davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I signed up with   XXXX   XXXX    XXXX / XXXX /  XXXX   in doing so I saw a bankruptcy on my credit so I wrote a letter to the creditor who had reported this items according to the credit report it was :  XXXX  FEDERALCOURT - it was dated for  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX  About a week later My inquiry to the  U. S. Bankruptcy Courts  confirmed   XXXX   XXXX   XXXX   has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by  XXXX   XXXX  sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

XXXX   XXXX ,  XXXX  CFPB : Experian Report  XXXX , dated  XXXX   XXXX ,  XXXX , fails to list my full-time employment,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , since  XXXX , with the State of Illinois, my part-time employment,  XXXX  with the  XXXX   XXXX   XXXX ,  XXXX  with the  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Illinois, since  XXXX , with  XXXX   XXXX , Illinois, and does does not provide the Source Documents for the Erroneous Information that I have had a SSN that ended in  XXXX  and that I had an address of  XXXX   XXXX   XXXX ,  XXXX , Illinois. I want my   XXXX   employments added. I want true copies of the  Source Docum ents for the Erroneous SSN and Erroneous Address. I received checks from the National Mortgage Settlemen t ( NMS ) an d the Independent Foreclosure  Review ( IFR )  because  XXXX  made errors in servicing my ARM Loan  XXXX . Those errors, particularly overcharging m e LIBOR, forced  me to file for Bankruptcy. As the Bankruptcy was not due to any personal misconduct or negligence of mine, I want the Bankruptcy reference permanently deleted.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX
Consumer complaint received 2017-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This is the SECOND complaint I am filing with the CFPB, and third written request, as Portfolio Recovery has not sent me proof of my obligation of this alleged debt as requested, and continues to report this trade line to the three major credit bureaus. This is creating major issues for me, as this is causing high interest rates, application rejections and a lowered credit score. I disputed these two accounts on XX/XX/XXXX of this year through XXXX, XXXX and XXXX to no avail. To date, Portfolio Recovery has continued to ignore my requests for validation and ignore my consumer rights. I believe that this account does not belong to me. I requested documents from their files used to verify this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. All unverified accounts must be promptly deleted. I received a letter stating that the account was " verified. '' Who verified these accounts? What documents did they use to verify? Where are these documents used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. Portfolio Recovery stated in their response that they have verified that the items listed are accurate but has failed to send me copies of relevant documents that they used to verify these accounts as per my request that tie me to this account. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they cant and did not verify any of the disputed accounts like they said they did. Portfolio Recovery 's failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. This company is in violation for continuing to verify the accounts with the credit bureaus without providing the evidence as requested. I believe that Portfolio Recovery can not tie me to this account, otherwise, it would have been provided with my initial request. Portfolio Recovery is blatantly disregarding the law and consumer rights.
Consumer complaint received 2017-05-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (OH)

I have been the victim of friendly identity theft recently. Paypal and my bank say they are not on the hook for the money. the money way taken from   XX/XX/XXXX   to   XX/XX/XXXX .   <P/> my bank refunded me {$3000.00}  USD for the first 60 days of transactions. they also Refunded {$19000.00} USD w hich was fraudulently used on my credit card. the problem is i still have {$35000.00} missing from   XX/XX/XXXX   till   XX/XX/XXXX .   <P/> I was wondering if this money was stolen out of my business checking account is there any insurance on it?
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have called Transunion on numerous occasions and did several online Disputes to have the following address removed off my credit report. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX I do not understand how this address got onto my credit report i have never lived there at all. I am having even further trouble comprehending why TransUnion is so reluctant to remove clearly erroneous information off my credit report. 

This address is showing on credit report # XXXX from TransUnion. 
The other XXXX bureaus XXXX and XXXX do not have this address and all my other personal information is being reported correct!!
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (TX)

The amount of the loan quite large and the interests alone is too large for us to even make a dent on the actual lone itself. I dont know if the actual amount of the loan is even true to what i should be paying. I think that the school is charging more than i was told when signed up with the school.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I am a co-signer on my daughter 's student loans. The private loans, totaling about {$18000.00}, are still with Navient. She refinanced the federal ones to lower her payment, but her private ones are still with Navient. She has trouble paying. I 've helped when I can, but I can afford them either. When she gets behind, they start calling, up to a dozen times a day. At one point, I wrote them a letter and asked them to stop harassing us but it 's started back up. I have also received letters from them and toward the end of the letter, it says, " If you 're having trouble making your monthly payments, please call us so we can assist you at XXXX to help you XXXX XXXX., and XXXX XXXX., ET. Sincerely ... '' She has written emails and tried to contact by phone, so have I. They are very hard to get through to. When she finally actually gets through to someone, they say they ca n't help. And the balance never goes down. She graduated in XX/XX/2008 so has been making payments for over eight years. 
The worst part is that she got a horrible education at XXXX, they lied to us about a lot of things, and she 's still stuck with this loan and her degree means nothing.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX, I discovered that there were fraudulent credit inquiries on my report at Equifax corporation, lingering from a MAJOR identity theft incident XX/XX/2014. After a long search, I was able to get a telephone number ( ( XXXX XXXX XXXX ) at which I could speak to a Live Equifax customer representative. I called them XX/XX/XXXX, and the representative had told me to fax a copy of the police report, along with a statement and the last XXXX digits of my social security number, and request the dates of the fraudulent inquiries to be removed. I faxed them initially with this information around XXXX XXXX, and was told to call back in 72 hours to inquire if it was posted. I did so, and there was no record of my faxing the documents. I decided to fax them again, but I also called a second time around the time of XXXX XXXX. The XXXX representative told me I needed to provide my FULL social security number in the statement, along with a photo ID and a copy of the original police report. I faxed again from my house fax, this time I got a confirmation. In the days that followed, I got a letter stating that I needed to provide PROOF of my social security number also. This is a ridiculous and unfair way to treat a victim of identity theft. I am filing this complaint against Equifax so that the CFPB can instruct the superiors at Equifax to train the representatives in giving CORRECT information the FIRST time. Please inform Equifax to send a FINAL list of information necessary for me to send them so that this matter can be cleared up permanently. This has now taken countless hours of my time to resolve. The other XXXX reporting agencies were nowhere near as difficult to deal with as Equifax is. Thank you for your time in this matter.
Consumer complaint received 2017-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

lvnv funding has  a $  XXXX  open  collect on account  XXXX  on my   XXXX   credit report at  XXXX   XXXX  account.Open  XXXX  2015.This account was original own by  XXXX  who put it in discharge.I understood I had a right to put it in a  XXXX  with th e IRS.lvnv fu nding, did not take me to court did not get a lien on my property, just jumped on my credit, that 's not legal, my debt is paid  for.this compa ny is trying to still my account and make me pay for it again. open  XXXX /2015.when ever I ask for proof of account this company will not answer, because this company do not own this account.can I get some help from the federal trade commission
Consumer complaint received 2017-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (CO)

On  X/XX/17 , I ente red into an agreement with  Professional Finance Corporation att orneys in court to pay a debt in the amount of {$550.00} ( {$410.00} principle, {$55.00} interest and {$130.00} in court costs  ).  This agreement was approved by the presiding judge and agreement signed in court. This amount was paid in full through bank account deductions of {$100.00} eve ry two wee ks. On  XXXX   XXXX , I received a letter from the attorney that I had worked with on this stating the payment was made in full. The issue is that they did not stop taking out funds, but continued taking money out of my bank account after the full amount of {$550.00} was satisfied, and as of today they have taken a total of {$700.00} from my bank account, which is {$140.00} more than the court ordered amount, and this would appear to be illegal in nature.
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

In addition to my pending case with CFPB ( CASE NUMBER : XXXX ), Equifax deleted my ENTIRE credit profile on XXXX XXXX, 2016 after I submitted a dispute regarding inaccurate information listed in my credit profile. Equifax subsequently removed all the information from my Equifax dispute profile to cover their tracks but, I have proof the credit file was deleted along with inquiries and inaccurate information was re-inserted without notification. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my credit report and since Equifax failed to notify me they broke the law. 
Equifax violated my rights under the FCRA SECTION 611 laws. 
I have proof of the removal on XXXX XXXX, 2016 and the reinsertion from Credit Karma as well as an updated credit file Equifax provided after my initial dispute in CASE NUMBER : XXXX instead of Equifax correcting my credit file they deleted the entire profile then in-served inaccurate information that has been detrimental to my credit and has caused me to be denied credit. 
I have attached the credit file from Equifax the shows the deletion and reinsertion of inaccurate information.
Consumer complaint received 2016-08-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (IN)

I took out a loan with Big Picture Loans on XXXX/XXXX/16, and I did n't realize the full terms, conditions, and most importantly the interest rate! The interest rate on my loan is 830.8277 %! How is it legal to charge me, or anyone this much? There 's no possible way i can fulfill the terms of this loan! I 've made one payment of {$210.00} on the loan already! I filed a compliant with the XXXX, and it did no good! XXXX XXXX Loans is insisting the least they will take is {$810.00}!
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not open a XXXX XXXX. I have disputed with the XXXX bureaus at least 12 times. 
I have requested validation of all information such as original application and signature, all statements and payment history, disputes and collection letters, account terms and conditions, authorized users, etc. they have not been able to validate this information. I sent certified letter and they have 30 days to validate and can not so they must remove from my credit report and permanently delete the information. Account states that I can not be located and was sold to XXXX. XXXX sent me a letter stating they were closing the account and removing from my credit report since they have no information of the XXXX XXXX.
Consumer complaint received 2016-09-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (TX)

