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: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a federal student loan through NAVIENT. I have been making payments for the last 3 years without missing a payment. I was offered a lower repayment plan 2 years into my loan which I took, because I was reassured my interest would not be raised and my total loan repayment amount would not increase. Basically a week ago I find out that after 3.5 years of payments towards my original $ XXXX student loan, the loan had decreased ONLY {$250.00} to an updated principal balance of {$25000.00}. AFTER PAYING $ XXXX TO NAVIENT OVER XXXX YEARS MY LOAN BALANCE DECREASED {$250.00}! I called/emailed them to find an explanation, and after multiple attempts to dodge the situation I got in touch with a " manager ''. She told me that she looked into the recorded phone call I had with them and that I was indeed given wrong information but there was nothing Navient could do about it because of some " rules and regulations '' document they claimed they mailed me. She said that for the majority of the time of my loan, over 3 years, XXXX % of my payments was going to interest and only XXXX % towards interest. All in all my $ XXXX student loan would take $ XXXX to pay back ( I have this in writing and over a recorded call with Navient ). I told her how unacceptable that is and she said theres nothing she can do because I signed up for the " graduated payment plan '' even though a Navient employee told me wrong information on it regarding interest/life of loan ( again, she admitted and recognized that I was told my interest would remain the same and that I would be paying the same amount over 10 years just in graduated increments- all of which was completely false ). She said she was sorry about the misrepresentation of the plan but that it was on me. 

Please call me with any questions as I want to help my situation as well as take down this corrupt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stand behind my claim. I was told although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" 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 The bureau must generally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 More over 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, thebureaumustdeletethedisputeddata.83 Furnishers have in dependent obligations under the 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 2015-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I rec 'd reports from XXXX & XXXX however when I was transferred toExperian I had XXXX alternatives to get report ( 1 ) join yearly club for {$1.00} to getget a free credit report ( 2 ) monthly for a fee & ( 3 ) free credit report plus credit score for {$19.00} the other agencies were {$9.00} for score. It is very DECEPTIVE. I could not find out how to get our FREE credit report. I havecalled all the numbers given to me which are recordings with no personal help. I also called XXXX to have copy mailed and they said they could not maila credit report at this time. What Experian is pushing is a membership inCredit Tracker for {$21.00} a month or pay {$19.00} for report & score. If there is aarea on that page to apply for the free credit report it is well hidden.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.

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 2016-10-06
Company: Experian Information Solutions Inc.
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a loan though XXXX, they sent me damage furniture and XXXX XXXX agreed to settle with me and gave me my money back and cancel the loan. I asked XXXX to remove all derogatory and negative impacts from my credit report and they did. XXXX and XXXX XXXX has removed this from my credit report but Experian refuses to remove that account after submitting several disputes.

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 2015-12-28
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have received several letters and phone calls in the past, but they were never able to verify the debt belonged to me. I recently pulled up a copy of my credit report and it still remains on my report. If there is no verification and the information that they asked in the past does n't match, then this line item from my credit report needs to be removed promptly Central Finl Control

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Experianis taking too long to clarify dispute results from accounts that have been closed but still have recent payment process, or due amounts.

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 2015-07-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
We requested a free copy of our credit report and noticed that a tax lien from 2007 was not relecting paid and released. We were able to get certified document from the State of Ohio stating that the debt was released and were instructed to send this document with a request to have the change reflected. Experian is refusing to accept the official documents and is stating that they made a correction when in fact the " updated '' copy of our credit report still states the same thing - State Tax Lien Filed and there has been no update.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I tried to get a copy of my credit report on yesterday, and was surprised at what is there that I personally do n't recognize. There are XXXX items without explanation that are not valid I am sure : Credit XXXX XXXX, Washington XXXX XXXX phone no., XXXX XXXX ; Debt recovery XXXX, XXXX merchant XXXX XXXX, NY XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Account XXXX, dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, phone XXXX XXXX XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: The Bureaus, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. They have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Navient Solutions, LLC.
State: VA
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:
Hi, My name is XXXX XXXX. I am also a father of XXXX, a husband, and a dedicated contributor in daily society. I am a XXXX worker and love impacting the lives of so many people on a daily basis. When I leave my XXXX I am forced to work a part time job 4 days a week at a XXXX to make ends meet for my family. I currently live in a XXXX bedroom apartment and struggle to make ends meet each month. Day in and day out my family is forced to sacrifice so much because of a decision I made to receive a private loan. The amount I pay monthly is ungodly and is enough for a mortgage on a home. I would love for XXXX day to be able to purchase a home for my wife and family, but for me this is out of the question as I will be paying student loans until I 'm XXXX. I 'm not quite sure how this will work as I get older, as I know I will be unable to maintain the amount of hours I am working now on a daily basis. I do everything I can for everyone around me, if you ask anyone I am XXXX of the most honest and hard working people you will ever meet. I am stuck in a situation I am unable to get out of and I am very disappointed. This decision has left me regretting going to college. I have never missed a payment since sustaining a full time job in 2010. I pay my college loan on time each month and I am always in good standing. Would it really hurt to assist someone in making a better life for their family. I do n't want the option of deference or increased interest rates. I want the option to lower my payment so my family and I can afford the things in life that I went to college to obtain. I look around and I am truly blessed with everything that I have in life, but my family needs more and I want to be able to provide that for them. I would love any assistance that is possible in decreasing or forgiving my loan. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have written to XXXX XXXX XXXX account XXXX multiple time requesting for validation and have not received any. 

XXXX XXXX have written to Experian multiple times concerning the lack of validation on this account. 
XXXX XXXX have asked Experian to remove the allege account from my credit file for the lack of validation from XXXX XXXX XXXX, and all I get from Experian are that they are performing research and get a repetitive automatic responses, with no validation as alleged that they verified it. This happened every time I wrote to Experian, they repeated the act of doing research which ended up nowhere. I never received any validation from Experian nor the collection agency. 

This is in violation of the FCRA. The Collector failed to validate this allegation, and Experian is not removing this negative remark from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had several mortgages with Bank of America before recession on my primary and investment properties. When the recession happened they started selling some mortgages to other companies. Things were ugly. I was not able to survive and felt behind. My properties were sold XXXX after the other. XXXX of my properties was sold in XX/XX/2015 by Bank of America which they have filed deficiency and reported to IRS. Not only I lost my house but also being reported that I ended in having {$12000.00} payment to IRS that I have hard time paying. On my only roof left on my head, that I only have a line of credit, they never worked out with me to lower my principal. I here all the time that they are forgiving many secondary loans. I am desperate. I am a single mom of XXXX adopted children that are in Medical school. I am lost everything that I had and I will be unable to support my kids schooling. I desperately need help. Thanks.

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 2021-01-12
Company: Resurgent Capital Services L.P.
State: IL
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 simply tired of this company reporting false information I have told them several times the names doesnt match nor the address Ive never applied nor lived at address they still wont remove these items

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have told this bungling clerks for [ XXXX ] years now, they continue with there self-created blunders. HOW many times do I need to repeat myself?! # SAME sloppy errors in my husbands report. This phony non-existent postal address there sloppy incompetence insists on!!! HOW did they verify something that [ never ] existed?! # Outrageous XXXX. e.g. these sloppy inaccurate blunders, are XXXX XXXX XXXX. Real XXXX here. Obvious, this is [ not ] a real postal address, NEVER MINE. emphasis added. There self created blunders [ intertwined ] with XXXX XXXX XXXX, and my husbands CLOSED XXXX, XXXX XXXX, ca XXXX also NOT MINE. There gross incompetence/willfull negligence is punitive!!! PLUS, my old XXXX cell-phone is inaccurate and cancelled, DELETE XXXX. PLUS, I do not have any shared information allowed with my husband. DELETE co-applicant XXXX. MOST incompetent blunder, I want deleted is [ XXXX ] notice statement, concerning my social security number?! XXXX I had this same_only number_ since 2011, when I established my XXXX. OBVIOUSLY upgraded by the social security office XXXX months ago. IMAGINE THAT?! # There arbitrary self created blunders are enraging. WHAT is the formal complaint process?! # These incompetent humans/employees are incapable of safeguarding personal and accurate information. I believe there sloppy credit score ratings, are based on [ how ] many complaints you file on them!!!! Reason, california is complacent with experians blunders, and being the largest. I never had any problems with XXXX or XXXX using simple common sense with my social security number, sloppy, inaccurate blunders. WHAT is the formal complaint/lawsuit process?! #

