davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: PNC Bank N.A. (NY)

Had a loan through PNC bank for a XXXX XXXX XXXX, I never missed a payment. This guy offered me a crazy price for it so I figured Id just sell it and buy something new. Anyways the guy wired the money to pnc they excepted to money guy took the car, I still have the lien release thank XXXX I didnt give it to the guy because come to find out the money he paid with was stolen from someone else so pnc have to funds back. Now I have now car and theyre trying to make me and XXXX XXXX to pay for it when In al reality I wouldnt have let the car leave my house unless I had that lien release. -XXXX XXXX
Consumer complaint received 2021-09-08
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: EQUIFAX, INC. (CA)

On XX/XX/2021 I mailed an envelope containing a completed FTC Identity theft report, letter stating I am victim of identity theft also outlining the incorrect information, copy of social security number and copy of driver 's license. I sent these letters to XXXX, Equifax and XXXX through certified mail. Tracking # XXXX XXXX XXXX XXXX XXXX for XXXX. XXXX XXXX XXXX XXXX XXXX for Equifax. Tracking # XXXX XXXX XXXX XXXX XXXX. They were delivered XX/XX/2021. The incorrect item on my credit report is a late payment by XXXX XXXX and a fraudulent account from XXXX XXXX. The date is XX/XX/2021 and the fraudulent item is still on my account and the late payment has not been correct. Per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. The account should have been blocked no later then 4 business days from XX/XX/2021.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing is continuing to report my mortgage account as late with all 3 credit bureaus when it was completely paid in XX/XX/XXXX and a satisfaction of mortgage was received by SLS in XX/XX/XXXX. See attached documents.
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

I have Navient as a loan service. I am on a low income based plan because I have loans from XXXX and graduate school. I made payments, did the yearly income verification and setup auto payment for a few years. 

Towards the end of XXXX XXXX, I was laid off. I called Navient, said I was laid off and had the paperwork from previous employer and the unemployment office. I was told that they would defer it and no payments would be due. I asked if anything else could be done because I know that I have to make 25 years of qualifying payments for forgiveness and I wouldnt owe much on my income based plan. I was told that it wasnt my time for income verification and could not do anything except a forebearance. It took me several months and XXXX states to find another job because if my circumstances. 

I found a new job at a startup, eventually got back on my feet and did the income verification with my new employer. In XXXX XXXX, I was laid off again as most of the startup company started to go under ( and is now out of business ). I called again with my paperwork ready. I was once again told that I could only do a forbearance, there was no other option. Having gone through this before, I thought that was the truth. 

It took me a few more months to once again get back on my feet and am still struggling after so many months of being laid off. My forbearance ended, my income verification came up and the fraud protection on the IRS site that links your tax return to the Department of Education was in effect at that time as well. This caused me to be late on payments, and Navient filed a 90 day late on my credit report. However, if I had the option to do a verification of income when I was laid off, there would not have been any late payments. This one mark is crippling my credit severely impacted. 

I was not offered, told or suggested that there was the opportunity to reverify my income. Only that you do that once per year. I didnt know that option until all of the consumer articles came out over the summer and recently, and I looked more into the complaints. I now have roughly two years where I would have qualified for a lower to no payment based on my income based plan but its shown as a in forbearance that doesnt go towards the 25 years of payments. This has lead to higher interest amounts and an extra two years of payments and interest that will go to them. I really think I was blatantly defrauded at a very trying time where I took them for their word and was very distraught after losing my job. Because I went to college and graduate school, this is going to cost my extra thousands if not more. Something has to be done, because between the credit report hit and them extending the life of my loan, Ive become extremely financially crippled.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

chexsystem Please investigate this matter and correct the inaccuracies on my report. I would appreciate a response within 30 days of receipt of this letter. 

delete Unpaid XXXX Closures in Last 4 Years : {$000000000.00}
Consumer complaint received 2022-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX broke the arbitration agreement they put in place by closing my account and posting late payments ( see attached ). Equifax, XXXX, and XXXX should not be showing late fees or closed accounts on my consumer report. Also there was no adequate notice given, according to 15 USC 1602 ( k ). My most recent reaching out to them was XX/XX/2022. Also I do not consent to XXXX XXXX for verification.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (ND)

I sent a certified letter sent to ERC requesting Validation of Debt. The letter was returned as 'refused ' delivery. Since ERC refuses to accept the Validation of Debt letter what steps can be taken to have them prove the debt they purport I owe? Copy of Debt Validation sent to ERC attached.
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called Capital One to set up a payment arrangement and as I did so the agent I talked to said doing this would make my account current and it would not be reported delinquent by them on my credit report. Plus I recorded the conversation and they did too. so on XX/XX/2019, I received an alert from XXXX  and XXXX that an item on my report status has changed. Capital One had reported my card as delinquent dropping my score. I called them about the issue of their response that their agent had given me the wrong information and they were not going to address the issue. I told the agent that I would be escalating the issue to the CFPB because this is not right. She then transferred me to a senior account supervisor who asked me what happen, I explained the situation to her then she can't talk to me while I am recording and yet they are recording me. I asked what about my situation and she rudely hung on me.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX  credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...
Consumer complaint received 2021-10-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

On XX/XX/XXXX I sent a Cease and Desist Letter to PHHXXXX XXXX XXXXon time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The XXXX XXXX  XXXX  in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with XXXX XXXX sold to Ocwen loan Services around XXXX or so.XX/XX/XXXX Sold to PHH Mortgage a of Ocwen -PHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} .Also sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX # XXXX belonged to my ex-boyfriend. I filed a domestic violence case and was able to break the lease without having to pay anything. I had a restraining order filed against him and only lived there for 6 days. This should not be on my credit, it was not my lease and the responsibility is not mine.
Consumer complaint received 2022-07-05
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. (NV)

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. I have received a response from XXXX on their full investigation and they corrected all inaccurate information and removed all personal information. However, I have a few questions : How do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, just to underline a few laws under FCRA you violated : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( I ) I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of account below has violated me federally protected consumer rights privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

Please remove all inaccurate personal information and inaccurate accounts, everything that is highlighted is either inaccurate information or violating my FCRA rights. I will attach copies of XXXX response and my last credit report to prove the information for XXXX and Experian has not changed and they are continuing to violate my rights as a consumer.
Consumer complaint received 2017-10-06
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WESTERN CONTROL SERVICES, INC. (FL)

I have a balance " apparently '' with Western Control Service. They 're a Debt collecting company for XXXX XXXX. This school ended up closing in 2016 for fraudulent reasonings.
I have since recently started monitoring my credit through XXXX XXXX. I see that they have this collection outstanding on me.
My first call to them was in the beginning of this year sometime to get them to validate/reduce/remove anything due to me not knowing about XXXX taking out a private loan on me, along with a federal student loan.
My last call to Western Control Service was Wednesday XX/XX/XXXX at around XXXX.
I asked them what I received for this balance and if they could provide me validation I ever signed for it.
They stated they did n't have that and could not provide it to me.
I asked how I can get this removed and the representative stated either pay it or get a lawyer.
I said well I may have to get a lawyer then, and he said okay well we can no longer talk to you about this account only your attorney. Even though I did n't get a lawyer and really do n't want to have to.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (CA)

Dear, CFPB I am writing to formally complain about the fraudulent reporting of an account on my XXXX credit report by XXXX. Upon reviewing my credit report, I discovered that XXXX has inaccurately listed an account that does not belong to me. This erroneous reporting not only tarnishes my credit history but also violates my consumer rights to privacy and accuracy in credit reporting. 

Pursuant to 18 USC 8, I assert that I do not owe any debt to XXXX or any affiliated entity. Therefore, the inclusion of this account on my credit report is not only unjust but also illegal under federal law. I demand immediate removal of this inaccurate information from my credit report to rectify the damage caused to my creditworthiness and reputation. 

Furthermore, it has come to my attention that XXXX is not licensed and bonded in my state to collect debts. This raises serious concerns about the legitimacy of their operations and their compliance with state regulations. As such, I question the validity of their claim and request proof of authorization to collect debts in my jurisdiction. 

I expect prompt action to rectify this matter and restore the accuracy and integrity of my credit report. Failure to do so will result in further escalation of this issue to the appropriate regulatory authorities and legal entities. I urge you to take this matter seriously and address it with the urgency and attention it requires. 

Please acknowledge receipt of this complaint and provide a timeline for resolution. I can be reached at [ Your Contact Information ] to discuss this matter further. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

ONEMAIN had made a hard inquiry on my credit report, send a dispute letter to immediately removed this inquiry from my credit report through XXXX. I haven`t sign any documentation that proves that I have any connection with them. They refuse to do so, impacting my credit report seriously bad.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NJ)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized BARCLAYS BANK DELAWARE Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-02-04
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. (TX)

I had an XXXX loan  for a XXXX  that I put $ XXXX down and XXXX  sold the vehicle and still reported a charged-off balance and never updated it ... I've disputed with the bureaus and only XXXX  has corrected the mistake. I've made several attempts with XXXX  and finally got them to send me something. I just want this account fixed. Someone told me that the credit bureaus get paid money from creditors to leave items open .... I did everything I was suppose to do. Thank you for helping and hearing me
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint pertaining to the distribution of assets in the XXXX bankruptcy proceedings. As a creditor in this case, I was entitled to receive a specific distribution comprising XXXX, XXXX, and equity in the newly restructured company. However, to date, I have only received the XXXX and stock components, with the promised XXXX distribution notably absent. 

The official docket information, as disseminated by XXXX, explicitly indicated that the distribution of XXXX was scheduled to be completed by XX/XX/XXXX. Despite this stipulation, I have yet to receive the XXXX assets that are duly owed to me. This lapse has not only caused significant concern but also prompts questions regarding the integrity and transparency of the entire distribution process. 

It is imperative to note that this issue is part of a broader context wherein a substantial portion of my XXXX and other XXXX holdings were previously compromised. The current situationwhere I am being provided with an inconsequential amount of XXXX and ostensibly valueless stock, while being deprived of my rightful XXXX distributionraises serious doubts about the fairness and legality of the proceedings. 

In light of the above, I urgently request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure that the distribution is conducted in accordance with the legal and ethical standards that govern bankruptcy proceedings. It is crucial that the rights and interests of all creditors, including myself, are upheld throughout this process. I request assistance in finding out why I haven't received my bitcoin distribution from PayPal ( servicing company ) and XXXX ( attorney ). 

I am prepared to provide any additional information or documentation that may be required to facilitate your investigation. 

Thank you for your attention to this matter.