the company sent me a statement with a balance of {$760.00} and would not take payment offer of {$450.00}, but proceeded to tell me only 9 days after statement that was sent, the new balance was over {$1400.00} and illegally said they would continue with the legal process. The company also contacted my employer representing Attorney XXXX XXXX 's office according to the caller ID and stated that to my employer which was an embarrassing and could have caused my job to be in jeopardy. This company is conducting practices that are unethical in several areas and consumers should be protected from these type of junk debt buying people, particular the employee XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery received credit card debt in my name following a divorce that I was disputing with the original credit grantor. I requested verification of the debt, which I did not receive after multiple requests. They advised me to email them on their secured server. To date, I 've received no response. They are also reporting to the credit bureaus that my account is is " Dispute After Resolution, '' which is not possible since nothing has been resolved or verified. Additionally, they are reporting a delinquency date of XX/XX/2015 - again, not possible since I have not agreed to the validity of this debt and made no such arrangements to pay. The original delinquency dates for these accounts was several years ago with the credit grantor, and thus my info is being falsely reported and it is negatively impacting my ability to secure a home mortgage. They are also reporting these accounts multiple times to my credit report, making it seem I am delinquent on more money than what is already in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I sent a cease and desist order to XXXX XXXX XXXX along with a debt validation request. On XX/XX/21 I was sent the attached files claiming they do not fall under XXXX. they failed to send all documentation. today on XX/XX/21 they violated more rights - XXXX  by contacting a relative in reference to account I requested validation for along with XXXX  failure to cease communication, and calling from " XXXX '' which falls under XXXX XXXX XXXX  as a way to mislead and violate my consumer rights XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I reviewed my credit report several months ago and noticed several accounts on my credit file that do not belong to me so i contacted the creditors to notify them that these accounts are not mine and filed a police report because i have been a victim of identity theft. This company has refused to removed the negative account from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # 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 XXXXXXXX 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 2016-07-05
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I contacted Navient ( my servicer ) and requested to consolidate my student loans so that I could request Income Driven Repayment, in light of significant financial struggles ( reduced employment, and income ). The Navient representative indicated that I could not consolidate my loans XXXX, XXXX, and XXXX because they were returned to the guarantor ( The Federal Government ) and that I should contact them. The call was disconnected ( I 'm is not sure if the representative disconnected or not ). I called back and spoke with another representative, who told me that the loans XXXX, XXXX, and XXXX could not be consolidated because Navient had submitted them to The Federal Government, and the Federal Government had " rejected '' them and returned them to Navient, therefore, Navient " owned them '' and that I would have to pay them in full to Navient. I asked why the Federal Government had rejected them and when did this happen. The Navient representative said he did not have that information. I then contacted the Federal Government student loans office, and I spoke with the National Student Loans Systems representative. She checked their database and told me that Navient had NOT submitted the loans to them, and the Federal Government had not rejected any request from Navient. She indicated that she could see and could determine from the database ( Federal Government ) any transactions that would have affected my loans. She transferred me to a representative who helped me complete the online loan consolidation request ( at the Federal Student Loan website ). My loans XXXX through XXXX were included in the consolidation request. PLEASE help, I hope to consolidate my loans and request an Income Driven Repayment plan. Thank you for any and all assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XXXX I attended XXXX XXXX XXXX to obtain my XXXX licensure XXXX XXXX, Florida. The student aide dept there obtained funding for my program and I signed for the loans. I had very little understanding of the process & or lender. 

I, obtained myXX/XX/XXXX license and worked in the field for XXXXyrs after as a XX/XX/XXXX 
In XXXX, I went back to school to obtain my XXXX. In my XXXXrd year I was hindered by the inability to procure loans for school. 

In XXXX, I entered a loan rehabilitation program to rehabilitate my student loans ( all defaulted loans ) I enrolled in XXXX in XXXX of XXXX and have been attending since that time. 

Having received my default clearance letter due to loans rehabilitation completion. 

Since, XXXX of XXXX the debt collection company continues to report and actively seek payment on debts they claim I owe. They refuse to remove incorrect remarks from credit reports and incorrect reports from XXXX XXXX  as Dept of Education has provided should be done due to the umbrella loans into rehabilitation and the XXXX XXXX reporting regulations. 

I have no knowledge of ever entering into any agreement with ECMC as a loan servicer in XXXX for XXXX XXXX XXXX for XXXX XXXX license or any other degree. Yet, the company continues to cause detriment to my credit rating and harase for payments I do not believe are owed through this last two years ; while I have been attending XX/XX/XXXXas a full timeXX/XX/XXXXXXXX.

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 2017-08-16
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2015 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 has violated my rights.

15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1681 section 602 A I Have the right to privacy.

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 2015-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been attempting to make a payment to my account online. The payment did not go through because the creditor did not process it. I pay the debt in full every month. They stated that the issue was my problem regardless of the fact that I have submitted the payment and it did n't process due to their website error. My credit is effected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-14
Company: EQUIFAX, INC.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation