BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
School XXXX Lender NAVIENT PRIVATE LOAN TRUST Disbursement Date XXXX/XXXX/2005 Original Principal {$8600.00} COSIGNER XXXX XXXX XXXX I asked for a student loan for career training on the promise that I would have a " good paying job before I finished the 6 month course '', but the reality was different, had to look for a another job not related to training.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient had been emailing about needing to consolidate my loans. In doing so, the income based payments were a huge amount of money I could never afford and I still do not even have an increase in pay from prior to graduation. I am still working on a new position now that I have my degree. Because I could not pay the insane amount requested, I was forced into a regular repayment plan. Now I will not be able to have my loans forgiven after I have been with my employer for 10 years. Extremely frustrating and no responses to emails for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent investigation and dispute letters on the following dates : XX/XX/XXXX, and XX/XX/XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
When Bank of America did not receive a payment from me on time, or even 30 days after the payment was due, they did not bother to call, text me or mail any correspondence to me. They were emailing statements to an old email address which I failed to update them with however they had my phone number and my mailing address. I was only made aware of the late payment as Bank of America mailed me a letter after the payment was already 60 days late. This letter advised that my payment was 60 days late and as a result my credit would be adversely affected and that they 've lowered my account balance from {$4500.00} to {$500.00}. 

Upon receipt of this letter I called Bank of America to first off pay my account balance of {$6.00} which was initially due on XXXX/XXXX/14. After I paid the balance I spoke with someone to dispute the lowering of my limit and asked if they could retract or note their reporting to the credit reporting agencies differently so it would n't affect me negatively. Their argument to not calling or mailing anything to me was that I selected paperless statements. I brought up the fact that that any debtee will try all methods possible to reach the debtor and collect that payment. They were of no help, the rep. was very rude and they still have not mailed anything, as they promised, with their answer to my disputeAs a customer of Bank of America, I would think that they 'd want me to receive the best service, that they 'd want me to keep a good standing account with them and that they 'd look out for my best interests. In this case I feel like Bank of America failed me and then they penalized me. All of this was totally avoidable had I updated my email address or remembered that I had charged {$5.00} on my card however in the event I failed on my part, Bank of America should 've called me, texted me or mailed a letter to me as soon as they did n't receive a payment when it was due. Instead they mail me a letter after my payment is already 60 days late. If they were capable of mailing this letter, why could n't they have sent me XXXX 60 days before letting me know the payment was late? There should be a rule to protect the consumers and state that the debtee must try all methods available to them to reach the debtor as soon as the payment is late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2021 as part of my auto insurance packet I received insurance Scoring and Fair Credit Reporting Act Notice stating that I can contact LexisNexis to obtain free copy of consumer report. 

I filled out request on XXXX within week of receiving insurance packet. On XX/XX/2021 I received notice from LexisNexis via mail stating that " LexisNexis ... was unable to locate a file sufficiently matching your data ''. 
Assigned Case # XXXX On XX/XX/2021 I contacted LexisNexis via email ( XXXX ) providing copy of the - LexisNexis notice - XXXX XXXX XXXX and Fair Credit Reporting Act Notice with information that should help locate my record On XX/XX/2021 I received email communication from LexisNexis with request for copy of my Driver 's License ( Case # XXXX [ Incident : XXXX ] ). 

I have submitted copy of my DL on XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX : XXXX ] [ XXXX : XXXX ] ). 

On XX/XX/2021, I asked LexisNexis to update me on the status of my request ( email sent to XXXX ). 

On XX/XX/2021, I asked LexisNexis again to update me on the status of my request ( email sent to XXXX ). 

As of XX/XX/2021, I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an account with XXXX XXXX  in XXXX XXXX Louisiana that was open in XXXX and it was closed in XXXX and paid off .. just over the year I all of a sudden have late payments showing up in XXXX for this account when It never was reported for being late on this account even before. XXXX  is reporting correctly yet XXXX  and equifax has it wrong. I went to the company and he said I was not late in XXXX. I cant be late in XXXX for an account that was paid off on XXXX. This is hurting my recent credit history snd how for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: National Commercial Services, Inc
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Collection agency NCS have been repeatedly calling me on my cell phone during work hours. When I answer I have been put on hold and eventually forwarded to a voicemail. I was finally able to get a hold of someone only to be yelled at called XXXX and then hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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:
XXXX is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. XXXX is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I went to school to become a XXXX. Once I graduated everything was great. I was working full time and paying everything on time. XX/XX/2011 I got into a bad car accident on my way to work that left my not about to work in my field. Now I would at a desk job not being able to make as much money as I would as an XXXX. As it was I was barely being able to maintain my $ XXXX monthly payments. Just XX/XX/XXXX they raised my bills to {$1400.00} a month. There is no way I can afford that seeing how I only make {$XXXX} every two weeks. I tried talking to them and I have been working with they attorney generals office. All they say is they wo n't lower my payment because my dad cosigned and between the both of use we have good credit and never missed a payment. So instead of helping us because of being good customers they would hurting us. Now my father and I are struggling to make the payments and I am about to default. They would rather see me ruin both my credit and my fathers then to lower my payment and get their money. 

I know I took out the loans and I have no problem paying them back. But life happens and they need to understand. If they just make it reasonable for me to do so I will be more then willing to continue to by my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: AMERICAN INTERNET MORTGAGE
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
AimLoan.com used a bad tax estimate when closing my loan and owes me money back from my escrow account. However, they will not correct the problem and have not been timely responding to the RESPA Notice of Error that I have sent them. I have paid the principal and interest, but they will not apply it to my account and are charging me late fees for the whole amount when only the escrow is in dispute. What good is RESPA if the lender/servicer can continue to act in bad faith and punish the consumer at will. Even after the mortgage fiasco that caused the recent recession, the consumer is always left holding the bag and the lenders can do whatever they like with impunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: NY
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 writing you because, I sent the 3 bureaus numerous letters about fraudulent and inaccurate information on my credit report and also asked them to show me how they verified this information was true, being that I already told them its not mines, and till this day I still have not received a response from them. I never opened a XXXX account in my name and that is on my report. Also, I never authorized any furnishers to report on my credit and they can not prove that I did. So its taken them more than 2 months to respond to me and I never authorized them to put anything on my account and these fraudulent accounts and late payments need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collector continues to report, twice, a debt which has been paid to the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
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:
After my last complaint against Credit Acceptance, I was able to enter the Covid Relief Protection plan. The plan stated that I would have 90 days where I would not have to pay anything so that I could get back on track. After the 90 day mark was up, I would have to pay the original amount of the monthly payment each month, within a 30 day timeframe. 
In other words, once I started paying the loan back XXXX XXXX ) I would have between XX/XX/XXXX and XX/XX/XXXX, without consequence, to make the payment. If I continued to make the payment as instructed, I would be allowed to stay on the plan. The plan does not stipulate that I need to make a payment arrangement and it does not say that I need to pay for any amount of the loan that is already in delinquent status while on the program. 
In XXXX, I began making the payments as instructed. Each month after the payment was made, I began getting up to 10 calls a day telling me that I needed to enter into a payment arrangement. When I informed the agent that I was on the Covid Relief plan, I was told that even though I was I needed to enter a payment arrangement to 1. get the delinquent amount caught up and 2 to make sure that I am paying " on time '' or I will continue to get calls. I was not informed that the company would continue to mark my credit as 120 days or more past due. 
When you read the guidelines of the Covid Relief plan on their website, this is in total disregard to what the plan actually stipulates. 
I need assistance with getting this corrected. I am doing the best that I can, yet I am still being harassed, and I am still suffering under this company.

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 2016-11-30
Company: U.S. BANCORP
State: WI
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Using a debit or ATM card

Complaint:
bank accounts are tampered.

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 2015-07-01
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off a mortgage loan from US bank and they are holding the overpayment as wells as the escrow account balances for upto XXXX days. There is no reason for them to be able hold onto my funds, as they were paid in full from the new lender. This process of waiting to provide borrowers with their money and overpayments is unfair and uncessesary. I demand that these should be remitted within XXXX business days of the loan paying in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This morning, Saturday, XXXX XXXX, 2015, I called customer service at ( XXXX ) XXXX and learned that U.S. Bank 's policy is to opt customers into overdraft protection by default ; customers are expected to explicitly opt out. Interestingly, during the automated review of the status of my account, which I completed just before speaking to the U.S. Bank representative, the teleprompt indicated that I did not have overdraft protection on my account. I mentioned to the U.S. Bank customer service representative that I did not recall this being pointed out to me during the account onboarding process. The representative 's response was that I should contact the member who opened my account or the branch manager. I asked the representative to remove the unwanted overdraft protection, and after trying to discourage me, he finally removed the overdraft protection, at least that is what was indicated to me. I was advised that it would take 2 business days to remove the overdraft protection. Additionally, my request for a courtesy credit of the fees incurred to date, of which there is a total of {$340.00}, was denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX, Equifax and XXXX have received the proper court ordered documentation that was signed by the Judge of the Federal Bankruptcy Court, Distric of Minnesota, saying that the accounts in question connected to XXXX have been discharged and are no longer available to claim any debt. XXXX was given 90 days to appear in court or write a letter proving their " supposed '' lender that they service was original owner of the dept in question. XXXX never showed up within the 90 day timeline. XXXX XXXX XXXX XXXX gave an additional 30 days for them to come forward and they still never responded. Due to these actions, and the mass amount of evidence brought forth, the judge dismissed any further collection of XXXX. XXXX XXXX and EQUIFAX have received these courts orders proving this information along with disputes to lawfully report correct and accurate information. According to the Fair Credit Reporting Act these 3 companies are obligated to correctly report information. At this point they keep reporting false and innacurate information even though they have received the court orders verifying the correct information, that proves these accounts are no longer open. XXXX keeps closing and reopening the same accounts that are in the court ordered documentation. The constant changes are damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Capital One has not cooperated based on my court agreement from XX/XX/2017 where I agreed to make payments of {$40.00} per month. Today that balance is {$600.00} and they will not update my credit report to reflect the correct balance due. Also this account is no longer a charge off and they have failed to remove it from my report and update it accurately to show the payment agreement. Im attaching proof of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: NC
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 am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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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