davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (IL)

I signed for a student loan for my son XX/XX/2007. I made payments, principle and interest, from the onset of the loan. My son had taken over the payments and last year checked his account to see that his loans were paid I full. He had three student loans with Navient. After the first of the year, I began to get emails from Navient on an old email account that I no longer use. I ignored them because the loans had been paid in full. Then I received correspondence from them and phone calls. It was then that they indicated to me that one of his loans still had a balance over {$4000.00}. I was surprised that in 15 years, we had not paid it in full. The customer service representative I spoke with indicated that overpayments on the account went towards future payments. I did not request that overpayments be applied toward future payments. Whenever I have borrowed from a financial institution or credit card company and have made overpayments, I have always had the extra go toward the principle of the loan. I went to my Navient online account to try to see what happened. My account showed our payments from XX/XX/2007, but the spreadsheet did not include loan balances as payments were made. I made a request to Navient asking for a complete accounting spreadsheet for this loan. They have replied by letter indicating this is request would require extensive time and please narrow my request to a 24 month period. I think I am entitled to a full disclosure of payments made and how those payments were applied to the loan. If Navient did not apply overpayments toward the principle, then they have been charging us interest on monies that have already been paid. Your assistance will be greatly appreciated.
Consumer complaint received 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX5 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 2022-05-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of American sent me a letter saying they were closing my credit card with no explanation. They actually closed ALL of my personal and business checking and savings accounts as well, so I have no access to any of my money, and they are telling me there is nothing I can do and they will mail me a cashier 's check in about ten business days. They gave me no notice of this as their letter was simply referring to my credit card. Now I have no access to my money, no access to my business accounts, and no explanation or warning as to why they did this.
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

tried multiple times trying to close my account. They can not close my account with money still in account on XX/XX/XXXX. Then I transfer out, they still did not close my account and keep charging me monthly fee with no reply for not closing successfully. Now, they charged me another two month fees. XX/XX/XXXX, they want to transfer in to cover the fee then wait another ten business days call to close the account. If I wait another 10 business days, it is time for them to charge me another month fee.
Consumer complaint received 2023-04-08
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)

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  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 inaccurate.

15 U.S. Code 1681 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2024-03-04
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. (ME)

15 U.S. code 6802 A financial institution may not disclose financial information to a third party umless I give consent. I.e Taking my information and giving it to someone else ( Equifax, XXXX, XXXX ) seems to be a direct case of identity theft! 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Acct # XXXX Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Act # : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Last XXXX digits of acct ; XXXX and XXXX
Consumer complaint received 2022-05-23
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. (NC)

In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX I have submitted a complaint with theXX/XX/XXXX I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.
Consumer complaint received 2022-05-23
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. (TX)

We have sent letters documenting the inaccurate information. The verified with the creditor and said all of the information is correct. They did not do any investigation other than asking XXXX XXXX This is against the FCRA regulations.
Consumer complaint received 2023-04-08
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. (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. 

Account name : XXXX Account number : 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 2024-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter again as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX : XXXX Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00} XXXX : XXXX  Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00}. Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate.
Consumer complaint received 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 


XXXX. XXXX XXXX OF XXXX XXXX XXXX {$7600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$3600.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$5300.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$4000.00} XXXX. XXXX XXXX OF XXXX XXXX XXXX {$9300.00} XXXX. XXXX XXXX CRED XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MI)

Hello, For the past several years I've been unable to get my free annual credit report ( via annualcreditreport.com ) from Experian. Every year, without fail, I get the following message ( as I assume millions of other Americans are too ) : We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

Annual Credit Report Request Service XXXX XXXX XXXX XXXX, GA XXXX. 

I believe that Experian, for some unknown reason ( s ), is not making individual 's free annual credit reports available online, forcing them to mail in their requests, and thereby dissuading individuals from requesting their reports due to the inconvenience of having to mail in their requests. This is a scam and it must be stopped. This vague " CONDITION '' can not possibly be on-going for years and years. It is a scam and a fraud that Experian is perpetrating to avoid fulfilling their obligation and responsibility to those whose information they collect and retain. 

