davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-04
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. (CA)

I have been charged {$280.00} in the last 12 months for capitalized interest. I have never asked for a deferment or missed a payment in the last 12 months, yet I was charged this interest anyway. My loans were put into deferrment without my permission. I continued to make full payments while my loans were put into this involuntary deferrement. 

I wrote to Navient and asked Navient to reverse the {$280.00}, but Navient refused. Instead, in the reply from Navient, it stated that they received an update from my school and automatically deferred my loans. I never asked for Navient to do this! In fact, I dropped classes multiple times over the last year and have NEVER had XXXX XXXX student status for any entire month in the last 12 months. Navient acknowledged that I dropped the classes, but refuses to adjust the fees. The fees are equal to an entire monthly payment. 

The Navient representative told me that in the future, I can request that Navient update my account status so that school deferrment is not automatically processed. Of course, there were zero instructions on how to make this request and I do not see on their website where this is possible. 

Also, now that I am attempting to pay down my loans more quickly, Navient keeps changing my loan terms. Two times in the last six months the terms of my loans have changed -- both of which have the impact of lowering the monthly payment and extending the loan term, and increasing the amount of interest that I will pay to them. In addition, I paid two times in XXXX, the first payment was for the amount due and an additional {$45.00} and then 19 days later I made another paymnet of {$2000.00}. I expected the entire {$2000.00} would go to the principal since it was an extra payment made within 20 days of the first -- but instead I was charged {$2.00} of interest.
Consumer complaint received 2020-08-26
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: CITIZENS FINANCIAL GROUP, INC. (PA)

I found on my credit report from XXXX that Citizens Bank of PA did a hard inquiry on my credit on XX/XX/XXXX. I did not apply for credit at that time. Also, XXXX had old late credit card payments from XXXX that they refused to remove. How long does late payments stay on report?
Consumer complaint received 2022-05-16
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX FM XXXX APT XXXX XXXX, TX XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX  OF ) XXXX Balance Owed : {$1000.00}, XXXX ( Original creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$720.00}, XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$750.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  OF ) XXXX Balance Owed : {$650.00}, XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$630.00}, XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00}, XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NY)

Dear CFPB Representative, I am writing to formally lodge a complaint against USBANK concerning the unfair denial of my credit card application. I submitted my application on XX/XX/year>, and was subsequently denied. The reason provided for the denial was that USBANK ( was not my XXXX XXXX XXXX ) believes my account would be used for fraudulent purposes. This assertion is baseless, discriminatory, and without merit. 
I have always maintained a good credit history and have never been involved in any fraudulent activity. The statement made by USBANK is not only unfounded but has caused me significant distress and inconvenience. 
Attached to this letter, you will find a copy of the denial letter from USBANK. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that USBANK addresses this issue and rectifies any erroneous records pertaining to my application. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Consumer complaint received 2022-09-15
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: ECMC GROUP, INC. (TX)

I've reviewed my credit report. After requesting validation, It occurred that this item had not been verified with accuracy and completeness, as required by FCRA. I contacted XXXX : XXXX XXXX XXXX XXXX, asking to verify payment in full; was received in the amount of {$280.00} on XX/XX/XXXX ; in exchange for removal. However, this account is inaccurately reported as a closed and paid collection account. I spoke with XXXX from XXXX on XX/XX/XXXX, approx. XXXX XXXX. She stated they were not a collection agency, but a guarantor. However, my credit report is reporting as a collection account ( Please see attached ). 
This collection account exceeds the statute of limitation, is reported without my consent and is being reported against my right to privacy. It also violates my right to privacy, according to the Fair Credit Reporting Act. I, the consumer have the right to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with FCRA. This account must be discontinued from reporting and deleted!
Consumer complaint received 2024-11-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

This debt collectors has violated the fdcpa 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


This collection was disputed and was removed from my credit report because it could not be validated. This company has now re-repored this known inaccurate information and has caused financial harm and difficulties by knowingly reporting this information on my credit report. This is not acceptable and saying they did not know is bull. I want to be compensated for this direct violation of the fdcpa and these illegal tactics.
Consumer complaint received 2022-09-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (IL)

On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions 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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-09-28
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: Sunlight Financial LLC (NY)

Sunlight Financial NMLS ID XXXX XX/XX/XXXX has placed a solar order under my name and ran my social security with out my authorization I have not been in any kind of agreement or contact with them since XX/XX/XXXX when one of there door to door reps came to my home to silicate Solar energy, I emailed them regarding this order and that i didnt order this service there reply on XX/XX/XXXX was that they acknowledge my email and will contact the installer to email me, which means they are now attempting to install this service which was illegally ordered under my name, and my identity was saved in there database and unprotected,
Consumer complaint received 2022-09-28
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXXs rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-23
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. (PA)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 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. 

I have sent numerous letters via Mail and have not had a response back yet. 

I have attached a screen shot of the account that is reporting inaccuracies and I have went the extra mile to circle the errors that's hurting my report. 

I have included my government issued Id and proof of address for verification because I do not want to delay this issue any more than it has by being ignore by the credit reporting agencies
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2022-10-05
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 need some help, I have disputed this account on my credit which shouldn't be it's not even mine. Equifax did nothing, just dismissed my dispute. Please help the account in question is XXXX XXXX XXXX - REPORTED AUTHORIZED USER WHICH I WAS REMOVED THIS SHOULD NOT BE ON MY CREDIT FILE
Consumer complaint received 2022-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (WI)

I have been in good standing with my student loans since I graduated with my XXXX in 2001. I have been paying student loans with interest for over 20 years. I had XXXX and XXXX loans. 

Since the Income Based Repayment plans were announced, Ive been on that plan and its saved me because I dont make much money ( Im presently a XXXX XXXX XXXX ). 

However, since Biden has announced relief and this PSLF waiver which I completed, my service provider - American Education Services- recently stated to send me emails which report I wont qualify for earned loan forgiveness due to my loan status unless I consolidate my loans further m. But, if I do that, my provider tells me I wont be allowed to stay on the Income Based repayment and my payments shoot up to more than my mortgage. 

I also already DID consolidate my loans through my service provider American Education Services and presently only have one monthly payment. 

American Education Services did not provide information about the student loan relief until recently, it didnt say why my loans were excluded from COVID relief until recently and now it tells me I have to get off my IBR plan before XX/XX/XXXX or I wont receive loan forgiveness. 

Despite my working at non-profits my whole life and paying my loans for over 20 years and yet now owing XXXX of XXXX more than I did before, it seems there is no way Ill ever pay these loans off. I should have been an investment banker, I guess.
Consumer complaint received 2021-12-07
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. (DC)

EQUIFAX AND XXXX ARE XXXX XXXX XXXX XXXX COMPANIES THAT LIKE TO TORTURE AND DESTROY XXXX PEOPLE AND XXXX VETERANS!! THESE IDIOTS AT THESE XXXX COMPANIES REFUSE TO REPORT PAID CLOSED ON ALL MY XXXX STUDENT LOANS THAT WERE DISCHARGED DUE TO XXXX! THEN, THE COMPANIES LIE TO THE CFPB AND THE PUBLIC AND SAY THEY WERE INVETIGATED AND PROPERLY REPORTED WHICH THEY WERE NOT!! THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANIES LIED TO THE FEDERAL GOVERNMENT AND VIOLATED FCRA WHICH IS A CRIME!! MY STUDENT LOANS ARE ALL DISCHARGED/PAID/CLOSED ZERO BALANCE AND YOU WERE TOLD THIS BY XXXX AND YOU ARE DELIBERATELY REPORTING OPEN OR A BALANCE WHICH IS ILLEGAL!! SEE ATTCHED DISCHARGE LETTER!! REPORT ALL MY XXXX STUDENT LOANS PAID CLOSED ZERO OR I WILL SUE YOUR COMPANIES FOR EVERYTHIG ITS WORTH, AND GO TO THE MEDIA WITH MY COMPLAINT!! YOUVE BEEN REPORTED TO THE ATTORNEY GENERAL OF THE STATE YOU DO BUSINESS IN GEORGIA AND CALIFORNIA AND DC ATTORNEY GENERALS OFFICE!! EQIFAX REFUSES TO ALLOW ME FOR STUPID REASONS, ACCESS TO MY FREE ANNUAL CREDIT REPORT!!
Consumer complaint received 2022-10-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

When I applied for rooms to go credit card XXXXXXXX XXXX was in the store, and no body told me about security card program, I never received any information about it and I NEVER agree with this monthly charge. I called so many times to cardsecurity and request a copy of my agreement whit this service and they send me a letter telling me I agree when I click on my application online, that is incorrect because a employee on rooms to go did the process for me. 

I cancel the service, and they offer me XXXX dollars for the inconvenience! I claim a fraude process but they only said wrong information about my account. I was unemployed for 1 year since covid, if I know a had this service for sure I was applied for the benefit. 

I called Rooms to go and after talked with XXXX representatives any one give me a solution, I called myshyncronic bank To make a fraud claim for take my money without my permission. 

I tried to contact the 3 companies a any one wants to fix my problem and security card do not have any record about contract or agreement showing my permission o prove of this purchase. 

I requested the statements from XX/XX/2017 and they are on the way. I send you a statement from XXXX with a unauthorized charge from my security card.
Consumer complaint received 2021-12-07
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)

I disputed my XXXX XXXX / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.