davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX XXXX - there is no balance information on this account or any dates.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Received a call from a group identifying themselves as XXXX XXXX XXXX  group in CA from XXXX said they were trying to resolve a {$5000.00} delinquent Bank of America credit card they stated from XX/XX/XXXX I have never had a card with Bank of America. I told them that and he stated I would be facing legal ramifications. I called Bank of America and confirmed they had no account in their system from me currently or previously.
Consumer complaint received 2020-12-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30-60 days gives a reason to immediately remove those items from my credit report it has been over days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2018-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Navient/Sallie Mae added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. Navient or Sallie Mae added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. XXXX XXXX should have caught this error. I am requesting that you all forgive the whole total balance due to Navient and Sallie Mae 's fraudulent activity and XXXX XXXX ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX  XXXX University in XXXX and did not attend XXXX XXXX University until XXXX. Please see the attached file for documentation.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states the consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX
Consumer complaint received 2020-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL) (GA)

Hayt Hayt Landau PL. filed suit for a " Debt '' they claim is owed to them. There have not been any contract entered in with such company ( except notice mail. later ) and by attempting to " collect '' are in violation of a default notice ( certified letter XXXX sent asking them to show verification or validation or cease actions. They failed and now have filed a suit. 
Their claims are invalid and are of a fraudulent construction. All details are not revealed making them further incorrect in their claims. They also have not told the price they bought consumers debts for.
Consumer complaint received 2018-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a remaining balance of $XXXX in my account on XX/XX/XXXX or XX/XX/XXXX. My debit card along with other very important information was lost. I travel 70 miles each way to work daily, therefore, I stop at multiple gas stations along the way. I am unsure where my organizer/wallet was left. Bofa keeps denying my claim for many various reasons each time I appeal the decision. One reason was that I had to have known the person. Bofa cannot and will not tell me who I am acquainted with and who I am not. I worked with the police in my city, XXXX, GA. the officer sent me pictures of the perp and I told the officer I have never seen him. I can and will swear under oath in a court of law that I do not know that perp. Upon filing the police report the officer informed me that it was a few cases going around like mines. he also stated that if I had something to do with this that it would come back on me as well. I have been battling Bofa since XX/XX/XXXX for my paycheck and IRS refund that was deposited in my account on XX/XX/XXXX. I do not feel they should be able to apply my checks to the negative balance because the fraud was not my fault. another reason for denial is that Bofa states that they called, texted and emailed me of the fraud and I verified that it was me. That is a lie. if someone notified me that my account was being compromised, does it make sense for me to say, "ok, that's fine". I was not aware or informed of the fraud. the email they are speaking of was never opened. I still have the email in my archives. I told Bofa that I received many emails from them daily and did not open them. On to the text message. the phone number that Bofa had on file for me has never been my phone number. A Bofa representative told me that they called a XXXX I told the rep that I have never in my life had a phone number with XXXX. That is how I know I was not informed of the fraud. the reasons why Bofa has denied my claim are bogus. each rep has given different information totally opposite form what the previous rep stated. the person of interest in this case obviously knows/knew how to work Bofa system. Now, Bofa wants me to pay for their mistake and its not fair to me. Bofa let someone call with my very detailed privileged information,inflate my account, to retrieve false funds. I do not know the perp, so how am I responsible for this? I have been with Bofa since XX/XX/XXXX and have never filed any complaints. I have always liked banking with Bofa. since this incident I do not recommend anyone bank with them. there has been no evidence that I had anything to do with the fraud that was associated with my account.
Consumer complaint received 2021-12-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, 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. (TX)

After reviewing my Transunion, XXXX and XXXX XXXX XXXX, I noticed Inquiries I do not authorize nor recall granting written authorization ( XXXX ). Please investigate to see if accounts : XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion ******Please make certain you have Perfect True Correct Verified Validated Claims of contract showing my wet ink signature, if not, and you find deficiencies with mentioned accounts please delete immediately. Thank you
Consumer complaint received 2021-12-03
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)

Experian has not removed the XXXX account despite it being past the eligible reporting date. The account had a date of XX/XX/2021 removal and it was not removed. I could not dispute it on the Experian website because I have disputed it before.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX  - 1.XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) XXXX  - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) EXPERIAN - 1. XXXX XXXX  (XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX (XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.
Consumer complaint received 2021-12-03
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. (NJ)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2021-06-25
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: LEXISNEXIS (GA)

I have sent several certified letters to XXXX  Credit Reporting company asking for their verification process of Bankruptcies. I provided XXXX  with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my Lexis/Nexis account. I have received a letter from Lexus/Nexus informing me that they removed my information as well. XXXX  refuses to delete this unverifiable information. My next step will be to take legal action. 

Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX
Consumer complaint received 2019-08-26
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. (GA)

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Consumer complaint received 2018-03-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (TN)

Payment due XX/XX/XXXX. Have been unemployed since XX/XX/XXXX. Have made payments since losing my job but simply dont have the funds. Tried to reschedule payment for a later date with a late fee attached but am being forced to enroll in forebearance or be reported to a collection agency for 1 LATE PAYMENT. Have been making payments through auto-pay for past 6yrs on time.
Consumer complaint received 2019-09-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

XX/XX/2019, I went into XXXX XXXX  in XXXX XXXX Indiana and I also tried to open an account with XXXX XXXX and Fifth thirdbank, at XXXX. I wanted to just open a regular certificate of deposit. The banker told me that I owed two banks from XXXX and that i would not be able to open an account until it is paid off. I am starting a new job in the area and I can't open an account anywhere. I tried to open a checking account and savings at fifth third and they told me the same thing
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (TX)

Credit Karma promised free credit score. But apparently, they have been giving me totally off score and rather focus more on selling me new credit cards and services I don't need. 

Only until recently when I need to apply for a mortgage that I figure out my score has been and always been 90 points higher than what they report. 
And this is not a timing issue since they have been showing me at 620-630 for 4+ months. The actual score I got from the credit report pulled by mortgage lender is XXXX. 

I want to report this claimed to be a free service and rather a marketing company trying to make money off avg. customers like me.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL 3 " CRA '' CONTINUE TO VIOLATED " FCRA '' SECTION 607 WITH REPORT FRAUD AND OUTDATED ACCOUNTS NOT MINE AND NEVER DONE BUSINESS WITH COMPANIES : " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

On Thursday XX/XX/XXXXXX/XX/XXXX2019 my credit score was XXXX on Friday XX/XX/XXXXXX/XX/XXXX Transunion, XXXX, XXXX  dropped my score from 34 to as much as  89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting Transunion they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States.; I want the score returned to the mid 600s or a legitimate explanation why it is not!
Consumer complaint received 2019-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Applied Data Finance, LLC (MI)

I received a communications regrading a settlement involving predatory lenders who illegally are charging higher interest rates than allowed by the applicants state of residence. This entity file a lawsuit against similar predatory lending on behalf of consumers regarding the unethical lending practices. The lawsuit indicated the lender violated federal and various state laws by ( a ) making and collecting loans with annual interest rates in excess of the amount allowed by state law, ( b ) lending to consumers when these entities were required to have a license from a state to lend to consumers and they did not have that license, ( c ) services or collection activities, ( d ) their involvement in and support of other parties conduct. This lender is operating under the same guidelines. The loan documents I received are deceptive and indicates the laws of the state of Utah will govern the loan. I reside in XXXX. The name of the companies are XXXX XXXX doing business with XXXX XXXX XXXX.
Consumer complaint received 2021-06-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-05-03
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. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$62.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} ; Chapter XXXX Bankruptcy XXXX XXXX Bankruptcy Court Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX MO XXXX ; XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-09-03
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: LEXISNEXIS (NJ)

Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. Lexus nexus and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (VA)

In 2014 XXXX University indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.