davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Ive been dealing with Sallie Mae ( naviant ) Since I borrowed loans in XX/XX/XXXX. Since then Ive been making payments and sometimes have missed a couple. There customer service is horrible and abusive. In the past Ive mentioned there law suite on the phone to a manager for unlawful loan practices in our phone conversation and the supervisor hung up on me saying we cant discuss that. 
In one phone call the collector told me if I cant make a loan payment I should sell my house and belongings because their going to come get them after we go to collections. 
Most recently XX/XX/XXXX I lost my job after 3 yrs as a XXXX XXXX XXXX. 
During that time I was unemployed and was getting NY state unemployment for XXXX a week. Not enough to pay all my bills and provide for my kids and family let alone pay XXXX a month in student loans. I was unable to pay them. I called countless times to naviant to see if they could help me and do something with my loans since I was unable to pay until I got a new job. Their reply was its not our problem you dont have a job, pay your loan or we will take you and your family to court. Also in previous years I wanted to take my co signers off the loan and they said thats not possible because they are responoble to pay as well and cant be removed even though I was making payments every month. Now I have a new job but I am making 20k less a year. Ive told them most recently in weekly phone conversations that I cant pay the XXXX a month I use too because I make 20k less a year now. The money just isnt there. Their response is thats too bad thats the best we can do, pay it or be prepared to go to court. 
Honestly at this point I am not sure what to do? 
I am not trying to avoid paying them but they are so hard to work with and dont what they do or say as long as they can squeeze money out of you. When I was making monthly auto debited payments they would call my co signers and day I wasnt paying to try and get additional payments. Not right! 
Also my wife has students through them as well. obviously our house hold income is the same but they are unwilling to help her with her loans as well. They didnt offer the same financle hardship repayment program to her. They said it didnt apply to her loan and situation. Its the same household and situation. These are only a couple examples of the last 15 years of dealing with them. Its been the worst experience and most regretful decision Ive ever made. 
I need advice. Honestly I can say whole heartedly that if I knew that I would have to deal with them when I was thinking of going to college I would have never gone to college. It wasnt worth going to college to deal with them and their absolutely ruthless loan practices. 
I advise young people to not go to college if it means dealing with navient. 
XXXX XXXX
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (NM)

15 U.S.C. 1681a-2 a1, ll ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THIS ACCOUNT ARE REPORTING INACCURATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (IL)

Kindly ensure the removal of inaccurate accounts noted on my XXXX XXXX, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me XXXX.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX, Equifax and XXXX are failing to update my information correctly, In XXXX I filed for XXXX XXXX and they re-aged the discharge and reaffirmation on some of the cards that should have dropped off since the discharge was 7 years ago. 

Because of their errors XXXX XXXX XXXXXXXX closed both of my accounts that I had since XXXX and XXXX respectatively - XXXX  ending XXXX and XXXX. 

First because of the error XXXX  XXXX XXXX reduced my credit limit from XXXX to XXXX and XXXX on the card ( s ) which bumped up my utilization from 10 % to 90 %, Because of the error then XXXX XXXX XXXX closed 2 cards which have been paid on time for years and still have open balances. 

These CRAs should be monitored or eradicated from having the ability of providing consumer information that is incorrect to the Financial Institutions. Thanks to their inaction my credit dropped from GOOD XXXX to POOR XXXX after it took me almost 7 years to build up my credit. 

The bureaus also have failed to drop off old inquiries that have expired making it seem I have more inquiries than I have.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

Someone applied for a credit card in my name with Comenity capital bank on XX/XX/21 which caused me to have an inquiry on my credit.They said that they close the account, but they still never took the inquiry off of my credit. It was for a XXXX Credit card. My email address is XXXX and home address XXXX XXXX XXXX XXXX, XXXX. Ga XXXX.
Consumer complaint received 2022-11-09
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. (TX)

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that TransUnion still indicates my dispute of information in my credit report. As of todays date, TransUnion has not responded to my dispute. According to the Fair Credit Reporting Act, TransUnion must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX XXXX XXXX Balance Owed : {$590.00}
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello my name is XXXX XXXX, I recently reviewed my credit report and notices a few unauthorized accounts. I have tried resolving the issue on my own but can't seem to have them removed which is why I am now reaching out to you. These accounts are affecting my approval for a new vehicle, which I'm in desperate need of. Please review promptly and have them removed from my report. 
Thank you.
Consumer complaint received 2022-11-09
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-08
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. (GA)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2022-11-09
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: Experian Information Solutions Inc. (FL)