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Pursuant to the Fair Credit Reporting Act, Experian is required to report accurate information on an individual 's credit report. Please be advised that I request you remove the following false information from my new credit report ( Credit Report No. : XXXX ) listed on Page XXXX : Telephone numbers ( XXXX ) XXXX XXXX ALSO refer to CFPB Complaint No. : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This debt was with XXXX I had XX/XX/XXXX. I became XXXX and lost my job so I could no longer pay this account. My bill was {$300.00}. I pulled my credit report because I want to try and fix what I can. I saw this account was sold to XXXX and now they reported that I opened this account XX/XX/XXXX which is false and that I owe them {$540.00}. It also resets the clock on this old debt and will stay on my credit report for another 7 years. This is wrong and affects me terribly.

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 2016-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Applied for loan/did not receive money

Complaint:
Bank of America suspended my wife and I use of my home equity line of credit effective XXXX XXXX, XXXX. I received this notice through the mail on XXXX XXXX. BOA said this suspension was based upon the decreased equity available in my home. I called up BOA and said they have never been to my home and this was based upon a formula. I asked for the formula and was declined this information. I live in XXXX XXXX Maryland where the home values have increased and not decreased since the home equity loan I took out in XXXX XXXX, XXXX. Since then I have made substantial improvements on my home. Since opening the home equity loan both my wife and my credit scores have also increased, although this was not in contention. I also paid a significant portion of my load down in the pst few months. It is my contention that they are doing this without due process., without due diligence and are artificially devaluing my home without the correct information needed. In the same XXXX XXXX notice, they make it incumbent upon me and my wife to bear the burden of proof that my home value has not decrease and request a reinstatement. This is insulting and just plain wrong. I believe I have suffered injury as my family 's credit has been significantly altered by this outrageous, unthoughtful decision. This is also a defacto breech of the Deed of Trust that BOA agreed to ( see page XXXX - Assignment of Miscellaneous Proceeds : Forfeiture. ) as BOA has failed to prove loss in value of my property and requires me to.

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 2016-12-28
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
AVOID QUICKEN LOAN. 
Working with Quicken on a VA refinance loan was a terrible experience for me. I initially contacted them on or about XXXX XXXX. On XXXX XXXX I sent them a letter, at their request, explaining my intentions. Based on the letter and my proof of service, they informed me that I was eligible. I proceeded, at their direction, with the actions required by the XXXXappraisal, the pest inspection, well water test & treatment. All together about {$1000.00} out of my pocket. On XXXX XXXX, after I had done everything they asked & after Quicken had received all the necessary documents to close, they informed me that I was ineligible for the loan. Long story short, they agreed to refund the cost of the appraisal only. Meaning I wasted {$600.00} to accomplish what they told me to accomplish. AVOID QUICKEN LOAN.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
In 2013 I defaulted on a credit card debt. This debt was subsequently charged off and reported to the IRS as bad debt. Chase is still reflecting and trying to collect the full amount of the debt XXXX {$2200.00} XXXX. I want to pay this debt as I am in a better place financially. I ca n't possibly be expected to pay the bad debt and the taxes. Either cancel the debt and reflect it as a zero balance charge off and I pay the taxable income, or I will pay the bad debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Experian Information Solutions 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:
In 2009 my wallet was stolen and I have been a victim of identity theft ever since. This person is always able to open accounts in my name. And now that I am actually trying to use my credit I am unable to achieve anything because of all the negative accounts on my report. I have disputed with three credit bureaus as well as the creditors involved.

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