BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX, I consolidated subsidized student loan into a XXXX consolidation loan with Sallie Mae, now doing business as Navient. During the time of the consolidation, I was not advised that if I consolidate a XXXX loan, I would lose all the benefits of a subsidized loan program provided by the government. 

I later found out that given that the XXXX loan at the time was approximately $ XXXX and the reminder of the loan was approximately $ XXXX, it would benefit me to remove the XXXX loan. The servicer refused my requests, to cancel the loan consolidation. 

In XXXX, I became a single parent and began to suffer financial hardship. Since I was parent with a XXXX XXXX XXXX and could barely make it, I was hoping furthering my education would help me to secure a better job and improve my financial situation. I went back to school under the school deferment, during that time Sallie Mae ( Navient ) lead me that the interest would not capitalize. After my graduation, to my shock, the servicer had capitalized approximately $ XXXX in interest. What is even more shocking is during that time Sallie Mae ( Navient ) never sent me a notice, showing how much I owed until after graduation. Imagine my shock after learning $ XXXX had almost doubled. I formerly disputed this issue and sent letter to XXXX for assistance, but the matter was not resolved. Again, the servicer deceived me. 

During the life of this loan Sallie Mae ( Navient ), instead of informing me of the XXXX program they, suggested forbearance until I max out my forbearance time. 

Now, over 25 years, I have made payment under the XXXX programs. Today my daughter has graduated college and I am still burden with this debt that has more than tripled ( a loan of $ XXXX is now $ XXXX ). 

The servicer also told me that after 25 years my student loan balance would be forgiven. I called a few weeks ago when I heard about the student loan debt relief program, and the servicer told me that my loan should be forgiven. When I called back a week later inquiring about the forms to be submitted for forgiveness, I was told by another agent that they could not be forgiven. All my research indicates that my loan is eligible for forgiveness after 25 years. 

On XX/XX/XXXX, I uploaded a letter to Navient requesting student loan forgiveness or the reasons for refusal. That letter was removed from my history of submitted forms. I have since forward this request in writing to the servicer. 

Please assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm kindly requesting that someone please investigate Experian. This is my second letter to them and I 'm getting no results. There has been a bank error and I have attached proof to show. Furthermore, I do not believe that XXXX using their XXXX system conducted a proper investigation. 

Please see attached documents relating to the complaint

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 2021-04-05
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 accounts with Synchrony Bank. One is a XXXX mastercard, the other is pay pal credit.. both accounts were payed off.. checks written on XXXX and cashed and returned by Synchrony bank on XXXX. They advised they have not recieved any payments. I have called them numerous times.. I have asked to speak to a supervisor. I was on hold 2 times.. once for 40 min the other for 30 min without speaking to anyone. They continue to call me 3 times or more a day for payment and I keep explaining time and time again and nothing gets done. I have filed a dispute with them on-line and via US mail to no avail. Please help. I have copies of the returned checks indicating they were processed. The mastercard account ends in XXXX and the paypal credit ends in 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 monetary relief
Consumer complaint received 2015-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - Account # XXXXPlease delete the above information as quickly as possible. 
With Attached proof you can see that XXXX XXXX has:1. Changed the account number from the number that is listed on my credit report2. XXXX XXXX is trying to verify an address I never lived XXXX. XXXX XXXX has failed to verify that the account was mine as stated in letter4. XXXX XXXX has no record of application5. XXXX XXXX has failed to remove account after reported identity fraud with fraud reort attached as evidence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: Argon Credit
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I applied and was preapproved. Sent all my documents got a response I would have an amount and final approval within XXXX hours. XXXX days later I received an email saying I was approved for {$10000.00} and they forwarded me the loan documents to sign. I signed the loan agreement and called the next morning asking when the loan would fund. I was told it would fund that night which was wensday night. I then received an email that I was declined. No explanation. I thought this was a mistake so I called and spoke to a supervisor and he said when the loan was ready to fund the software kicked it out. I could apply in a few months. He then asked me how much money I make, I told him I am paid weekly and monthly. At that point I figured not all of my correct income was entered, because I make exactly what I stated and faxed in. I think the issue was they entered my weekly pay but my monthly is XXXX as much. I called back to speek to someone and was suppose to get a returned call and once again no call. I emailed again once again no reply- I feel like if you tell someone XXXX hours and take a week - then tell them they are approved- then have them sign the loan agreement- then tell them they will find that night. Then you simply send them and email saying you went from approved to declined when nothing changed and everything was accurate. They deserve atleast a returned phone call after they wasted XXXX days waiting and doing everything that was asked. Most importantly I do n't feel like a business should ignore there customers! I am wondering if it is a legitimate company or not now that they have all of my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Despite multiple requests, via phone, mail, and online dispute, wherein I have reported that a particular item on my report ( XXXX XXXX Bank Acct. # XXXX ) is not mine, Experian has neglected, failed and refused to remove and delete this item or respond to my request for re-investigation pursuant to FACTA and FCRA. Rather, the report merely idicates the item has been " updated, '' meaning that the item " was verified as belonging to [ me ]. '' I continue to dispute this " update '' ( and want to learn more about how they purportedly carried out their alleged investigation and " verification '' ).

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 2015-08-05
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX have posted XXXX delinquent account on my credit that does not belong to me, the account belongs to my wife and she already paid it off, she just issued a card for me under her account so why they issued that on my credit,,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have called about an account that has not been updated to my file. My wife has put me on her credit card as an authorized user 2 months ago and Experian is the only agency that has not updated my file with her credit card. I called into Experian and the representative advised me to call XXXX XXXX XXXX in which I did so I called XXXX XXXX XXXX and they have reported it to all 3 credit reporting agencies but Experian still has not updated my file and it has been 2 months.