Companies did not follow Laws Procedures when it comes to reporting on my credit report history. The Law 15 U.S. Code 1681b- Permissible purposes of consumer reports I have not given permission to the beaurus to show on my credit report some accounts neither they have a court order.
Consumer complaint received 2023-12-21
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. (FL)

This is XXXX XXXX XXXX please 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 2022-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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. (FL)

I recently reached out to you and asked you to investigate and remove some unauthorized inaccurate Hard inquires from my credit report on the dates of XX/XX/21, XX/XX/21, XX/XX/21 you stated it was factual records and would remain on my credit report. The file File number was ( XXXX ). I also reached out to the creditor ( XXXX  ) and they replied and said they are not reporting any inquires i have attached their response below. Please remove this inaccurate information
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-09
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. (TX)

In accordance with Fair Credit Reporting act Accounts - # 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.
Consumer complaint received 2023-12-02
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

I couldn't seem to get ahead of my Amazon ( Synchrony ) and XXXX 's charge accounts as the balance never seemed to go down. It wasn't until I looked at the statement that I saw I was being charged XXXX XXXX interest. I had no idea that these accounts were Variable Interest and they had jacked it up this high. These companies hide this information in the statement which most people probably don't take the time to look at. And ... credit card and other credit companies always ask you to go paperless and IMO they do this to make it more likely you won't look at the statement online and see any rate changes they've made.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-11-08
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: Experian Information Solutions Inc. (ID)

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. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX & XXXX # XXXX Account name : 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 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 2023-12-21
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. (SC)

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 2024-03-08
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. (TN)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : 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
Consumer complaint received 2022-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Mortgage Acct Number : XXXX for property sold at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

I have contacted 53rd bank several times in an attempt to have my {$800.00} overpayment of escrow refunded to me, but the bank has refused. I sold my property in XX/XX/2022 and the amount in escrow for tax was to be refunded to me. It states this in my closing documents. The company tells me they issued ( and reissued ) the check, but I have not received it. This has been going on now for 3 months. Each call to their office takes hours to complete because their hold queue/customer service is not properly staffed. The escrow overpayment amount was on the website in my account history, but the company has revoked my access to my account history since the mortgage has been paid off. I no longer have access to my statements or anything. I want a copy of my escrow statement which they have not provided and I want a refund of the escrow overpayment.
Consumer complaint received 2022-11-08
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. (GA)

In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-22
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: EQUIFAX, INC. (MI)

in accordance with the Fair Credit Reporting act XXXX reporting agency, 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 a account without my written instructions
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had 5 unauthorized XXXX withdrawal transactions from my checking and savings accounts with Bank of American on XX/XX/2022 on the same day. From my checking account 2x {$980.00} and {$400.00}. From my savings account {$980.00} and {$100.00}. The total of {$3400.00} fraudulent transfer transactions. 
I did not authorize these transactions, I dont know who the other party is, and did not loose my device or share my password with anyone. All transactions were from the same individual. 
I filed a fraud claim with BofA immediately and they investigated the case for 2 months. They initially credited my account with the total amount while investigating. They closed the case indicating that they could not find evidence and withdrew the total amount credited. They cited that they can not refund me the money due to insufficient evidence. the claim numbers are XXXX and XXXX. 
I filed a police report for identity theft in XXXX with the XXXX of XXXX, CA. I subsequently opened a new claim with BofA to start the investigation again. So far, its been more than 10 days that I have not heard back from them. 
BofA is not taking responsibility for these fraudulent activities despite the fact that XXXX is part of BofA. They do not warn consumers that they provide no protection. They can trace the account the transactions was made from and stop or re transfer. The response I got is there is not much we can do about it. I have spent hours on hold over the phone trying to get through their fraud department in order to speak to someone either to open claim or get status update. They did not send email updates on the status. If they can not protect their customers, they should not make XXXX as part of their operation. I have been a victim of identity theft and BofA is not taking any steps to take responsibility or any action to prevent them. This is unacceptable and BofA should be held accountable and refund my money. Thank you for your attention to this matter and I look forward to hearing from you. 
Regards, XXXX