davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

2 accounts were opened in my name of the same day through Bank Of America on XX/XX/2022. There is one charge for {$75.00} that I know of. There is supposed to a be a block on my social security number so that no one can open a credit line using it until I prove my identity first. I dont understand how a credit line was opened not once but twice on the same day.
Consumer complaint received 2023-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (UT)

I sent XXXXXXXX XXXX XXXX  an email on XXXX XX/XX/XXXX at XXXX PM MST in regards to a packet of papers received in the mail. Stating I owe {$1000.00}, plus any legal fees and other incurred fees. I stated in the email, if they can not furnish the original application with my valid signature then they must cease and desist in the same email sent on XX/XX/XXXX. They just sent me another packet of information, dated XX/XX/XXXX. I received this other packet today, XX/XX/XXXX. Their law firm is currently in violation of the FDCPA ACT. Plus that debt they are presenting is not even mine and I can prove it. Also, this account was opened in XXXX, according to the application of whoever opened it. This is over the statute of limitations of 7 years. I have also gone ahead and filed the necessary form on the utahcourts.gov website on XX/XX/XXXX, and served their law firm with them as well. The form I submitted was the Debt Collection Answer Form.
Consumer complaint received 2015-11-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I am filing a complaint against Navient because I am stuck in my tracks, and do not know where to turn to. I need to reduce my monthly private student loan payment of over {$700.00} due to financial hardship, and have gotten nowhere with the Navient customer service line. Over the course of the past few months I have placed many calls, and the only guidance I have received is to request a forbearance, as I am ineligible for deferment. I will not accept that the only solution to paying off my loans is to continue tacking on insurance payments to the principle amount ( {$90000.00} when combined with my public loans ). It would simply be financially negligent if I were to do so, and if Navient were to allow ( promote! ) this. I am XXXX years old, have no credit, have a low income with no way to pay off this gigantic debt in my lifetime - sound reminiscent of the 2008 housing bubble? It sure does to me. 

I have requested a payment that allows me to meet my other necessary living expenses - via multiple customer representative phone lines and email contacts - time and time again. I am always provided with the same response : Call the main phone number. Request a forbearance. 

I can not get a clear answer on what other options are available from Navient, while I have heard of many people accomplishing a lowered monthly payment through unknown avenues. 

I have sent paystubs, budget information, and bank statements seeking an alternative repayment plan, and have been circled back to the " solution '' of forbearance each and every time, ensuring that I will be adding to my debt in perpetuity, while barely meeting the minimum payments to avoid defaulting. 

I am not asking for loan forgiveness. What I am requesting is a common-sense approach to repayment : income-based payments, graduated payments, etc. Not forbearance. Not accruing interest endlessly. If my requests for a reduced payment plan is not granted, I will be at risk of default. 
I need Navient to reply with real, genuine information and help, rather than suggesting I try talks with a stiffly scripted customer service phone line or email address that will return me to square one. I 've dealt with this too many times thus far. 

Education is supposed to be the bedrock of the American Dream - something that is meant to establish a level playing field, where every young person can begin his/her professional life on equal footing. 
These private student loan companies have cast the field at a 90 degree angle, and those of us who were not privileged enough to find ourselves with college funds are grasping desperately onto the edge, running the risk of falling off the field completely. 

I am XXXX years old. I am already in a lifetime of debt, and Navient 's only solution is to add onto that.
Consumer complaint received 2023-01-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I, XXXX XXXX, consumer, On XXXX XXXX, I talked to a representative from Capital one and they stated I was approved for a XX/XX/2022charger, from XXXX XXXX XXXX XXXX XXXX. 
My denial of XXXX XXXX XXXX XXXX XXXX offer of down payment towards the vehicle, cause me not to be able to negotiate, and XXXX XXXX unfair and deceptive practice, cause me not to obtain the vehicle. 
On XX/XX/XXXX, Capital One then Declined my credit. ( see attachment )
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have sent Equifax numerous requests to remove this fraudulent account from my credit report. XXXX XXXX  is the XXXX who was reporting this fraud account and as of XX/XX/2022, XXXX XXXX  mailed me a letter stating that they are holding me responsible for the account but they have previously removed this from my credit reports. I sent copies to Equifax by fax and by mail and they continue to report this account even though XXXX XXXX claims they have stopped reporting. Equifax continues to claim XXXX XXXX  had verified this account belonging to me recently, but is not true since XXXX XXXX  says they have previously stopped reporting. Please see attached documents as proof.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

XXXX is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online XXXX account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my XXXX account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want XXXX to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

I have a Lowes CC through Syncrony Bank. I paid off my account on the due date of XX/XX/XXXX They assessed a late fee on XX/XX/XXXX a day before it was late. They said it would be reversed when the payment posts, but in my opinion I should not have been assessed a fee until XX/XX/XXXX at least. Also, if it takes them 24-48 hours to post the payment, the fee should not be assessed until they get payments posted for that day. I paid online through their website so they knew about the payment when I called them. This is heavy handed unfair practice and makes me feel like I am required to pay before the bill is actually due.
Consumer complaint received 2023-01-10
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: CITIBANK, N.A. (MO)

XXXX XXXX is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), protects applicants from discrimination in any aspect of a credit transaction transactions include : Consumer credit and Standards of creditworthiness. 
Due to this action it further exacerbate my credit worthiness that will harm my Family financial outlook.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/ I noticed misinformation on my XXXX XXXX account in the amount of XXXX I called XXXX XXXX and they told me to it would be updated immediately as of today XXXX XXXX XXXX this issue has not been resolved I have been unable to get answers from XXXX XXXX and it is costing my credit score to have been dropped XXXX points XXXX XXXX is not cooperating to have this information updated on my credit report thank you
Consumer complaint received 2023-01-10
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. (GA)

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 XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (AR)

I was two months behind on my vehicle loan due to my family catching COVID and me being out of work over a month. On XX/XX/XXXX I created a catch up plan ( as they call it ) with Ally Financial. The email that they sent stated, Once complete, you will return to your regular monthly payment schedule. I paid the 4 payments of {$830.00} ( the amount set by them ), each month on the due date agreed upon. My last payment was made XX/XX/XXXX. They are saying I am still behind on my auto loan. I owe for XXXX and all of the late fees that were continuing to be charged during that time, so they were not figured into my repayment. Ultimately I have successfully completed my part of this repayment plan and I am still behind. I feel all missed payments and fees I was being charged should have been figured in to my catch up payments, so that at the end I was indeed caught up like they stated in their email that I would be. These practices by them are predatory and misleading. They are now asking me to make another payment for XXXX. I stated several times to the customer service person that I wanted to file a formal complaint with them and that it should not be called a catch up plan if Im fact you are not caught up at the end.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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. 

XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (DE)

I applied for a refund of {$10000.00} for student loan payments made during the XXXX payment pause in XXXX, XXXX. At the time, my loan servicer was XXXX. I followed up with XXXX multiple times in the months of XXXX and XXXX and was told my application was pending. In late XXXX, XXXX I received notification that my loan was being transferred to Aidvantage. I have tried multiple times to register for my account on Aidvantage since then. When attempting to register my account, the Aidvantage system is telling me " account not found ''. I called Aidvantage in XXXX and XX/XX/XXXX and was told that they could not find my account either time. I was told in XXXX that it could be XXXX, XXXX before I received account information. As of today, XX/XX/XXXX, I have not received any correspondence from Aidvantage about my account other than a confirmation that they received a complaint filed. I also am not able to register on the Aidvantage website and still get the " account not found '' message. At this point, I am not sure if my application for a refund is even still active.
Consumer complaint received 2018-11-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (NY)

The Company XXXX XXXX XXXX called my cell phone and harassed me at work and claim to have sent me a letter via mail. First they said I had a debt of XXXX  with the irs from XXXX/XXXX, which was filed and accounted at the time. Second, the claimed debt is over 5 years old and the company could not validate the debt. The staff presented this to manager who was informed that they were sent a letter to cease and desist all phone calls and would only be permitted letters at this time. 

The debt has still not been validated and the company is being asked at this time to provide written proof of debt which it has failed to do
Consumer complaint received 2018-04-02
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. (TX)

Two collection accounts have just appeared on my credit report. They are from XXXX XXXX XXXX XXXX and XXXX XXXX. These should not be placed on my report! They are fraudulent! See old dispute letters!
Consumer complaint received 2023-01-09
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. (FL)

CFPB + TransUnion, This complaint is in regards to many inaccuracies on my TransUnion credit report dated XX/XX/2023 that need to be corrected. 

Attached to this complaint are : - My drivers license- shows my identity and address - My written complaint detailing each incident with proof Please have these corrected as soon as possible.
Consumer complaint received 2023-01-09
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. (MD)

Hello. I have been informed that the credit reporting agencies are reporting theres a balance On XXXX XXXX XXXX XXXX that was discharged in my bankruptcy and also I have been released the car and all responsibility to this loan and car. 
They are reporting a balance and inaccuracies on this. 

I have attached proof and Bankruptcy documents that show it was added in my XXXX  XXXX as well as discharged.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (CA)

American Express sent me an invite to sign up for a business checking account with a sign up bonus of XXXX XXXX  Reward Points sometime before XX/XX/2022. I started to fill out the application but I never hit the submit button and just closed my browser and decided against it. On XX/XX/2022, I saw the sign up bonus went up by XXXX to XXXX points. I went into the American Express web site and click on a link with the XXXXXXXX XXXX sign up bonus, I filled out everything and met all the requirements for the bonus. However, American Express only credited me with XXXXXXXX XXXX bonus points. They claimed that I started the application with a link that only qualified for XXXX XXXX points even I never submitted that application. And they refuse to credit me with the missing XXXX points even I submitted the application under a link I clicked on their web site that clearly stated the bonus was for XXXX points.
Consumer complaint received 2018-04-02
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. (NJ)

XX/XX/2018 and XX/XX/2018 there were XXXX hard inquiries put on my account which I did not apply for any XXXX XXXX card. I called them up about the situation and they had said it was fraud and would remove these inquiry to the credit company 's but have yet to do so ...
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

The accounts identified in the attached file are a result of identity theft and do not relate to any transactions made by me. The identified accounts also contain information solely as to transactions or experiences that should be excluded from any consumer report.
Consumer complaint received 2023-01-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc. (FL)

'm being approved for the XXXX Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the XXXX Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. Last month on XX/XX/XXXX after multiples calls and emails, they posted the XXXX payments for XXXX and XXXX after they email back with the following explanation. The checks never came to XXXX and were instead applied by payment services as the loan was current. We thought that the payments we were seeing for those dates were paid by the borrower as we never saw the checks. The XXXX achs I have just applied the amounts to the XXXX on XXXX XXXX loan. They should show in the XXXX by Friday the XXXX. This should hopefully clear up everything that was missing on this loan. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. And charged late fees when in reality the checks get on time to the company. I spoke with the contact from XXXX, and she sent me the following, XXXX XXXX We show both payments made. XXXX was paid on XX/XX/XXXX, and XXXX was just paid on XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX Paid XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX if they are sending the payments on time, it is taking more than a month to be applied in my account???
Consumer complaint received 2023-01-09
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (IL)

13 Accounts : ED FINANCIALXXXX Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not

transfer. T he Act also limits the sharing of account number information for marketing purposes.

( 15 U.S.C. 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the Federal banking agencies or other regulators.

Also, Sections 131-133 of the Act ( 15 U.S.C. 41 note ; 12 U.S.C. 1828b, 1849 ) clarify the application of the FTC Act and other FTC statutes to subsidiaries and other affiliates of depository institutions, and provide for certain interagency information sharing. 
If I have to I will take this to my lawyer to make sure these student loans are deleted because I have spoken with XXXX and told me they would remove these Accounts but nothing was done.