davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

Navient will only offer graduated payments which makes my student loan payments over {$2000.00} a month. I 'm a XXXX!! I 've explained to them many times we have nothing to live on, much less keep a roof over our head with a payment like that. I 've managed to keep it in hardship forbearance for several months now. A few months ago my student loan balance was XXXX, as of today it 's XXXX. I have not borrowed another cent since 2012. I 've tried to pay what I can on them, but XXXX a month is just too much on a XXXX 's salary. Besides, is there not a loan forgiveness program for XXXX at XXXX XXXX XXXX?? I asked and was bluntly told I was n't eligible even though I 've been at a XXXX XXXX XXXX  for 9 years! Please help!! These people are going to make me XXXX and homeless!
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Original company : XXXX XXXX XXXX {$94.00} ) Debt Collector : XXXX XXXX XXXX Reason : XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left Pennsylvania 4 years ago and this charges showed up recently. I am single divorced mom with XXXX young children.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone stole a XXXX XXXX XXXX check in the amount of {$9800.00} issued to me by XXXX XXXX XXXX XXXX ( XXXX, NY, partner bank XXXX Bank ) and was able to open a fraudulent account at Bank of America with only my name as it appeared on the check and then cashed the check on XX/XX/XXXX. No verification was done. Bank of America denied a claimed filed by the issuing bank ( XXXX Bank ) claiming that the check was " deposited into an account with my name '' no other biographical information was associated with me. Another department of Bank of America confirmed that the account was not mine and sent me a statement confirming that I did not have an active account since XXXX. I have contacted the Fraud Department of XXXX Bank to no avail. Now no one wants to accept responsibility for their negligence. How do you open an account with just someone's name? and how are you able to cash their check with no verification?
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 





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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



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

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2021 EMPLOYER : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date Of Inquiry:XXXX XXXX Date Of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXXXXXX  XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX  XXXX Date of InquiryXXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX  Date of InquiryXXXX XXXX  XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of InquiryXXXX XXXX Date of Inquiry: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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$68.00}
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am very upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2019-11-24
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. (CA)

I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

I opened a checking account with Santander Bank on XX/XX/XXXX. 
On XX/XX/XXXX, I initiated a transfer of {$15000.00} from a different bank of mine into my new Santander checking account. The opening deposit was processed on the same date and finds were withdrawn from my other bank account on XX/XX/XXXX. 
However, my Santander bank account was locked soon after, pending further review of my initial deposit. It has been more than 15 days now, and my account is still locked after multiple phone calls to Santander bank customer service. My funds are now locked and I am unable to access my funds.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

Received an email from XXXX XXXX XXXX XXXX of a decrease in credit limit. I have not missed a payment and always pay more than due. The credit limit decrease made it so that a report of 91+ % usage of available credit.

I then called Synchrony the card issuing bank. I ask the customer service representative why the limit was decreased. The representative read me the letter and referred a credit company 's ( XXXX ) phone number to request a {$9.00} report. I believe the lowering of my credit limit is an action allowed according to the Fair Credit Act and could negatively impact my credit score. I was trying to increase my credit score when I initially accepted the card when offerred.
Consumer complaint received 2019-11-24
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. (CA)

I applied to rent an apartment today XX/XX/19 and sadly I did not get approved because there are several accounts reflecting badly on my credit report. I looked over the accounts and realized that none of them belong to me. I did not open any of those accounts nor have I ever allowed anyone to open them in my name. I'm not sure who these accounts belong to but I personally do not have any written/verbal contract with any of those companies and I never took part in any payments or purchases regarding those accounts. I also never gained anything such as money, goods or any other benefit from these accounts. I have already filed a police report in hopes of getting this cleared up.
Consumer complaint received 2022-01-20
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: EQUIFAX, INC. (TX)

Hi, I've tried asking Equifax through several debt validation letters sent on XX/XX/XXXX along with certified mailed returned receipt to send me all documents in my credit file that their sending me accounts are verified. Equifax is not allowing me to exercise my rights as a consumer to validate an alleged debt. Equifax knows that a company must have proof of validation of the alleged debts and has a job to make sure it is reporting entirely accurate and fairness of credit reporting. Equifax received this letter on XX/XX/XXXX and this debt collector has not sent me any documents that I asked for they are violating 's my right to validate the alleged debts, It has been far over 30 days since they have responded with the information request. I would like to demand audit trial for the accounts listed/furnished inaccurately : XXXX XXXX, XXXX and Dept of EducationXXXX XXXX Equifax also deleted the inquiry XXXX and reinserted with sending me a reinvestigation letter within 5 days of them reinvestigating this inquiry. I did not authorize nor benefit from the following inquires. According to FCRA the following inquires must be blocked and removed ( XXXX XX/XX/XXXX ) This is an injustice to continue to violate my rights as a consumer boldly, I also never gave them written permission to furnish this report no consent is identity thief, and they know that as well.
Consumer complaint received 2019-06-25
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (SC)

I filed a complaint with FedLoan Servicing about the misreporting of my timely payment. I have asked them to update the information to current going as far back as 2015 when my loans was handled by the Dept of Education/XXXX and South Carolina XXXX XXXX. I'm not sure if when the loans was transferred there was an error but I would like for it to be fixed. I have reached out to the company on two separate occasions to no avail. She there response below.
Consumer complaint received 2017-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Original company : XXXX ( {$140.00} ) Debt Collector : XXXX XXXX XXXX XXXX was completely paid because my utility was paid by government program due to my poverty level and joblessness. I left New Jersey 5 years ago and this charge just showed up on my credit report. I am a single divorced mom with XXXX young children.
Consumer complaint received 2024-03-12
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: EQUIFAX, INC. (NV)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KS)

I am a public servant who has been employed by the same government employer for over 10 years. I have diligently kept track, followed the regulations, and re-certified my employment annually after that became a recommendation. I had to appeal to XXXX at one point to correct my PSLF month count because I was told Mohela wasn't showing my payments. Finally got that corrected and then my loan was transferred back to mohela right before I qualified for forgiveness with 120 months. It has been well over 90 days since I applied on XX/XX/2022 for the finalization of forgiveness. Since then I have contacted them multiple times and get the same " it will take 90 days message. '' My application is not complicated, my employment has been certified for years and my counts are up to date. I am deeply concerned by the number of people complaining that Mohela has had them waiting over 6 months or longer. At the end of the day, Mohela is a government contractor servicing a government program for government employees. PLEASE hold them accountable to the people who are desperately trying to help themselves here.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXXL Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date Of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXXXXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

I had an insurance claim back over 2 years ago in 2015 ... the check was made out to both myself and Mortgage company ( now Ditech ). After getting work done, I had the insurance company out to property where they did a 70 page inspection. please note that insured coverage amount is more than {>= $1,000,000} and I owe less than 4550,000 so their collateral has never been at issue. I have forwarded that inspection repeatedly to Ditech. They refused to release money to me ( me being the one who paid all the premiums that Ditech simply escrowed ). Since I had shown them that their collateral was fine ( more equity than when loan was taken out by a good stretch ) I told them to credit the money to my payments. Ditech now has refused to even accept my subsequent payments and I am at risk of foreclosure. Ditech has a consent decree with the Mass AG 's office, regarding their doing this exact thing to other Massachusetts borrowers. Please help. THX
Consumer complaint received 2022-01-20
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-12-19
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. (DE)

My name 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.SXXXX Code XXXX 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 2024-03-12
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: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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
Consumer complaint received 2022-05-26
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)

In according with the fair reporting act XXXX accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

XXXX, Equifax, and XXXX all have listed hard inquires without my authorization.