davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This communication is a follow-up in regards to closed complaint XXXX Portfolio Recovery Associates, LLC is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 
Portfolio Recovery Associates, LLC responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Portfolio Recovery Associates, LLC, NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Portfolio Recovery Associates, LLC, LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

Experian credit bureau is decreasing my credit score for paying my bal. to zero. I spoke with several membership dept. Reps. on XXXX XXXX I was told they couldn't help me. I pay my monthly credit card on time every month now I've paid this card balance down to zero, that is active and I use every month. Now my credit score is decreased by -6 due to paying this opened and paid on time every month credit card. They told me to not pay down monthly balance to zero. Because their system is sensitive and it's thinking this account is closed. I'm like really.. make it make sense..I 'm suppose to carry a balance on this card..because your system think this acct.is closed. So, I'm being punished for paying my credit on time and paying the balance down to zero. They stated they couldn't dispute this. I'm Not having any other problems with the other two credit bureaus.
Consumer complaint received 2022-02-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc. (OK)

Credit management control {$290.00} was from XXXX at XXXX hospital my insurance at time ask for 3 different amounts for different doctors my employer paid off there credit card up front. I have receipts still and I have given to 2 other collection company when I disputed in past. They took off and put all 5 accounts back on credit under difficulty companies names. 
Then credit tanks. 
Other amounts for credit management control are {$300.00} and {$540.00}. 
They were paid by employer for same XXXX. Had to pay up front paused in full. 
And with XXXX XXXX XXXX same insurance requires co-pay had to pay before seen a doctor {$10.00} and {$13.00}. 
Paid in full at time of service.
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (IA)

I was originally a new customer with Citi Bank and only had the account opened for a few weeks and right after I got my second deposit from my job Citi Bank decided to close my account. Then went to inform me that they couldn't give me any other information in regards to why or even what happened to the account and that a check would be issued within 30-60 business days, I still have currently {$800.00} dollars in the account that I have absolutely no access to as if bills just stop and here it is 30 business days in and no new information, no check in the mail I'm pretty sure no check will ever come. I've called and tried to receive any updates and they keep hanging up in my face or putting me on hold, and also told me wait an additional 60 business days, I also tried contacting a branch to see if they had any info they could give but the bank manager answered the phone and straight up told me " Citi Bank picks and chooses who they want to bank with and it's not you " and hung up the phone in my face as well. At this point I'm out of options and I need to figure out how to get my money back from this fraudulent bank. I am not the first victim of this exact issue, this is something Citi Bank does on a regular basis I just wish I new before banking with them and trusting that my money would be safe.
Consumer complaint received 2022-02-03
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. (NY)

I am writing in reference to the XXXX day late payment marks of XX/XX/XXXX - that XXXX XXXX XXXX supplied to the XXXX XXXX credit bureaus Experian, XXXX and XXXX ( I have circled the items in dispute, on the attached copy of my credit reports. ) On XX/XX/XXXX - I mailed a payment check to XXXX XXXX XXXX dated : XX/XX/XXXX for the amount of {$660.00} which was to cover the XXXX payment in question. - I explicitly requested the post office to post-mark the envelope which they did was clearly marked as XXXX XX/XX/XXXX ( See copy of Check and Postal Receipt attached. ) On XX/XX/XXXX I noticed the late payment marks on my credit bureau reports, - I immediately contacted XXXX XXXX XXXX via phone but to no avail. 

Finally on XX/XX/XXXX XXXX XXXX XXXX acknowledged receipt of payment but they only posted it as a payment received on that date. 

On XX/XX/XXXX I sent a letter with certified mail to XXXX XXXX XXXX requesting them to correct the erroneous reporting. ( See attached my letter to XXXX XXXX XXXX ) On XX/XX/XXXX XXXX XXXX XXXX sent me back a canned letter declining to make any changes. ( See attached the letter from XXXX XXXX XXXX ) On XX/XX/XXXX I disputed this late payment mark with Experian but they seemingly only forwarded my dispute to XXXX XXXX XXXX. 

On XX/XX/XXXX I got a response from Experian that XXXX XXXX XXXX once again refused to update my report. ( See attached dispute response from Experian ) Attachment Summary : XXXX ) Copy of my XXXX bureaus credit reports circled the erroneous reporting XXXX ) Copy of dated check sent for payment XXXX ) Copy of Postal Receipt XXXX ) Copy of my letter to XXXX XXXX XXXX  XXXX ) Copy of the response letter from XXXX XXXX XXXX XXXX ) Copy of response letter from Experian
Consumer complaint received 2022-02-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