This may be hard to follow at first glance. I have my auto loan through US Bank. I was double charged in XXXX 2016. I immediately called US Bank and asked what they were going to do to fix it. The guy said I need to go to my bank and do a stop payment on one of the charges. I did this and stopped one and allowed the other that was supposed to go through, to go through. It went through, but a few days later US Bank reimbursed me. I did not need to be reimbursed since I already stopped the bad payment. I called back a few days later explaining this to customer service, and the guy said to me that I am all up to date and everything looks good on their end and that I should n't make another payment. So, I did n't. Now all of a sudden in XX/XX/XXXX I start getting calls that I 've been dinged for late fees since XX/XX/XXXX. What happened was, they charged me twice, I stopped one, and then they reimbursed me for the other by mistake. Then when I explained this to them they did n't allow me to make a payment correcting it, because it had n't shown up in their system yet. So, I do owe a XX/XX/XXXX payment now because of their mistake. However, I should not be responsible for the late fees they have charged, because I HAVE N'T BEEN LATE! It was their mistake. I am on autopay, so when the XX/XX/XXXX payment rolled around it kicked it back to XX/XX/XXXX, then XX/XX/XXXX back to XX/XX/XXXX and so on. I have talked with countless people in their company and none of them ever get this problem fixed. The last person I talked to told me he saw in his notes where all of this happened and that the late fees will be taken away. Last Wednesday XXXX XXXX I told him I would make an extra payment to make up for XX/XX/XXXX and then on XXXX XXXX my autopay should be back on track, but I will not pay any late fees. He said this would be the best thing to do and that it should fix the problem and I wo n't have any late fees accessed. However, I checked my bank account this morning and only one payment came out instead of both, and this payment had {$59.00} in late fees. I ca n't tell you how many hours I 've been on the phone or how many people in this company I have dealt with but it 's ridiculous. I even sent in my bank records to their dispute department showing that I paid on time in XX/XX/XXXX and they only called back once while I was at work, left a voicemail that showed they clearly did n't understand this isssue, and did n't even leave a call back number. Please help me resolve this issue with this terrible company! If this continues much longer, it will come to the point that their system will show me over 30 days and will report me to the credit agency and I have never been late! If my credit score gets dinged for their mistake I will be contacting a lawyer!
Consumer complaint received 2016-08-05
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL (MO)

XXXX XXXX XXXX ( MCM ) purchased a charged-off account of mine from Synchrony Financial. The account was opened in XXXX in XXXX, NM. I never received a letter regarding the debt or collections actions, and never had an opportunity to dispute the debt. 

In XXXX, XXXX assigned my case to a law firm who filed suit against me in XXXX XXXX, Missouri where I do not reside. In attempting to serve me with paperwork ( on XXXX XXXX, XXXX ), regarding the lawsuit, the service was returned with the message that I did not reside in the county. So far, I have not received any information about this suit, and the only way I know about is by searching my name ( after being denied an apartment rental partially because of this case ) in Missouri 's court records website. 

No action was taken after XXXX XXXX, XXXX to locate or contact me. In XXXX XXXX a notice was given ( supposedly to both parties, though I did not receive it ) that the case was scheduled to be dismissed because no action had been taken for three months. In response, the law firm suing me filed a change of venue request as a stalling tactic. To date I still have not received any mail or service regarding this collection activity.
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have disputed XXXX XXXX a number of times with XXXX XXXX Experian. None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all XXXX CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Balance transfer — 
Company: FIRST NATIONAL BANK OF OMAHA (MD)

I have a credit card with FNB Omaha, I 'm unable use a service with the card because I 'm using the card. Makes no sense to me. I have n't been late on any payments, I made a cash advance and XXXX transfer. Since that time my account has still been paid on but I 'm being told I ca n't do another balance transfer because I 've used the card more than they think I should have. I 've had the card for nine months. Got XXXX credit limit increases. I would like to be able to use my offer to transfer a balance. I have XXXX pending offers to do so.
Consumer complaint received 2016-06-21
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (CA)

I turned over my lease three months in a impeccable condition on XXXX, XXXX 2016. I got acknoledgement from dealer with odometer statement. I always paid my lease payment on time without even a single day being late for last three years. I returned car to dealer and leased another similar vehicle. The lease was with US Bank and made a call to them and understood the lease remaining four months {$850.00} to be paid. I paid to the dealer and dealer sent payment of {$1000.00} to the bank. Bank sent me a letter on XXXX/XXXX/2016 about additional money. The car was very clean and less mileage than contracted and kept the car with them for a month since I turned it over. They are still demanding additional {$200.00} to be paid. There was late payment of {$25.00} as additional where as I never missed a single payment even by one day. Its the bank that took almost two months to send me the ivoice after I turned the lease in with dealer on XXXX, XXXX 2016. This kind of untrusted and greed behaviour causing me lot of anxiety. We need some protection to make sure lease turning in should be as per process and within stipulated time. Not to wait after a month and half and sending additional extraction of money.
Consumer complaint received 2016-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.