davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

XXXX. XX/XX/XXXX XXXX received notice my Sallie Mae loans were going to move to Navient " This past spring, Sallie Mae became two companiesSallie Mae and Navient. Because of the loan ( s ) you have, you'll become a Navient customer starting this fall. Rest assured your loan ( s ) has not been sold. '' 2. I never missed a payment for my XXXX or XXXX XXXX XXXX XXXX XXXX XXXX loans XXXX. University XXXX XXXX XXXX me and I was drowning in loans- and struggling to pay them back ( not making a dent ) but never missed a payment XXXX. I was in the automatic relief group of XXXX Vs XXXX and my application was approved. I received a letter from XXXX XXXX XXXX in XX/XX/XXXX stating my loans were XXXX and I would receive a refund XXXX. I didn't fully understand the different type of loans- I was told consolidating my loans would be best for me- yet I never made dent paying them off. The letter I received from the XXXX XXXX XXXX didn't explain any of this and said I WOULD receive a refund XXXX. I kept calling both the XXXX XXXX XXXX and Navient ( about 6 times ) throughout the XXXX and now into 2024 year and 3 times after the deadline of XX/XX/XXXX. I never received my refund. Navient informed me they never heard anything from the XXXX XXXX XXXX and they didn't ' know what was going on- XXXX. I filed a dispute case XXXX in XXXX of XXXX with the dept of education didn't respond to me for 2 months. I finally received a response that I have a Commercial FFEL which gets relief but not a refund ( which was different than the letter stated in XX/XX/XXXX ). 
XXXX XXXX XXXX, I filed a XXXX misconduct XXXX with Navient and was immediately denied because they said my loans are XXXX XXXX. In XXXX XXXX of XXXX, Navient entered into a settlement with XXXX state attorneys general regarding its lending practices at a number of for-profit schools and my XXXX ( University XXXX XXXX XXXX XXXX XXXX on the list XXXX. I am not sure when my loans were sold from Sallie Mae to Navient, if the 'loan type ' changed. Sallie Mae said my loan was owned by XXXX ( South Dakota ) and was transferred to Them XXXXallie Mae in XXXX of XXXX which Sallie Mae then transferred them to Navient XXXX XXXX. Throughout all of this, it is unclear what type of loan I had. I am not clear if My loans are actually XXXX, XXXX, XXXX XXXX or XXXX. Navient tells me they are " XXXX '' with no further explanation, and the XXXX XXXX XXXX states they are commercial XXXX. 

I was given a letter by the XXXX of education with an approved application that I would be receiving a refund, and Navient claimed for over a year, they heard nothing from the XXXX of XXXX. There seems to be a GAP in the commercial XXXX loans ( if that is what I really have ) and I feel I should receive a refund.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I received this email XX/XX/23 : XXXX XXXX, Here 's a reminder : A new personal loan inquiry was added to your XXXX credit report. * This could affect your score, but the impact generally gets smaller over time. 

If you already took out a loan, let us know what you got your loan for, and we'll adjust our future emails to your goals. And if you're still looking, we can help you compare personalized recommendations based on your needs. 

Keep the momentum going - head over to XXXX XXXX to get started. 
_____________________________________________________________________ I NEVER APPLIED FOR ANY LOAN. I CHECK MY CREDIT OFTEN, AND I THINK XXXX  XXXX  NEEDS TO DO BETTER ABOUT PROTECTING YOUR INFORMATION. I HAVE A HARD CREDIT INQUIRY THAT HURTS MY CREDIT SCORE. I DIDN'T APPLY FOR ANY LOAN FROM TAB XXXX. THIS IS FRAUD. 
XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  card opened XX/XX/2019 amount XXXX}, XXXX this account is closed and is reporting inaccurate account number and inaccurate credit card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX - credit card opened XX/XX/2019 amount {XXXX XXXX this account is closed and is reporting inaccurate account number and inaccurate XXXX card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX  card opened XX/XX/2019 amount XXXX XXXXXXXX this account is closed and is reporting inaccurate account number and inaccurate XXXX card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (AZ)

I had a cashiers check deposited in my account on XX/XX/XXXX at a BMO Harris Bank in the amount of XXXX. They told me that is would take 7 business days to clear the check. Before the check was deposited in my account the check was ran through a system and verified that is was a live and good. I was released some of the money at the time of deposit, the remaining was left in the account pending approval. On XX/XX/XXXX BMO closed my account. I went inside the main branch and they told me my account had been closed due to an alert. I asked what happened to my cashiers check that was deposited they told me that I have to contact BMO other departments in order to get any more information regarding the funds. XX/XX/XXXX I have been told that the money is not available and that I actually owe BMO XXXX. I said that is not correct I have XXXX in funds that have been taken from me. On XX/XX/XXXX BMO credited XXXX to my account that has been closed at least a month now, and will not tell me where the rest of the XXXX is located. They are stealing certified funds at this moment.
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (OH)

I have already paid the pending balance of {$55.00} online and asked the customer representative to remove me from the communication list. 

I kept getting calls and mail reminders even though my current balance is XXXX. They never removed me from the communication list and I recently received a letter from debt collectors.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Called in multiple times for company to update the credit reporting, company refuses. I paid off my XXXX loan with XXXX XXXX XXXX  months ago. The company is still reporting that I have an auto loan with them. On my credit profile because of this it looks as though I have XXXX auto loans. Im disputed information with all three credit bureaus and XXXX advised all three bureaus that the information is correct. I have proof of the XXXX balance
Consumer complaint received 2023-02-15
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. (MS)

I have sent letters asking for this use to be resolved. I need clarification as to why you are reporting certain information on my report. 
Please review the following : Inquiry Account : XXXX  Lowes Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. 
After you have completed my request, send me a copy of my credit report reflecting these changes. 
XXXX XXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-10-14
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. (FL)

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.

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 a 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 XXXX 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 inaccurate.
Consumer complaint received 2020-04-07
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)

I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: 1st Franklin Financial Corporation (GA)

Company/date XXXX1st Franklin Financing 2/2023 Company/date - 1st Franklin Financing 3/2024 Company/Date- XXXX XXXX XXXX XXXXXX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX These unauthorized inquiries listed above was reported to my credit from your company.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (IA)

Recieved a XXXX  package with a USBankReliacard inside. Did not order this, nor does any of the packaging look reliable. The number on the back is not for a USBank. When you go to the website on the sheet it does have a place for " if you recieved this card without requesting '' Then you have to input your information on the next page. I believe this is Fraud and possibly a way to steal my information. I have looked at my credit report and there is nothing on there that is Fraudulent.
Consumer complaint received 2023-10-14
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. (IN)

I am not liable for these accounts. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
I did not sign a contract with these collection agencies. They did not provide me with the original contract with my signature on it.
Consumer complaint received 2023-10-14
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. (WA)

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUISNESS DAYS AFTER THE DATE OF RECEIPT.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

Notice of pending litigation seeking relief & Monetary Compensation under FCRA 15 US CODE 1681n Civil liability for willful Noncompliance & 15 US CODE 1681o Civil Liability for Negligent Noncompliance & 15 US CODE 1692k Civil Liability. 15 US CODE 1681c-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUISNESS DAYS AFTER THE DATE OF RECEIPT.
Consumer complaint received 2023-10-14
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)

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.

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 a 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 inaccurate.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ND)

Complaint is related to EXPERIAN Report Number XXXX, dated XX/XX/2018, in which EXPERIAN continues to erroneously claim that I own XXXX/XXXX XXXX   Account XXXX. Since I have never had any account with this bank, EXPERIAN 's " reinvestigation '' of my dispute clearly was cursory and negligent.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX. ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( XXXX Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-10-14
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. (FL)

I have disputed these accounts that were fraudulently opened in my name with Experian multiple times. These accounts have been removed from XXXX and XXXX already. Experian refuses to remove them. Someone opened numerous car loans and credit card accounts in my name over a couple of months. I have attached all documentation I sent to them. I have been fighting this for over two years now.