BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-24
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:
There have been several difficult situations thatI have had with my loan provider XXXX/ Navient. 
The first of many situations with XXXX began after graduation. After the grace period for non-payment ended. I had a part time job that did not cover the entire loan payment of {$1700.00} a month. The only option I was given was to go into forbearance. I was force to go into forbearance several time due to the lack of job opportunities. When I finally received a full time job and I felt like I was ready to make some type of payment, I called XXXX to arrange a payment plan. I tried to consolidate my loans to try to get my interest rate reduce from the current 16 % it was at. I was told that I could not consolidate my loans because I had past my limit of times I could put my account into forbearance. For many years I was making payments on my loans that did n't even cover the amount of interest accrued that month alone. I was making {$1700.00} a month payments and my loan amounts just kept going up. My account double from the initial loan amount I initially graduated with, before I was able to come into a low interest program. Which at this point I was still paying off all the accrued interest. This program was when my account was under Navient. During the second year of this program my cosigner started the process of getting his home loan refinance. It was at that point that we noticed that for nearly two years Navient was reporting late payments every mouth to the credit bureau, effecting our credit scored. At that point I had called Navient to see why this was happening. I had my payments setup to automatically come out of the bank account ever month before the due date. I was then told that they were allocating my payments wrong and that since I had XXXX loans under my account, that the systems was not spreading out my payment to all XXXX accounts. It was a struggle to get them to send us a letter or statement that this error occurred so that we can have something to send to the credit be bureau. We were promised a letter for nearly three months stating the error they had made. Every week the I did n't receive a letter I would call my account rep and demand I get a letter. After the third week I was no longer able to get a hold of my account rep and the person who took over my account said that everything was fine and that there was no record of the error therefore he could not send letter. I was also never confirmed to me that if had accrued any late payment fees or penalties that they would we reversed. This past few months I had my interest rate go back up to 9 % on my XXXX loan because according to Navient my XXXX co-signers were making too much money. When in fact my co-signers were not in a position to help my make my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
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: Account status incorrect

Complaint:
It all started back in XXXX when I noticed on my XXXX credit report the the XXXX XXXX XXXX file had a statement that it had been sold to another lender and on the status their was no date when it would fall off. I complained to XXXX through their complaint portal, and that was when XXXX XXXX went in in XX/XX/XXXX and reaged my account and caused my credit score to plummet. And on the Equifax file it has no closing date, and they removed a statement that said in was. Under investigation. The only one that shows correct is XXXX with an opening date of XXXX XXXX, of XXXX and a closing date of XXXX XXXX, XXXX. I have not done anything that would give them a reason to reage this account on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Date Description Principal Interest Fees Total XXXX/XXXX/XXXX PAYMENT ( {$83.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX PAYMENT ( {$84.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX DISBURSEMENT {$1100.00} {$0.00} {$0.00} {$1100.00} XXXX/XXXX/XXXX PAYMENT ( {$78.00} ) ( {$140.00} ) {$0.00} ( {$220.00} ) XXXX/XXXX/XXXX PAYMENT ( {$28.00} ) ( {$71.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$18.00} ) ( {$81.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$38.00} ) ( {$190.00} ) {$0.00} ( {$230.00} ) XXXX/XXXX/XXXX PAYMENT {$0.00} ( {$71.00} ) {$0.00} ( {$71.00} ) XXXX/XXXX/XXXX CAPITALIZED INTEREST {$0.00} {$0.00} {$0.00} {$0.00} XXXX/XXXX/XXXX PAYMENT ( {$49.00} ) ( {$150.00} ) {$0.00} ( {$200.00} ) Total Current Balance : {$89000.00} Loan Current Balance Interest Rate Due Date XXXX DL Consolidated - Subsidized {$35000.00} 6.250 % XXXX/XXXX/XXXX XXXX DL Consolidated - Unsubsidized {$46000.00} 6.250 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$5100.00} 6.310 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$1100.00} 7.000 % XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to XXXX based on the paper work sent to me was XXXX/XXXX/XXXX. XXXX took my loan it was XXXX but they reported my high has XXXX starting me off XXXX down on my loan XXXX percent when they took the loan over and created a new XXXX which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 : 90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  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 2017-04-27
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On  XXXX  approximately  XXXX  I call  one of the  local branches in my ar ea (   XXXX   XXXX   XXXX   XXXX   ,  NC  XXXX   XXXX  and asked about how to open a checking account. The CSR advised me of the documents I will need and if I knew anyone associated family member/friend with this company. I advised my father has an account with them and she stated that was good enough. I then ask if I needed any documents stating that he was my father or verify that he has an account and does it matter if we have different last names. She stated all I needed was his name but if I had his account info that would help as well but the name would be fine. I then went to the branch around  XXXX  the same day and request to open an account. The rep ask what qualifies me to open this account. I advised my father and boyfriend has an account and after she viewed my ID she noticed my father and I do not have the same last name and that I would need to provide a birth certificate to prove he is my father and my boyfriend and I will have to have the same address on out ID 's. Now I do understand there are security measures to be taken but I do n't like the idea that I was misinformed and wasted time from work running up to the branch to open an account that I could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Since Specialized Loan Servicing was assigned this mortgage from XXXX XXXX Bank in XXXX, XXXX, they have claimed that we didn't make the payment that was due XX/XX/XXXX. We have had numerous phone calls with them, and have sent them several written letters with documentation ( bank statements, payment notices, etc. ) concerning this disputed payment. They have even provided me with documentation from XXXX XXXXXXXX XXXX that clearly shows that the payment was made. This mortgage will mature XXXX, XXXX. This issue will further aggravate the dispute of the balance remaining on the mortgage. This dispute may also interfere with the sale of this home. We have recently sent several certified letters with documentation to them concerning this issue. They have been incessant in calling us about what they allege is an overdue payment. We have received over XXXX collection phone calls from Specialized Loan Servicing since this problem began.

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 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. 
I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.

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 2017-04-27
Company: Experian Information Solutions Inc.
State: TX
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:
In  XXXX  I was on a  XXXX   XXXX  business credit card. Payments ceased to be made on the account in the summer of  XXXX . The account was charged off and sent to  XXXX   XXXX . The debt was time barred from collection in  XXXX  against me under TX statue of limitations. This does not stop  XXXX    XXXX   from reporting to my Experian credit report that the account is past due, COLLECTIBLE, and assigned to an attorney/collection agency to collect!     This is not the first complaint about this account but there is NEW INFORMATION TO REVIEW!

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 2018-11-30
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our servicer, Seterus is the worst! For several years we have been going back and forth relative to impound issues. Finally, after an NOD we submitted to their tactics and did a loan modification ( while still disputing that there is any negative impounds. I've paid the taxes and insurance personally forever, even when we fell into financial difficulties and got behind on the mortgage we always paid the taxes and insurance - yet Seterus kept adding on and saying that they did not get notice from the county or carrier - they paid, we paid after so many years there is a large overage somewhere and Seterus just doesn't know how to research ). Needless to say we paid on the 3 month loan modification on time - XXXX, XXXX, XX/XX/2018. We passed this and signed loan mod for good. Well, no statements ever came - instead we started getting collection calls asking for XXXX per month - I disputed this in several calls with Seterus stating that amount was very high and that we paid only {$550.00} during trial - to no avail. I even sent a payment for XX/XX/2018 in the amount of {$550.00} yet it never got applied as I never got a statement. I'm XXXX years old, have owned this house for long time and the financial confusion relative to taxes and insurance has literally killed me. They have yet to reconcile with county on the taxes and keep piling the account on. Finally in XX/XX/2018 they send first statement and of course it's asking for funds to cover XXXX on - even though I sent them a check ( probably got credited to someone else 's account ). This company is unnerving and acts more like a loan shark than servicer. They keep telling me that even though I didn't get any statements for 3 months I still should have made payments - I said which amount? your collectors amount or the amount that finally got sent to us. I'm XXXX and this is ridiculous.