I am almost 3 months behind on the private student loans that I have kept in good standing with through interest-only payments and the payment amount was recently going up because I completed the recent 6-month program. When this happened I recently was able to get into my own housing because I was living with my parents for the past 4 years and was able to afford these payments. Since my expenses went up I was unable to afford the payments I was currently making and asked if there were any other programs to help me keep my loans current and there weren't. They kept telling me to call back later to see if anything changed and every time I called there wasn't in between these times my mom ( co-signer ) and I would get at least XXXX calls a day each because it was delinquent. Now it is about to go the collection agency and I called again and still, there is nothing they can do. I spoke with supervisor XXXX XXXX of Navient to complain about a call earlier that was made to my mom and come to find out it was he who spoke to her and was demanding her to pay and make some type of arrangement and that it was her responsibility since I was not cooperating which is not true. Every time I made a financial report with the representative my disposable income is only about {$160.00} and they are wanting me to make $ XXXX  monthly payments at the least which I obviously can not afford. When I spoke to the supervisor XXXX, he immediately had an attitude and was in defense and I had to hang up because he was very argumentative. I also had reported having her number taken off of the auto-dialer alleviate the number of calls she was getting. I told him I was trying to work with them and he basically said they can not go any lower and that was it. If it wasn't for my mother as a co-signer I would let these loans go delinquent She is on social security and can not afford to help me financially.
Consumer complaint received 2021-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

My name : XXXX XXXX I have sent {$5000.00} to BSI Financial over 30 days ago XXXX XX/XX/2021 ) to be applied to my account as interest, principle or escrow and the funds have not been applied to my account. 

My address : XXXX XXXX XXXX XXXX, XXXX CO XXXX My Tel. XXXX My Property Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX BSI Financial : XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, PA XXXXXXXX Main line XXXXXXXX Fax XXXX NMLS # XXXX Branch NMLS # XXXX XXXX. XXXX BSI Acct. No. XXXX
Consumer complaint received 2022-02-03
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: CITIZENS FINANCIAL GROUP, INC. (FL)

I completed my modification in XX/XX/2021 and started making my payments may of XXXX. This company stated they would fix my credit and report my payments as being made several times and they have not done so. I would like my credit to accurately show that only payments were made for effective may and that I was no longer in a forbearance. I have tried to work this out with them and have yet to see this corrected on my credit report
Consumer complaint received 2022-02-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (PA)

Hello, I have XXXX private student loans through Navient and XXXX out of the XXXX are showing past due dates from date ranges of XXXX with past due amounts. The reason for this is I went into forbearance and they never processed this the first time around and instead of fixing the problem then kept charging me. Due to the lawsuit made against Navient on the XXXX of XXXX I feel this negative marks on my credit report should be removed. Navient is unfair and unwilling to work with any of its customers. 

I do not have any documentation, but was in a recorded line.
Consumer complaint received 2018-08-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX and XX/XX/XXXXbut on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.
Consumer complaint received 2022-02-22
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. (NY)

n accordance with the Fair Credit Reporting act choice recovery # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (VA)

I have been unable to access our online business banking account with Truist since XX/XX/22. Today is Tuesday XX/XX/22. I was told, after waiting over an hour on hold, that it would take 3-5 business days possibly longer due to the recent merger, to resolve the issue. I need to be able to access these accounts in order to run our business.
Consumer complaint received 2022-02-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (DC)

NELNET has totally and completely screwed up my total and permeant disability discharge on my credit reports and is reporting multiple duplicate accounts, FOURTEEN IN TOTAL, with grossly incorrect information and lies!! NELNET reported 14 accounts, NOT 7 discharged paid zero balance accounts and is dropping my credit score by XXXX points!! STOP THIS clear up my credit report! NELNET is reporting incorrect inaccurate information AND LATE PAYMENTS to ALL THREE credit bureaus, XXXX, XXXX and XXXX and this needs to be cleared up NOW!! There shouldn't be 14 accounts!! It should say 7 accounts, good payment history, CLOSED ZERO BALANCE, SEVEN ( 7 ) student accounts not 14!!

NELNET IS PREVENTING THIS XXXX VETERAN FROM PUTTING A ROOF OVER HIS HEAD BECUASE OF THIS GARBAGE!! I HAVE FILE A COMPLAINT WITH A US SENATORS OFFICE AND THE INSPECTOR GENERAL AS WELL!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I HAVE A Unauthorized account INQUIRES and Unknown address XXXX XXXX XXXX XXXX, MI XXXX on my credit report by all three Credit Bureaus ( XXXX, XXXX, Experian ) XXXX XX/XX/2019, XXXX XX/XX/2019, XXXX XXXX  XX/XX/2019,. 
Which violates Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. A few of the most common permissible purposes are : In  accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-12-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have endeavored to call Equifax to no avail ... the inquiries are unauthorized and should be removed ; I contacted creditor and received apology, but was told that bureau would have to remove inquiries I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-22
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. (MI)

This complaint to Experian result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX  XXXX Balance - XXXX  XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX