davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC. (FL)

I had a private student loan that was charged off around XXXX. The original owner of the loan was XXXX XXXX XXXX South Dakota, XXXX, and the loan was taken out in XXXX. Section M ( 8 ) of the loan documents state that the loan is not dischargeable in bankruptcy during the first 7 years of repayment. In XXXX I filed bankruptcy and this loan was listed as a debt. My bankruptcy was XXXX on XXXX/XXXX/XXXX. Soon after my discharge, Navient began to report this account as a charge off on my credit report. I sent a letter explaining that the debt was XXXX in bankruptcy. Navient responded that the debt is not dischargeable under bankruptcy, however, their letter referenced loan # XXXX which is a federal student loan account that I have with them. This private student loan is reporting as loan # XXXX. Navient has also changed the charge off date on the credit reports from XXXX XXXX to XXXX XXXX. I know that the debt was originally charged off around XXXX or perhaps earlier. I again wrote Navient, asking for proof that they own the debt as well as a complete payment/account history of the loan. To date, their only response has been a letter instructing me to call in. I have tried calling in to request these documents on several occasions to no avail. I am constantly put on hold and then no one returns to the phone. Based on a recent statement from Navient, they are now including the charged off amount in my current balance, bringing it to {$48.00}, XXXX, while still reporting the charged off debt with a balance of {$12000.00}, which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC (CA)

This was account has already been disputed with XXXX XXXX XXXX XXXX once before, and they refuse to correct their records. XXXX XXXX XXXX XXXX is alleging that I had an account with XXXX XXXX & that it became delinquent on XX/XX/2016. That is factually incorrect. XXXX XXXX is " re-aging '' this account to show that its more recent than it actually is, which allows them to continue to report it. I have asked them to provide proof that this account was indeed delinquent on the dates they claim.. I have asked them to return a copy of the final XXXX XXXX billing statement, and they refuse to do so. The negative mark is showing up on several credit bureau 's reports as well as with XXXX XXXX. I have perfect credit except for this negative mark and I want the CFPB to cite XXXX XXXX XXXX XXXX for their illegal practices and behaviors. This is a clear violation of the Fair Credit Reporting Act & /or Fair Debt Practices Act.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.The account listed are not transactions done by myself.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

To Whom It May Concern, I am writing to request assistance with a matter concerning my credit report with Experian. I have discovered an erroneous collection item listed on my credit report that I believe was added in error, and I would like to request that it be removed immediately. 

The collection item details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX ( partial ) Address : XXXX XXXX XXXX, XXXX, VA XXXX Reported Amount : {$8600.00} I have attached copies of the pertinent pages from my Experian credit report for your reference. I believe this collection item is a mistake, and I am requesting that it be removed from my credit report immediately. I have already attempted to resolve this matter with Experian and XXXX XXXX XXXX directly but have been unsuccessful in having it removed. 

I kindly request your assistance in this matter and ask that you investigate this collection item and facilitate its removal from my Experian credit report. I understand that the CFPB plays an essential role in helping consumers like me protect their rights and ensure the proper conduct of credit reporting agencies. 

Please confirm in writing once the collection item has been removed from my credit report, or if you require any further information or documentation from me to facilitate this process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXXXXXX Date Opened : {$360.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (OH)

Formal Complaint Improper Debt Verification and Illegal Reporting Dear CFPB Representative, I am writing to submit a formal complaint against Credit Collection Service for improperly reporting a debt on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). This company has failed to contact me or provide any proper validation of the alleged debt, as required by federal law. 

I do not believe that this debt is valid, nor have I had any prior dealings with Credit Collection Services. Furthermore, I suspect that this company illegally obtained my personal information and improperly used it to report inaccurate information to the credit bureaus. 

Under the FCRA, companies reporting debts must take the following steps : Provide written notice of the debt within five days of first contact.

Offer me the opportunity to dispute the debt and request validation within 30 days.

Upon dispute, supply proper documentation that validates the debt, including any original agreements or contracts with my signature.

Credit Collection Services has failed to follow these legal requirements. They did not notify me, provide any form of communication, or supply proper documentation verifying this debt. Reporting unverified information is not only unethical but also illegal under the FCRA. 

I am demanding that XXXX XXXX XXXX remove this unverified and inaccurate debt from my credit report immediately. If this issue is not resolved within 14 days of receiving this letter, I will have no choice but to pursue legal action against the company for violations of my consumer rights. 

I request that the CFPB investigate this matter promptly to ensure compliance and protect my credit profile from further harm. I also ask that written confirmation be provided once this debt is removed. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. (VA)

On XX/XX/XXXX, over 2 weeks ago, XXXX XXXX XXXX, d/b/a " Coinbase '' XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, made two purchases from me and agreed to wire the purchase prices of {$15000.00} and XXXX ( total of {$41000.00} ) to my bank, XXXX XXXX XXXX XXXX, to my checking account. I have paper documentation on this. 

As of today, XX/XX/XXXX, XXXX XXXX has failed to make payment. XXXX XXXX is in the unlawful possession of over {$40000.00} of my money. XXXX XXXX engaged in " fraud in the enticement, '' indicating his willingness to engage in a fair sale with no actual intention of paying for the merchandise, nor the ability to do so. 

Far from denying the allegations, XXXX XXXX admits to it on the " Coinbase Support '' XXXX feed, dated XX/XX/XXXX, XXXX, Where he says, quote, " We are processing a backlog of outgoing wires from XX/XX/XXXX''.
Consumer complaint received 2018-01-08
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 — Problem with personal statement of dispute
Company: NCB Management Services Inc. (FL)

on XXXX/XXXX/XXXX I filed a complaint on XXXX XXXX XXXX on NCB Management Services Inc in regards to them not being license in the state of florida to collect and they responded insisted that they are license in the state of florida, I rejected their respond and wrote back telling them that they are NOT license in the state of florida to collect and they responded back on XXXX/XXXX/XXXX insisting that they are license in the state Florida On Florida Ofiice of Financial Regulation website, XXXX XXXX is only license in the state of PA, License # XXXX. 

I have attached response that I receive from NCB Management from my complaint on BBB and I have also attached Proof showing that NCB is not license to collect in the state of Florida.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helpingme due to XXXXXXXX XXXX XXXX XXXX XXXX which falls under XXXX XXXX according to XXXX XXXXDebt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). Ikindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit ReportingAct. I am a victim of XXXX XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. Please delete thefollowing accounts. XXXX XXXX bal. {$3400.00}, XXXX XXXX. {$6300.00}, XXXX XXXX. {$11000.00}, XXXX  XXXX bal. {$5200.00}, XXXX  XXXX bal. {$2400.00}, XXXX bal. {$3900.00}, XXXX XXXX bal. {$3900.00}
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I have ask XXXX to provide documentation to me several times validating this student loan debt and by validating these debts I actually wan na see who signed the loans if there is even a signature. 

I feel these loans where opened fraudauluantly until otherwise proven by signature that these loans belong to me. For some reason XXXX has not and wont provide this information to me, when I so called have rights to these loans. 

I will ask once again for XXXX to provide this information to me
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NC)

Good evening-I signed up with Care Credit in XX/XX/. I have made my regular payments monthly and my balance is increasing as opposed to decreasing. 

I would like for someone to check out the details of my account to see if I am being wrongfully charged fee/interest.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I opened XXXX XXXX loan account in XX/XX/XXXX. I went ahead and set up autopayment. Everything worked great before XX/XX/XXXX, when I decided to check my XXXX credit report and noticed that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) reported late payment to credit bureaus. I was shocked, as auto payment was still set up and there was more than enough money on my checking account for XXXX XXXX to charge me. I have never been notified by them about the missed payment and I had no chance to retry my payment. I called them, asked explanation, why they have not notified me about it and why their autopayment failed? It was not my mistake, as there was enough money on my checking and they succeeded to charge me before. Why they were not able to do it in XX/XX/XXXX. Also, I know that before reporting you late, they should give you a notice. I have not received email, mail or phone call. They gave me no reasonable explanation but declined to remove late payment from my account. 
I hope CFPB will help me. These credit companies do what they want and don't care about customers! Secured loan partial account numbers are XXXX opened XX/XX/XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TN)

I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXX and XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I recently rereceived a copy of my Equifax credit report, and I noticed a late payment posted on my credit report : Both account XXXX for the month of XXXX XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MA)

During covid I did a home loan modification with XXXX XXXX XXXXXXXX. They then sold the mortgage to Fay Servicing who increased my loan payments by over $ XXXX. Their explanation was there was no escrow funds given to them from XXXX XXXX  XXXX. It's been over a year which would have reimbursed them quarterly taxes and insurance and escrow more than enough to return my monthly payment to agreed upon amount. When I spoke with Fay Servicing, after a prolonged hold, they said they'll need XXXX hours to complete an " escrow analysis '' but said I currently have {$3400.00} in escrow AFTER taxes were paid XX/XX/23 in the amount of {$2900.00}. XXXX said the next tax payment of {$2500.00} is due in XXXX which leaves over {$900.00} for insurance ( which is less than $ XXXX ) not including what will be auto-paid from now until then. Pre-collecting taxes & insurance in escrow prior to disbursement is XXXX thing, over collecting & continuing to collect above and beyond is not only deceptive mortgage practices but an extreme financial hardship to a person on XXXX.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.