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 2017-04-27
Company: CORELOGIC INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Corelogic Rental Property Solutions er roneously reported a judgment on a search. I have been trying to get in touch with them since  X/XX/2017    and have had no success. Time is of the essence. We can not purchase a co-op until this is removed. I need them to update their and issue a letter ASAP. See attached info.

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 2017-04-27
Company: Seterus, Inc.
State: IA
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:
Seterus has manipulated my payments. During the last 12 months, instead of  XXXX  entries to my amortization schedule, Seterus proudly presented me with a  XXXX  page report with  XXXX  entries to my account. Criminals do this to launder money. They just need to adjust to the amortization schedule, go back to the principle and interest on the original loan, and report to the credit agencies my prompt payments This problem started when they failed to pay my real estate taxes, paid the balance twice which put me in a contrived deficit. The misappropriate escrow funds, misapplying my payments. These people are unable to process payments and should not be allowed to do so. If legal ethics were applied, they would be considered out of trust and be banned from practicing law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving repeat calls, including early calls for the las t two m onths. In  XXXX  when I graduated school, I spoke with a Navient representative who told me that I would have a grace period of six months before my payments kicked back in. I was making smaller payments of {$200.00} while still in school. Last month, in  XXXX , I checked my account and they were asking for {$860.00} per month. I called Navient and I spoke with a Navient representative who told me that I did not have a grace period. I informed him that I am currently not working full-time and making these monthly payments were hard for me right now. I told him I would pay what I could towards the month payment and I am still making those payments, just not in the full amounts. They told me that they would not stop calling me or my co-signer until the full payment was made. When I asked for repayment options or how they could help me, the representative said that there was nothing I could do about these loans because they were private and the only way to get out of paying them would be to submit proof that I am not working and that my co-signer is not working. This is not an option as my co-signer is my father and he does work full-time but this does not mean he will pay my loans. I am an independent and wish to pay these on my own, it it just that the current plan does not work for me. They are asking for {$870.00} per month when I make an income of barely {$600.00} a month. I asked the representative if they could stop calling excessively as it 's interrupting my day to day activities. Yesterday, they called me repeatedly a total of 13 times. Here is a history of these calls including the times and phone numbers.     Wednesday,  XXXX   XXXX  --  13 M issed Calls  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  : Unknown  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   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX   XXXX  :  XXXX  (  XXXX   XXXX   XXXX   XXXX   XXXX  :  XXXX  (  XXXX  )  XXXX   XXXX    XXXX   :  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: Experian Information Solutions Inc.
State: TX
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:
cra violation inaccurate information 
not mine please remove
sent po report 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 2023-03-16
Company: EQUIFAX, INC.
State: TX
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:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer may furnish an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On or about XX/XX/2022 I received a notification from XXXX XXXX that my account was closed, due to information received from Transunion stating I placed a fraud alert/identity theft on my report, which they then closed my account without confirming whether or not this was true or not. I was informed that I called them ( XXXX XXXX and stated I did not open the account, which I have my letter of congratulation confirming proof that I applied and was approved with a credit limit of {$500.00}. I then called TransUnion which confirmed that, there was not a fraud alert, nor identify theft put on my credit file. At this point XXXX XXXX closed my account. I called XXXX XXXX XXXX team and they informed that because the claim was closed, they could not re-issue my a new card. I informed that I was advise that TransUnion request them to re- pull my credit to confirm the mis-information. XXXX XXXX to do so. TransUnion refused to send them correspondence advising that it was an error. This created a negative impact on my report. This same case scenario was occurred with my XXXX XXXX which, has also closed my account. TransUnion has refused to assist me in correction the issue. I have add credit freezes to by credit report in the past, and this has never created any issues as such. TransUnion also attempted the same behavior with XXXX back and they were the only one that sent me correspondence same issue, and I caught it in time and they did not close my account. This has recreated a financial mess. I am simply requesting that my accounts be reinstated, and my credit score which dropped XXXX points be restored.

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