davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Navient Solutions, LLC. (AL)

I have been on student loans that were not mind for over 15 years. This company changed information and consolidated loans without my knowledge and changed incorrect information to suit this company. It's sick! 

This company has agreed to removed my name off these loans that are not mine, and failed to follow through. 

These loans have ruined my credit not allowing me to use my credit. They have forged legal contract documentation and is not held accountable. 

I have the right to have my cased looked at again. The attorney generals office sent a letter on my behalf, XXXX  XXXX office has sent a letter on my behalf and navient does nothing. I have a signed divorce with a with a judge signature to remove me and navient does nothing. 

Navient policy states a co signed can be removed after two years of on time payments. Two years are completed and they still refuse to remove me. 

I don't understand the need to keep me on loans I did not agree to be on, how is this not illegal how do they get away with it! How can they ruin a single mom of XXXX kids ability to provide for them. HOW IS THIS LEGAL! 

And for the CFPB how do you allow a simple answer from a company determine creditably??? Of course this company doesn't want to take responsibility I thought that is what the CFPB is for to help the consumer!!!!
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (NY)

XX/XX/XXXXXXXX XXXX  XXXX XXXX from XXXX is on my credit inquiry for 2 different times which I don't understand why I would like to clear this out and remove in which I'm trying to get my credit in good health. I don't even know why its even there.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$390.00} Account Name : XXXX XXXX XXXXXXXX -BALANCE- {$9400.00} Account Name : XXXX XXXX # XXXX -BALANCE- {$21000.00} Unauthorized inquiries XXXXXXXX XXXX XXXX XX/XX/scrub>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 XXXXXX/XX/year>
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (IL)

It has come to my attention that this bankruptcy is no reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead it is you who are the actual furnisher and this account is reporting inaccurately. Bankruptcy chapter XXXX Reference # XXXX XX/XX/2016
Consumer complaint received 2023-04-25
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: Bread Financial Holdings, Inc. (FL)

This account was removed from my credit reports less than 2 weeks ago due after my disputes and police report sent to the company due to it fraudulently being open in my name. The responsible party is listed on the police report. I see today on XXXX that it been added back to my credit report and I got no notification! I noticed myself when looking on XXXX XXXX. Remove this immediately! Thank You!
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2022, I faxed a letter to the bureau asking for their method of verification. I have attached the fax confirmation along with a copy of the original letter. I want the information in question to be deleted immediately because it has taken more than 30 days to respond. I've also reported that my ONLY address is XXXX XXXX XXXX XXXXXXXX, NC XXXX
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (FL)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (VA)

I have contacted MOHELA numerous times to resolve this issue and have been lied to, passed around, or completely ignored. According to my records, I paid them everything I owed them BEFORE my grace period was over. The first thing I was told was that I canceled all of my payments and owed them everything which is ridiculous considering I had paid the total amount due ( over {$25000.00} ) BEFORE the end of the grace period the federal government had extended. They then stated they could not account for {$6000.00} of the money I paid them. When I accused them of pocketing said money, the number changed to {$3500.00}. They told me they could defer the loan until they could track down the money and I confirmed that was what I wanted to do. Yet I am receiving letters that they are charging me interest on said loan. They also stated the only method I could use to send them proof that they have my money is to fax it to them. When I told them that I did not have access to a fax machine, I was told that that was the only acceptable method.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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
Consumer complaint received 2023-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CMG MORTGAGE, INC (PA)

This will be a companion complaint for Complaint Number XXXX. As stated in the companion complaint I believe this was a scam perpetrated by XXXX, XXXX and XXXX. This complaint is against XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX took over the mortgage for the buyers of XXXX XXXX XXXX when XXXX XXXX said his company was denying the buyers XXXX mortgage just XXXX days before closing. XXXX then proceeded to " assure '' me and my sellers that he could get the loan done as written and in accordance with our agreement of sale XXXX XXXX '' in XXXX days. When push came to shove my sellers ended up being displaced for XXXX days AND XXXX said that the buyers didn't have sufficient funds to complete the transaction and that to make the deal work my sellers would have to give them {$15000.00} in additional seller assist to make the deal work. Of course this is just blackmail at this point because my sellers were living out of XXXX XXXX trucks and had their own home purchase in XXXX XXXX hanging in the balance. I feel that this scenario was completely contrived as a way to extort more money from my sellers. The real estate agent XXXX XXXX said that the buyers had taken the XXXX amount of {$35000.00} withdrawal from buyers XXXX. which was listed as an asset on their XXXX XXXX XXXX sheet ( a legal document ) but the XXXX allowed is {$50000.00}. I asked for proof of the withdrawal from the XXXX from XXXX and XXXX but neither have complied with the request. I contend that the buyers did not withdrawal funds from the buyers XXXX and they concocted this scenario to extort money from my sellers.
Consumer complaint received 2022-01-20
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: Experian Information Solutions Inc. (TX)

This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the XXXX of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SD)

I closed my XXXX secured credit building card years ago and have disputed the fact that Equifax is still showing that there is a balance and the account is still open. I've disputed it several times and it's affecting my credit. I have screenshots. XXXX XXXX  upon being questioned by me if they were contacted and stated that they were in fact contacted and informed the credit reporting agency thar the account was closed and with a {$0.00} balance, because it was a secured card you don't carry a balance. please inform them that my next action will be a lawsuit.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Burns Auto Credit, LLC (SC)

As of XX/XX/2023 to current, Burns Auto Credit LLC has been reporting my experience & transactions with their company on my XXXX consumer report :, Which is in clear violation : Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I received an email from the US Department of Education notifying me that my student loans have been forgiven in full by the XXXX - XXXX Administration, and have been paid off in full. The loan discharge is effective as of XX/XX/XXXX. This notification also contains the following statement : " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' On XX/XX/XXXX, I checked my credit report with all three Credit Reporting Agencies. All three reports were incorrect- they still showed the full outstanding balance on my student loans. 

I filed disputes with all three Credit Bureaus. XXXX and XXXX corrected the erroneous reporting within the 30 day deadline. XXXX and XXXX now correctly show that the loans have been paid off. 

Experian notified me of their dispute resolution on XX/XX/XXXX. Experian did NOT correct the loan amounts outstanding. Experian updated the amounts with a larger amount due, which is also incorrect, and which caused my credit score at Experian to drop by XXXX points. 

Evidently, Experian did not do any research on my dispute. Consequently, Experian is in violation of the Fair Credit Reporting Act as of XX/XX/XXXX.
Consumer complaint received 2023-04-10
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I went to atm on XX/XX/XXXX and had a cash deposit of XXXX XXXX dollars bills. When I deposited the cash into the slot the atm only counted XXXX for XXXX dollars and spit out XXXX XXXX dollar bill back. So I confirmed the XXXX dollars and proceeded to deposit the remaining XXXX dollars. The atm grabbed the XXXX dollars cash and then had me confirm the amount of XXXX. I confirmed the deposit of XXXX and I waited for the receipt. No receipt generated for me so I tried to print receipt on the atm machine and the ATM machine shuts down and shows on the screen OUT OF ORDER. I called the bank the next morning and explained what happened to me. The agent took my information and he filed a claim dispute and told me that I didnt need to worry because they will take care of this. I told him that Wells Fargo needs to obtain the security cameras to verify that I made the second deposit of XXXX XXXX dollars and they would also see that the atm machine spit out XXXX XXXX dollar bills back. So I hadnt heard from the claims department after 10 days being XX/XX/XXXX XXXX.I called them and was told that it was still being processed. 
I recieved a letter two days ago Saturday, XX/XX/XXXX stating that the since the original credit was correct, on XX/XX/XXXX, we will deduct the temporary credit of {$300.00} provided to you earlier on XX/XX/XXXXXXXX  When you make a deposit at a Wells Fargo ATM, you are prompted to confirm the amount and a receipt is then generated. We recommend you keep the receipt until you see that the deposit has correctly posted to your account. 
Now I have been banking with Wells Fargo for over four decades now and I believe I know how to make a deposit. I was furious that they were so callous and rude to print something that apathetic to a loyal customer insinuating that I do not know how to deposit money. Plus I just received this letter in XXXX when I deposited the money back in XX/XX/XXXX. 
I immediately called the claims department on Monday XX/XX/XXXXXXXX  and I was told that they had someone come out to check the machine and it was working just fine and that this case is now closed. So Wells Fargo has my {$300.00} dollars and basically is saying that I am dishonest and a liar and they never checked the cameras to verify my claim and my name. 
Can you please help me get this resolved and have the claims department take a course in the customer is a very important part of their banking business. 

Thank you so much for the platform to speak out when an injustices happens with peoples rights to earn a living wage only to be told that they are keeping the money. 

XXXX XXXX
Consumer complaint received 2024-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I WAS SERVED WITH PAPERWORK THAT IS HAVING ME TO COME TO COURT THREATENING A JUDGEMENT FOR THE FUNDS THEY SAY IS OWED. I THEN RESPONDED TO THE PAPERWORK WITH THE COURTS AND ASKED FOR ADDITIONAL INFORMATION THAT SHOWS THAT I AM RESPONSIBLE FOR THE DEBT ANY SIGNATURES ITEMIZED BILLING ANYTHING THAT WOULD STATE THAT I WAS INDEED RESPONSIBLE FOR THIS DEBT. I ADVISED THE COURTS THAT I HAD FILED FOR IDENTITY THEFT BACK IN XXXX AND THAT THIS MAY BE A RESULT OF THAT FORMER COMPLAILNT