davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX being reported in all XXXX credit bureau. 

- I Sent Experian, XXXX and XXXX a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail. 

- Experian received the Dispute Letter on XXXX/XXXX/16 as USPS Tracking # XXXX shows. 

- On XXXX/XXXX/16 both XXXX and XXXX deleted this Fraudulent Collection Account from my Credit Reports while Experian refused to properly investigate and delete and instead updated this account to a " PAID '' collection which has continued to damage my credit even more as their change to a paid collection being more recent lowered my scores, i am in the process of buying a house and this whole situation is preventing me from obtaining a mortgage. 

- Experian Fraudulent Verified this Unknown Collection account and Updated to a PAID COLLECTION on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 Experian is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my Experian credit report immediately.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

I try uploading documents on Experian website and it would not upload pdf files so I can remove a delinquency from child support that should not be on my credit report. I have a letterhead from child support asking them to remove this account from my credit report. I was told by child support this letterhead document from child support should remove this delinquency from my report right away. Experian is reporting account XXXX as a collection and also that I owe {$870.00}. This account is not in a collection account and I owe {$0.00}. I want Experian to remove this account right away base on the evidence I uploaded to this complaint and also fix their website so it can upload pdf files as they stated on Experian website dispute. Report Number XXXX
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (AZ)

XXXX Credit reporting companies have the correct information for the same event. 

Experian has incorrect information. I called them and they would not accept a dispute as they put XXXX of the blame on XXXX. Called XXXX. They said they never create verbage whatsoever and that the blame is 100 % on Experian. CatchXXXX. 
The matter concerns XXXX mortgages that were closed with the following statement which is listed correctly on all XXXX credit reporting companies : " Account legally paid in full of less than the full balance. '' The dispute is because EXPERIAN ( ONLY ) lists the following additional information in my FICO report under " What 's hurting your score? : 1. Serious Delinquency 2. Accounts Ever Late = 2 Critical Notes : 1. I was NEVER LATE on any account 2. I was NEVER DELINQUENT on any account I have the name and number of the high level supervisor at Experian if requested.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MI)

I requested that the credit bureau provide me a physical copy of the original documents according to the Fair Credit Reporting Act section 609 a ( 1 ) A. They provided nothing only stating that the accounts were verified. Under this act the credit bureau 's must comply with federal law or they are in violation.
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (FL)

I had a loan with XXXX mortgage. In XXXX I received a letter AND XXXX statement stating that XXXX  would be my new servicing lender. Instead of paying XXXX with their invoice/statement, I followed instructions and made my first payment to XXXX XXXX. I did not have anything from XXXX at the time, only documents from XXXX. So, when I made my first electronic payment to XXXX, I used my loan number from XXXX and made my first payment. I continued month after month to make my payments with the original XXXX loan number under bill pay. It wasn't until XXXX, when I noticed on my XXXX statement that it showed I was past due. I reached out to XXXX 's message center and was trying to clarify for months that in fact I was not past due, my payment was sent. I finally got a hold of a gentleman ( In XXXX ) who told me that my XXXX payment was missed, when it fact I showed him proof that it wasn't. During this time I was told I didn't have insurance on my home, when in fact I did. My bookkeeper sent them proof via e-mail, messenger and through the insurance portal. Finally, this got cleared up after they tried to force place insurance on my home. Going back and forth with the message center, I decided to reach out to the President of the company because no one could find my first payment. From there, another gentleman responded back. He informed me that as well that my payment was missed and suggested I looked at my statement for that month to see what happened. To my surprise, in the middle of the month, the payment was returned, and without any notification. When I looked at the statement, the payment returned was from a company called XXXX XXXX XXXX. The gentleman told me that XXXX couldn't identify me as the borrower with my XXXX loan number. That immediately put me behind. Since then, XXXX, XXXX, XXXX, and so forth, I have continued to bill pay XXXX  every month using the only loan number I knew, which was XXXX and the payments were accepted to my account. The statement was very complicated to understand, not like XXXX. In XXXX and XXXX, a simple mistake, my bookkeeper shorted 2 months of {$80.00} each by putting the wrong amount. I was not notified about the first payment being incorrect so through bill pay, I made the second payment. Then I was told they didn't know where to put my 2 month payments, so they left them unapplied, which doesn't make sense. If they had applied it, I would have noticed the accidental short pay. Because of this, my credit score has plummeted from the 700s to the 500s. It has impacted my ability to do any type of financing. All this was because they didn't accept my first payment and didn't notify when I made the first mistake on my payment ( for XXXX ). Please review the XXXX monthly statements compared to XXXX 's, which is very difficult to understand. Let me know what else you need further from me.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IA)

Hello, Navient continues to call me as well as leave messages telling me they need to talk to my son, XXXX XXXX. They also say they need his contact information. They call repeatedly. I do n't have any updated contact information and I do not want to talk to them. I have co-signed loans with them and they are all current. I asked them to stop calling me, and they said they would put my number on the do not call list, but they keep calling. The number is XXXX.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KY)

I have had my student loan since XXXX. I have been paying my payment since then. I did not refinance my loans but several years ago got a letter saying my loans were changed from XXXX XXXX to Navient. I was told I would be eligible for forgiveness in XXXX. I called in XXXX of XXXX to find our what I needed to do having paid all of this time and was told when my loan was changed to Navient the type of loan was not eligible for forgiveness after 25 years not only that tge payment of XXXX dollars a month had not changed the balance at all. I was told I refinanced my lian to Navent from XXXX XXXX and I did not. I am a XXXX and have since advanced My degree and am now paying both l XXXX as if I am a new grad. I am XXXX years old and trying to help my kids thru college as well. I have been scammed with no options of choosing paying thus payment for 25 years having been originally told it would be payed off and then told I did n't have the right type of loan. One I did not choose or informed of an option. 25 years later I have paid this loan off multiple times yet balance is the same. It is a huge scam forced on me and nothing I can do.
Consumer complaint received 2017-02-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

When I submit a payment for my student loans on Navient 's website, I receive the standard email confirmation and, a few days later, I receive a follow-up email stating " Your recent payment has posted to your loan ( s ) ''. Several days after the XXXX email - now well past the payment due date - I receive a XXXX email stating I am late on my most recent payment. 

Looking into my payment history on Navient 's website, my payment was reversed ( for reasons Navient did not bother to explain ) on the same date that I received the initial payment confirmation email. This contradicts the XXXX email stating a payment was posted to my loans, which I would assume would only be sent if the payment was successful. I received no notice whatsoever that there was a problem with my payment. I had to figure that out on my own after receiving the XXXX " late payment '' email. This has happened several times in the past year, causing me to be late on a handful of loans even though I submitted payments well before the due date.
Consumer complaint received 2016-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DC)

I sent in a large payment ( {$13000.00} ) XX/XX/XXXX with a note stating how the payment is to be allocated since Navient ( XXXX ) does not allow you to allocate payments to certain accounts online. I also emailed them stating how to allocate my payment. This should have paid off in full XXXX loans. They did not allocate the money correctly. I have called every month and they are still incorrectly allocating my money ( now XX/XX/XXXX ). I have received XXXX letters stating these loans have been paid in full yet Navient has yet to actually show they are paid in full. Beyond frustrated that their system does not allow me to dictate how my payments are allocated if made online through their site. Their supervisors " fix '' the problem but my next month bill shows balances. It has been a never ending circus trying to get this fixed.
Consumer complaint received 2015-08-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (CO)

On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that Jefferson Capital Systems will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against JCS for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. 4. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from JCS 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by XXXX XXXX XXXX, XXXX. He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or JCS verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with XXXX XXXX XXXX, XXXX. 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) On XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, JCS had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that JCS believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account manager, to discuss a resolution that would be satisfactory to both parties. 

To date, JCS has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, JCS is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the XXXX was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have in previously called Experian Credit Bureau in three occasions and explained to them that there are XXXX hard inquiries in my credit report that I have not authorize, any credit institutions to run my credit for obtaining any type of personal credit, I have send to Experian an letter. 
which explained to them as follow. I recently pulled a copy of my credit report and noticed the following information are in error ; Credit Inquiries : The FDCPA states that the only way permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance or d ) court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : ( listed all the companies that have pulled your credit, whom you did not give permission to do so ) 1- XXXX XXXX XXXX XXXX 2-XXXX XXXX 3-XXXX 4-XXXX 5-XXXX 6-XXXX. 
Please remove those inquiries from my credit report immediately : I have a endorsed copy of mu driver 's license as a proof of my identity. 
This was the letter I have sent to Experian and until this day they have not comply as the FDCPA explained I did sent this formal letter certified with a receipt return on XX/XX/2016 via USPS. 
I have been very patient with Experian they are not cooperative to me and so many others consumers this can not be continued in this venue, I demand a very deep investigation to my allegation to Experian from The Consumer Financial Protection Bureau. 
I deeply did not want to do this complaint but it seams that there is no hope from Experian in helping consumers of their concerns. 
Also in the same envelope I sent another letter to remove previous Addresses they show on my report my current address is XXXX XXXX XXXX, XXXX, TX XXXX any other address in incorrect so they need to fix my personal information. 
Again Thank You.
Consumer complaint received 2016-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Experian 's XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$210.00} Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX account on my credit report. On XX/XX/2016 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into XXXX procedure of removing satisfied judgments. You can see the Plaintiff asked for XXXX Please pay close attention to the document you can clearly see that I only owe {$420.00} that was awarded by the judge to XXXX XXXX Used Cars. Then below you can see my counter payments I made to the bill that was awarded.
Consumer complaint received 2016-07-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

After running my report for Experian at XXXX on Saturday XXXX XXXX 2016 on line the site went down causing me to loose the report before I evan had a chance to look at it. Can you please mail it to me at my home address, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ca XXXX " OR '' Preferably, give me the ability to go back it to pull the same one up again so I can view and and if needed file any disputes, Please help me, Thanks, XXXX XXXX
Consumer complaint received 2020-08-18
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.