davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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: Navient Solutions, LLC. (SC)

In XXXX after my credit score dropped almost 60 points Navient reported my loans 90 days past due but I did a deferment. I was not notified by Navient before deferment ended. I submitted a dispute the same day Navient put a forbearance in place that I was not aware that I had available to me. On each loan with XXXX and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday XXXX sent me a notification that my dispute was completed and Navient changed nothing and left all loans as is. I called XXXX and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving Navient another 30 days to fix it. I brought this to Navient attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called Navient about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again Navient will not give me any information. I have had nothing but headaches with Navient since they were Sallie Mae. I did a rehabilitation in XXXX for Navient loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue Navient and XXXX. The loans for XXXX XXXX also belong to once was XXXX XXXX. In XXXX I believe XXXX XXXX switched the name to XXXX XXXX. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. XXXX  XXXX took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My XXXX  XXXX loans are with XXXX I believe. I asked Navient for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of Navient.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (CO)

Seterus, Inc. has had my loan for the past two years. They have not XXXX treated me like I was a valued customer, just another number, a nuisance, gave me only the information that I could think to ask for at the time, and never let me speak to management when I was dissatisfied. They treat me like a XXXX citizen, payoff requests take two weeks, and I have been trying to refinance since XXXX of 2014. They did not disclose that I showed delinquency, which delayed my refinance, they made it impossible for me to get a simple process completed without jumping through hoop after hoop.
Consumer complaint received 2023-02-26
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: EQUIFAX, INC. (AZ)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2016-05-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

RE : XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XXXX/XXXX/XXXX Balance {$140.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, MT XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$140.00} XXXX Experian needs to have this Entry immediately removed from my Report. This was disputed with XXXX and they sent a letter stating they requested these items to be removed with the CRA. I am not late on paying a bill, expecially this {$140.00} bill that does not belong to me! 
It is erroneous and I will file an AG compaint against experian.
Consumer complaint received 2016-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TN)

I obtain my credit report dated XX/XX/2016 in correcting my credit. I have filed numerous dispute with all XXXX credit agencies of my residence, and information on my credit. I have also written the owners of the property in which I asked for more information on whom obtained residence in my name. I have not heard from the owner. So I have been continue to file disputes of this and credit agencies continue to have this on my record.
Consumer complaint received 2022-08-25
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: BARCLAYS BANK DELAWARE (NY)

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.These accounts/ items/ inquiries are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, BRCLYSBANKDE XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00}
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

To the officials at the CFPB : On XXXX XXXX, 2015 I disputed a lien that was withdrawn and removed from my name in XX/XX/XXXX by the XXXX XXXX Recorders Offices as my application for withdrawal was accepted by the State of California. Account XXXX needs to be deleted from my credit file and Experian has verified it and updated my credit report in the matter of only XXXX days and has not sent me any paperwork or verification showing what they verified and how they verified this item with the XXXX XXXX Rec. Offices. I do not believe that they conducted a proper investigation and they have not sent me my requested descriptions regarding the information which they claimed to have verified. This item is not supposed to be reflecting on my credit report and now I am being denied credit and a better rate on my balance transfer cards with XXXX bank as they were relying on the removal of these liens by Experian to approve my credit lines. They are causing me so much stress and they are affecting my very existence! I attempted to call their executive offices and was not able to reach a live person. The XXXX devision has told me that they forwarded removal of invalid Lien slips to the XXXX bureaus. I wonder why Experian has not updated like the other XXXX have? Please, I need the help of the CFPB because this item is illegally reported and not valid and was paid in full immediately and sent to the recordings office before its due date which caused a record in the system, but this has since been removed from my name after the release and the withdrawal of the lien. This was a mistake by the offices and if Experian conducts an in depth investigation they will se that this account in not in archives nor is it verifiable or accurate os of XX/XX/XXXX. Please please can your agency help me? I have also filed a report with the FTC and the XXXX once I received a notification that they had verified it and sent me absolutely NO evidence of how, when and why! I do not understand how they even conducted a through investigation so quickly! I do not understand, this is my livlihood! I do not feel like an investigation was even conducted. This public record item is ruining my life I am only XXXX years old, they have no idea how much this is affecting me. The State does not allow bureaus to report join their behalf with inaccurate information. No one at the recorders office has been contacted by this company and the account is not verifiable as of XXXX 2015. Please this needs to te deleted immediately so I can finally breathe. I worked for years to work to get the state to see the mistake that was made as the amount was paid years ago before even being transferred to the XXXX XXXX recorder offices in XXXX, California. Can you please ask them to conduct a new investigation immediately? I read on XXXX that you guys help people in need to get these invalid liens deleted! Please, i need you help.
Consumer complaint received 2016-07-28
Product: Payday loan — 
Issue: Can't contact lender — 
Company: PLS GROUP, INC (UT)

I started a payday loan with PLS Cash Loan Store XXXX, Texas on XXXX. PLS later changed the terms on me and stopped doing loans in the State of Texas.Pls forced me to make payments to their internal Collection Department. I have been told by the manager if you set a payment plan and make payments then we will return your personal check, which is kept as a collateral. I have made several payments ; but this company would not keep their words and changed agreements on me. They are XXXX mailing me by holding my Higher Amount check that was written for the total amount of loan taken out. PLS Store in XXXX, Texas will not void my check and they refused to return my personal check which has wrong higher amount than what I owe them. PLS Store district manager XXXX XXXX lied and PLS sold my account to Third Party Collection agency. I had never skipped a payment while I started this account. They have changed the terms and shut down everything started to demand money upfront. so after several payments I Stopped payment to make sure my Check with be returned to me and not cashed in with that high amount written on it which I do n't owe them at all. CHECK NUMBER XXXX XXXX bank Texas written for XXXX. After making several payments they still wont return my check. This is a consumer Fraud period.
Consumer complaint received 2017-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Today, on XXXX XXXX, XXXX I noticed a couple of additional examples of fraudulent activity on my credit report. Usually I am able to see my credit report at anytime via Experian 's credit monitoring, but over the past few weeks for whatever reason they are having problems being able to access my credit file. 

My concerns are that I have ( XXXX ) additional inquiries from the same third party company requesting my credit file information. 

XXXX, CA XXXX ( XXXX ) XXXX INQUIRIES PULLED ; XXXX XXXX, XXXX XXXX XXXX, XXXX This is the same company that had pulled my credit this past XX/XX/XXXX when I was in corporate housing with my company. I am disputing this as fraudulent inquiries and challenge them or whomever they may represent to prove otherwise. I do know that obviously on both of these occasions my credit file was temporarily opened, but this was because for whatever reason Experian 's credit monitoring service asked me to temporarily lift so that a XXXX credit report could be pulled. While I certainly know that this should never be a problem, I do know that once I did this I was able to receive the ( XXXX ) credit reports from Experian, XXXX and XXXX. This is an entirely separate issue that I will have to come back to address at a later time. 

Please dispute these XXXX inquiries as fraudulent as these are both not authorized. I have already disputed ( XXXX ) inquiries against them in the past ( XXXX & XXXX of XXXX ) and both were successfully removed accordingly. Please remove these. I can be reached anytime at XXXX. 

Regards, XXXX
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

I have taken the steps to dispute information being reported by XXXX XXXX on my credit report with Experian and the case has been resolved unfavorable to me, despite having showing proof of its inaccuracy. 
I filed a chapter XXXX Bankruptcy Date Filed : XXXX XXXX, XXXX, and no credit card dept was included in the bankruptcy. Only a charge off auto loan and 2nd mortgage debt. I have attached documents from the bankruptcy trustee showing the items included in the repayment plan. XXXX XXXX credit card for XXXX was paid in full by me before I ever filed bankruptcy. Now they are reporting on my credit report that the debt was included in the bankruptcy which will adversely affect me. It should be reporting as a paid closed accont with a XXXX balance as of XXXX, showing I had a high balance of XXXX and paid it down to XXXX. not that unsecured credit card debt was included as a part of a bankruptcy. This is not fair credit reporting. Please require XXXX to provide proof of my last payment to them. Which will show I paid this in full prior to my ever filing bankruptcy and XXXX money was paid to them or included in the bankruptcy.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give me the method of verification within 15 days of my request. This should be hard evidence that goes all the way back to the original creditor. I did not consent for them to use an automated system as means of an investigation process using any online computer program, XXXX, etc. The credit bureaus are required to send the all of the supporting documentation regarding the dispute on to the furnisher of the consumer 's account within 15 days.
Consumer complaint received 2017-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

Too Whom this May Concern On XXXX XXXX XXXX PayPal Inc contacted me via phone and email stating that as of that day a hold of 5 % of all transactions would be held for 90 business days, also a minimum of {$10000.00} would be held from my account for 180 business days. PayPal is licensed in the State of Florida as a Money Transmitter Service with License number XXXX expiring XX/XX/XXXX. Florida Statute 560.208 Section 5 states Shall, in the normal course of business, ensure that money transmitted is available to the designated recipient within 10 business days after receipt. I have sent several emails to PayPal and PayPal executives/supervisors/customer service requesting my funds to be released and did not receive a response. I finally received a phone call today XX/XX/XXXX in response to my request and complaints. The customer service agent I spoke to denied my request and specifically stated PayPal operates out of California and does not recognize Florida state law. I disagree. As a licensed business/service in the State of Florida, Paypal should be held to the same standards and laws which accompany their Money Transmitter License and their privilege to conduct business in Florida. I feel that any reasonable person would conclude that holding such a high balance for 180 days is excessive. and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. This is also contrary to the laws set forth by the Florida Office of Financial Regulation. I have been very patient in this process and have requested on numerous occasions for the return of funds. I am simply seeking a resolution that is fair and in accordance with Florida State Law, the State I live and conduct business in. Thank you for your time reviewing my case.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

XXXX XXXX XXXX account was received, paid & satisfied on XXXX/XXXX/16. I will mail documentation. I need this account removed from my credit report or at least to state : CLOSED. 
Thank you. 
XXXX XXXX
Consumer complaint received 2016-11-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe (PA)

I borrowed XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. 
I have repaid XXXX dollars on this loan. It came to my attention on the XXXX Department of Banking that these types of Loans are illegal in XXXX.. I have paid Dakota Lending dba MyLoanSite.com XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX I have paid this company {$1700.00} plus the Original loan amount as of XX/XX/2016. 
They have gotten their money back I do not want any money back. They are fooling the common person in XXXX where they should not be lending money at all.
Consumer complaint received 2017-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I previously submitted a request for a 'proof of debt, ' in order to see if this debt is actually mine. I have been curious since ProCollect called me back in XXXX about this debt. After several attempts and many phone calls to get ProCollect to validate my debt, they finally did after I submitted my first claim to CFPB. ProCollect ended up sending me a document, only one that was provided by the apartment complex with the XXXX logo on it. All documents must be presented when requesting validation of debt. There are several things that concern me about the document ( s ) : 1. This is not my signature. This is not my handwriting. This is hardly even my information other than my personal info. I can definitively prove this. 2. XXXX XXXX XXXX, the actual lease holder is a career criminal that already has a record of fraudulent activity. 3. My great grandmother is also listed on the lease as another occupant. My great grandmother has been sick with XXXX and I can guarantee you her information was also illegally obtained. So this is two fraudulent criminal complaints. 4. What scares me is that XXXX XXXX is a career criminal and if she would of requested validation of debt, then she would NOW AGAIN have my social security number. Going forward, I would appreciate that you would white out my Social Security Number and my great grandmother 's SS #. This is simple Credit Law. Consumer Credit Collectors CAN NOT SHARE SOCIAL SECURITY NUMBERS with other consumers, regardless of the situation. 5. I have sent XXXX XXXX several emails, along with his associate XXXX XXXX to resolve this since and they refuse to answer me on how to proceed. I am fed up and if I would of seen the supporting documents back in XXXX 2016, I would of had this taken care of by know. If I do n't receive a response through email at XXXX,  along with a response through CFPB and a phone call stating that this BAD DEBT will actually be written off to BAD DEBT, then I may consider NOT retaining XXXX XXXX to sue ProCollect, along with XXXX XXXX as co-defendant. I have already made XXXX XXXX aware of this matter. If I do n't receive a response by the end of business on Friday XX/XX/XXXX, then I will be retaining XXXX XXXX and we will be going to court. I attached the " supporting documents '' on this bad debt, that was sent to me from XXXX XXXX. She would n't respond to my emails nor would anyone transfer me to someone that could help me with my account. Kind Regards, XXXX
Consumer complaint received 2017-02-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Io, Inc. (TX)

I was a victim of identity theft and noticed a collection from RECEIVABLE MANAGEMENT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RECEIVABLE MANAGEMENT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

I am still having problems with XXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank you