davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

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.
Consumer complaint received 2015-04-30
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Argon Credit (AL)

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!
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

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.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

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
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

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}
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

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.
Consumer complaint received 2015-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

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
Consumer complaint received 2016-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AR)

Have XXXX accounts that was deleted several times and reinserted. According to the FCRA ( 611 ) if an item is deleted, consumer must be notified in writing 5 days from reinsertion. Never received anything in writing. I sent in certified letters concerning this matter, still no deletion. The creditor is XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). They are reporting on my XXXX & Experian credit report. I have proof of deletion if needed
Consumer complaint received 2016-01-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I moved out of this property XXXX 2014. I went to court in XXXX 2014 to dispute charges of {$500.00}. The judge dismissed the managements charges. After recent review of my credit report, XXXX XXXX has placed {$9000.00} charges to my credit report. After several attempts to contact them, the have recently told me the charges are now dropped to {$6000.00}. I wish to have this removed from my credit report until it is legally disputed in the local district court.
Consumer complaint received 2015-07-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CA)

I received a letter from Experian dated XXXX XXXX, 2015 stating that i needed to call them directly as they believe my dispute by mail was suspicious. After speaking to XXXX of there representatives and providing proof that they are reporting wrong personal information, they still claim to have verified my inaccurate information and will not remove it. I asked for proof of there verification and they will not provide it to me. They are also reporting inaccurate and unverifiable accounts and they will not remove them.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

I have the victim of identity theft which I discovered when my tax filing was rejected. 
This prompted an investigation into credit report and I started getting collection notices for credit card accounts that I could not verify. I send a series of letters to credit bureaus requested copies of the original signature documents showing the account was actually verified as mine but they simple responded that accounts had been verified as mine but never responded to my request for copies of the actual document that showed my signature verifying the account or even the name of the person who verified the information. I recently sold my house and now an unable to buy a new home because of the invalid account that still shows in dispute on the credit bureau.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I am filing this complaint because EXPERIAN has ignored my request to provid me with the documents that their company has on file that used to verify the accounts I disputed.Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... .promptly delete all information which can not be verified. '' that I have disputed.Please resolve this matter as soon as possible. Thank you
Consumer complaint received 2016-03-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I tried to dispute this, it just appeared on my credit report, it is n't mine I 've never had suddenlink. They say they 've already disputed it. They 're lying. It just appeared in 2016, I 've never, ever had suddenlink services, I 've never ever disputed this before because it 's never been in my credit reports before, and I can prove it. If they do n't remove it immediately I 'm going to sue them.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (AZ)

On XXXX XXXX I mailed Equifax a dispute for XXXX XXXX XXXX. The dispute was received on XXXX XXXX and I still have not received results on the investigation. I have attached the certified mail and return receipt. I have also attached the initial dispute letter with identifying documents.
Consumer complaint received 2016-01-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error.There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are " verified '' when I know that they are not. Not only that, but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681, 609 and 61a5Ai.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

Equifax fails to remove the XXXX XXXX XXXX XXXX. account. Equifax reports incorrectly the date of first delinquency for removal. Equifax reports incorrectly that this account is scheduled to continue on my report past the statutory limits of the other major CRA 's even though I received a XXXX from XXXX XXXX XXXX XXXX. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

# 1 XXXX XXXX finance I have paid this for almost 5 years they refuse to show my payments says balance? and paying as agreed. 
# 2 XXXX bank this account is a XXXX balance it should reflect that # 3 XXXX bank this account is a XXXX balance it should reflect thatNj Federal court says under investigation and has for over a year correct me if I 'm wrong but if they can not verify an account under the fair credit reporting act do n't they have to remove
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NY)

I am submitting this complaint on behalf of the aggravation I have been going through with the XXXX credit reporting agencies. I had XXXX accounts opened up fraudulantly in my name. XXXX and XXXX. I finally received confirmation today with XXXX that it was founded that the XXXX XXXX acct and XXXX were fraudulant and removed from my report. However I just spent over an hour on the phone with equifax explaining to them that these accounts are fraudulant and I want to re-dispute them again for the 8th time. All I got was the run around and told that they are waiting to hear back from the company. I have disputed this for over 3 months now and if XXXX responded to XXXX it was indeed fraudulant and to be removed from my report then XXXX and equifax should have received the same notification. I got nowhere on the phone today this is very fustrating as it affecting me in obtaining credit and affecting my credit score.
Consumer complaint received 2017-02-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: One Technologies, LP (CA)

Complaint against One Technologies dba XXXX. 
Precedent : XXXX, XXXX XXXX, the XXXX and the FTC prevailed against XXXX for {$22.00} XXXX. [ Ref Tab # XXXX ] -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Beginning in XXXX 2014, XXXX debited my XXXX Card for {$29.00} per month for 33 months [ {$980.00} ] until I discovered the fraud and contacted them to cancel. I contacted them and requested a refund of of {$980.00}. They responded with two topics : 1 ] They refused all refundsXXXX [ Ref : Tab XXXX ] 2 ) They understated the total amount they took by {$470.00} representing a shortfall of 16 months, from XXXX XXXX to XXXX XXXX. [ Ref : Tab XXXX for Totals & Tab XXXX for Credit Card Monthly Statements [ Yellow Highlight ] 3 ] I am requesting the CFPB to collect the total amount taken from my account. [ {$980.00} ] This binder is the only method I had to provide all the documentation, credit card statements, etc.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AL)

I have a company called XXXX XXXX XXXX XXXX that has a debt listed on all XXXX of my credit files without providing proper debt validation as requested. I even went through the XXXX for assistance ( see explanations attached ). I find this very unfair for the credit bureaus to list this debt even after I disputed it over and over. I am seeking help from your company now to help me get debt validation.
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I uncovered a BUG ( software error ) in the way Equifax reports the results of a credit inquiry. In my case it was credit inquiry by the XXXX for a student loan. 
The BUG resulted in reporting WRONG information and as a result, my loan request was declined. 
The facts of the matter in this complaint were verified by conversations with both sides ( Equifax and the XXXX ). 
Details : When an account is overdue, credit report states it in terms of days ( XXXX, XXXX, etc ). this is in their systems and in the consumer report. 
HOWEVER, they automated system sends a summary in a DIFFERENT FORMAT, which is " no more than X months overdue ''. 
In my case, my credit report says XXXX90 days late ( this is correct ), but the XXXX gets " No more than 3 months overdue ''. 
that leaves the possibility that the account is 3 months overdue, so the XXXX system raises a " 90 day delinquency '' flag and the loan is declined on this grounds and generate a decline letter saying " specific reason ( s ) is ( are ) : Presently XXXX or more days delinquent ''. 

Please see attached the decline letter from DoE. I provided my Equifax case # above. 

While Equifax manager by the name of XXXX understood the issue and agreed to send a clarification mail to XXXX with my credit report, he says his system does n't allow him to contract the requester XXXX electronically, only by XXXX mail and this could take up to 30 days ( of course to provide the wrong information it took equifax less then XXXX minute, which was the time it took to XXXX to decline my loan ). 

I contacted the CFPB because this is a systemic issue and I 'm sure many other consumers fell for the same bug Thx for
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (DC)

I have made several attempts over the years to have these credit card accounts removed from my credit since it each have been more than ( 8 ) years. During XXXX call the customer service representative was so rude when I only was trying to have him answer some questions. He seemed just so irritated that we never got to a resolution. Mainly I was trying to clear my name with XXXX XXXX Bank who continued to send me bills and financial statements for a credit card I never Got or Used or even Seen before but the XXXX XXXX Bank has been able to keep this incorrect information on my report like the other credit card companies!! These outdated information is continuing to make it hard for me to have normal various rates such as others may have and to make better for my living and employment.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

Back in XX/XX/XXXX a claim showed only on Equifax. I contacted Equifax, got the phone number and contacted the collection agency. They could not find my account. This was disputed with both Equifax and XXXX Outcomes via XXXX Certified Mail XX/XX/2016. Response in writing was requested and there was no response. XXXX responded to Equifax ( according to Equifax ), but did not contact me nor send me the information requested under my rights by the XXXX XXXX. I simply requested name and address of original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. Any fees added by the agency under XXXX ( a ) ( XXXX ). Texas XXXX bond information as required by XXXX. I received no response and have not received any response since XX/XX/2016. I filed a second dispute with Equifax and Equifax again said, " XXXX said it 's yours ''. I am filing a complaint with you and I will be writing a formal letter to Equifax requesting the letter be presented to any creditor reviewing my report. I still to this day ( XX/XX/2016 ) have not received anything from XXXX. This is not my account and furthermore they refuse to send me any information proving it is my account. Because they do n't have it. This is on my credit report and needs to be removed.