davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Machol & Johannes, LLC (CO)

in XXXX I attempted to purchase a car from XXXX XXXX XXXX XXXX Colorado. I had a XXXX that I had paid off and owned entirely. 

The dealer then set up the paperwork for a ford van, trading my car in as collateral. 

After driving the van we discovered that it was previously damaged from an accident. 

This is where things get weird. 

Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a XXXX XXXX. 

Shortly after taking possession of the vehicle, XXXX XXXX XXXX began not posting our payments, then became threatening. 

As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. 

In XXXX XXXX we left the US for 24 months. 

XXXX XXXX XXXX wrote off the contract as I returned the vehicle undamaged. 

Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX XXXX . 
We responded to the subpoena in writing mailed certified return receipt to the XXXX XXXX XXXX XXXX. 

The certified mailed return receipt response was properly addressed and mailed within the required time to respond. 

Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . 

That same judge then issued a summary judgement that did n't exist against me for some XXXX k. 

The total price of the car, a car we did not have as we returned it to the dealership as agreed with XXXX XXXX XXXX. 

In other words, a debt not real, or valid. 

The debt was sold to a collections firm in XXXX Colorado [ Machol & Johannes ] that is not affiliated with BBB, and suspect for illegal collection practices. 

They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX 

Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this may be the work of the collection firm. So I am out of any vehicle now. Its XXXX. 

That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. 

I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX ], forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by XXXX XXXX XXXX which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. 

It seems no one has done anything to look into these illegal business practices
Consumer complaint received 2016-04-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: LJ Ross Associates (MI)

The debt was discharged in bankruptcy however XXXX continued to contact me requesting that I make a payment. I made a full payment of XXXX as requested. It shows on my credit report as discharged in bankruptcy so they had not right to harass me for payment. I would like a full refund of the XXXX that I paid to their company.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

experian re-inserted an account ( XXXX ) back into accounts that are potentially negative. Proof was sent in to experian month 's ago that this account was never paid late. It was rectified and listed under accounts that are satisfactory. Today I checked my credit report. Report # XXXX and see that it was put back in where accounts that are potentially negative. This information is completely wrong and I tried to submit a dispute but experian will not allow me to re-dispute it again. I am trying to obtain a mortgage and having wrong information on my report is affecting my credit worthiness. I am submitting this complaint for 2 reasons. 1 it should have not been re-inserted into accounts that are potentially negative and the second complaint is experian will not allow me to re-dispute this. It is my right to correct wrong information on my credit report and they are not allowing me to do so.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX has incorrectly reported information to the credit bureau. I opened up a case with the CFPB between me and XXXX XXXX XXXX. XXXX XXXX XXXX sent me written notification through the CFPB that they do not have any record of this account. I forwarded them the requested information and they still were not able to locate any account. I have attached a copy of the written correspondence from XXXX XXXX XXXX concerning not being able to locate this account. This account is not mine. The case number between the CFPB and me in regards to the XXXX XXXX XXXX account is : XXXX. I give the CFPB permission to share any details about this case with Experian. I have attached screen shots of the CFPB portal showing XXXX XXXX XXXX 's response in which they claim they can not find any account matching my information. They cite a 3rd parties name claiming they looked under that name as well and could not find any account. XXXX XXXX XXXX has been provided with my photo ID, credit report, social security number and DOB and was unable to verify an account. When I have previously disputed this account through the traditional method of directly to the credit bureau via USPS I received notification from the credit bureau that they validated the debt - however when I reached out to the creditor I was met with the attached response. This debt is not mine and I have proven that multiple times. Now I have proof that XXXX XXXX XXXX can not validate this debt.
Consumer complaint received 2017-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MO)

I have several creditors who pulled my credit report without my permission. Experian wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Experian is also asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Experian, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditors pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Experian. I do not feel that I should have to contact creditors, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD E DELETED ASAP Thanking You
Consumer complaint received 2015-10-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc. (NY)

While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.
Consumer complaint received 2016-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I lost my job back in XXXX of 2015 I have been looking for work but I am also a single full time father of XXXX children. I have been paying my bills though they may be late they are all getting paid. Navient who handles my private loans every time I speak to them and I think something is resolved I get a phone call 20 days later and they tell me things are late and payments have not been made. This month I have now spoke to XXXX different people. including XXXX supervisors. XXXX supervisors also gave me XXXX different answers. The XXXX phone representatives gave different answers. I am trying to keep everything from being 30 days over due. I have had XXXX people say they were reapplying payments XXXX of which was a supervisors after I spoke to the first supervisor he assured me things were caught up and handled. Today I spoke to a different supervisor and he tells me my account is past due including an amount from XXXX 2015. When I asked him to pull the phone records he refused at this point I became upset and requested them and said I had to go through court. When I again proceeded to tell him then go back and check the phone records from his previous supervisor he refused and I called him incompetent he hung up on me.
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have multiple federal and private loans with Navient. After my wife lost her job I was the only one working and made attempt to get lower payments and Navient would not work with me so at that point, I was unable to make any more payments as the payments they want me to make are well over what I could afford. Since then collection attempts have begun, and they are not only calling me 7+ times a day from a robocaller but also calling my family or anyone that has had contact with me. They have left several messages indicating that they need to get in touch with me " regarding your student loan ''. They also have denied me any deferment or forbearance as they state I do not have that option any longer. The funny thing is I am still in school yet they refuse to work with me so I cut all contact with them. They continue to harrass not only myself but also family members, they have called my parents giving the same information. By giving 3rd parties information about my loans I believe they have broken the FDCPA. They have called my wife stating " this is XXXX from Navient calling for XXXX in regards to his student loan debt ''. My wife said they do not have the right to keep calling her and she said they have every right to call her. They called my cousin today asking for him to get hold of me regarding my " student loan debt ''. The harassing calls also are becoming too much to deal with, calling 7+ times a day, calling and hanging up and then calling right back, calling from multiple different numbers. I plan on seeking an XXXX as I feel that they are breaking the law and harassing me and my family members as they will not work with me. They also put on my online account my work number after I have never given it to them. They called my work and also left a message stating they were calling regarding my student loans. Phone records and/or other documentation that may be needed can be requested if need be.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

I have XXXX in my checking account from citibank. Call citibank they said they will send out around XXXX in another 30 to 60 days which i already have to wait 2 months since XX/XX/XXXX. Please anybody help.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (KY)

I have repeatedly tried to speak to Navinet regarding in ability to pay my student loans due to my inability to work based on my medical condition. I have filled out numerous forms. Submitted forms from my physicans to have my loans discharged due to XXXX. I have even attempted payment arrangements so that I would not have negative impacts on my credit. This is has been a long exhausting confusing battle of information being lost, no record of my calls etc..
Consumer complaint received 2017-03-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KS)

Time and time again, I have asked Navient to consolidate my loans to which they reply, we have only offered that option a couples times ... ever. I am also a cosigner on a loan and it has become impossible to get removed even when the person has several people to take my place on the cosigned loan. They are impossible to work with and quite frankly own a piece of my life for quite sometime. It 's frustrating, irritating and all around overwhelming.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

I have called Navient, the servicer for my loans, several times requesting a 30 day payoff statement so I can refinance my loans with another lender. They will not send it to me, but send me emails saying thanks for inquiring about your loan we have different payment options for you. They are deliberately holding back on sending me this statement so I can not close my account with them. Of note, my loans with them are and always have been current and never late.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Guilt by association : I got my annual credit report Experan, there are XXXX negatives on the credit report, XXXX from XXXX XXXX, XXXX from XXXX XXXX. I never signed a contract with either, however my husband did. we are XXXX separate persons with separate credit reports, who do nothing but live together. I should no be penalized For his mistake Experian refuses to take the entries off like I said I never signed a contract with either company
Consumer complaint received 2016-11-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OK)

Experian is reporting late payments on an account that has never been late. the account is with XXXX XXXX XXXX XXXX. I have supporting documents from the officials at XXXX that support the fact that i have had unblimished perfect credit with them. I have filed disputes with experian to no availe.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (CT)

Experian claims that I did n't respond to their previous mailing of my report for a dispute however a certified letter was mailed giving them my correct addresses and the correct spelling of my name. I then asked them for a fax number through my last cfpd complaint in which they did not respond so I found the fax number myself and sent that on XXXX XXXX, 2017 and I have my confirmation. To date any other addresses and incorrect names on my report remain and they are to be removed immediately.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PA)

Experian refuses to delete incorrect address ( s ) provided even though their own records are incomplete as to the incorrect address ( s ). I have told Experian I have lived at the same address for 30 years. On my credit report Experian lists my correct address XXXX XXXX XXXX and gives it an id # XXXX, it lists the type of dwelling : Residence. It gives a geography- ical XXXX. Then it goes on to list XXXX other address ( s ) that are n't mine given as Id # XXXX and id # XXXX.They do not list the type of dwelling or give a geographical code to either incorrectly reported address ( s ).
Consumer complaint received 2016-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

Experian is listing a XXXX account as open. I am longer a XXXX customer. I switch to XXXX in XXXX 2015. XXXX was supposed to have paid the remainder of my bill as part of their Cut Your Bill in Half promo. This XXXX account should be closed and removed from my credit report. I am no longer a XXXX customer so why is this acct being listed as open on my credit report.
Consumer complaint received 2015-07-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

In, XXXX I pulled my credit and found that I had a debt to the Ohio XXXX Courthouse. So I contacted them and paid all taxes owed and additional fees to remove the tan lien with XXXX courthouse, they gave me a receipt, a letter and verified it was paid in full and released and would be removed from my report. 

In XXXX the credit bureau places on my credit a tax lein of {$290.00} on both my names and spouses. So I copied my letter and wrote to all three agencies asking them to remove or at least reflect paid in full. Instead of removing the nuts determined it was verified we owed XXXX but that it is not accurate as I have the orginial paperwork and contacted XXXX County records and Attorney General as you can also and they will share with you its paid. 

Regarldess in XXXX, I applied for a mortgage and it was on there again, It keeps going on and off I have disputed this atleast XXXX times. I attempted to dispute this week online XXXX XXXX, XXXX and I get a message stating that it can not be disputed XXXX times, despite the fact they have proof it was paid and are reporting that I still owe this debt. I called both the Ohio Attorney General XXXX and collection and the XXXX XXXX Court Clerk of records Divison that reported that it should not be on my credit and they stated they were not reporting to the bureau, instead they claim that this is the bureaus error. 
I pulled my credit and it shows unpaid {$290.00} for a tax lien by XXXX agencies, in addition this debt was in XXXX/XXXX/XXXX and it has been reporting beyond the 7rys limit for paid tax liens. ( this is now 9 years that they bureau has been reporting this as unpaid when it was paid in XXXX, below is the scanned proof. I am asking the bureau to remove immediately from both my credit and my spouses and send written verification they did so
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SC)

Experian is reporting a 6 and 1/2 year old charged off auto loan deficiency with XXXX XXXX XXXX as having late payments and past due payments as well as including the amount of the original loan payment as part of my monthly debt. When the auto was reposed in XXXX and sold that ended the contract and monthly payments. The debt has been charged off there should not be anything reporting as current activity or payments due. They are also changing dates on the reort to reflect a more current status. I have attached a copy of experians own investigative report from XXXX as proof of this.
Consumer complaint received 2015-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

My mortgage account with XXXX was brought to " Current '', PAID IN FULL and closed. Three letters confirming payment in full have been issued by XXXX, which have been sent to EXPERIAN by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to Experian twice. 
Experian is reporting as follows concerning the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act XXXX, my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Experian could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at Experian recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''
Consumer complaint received 2015-04-21
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (WV)

Calls are nonstop. Have repeatedly informed Navient that cosigner and I are both unemployed and recieving government assistance. Asked for assistance multiple times, always told that there is nothing they can do except for us to pay. Have asked that the calls lower in frequency, repeatedly am told they will stop and within the hour after request the calls resume. Was told they can call XXXX every hour, and that is exactly what they do. I do n't know what to do, I have nothing, cosigner has nothing, zero income coming in, they refuse to communicate via the mail instead. My school was found to have participated in fraud ( XXXX XXXX ) but nothing has been done to help the former students.