BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My interest rate has increased on a student loan on that I had a locked in interest rate previously with XXXX XXXX at 8.75 % and now it has increased with Navient to 9 %, which they say is due to 'libor rate ' which is not what was told to me in the several recorded phone calls I had with them. In addition, since I paid 'in advance ' a one time lump sum payment of $ XXXX, it is now nearly impossible to make an automated payment over the phone and when I actually get a representative on the line, they want to charge a fee of {$14.00} for taking a payment over the phone!! Not to mention their practices of not including, all in one area ( even online ) how much I pay, the interest that was paid and my new balance - this information is separated and spread out making it beyond difficult to keep track of my principle balance!! This has been the worst experience ever trying to pay off this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I wanted to pay off the balance on a loan, XXXX Comenity XXXX XXXX XXXX XXXX, that was provided to me by a XXXX  XXXX company through Comenity Capital Bank. I had the account initially set up to pay the minimum balance due monthly. My payments were auto-deducted each month for approximately two years, on time. On XX/XX/22 I called to pay off the balance in full. On the phone I was asked by the Comenity bank representative how I wanted to pay off the remainder of the balance. I said the same account that was being used to make my monthly auto payments. The bank representative said that it had been paid off prior to us ending the call. A month later I received a statement from Comenity showing {$2700.00} being deducted and then reapplied on the same day ( XX/XX/22 ) and a fee of {$25.00} for a return check fee, and an auto-payment of {$100.00} on XX/XX/22 and interest for the period XX/XX/22 to XX/XX/22 of {$64.00}. I contacted my Credit Union, XXXX XXXX XXXX XXXX and asked them what happened with this transaction. They researched and determined that COMENITY used incorrect numbers for my account while trying to pay off the balance. I do not see how they could make this mistake as they had my information and had been debiting my XXXX account for the past two years. I called them immediately after I spoke with XXXX and paid the balance off at that time, but did not pay the return check fee of {$25.00} or the accrued interest of {$64.00} since this was Comenity 's fault for processing the transaction incorrectly. I asked Comenity for those charges to be reversed but paid the remainder due on the account in an amount of {$2500.00}. They still have not reversed those charges and are instead accruing interest on this amount each month. I have since went to my Credit Union and they provided, in writing, a letter attesting to the fact that there was an attempt by Comenity to withdraw {$2700.00}, with an effective date of XX/XX/22, but it was denied as the account number Comenity entered was not correct ( and was not the one that Comenity had been using for the monthly auto-deduction ). I am attaching the letter from XXXX XXXX XXXX XXXX to support my claim of Comenity 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Complainant ordered a XXXX XXXX from XXXX XXXX on XXXX/XXXX/XXXX using a Capital One VISA credit card, paid via XXXX. Computer arrived in a non-working condition. Returned the computer on XXXX/XXXX/XXXX. After 30 days, Capital One credit card had not been credited for returned item. Complainant opened a dispute with credit card issuer Capital One. On XXXX/XXXX/XXXX, Capital One denied the dispute chargeback because purchase involved XXXX, in violation of the United States Fair Credit Billing Act, 15 USC 1601 Section 170.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Great Lakes Borrowers Services on XX/XX/22 to request a refund of the payments I made during the COVID-19 pause and verified the amount of {$8200.00} would be refunded back to me in the form the payments were made via direct deposit. The representative was polite and placed me on hold while getting approval and once she returned she told me the request was approved and I should see my refund within 5-7 business days. After not hearing anything or receiving anything I called again on XX/XX/22 and was told to be a little more patient and that it actually takes 4-6 weeks. It is now going past the 6 weeks and nothing still has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Bridgecrest Acceptance Corporation
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
It was XXXX and I got into a car wreck and reported it to XXXX and Bridgcrest. Then XXXX and I froze my account so I don't pay on a wrecked car and then i called Bridgecrezt and asked them what i do the gentleman told me to pay off the last month and I should be good for the car will dont by that time. I payed off what he told me to pay and then i got informed that XXXX and bridgcrest weren't communicating and I had missed payments on my bridgcrest account. The lady said there is nothing they can do to help me since they didn't communicate with XXXX to get car totaled and they won't do anything about reporting the late payments. They have a great pay record with me never missed a payment and they won't help fix their mistake that hurt my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Cedars Business Services, LLC
State: HI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Around 2005 I received a call from Cedar Financial XXXX I 'm not sure if they were called that in 2005 XXXX, who identified themselves as a debt collector who somehow thinks I owe them money. I believe at the time they said it was for an unpaid hospital bill. They have not provided any documentation nor explained how they think I am the person who owes them. 

Years ago this company tried to put the debt on my credit report, but I requested the XXXX bureaus to inquiry into the debt and all three removed it. 

They have continued to periodically call, for a decade, even though I have asked them to stop calling. 

This morning they called my elderly parents, did not identify the company they worked for, behaved inappropriately, and asked them invasive questions. I know it was them because they left a message on my voicemail around the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Fuel Capital Group
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I financed a XXXX through fuel capital in XXXX of XXXX called them and asked them to send any new paperwork via email or to my new address in XXXX when I moved. Ive made every payment on time. I was lied to about option GPS recovery hardware I paid extra for by the dealer and found out later this hardware is mandatory by the finance company and protects them. Then on XX/XX/2022, I receive a text stating that " fuel capital is now Strike Acceptance, you're set to receive convenient account text. '' payments have continued to be withdrawn with no changes on my part each month. I have carried full coverage insurance as agreed to in my finance contract with fuel with zero lapses. Today I visit my family and find a letter sent to my parents house saying that they can not verify I am carrying full coverage insurance and that if I do not prove I have full coverage insurance with " Stike acceptance as the lossy by XX/XX/2022 they will take measures to protect themselves which can cost me. I opened this letter on XX/XX/XXXX. I've never signed any paperwork changing my contract or terms nor agreed to receive any account correspondence via an address, which I have not lived at since 4 months after purchasing my XXXX. I feel mistreated and violated in the contract agreement I signed in many ways. I should not be penalized because a fiance company decides to change its ownership or sell my loan without properly informing me of changes and requirements that I can agree to. nor should I be put in a position where I need to take time from work to try figuring out what I need to do to address these new demands after receiving a confusing and threatening letter. I've abided by the terms of my contract. I also would like a refund for the GPS options I was sold fraudulently because the dealer said it was an option, which would pay me XXXX dollars on top of the value of my bike if it was not recovered and this is not true. it is mandatory according to this financial company 's paperwork and a violation of my contract if I remove the device. I was not informed of any of this, was misled about what this was, and paid for something I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Comments Complaint of Wrongful and illegal Foreclosure I XXXX XXXX need your help, in finalizing my loan modification that 's has been approved by bank of America Home Loans ; however the Bank of American attorney has repeatedly tried to sell my property out from under me through Sheriff Sale Auction even though I was approved for modification on or around XXXX/XXXX/2016. 
I'am concerned that the judge and magistrate in the XXXX XXXX XXXX XXXX Court Case # XXXX is showing favoritism towards the attorneys for bank of America and continuously have not answered or addressed any of my motions which I have attached to this cover letter. I am currently still working with my relationship manager at bank of America XXXX XXXX to get this matter resolved but she seems to go back and forth concerning the approval of my loan medications My Relationship said she spoke with the bank of America attorney to hault the sale but she stated the attorney moved forward anyway. 

I XXXX XXXX really need your help and assistance to keep and redeem my property from for closer, please see my motions I filed with the court attached to support my case. Thankyou for your consideration in this important matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX Ph XXXX XXXX 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 explanation
Consumer complaint received 2016-02-24
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Have tried for the past 1.5years to negotiate repayment plan with BOA/XXXX without success

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # : XXXX ; XXXX ; and XXXX .I 'm including these again. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

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 2022-10-17
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I trying to find help with my XXXX account. I came across a company called XXXX XXXX XXXX. I spoke with an individual named XXXX XXXX, he had me download different apps XXXX XXXX XXXX XXXX XXXX, and XXXX. With the XXXX XXXX XXXX app he was able to see my Chime Bank Account. The individual asked me questions ( did I know anyone in New Jersey and XXXX, New York? ). 
Of course I did not and he proceeded to tell me someone was charging my account. The individual XXXX XXXX had me sending amounts through my XXXX  XXXX account on my bank app. The amounts totaled {$5000.00}. And my bank Chime Bank, will not refund my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Selene Finance LP
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was with XXXX XXXX XXXX after being sold XXXX. In XX/XX/XXXX I applied for a mortgage modification due to the downturn in the economy. After 4 years of submitting the same information over and over, I gave up and offered them a deed-in-lieu of foreclosure in return for a {$10000.00} relocation assistance. I was then told I had to go through a short sale period first, which I did. At the end of that time, I worked with XXXX on the deed-in-lieu and executed that on XX/XX/XXXX & I vacated the home on XXXX XXXX as instructed by XXXX.. That document was never recorded, the relocation assistance was never paid, and on XXXX XXXX my mortgage was transferred to Selene Finance . Now I am almost 2 months into dealing with this new company and they are even more difficult to deal with. I have emailed and called on a regular basis ; I receive no replies to emails and when I call I am told it is being worked on, " just XXXX more thing needed, '' etc. I am living with my ex-husband because I can not afford to rent a place to live until I receive the relocation assistance monies. I have done everything I have been asked to do and in a timely manner and I need some assistance immediately. I am XXXX years old and at this rate I will never be able to purchase another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I can not pay my payment as co-signer on my daughter 's loan without being automatically signed up for automatic draft from my checking account. When I attempted to pay over the phone I had problems and was put through to a representative and was told that they could not accept my payment over the phone without collecting a {$14.00} " courtesy fee ''. The loan was initiated with XXXX XXXX and sold to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Problem with personal statement of dispute

Complaint:
the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to read  it.She  told me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!

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: EQUIFAX, INC.
State: PA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # : XXXX ; XXXX ; and XXXX .I 'm including these again. 
XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I need for this address to be removed from my credit file   XXXX   XXXX    XXXX   XXXX , SC,  XXXX  My current and only address is  XXXX   XXXX   XXXX   XXXX ,  XXXX , SC  XXXX  I have attached the drivers license to this complaint. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report on last week of XXXX 2016 and found out most of the hard inquiries in my EQUIFAX report are fraudulent and NOT mine .On XXXX 2016, i faxed a letter of request to equifax to remove those fraudulent inquiries and I did also called 2x for follow up but the customer service thats I spoke with doesnt want to removed them. She want me to sign up first w/ equifax credit monitoring then she will help me if i sign-up. I think this is an unacceptable form of treating people if they will not agree to pay for equifax monitoring services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, Equifax has not removed this from my credit file although the judgment has been satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the 2 credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the 2 accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XX/XX/XXXX to XX/XX/XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the XXXX credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the XXXX accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XXXX XXXX to XXXX XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.

Company response to consumer: Closed with explanation