Thank you.
Consumer complaint received 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 


1. US DEPT OF EDXXXX XXXX BALANCE {$7600.00} 2. US DEPT OF EDXXXX XXXX BALANCE {$4300.00} 3. US DEPT OF EDXXXX XXXX BALANCE {$3600.00} 4. US DEPT OF ED/XXXX XXXX BALANCE {$5300.00} 5. US DEPT OF EDXXXX XXXX BALANCE {$4000.00} 6. US DEPT OF ED/XXXX XXXX BALANCE {$9300.00} 7. XXXX XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Secllan 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

This company has only caused headaches. I have a history of contesting a public record entry, and I am fully supported by the evidence. Every time I submit this company a disagreement, I get a holding letter requesting identification to prove that the claim is actually coming from me. Every single letter I have written to this bureau has been accompanied by many certified letters and countless forms of identification. I recently received another STALL mail from this company asking for additional identification just a few days ago. I am currently frustrated and utterly fed up. This will be my final attempt before filing a complaint with the attorney general and filing a suit for forcing incorrect information upon my credit report.
Consumer complaint received 2022-05-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC (TN)

XX/XX/2022 of {$170.00} Sequium Asset Solutions LLC sent me a letter that I never had nor apply for so I was trying to see can I get this off my credit because I never had a XXXX XXXX XXXX XXXX account I dont ever know what that is
Consumer complaint received 2022-05-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I was never late on a payment. I paid biweekly for the length of mortgage. The company changed its software and couldnt take bi weekly payments. Monies were still sent in electronically thru my back. The mortgage company went me checks back, then said I was delinquent? This is a mistake on their behalf and it should not reflect on my credit report. This mortgage has been paid in full. In reality the mortgage company owes me the money back from late fees.
Consumer complaint received 2019-11-23
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)

XXXX, equifax and XXXX  has information on my credit report that i did not gie my permission to report. i had not notified of these accounts. this information is inaccurate/not mine/fraud. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX, XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX  XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
DEPT OF EDUCATIONXXXXNOT MINE, PLEASE DELETE. 
XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE,  PLEASE DELETE. 
XXXX XXXX XXXXNOT MINE, PLEASE DELETE.
Consumer complaint received 2022-05-23
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. (GA)

On XX/XX/2022 I sent in a letter to the company ( Experian ) requesting several accounts to be verified, updated or removed that were reporting to my credit file. These accounts are reporting incomplete, inaccurate and unverifiable information. The company refused to properly investigate these debts allegedly belonging to me. They also refused to inform me of the outcome of their investigation. 

This information has negatively impacted my credit report and the company has refused proper investigation, verification and/or removal of these inaccurate accounts.
Consumer complaint received 2022-05-23
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. (CA)

I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.
Consumer complaint received 2022-05-23
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. (CA)

I sent a letter off on XX/XX/2022. Here 's my tracking number XXXX. To remove personal information that I don't not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution isn't suppose to share my information to third party people. 

These are clear violations of my federally consumer rights.
Consumer complaint received 2023-10-16
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 XXXX XXXX XXXX XXXX XXXX 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 2022-05-23
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number 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. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate. 

By definition The IRS Clearly says a Canceled or Charge is Income. The reporting of this account as a debt is inaccurate. 


In accordance with the Fair Credit Reporting Act XXXX XXXX  Account Number 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. 

Congress clearly states if a consumer report ( credit report ) does not INCLUDE TRANSACTIONS or EXPERIENCES between the consumer ( XXXX XXXX ) and the person XXXX XXXX, XXXX ) making the report which makes your reporting of this account inaccurate and ILLEGAL. 

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 ( XXXX XXXX ) and the person ( XXXX XXXX, XXXX ) making the report ;