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 2016-04-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian reporting inaccurate information on my credit file. 
XXXX XXXX XXXX has been paid and closed since XXXX XXXX, XXXX. I have filed multiple disputes on this account and each time I file a dispute they update with more inaccurate dates and information. Experian is reporting that this account is just now paid for on XXXX XXXX, XXXX. This is creating negative marks on my credit file.

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 2016-03-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
I continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.

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 2017-01-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XX/XX/XXXX I owed a balance to XXXX Bank in the amount of {$790.00}. I paid the balance TWICE by accident. Once by ACH and one with my debit card with XXXX Bank. XXXX Bank sent notification to XXXX Bank and I was issued a refund check in the amount of {$790.00} dated XX/XX/XXXX. My account now has a XXXX balance. I called XXXX Bank to inquire about the status of my account and they said they would report the XXXX Balance XX/XX/XXXX as that is when my account status is reported and that my account was closed because it had been 60 days late in XXXX and XXXX, but not in XXXX as they are reporting! 
I reported the error to Experian and report # XXXX was sent to me with the notation " updated '' on my credit report. I received this information by mail on XX/XX/XXXX. 
I logged into my Experian Credit Report on XX/XX/XXXX and Credit One is now reporting that I owe more than the original amount of {$790.00} and my report now says I owe {$800.00}. I called Credit One Bank and they told me they charged a fee on my closed account but could not say what it was for. As I was holding to speak to a supervisor again, they logged me out of the online account. I was able to get a snapshot of my online account with XXXX Bank of which I have attached. It clearly shows a ZERO balance. 
My Credit Report should say PAID with a XXXX balance. I know its closed and that is fine. 
All documentation is attached. 

Thank you. 

XXXX XXXX, Ca. XXXX ( 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 2016-03-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
in XXXX this company appears on my credit report I asked them to send me one prueva of this debt now in XXXX this company appears on my credit report with a charge of {$500.00} aks that information of this debt i never received approved of this derbt never contac me and no results only it comes out that this update this account so therefore I want this debt is removed

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 2015-05-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX XXXX is still reporting it on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have the same account on my credit report XXXX times, XXXX are regular account the other was just added as a public record yesterday but shows a date of XX/XX/XXXX. This information is wrong this is one account which should be paid in full. 
XXXX Other XX/XX/XXXX Closed 1 Missed Payment {$1400.00} The public record listed below Reference Number XXXX Court Date Status Amount {$1400.00} Classification Type legalitems XXXX Other XX/XX/XXXX Closed {$XXXX} This account below is fraud. 
XXXX Other XX/XX/XXXX Closed {$4100.00} The two accounts below is not mines. 
XXXX Auto XX/XX/XXXX Open - Collection/Charge-Off {$3000.00} XXXX Credit Card XX/XX/XXXX Closed {$1000.00}

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 2015-04-08
Company: BB&T CORPORATION
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I XXXX XXXX of XXXX XXXX XXXX XXXX recently purchased a XX/XX/XXXX XXXX sel and took out a used car loanmy previous car loan was through XXXX bank of massachusetts for {$280.00} per monthand I was never informed previously that my loan was sold to branch banking and trust company XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX texas XXXX never received a phone call or letter from XXXX Bank telling me my auto loan was soldmy new loan payments start as of XX/XX/XXXX with XXXX Bank XXXX XXXX Ma. the payments will be {$360.00} per month and I am on a fixed income from social security and XXXX I only receive {$1500.00} per month and I can pay the new loan but I ca n't pay the other loan payment.I would like this resolved as soon as possible before my new payments startI think this is a scam or fraud and it should be investigated by the consumer protection agencyI will not be scamed or have my assets be taken from meRegardsXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have summit correct documents to experian showing accounts with XXXX had been taken care of and letters confirming this from XXXX. They refuse to correct this and keep reporting charge off and late. I have asked for a complete audit and details they have gathered in order to keep reporting false information. I have had no problems with XXXX or XXXX they have corrected all issued but experian refused to correct any incorrect information.

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 2016-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My name is XXXX and I am writing you about a bankruptcy listed on my Experian credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the United States Bankruptcy Court Northern District of Illinois, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, the bureau must delete the disputed data.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''

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 2015-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently submitted disputed a credit reporting for a credit card that has been filed and dismissed in a bankruptcy filed by my mother. I was the joint account holder.on my experian credit report it shows this on equips and transom that are showing them as charged off not.listing the bankruptcy which has a baring on my score

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The " Experian '' report was not available at the time, so it was skipped. It will not allow me to return and review this particular report. This is the report most creditors we would like to use obtain their credit reports.

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 2015-10-06
Company: Experian Information Solutions Inc.
State: GU
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I had cell phone service through XXXX, I had to cancel my contract early due to military XXXX that were taking me XXXX. I called on numerous occassions to get the account cancelled out and then about 6 months later I got an alert on my credit report saying that XXXX XXXX XXXX had sent my account to collections for an unpaid bill. After numerous conversations back in XXXX of 2015 they finally got everything squared away and found out they actually owed me a refund. So they sent me a mail in the check and said that they would take care of the collection agency. Well now it is XXXX 2015 and now a different collection agency is reporting that I owe XXXX money so I contacted XXXX XXXX XXXX and they stated my account is closed out and paid so they are not sure why they are reporting me for collections. Attached is an email from XXXX stated that I was being refunded and the other attachment is the collection agency XXXX XXXX XXXX, which is the account linked to the XXXX account in question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief