davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

Hello CFPB, I have been making reduced payments to Navient since XX/XX/XXXX due to financial hardship while my account was being reviewed. Navient then stated that I need to make higher monthly payments without clearly communicating nor acknowledging the program requirements. I have been in communication with Navient to continue with the reduced payments to prevent my private loan from going into default. I have sent in paperwork to show I can not make higher payments and was denied ( 3 ) times. One of the reasons I was denied according to a Navient representative was, " the director has an issue and/or does not agree with the amount you pay for rent. '' Navient phone call recording will validate this conversation. I have recently spoken with a representative multiple times this week starting ( XX/XX/XXXX ) via phone in attempts to negotiate and was not advised that my account was already placed in default. I received a letter in the mail today ( XX/XX/XXXX ) that was allegedly written and mailed on ( XX/XX/XXXX ) stating I have until ( XX/XX/XXXX ) to " make suitable payment arrangements '' even though I'm currently still making the same reduced payment. I believe this is fraudulent activity and illegal practice on behalf of Navient. I would like to explore other options to discover a reasonable solution resolving this issue that ultimately does not result with my account in a default status. 

Thank you for reviewing this matter. 

-XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

I am not liable for this debt of {$29000.00} with XXXX XXXX XXXX IN Account Number : XXXX ; I do not have a contract with them and did not receive FUNDING, They did not provide me with the original contract as I requested with my wet signature and ID verification. Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. Also the company is updating the balance of my account every few days which is against the law according to 15 U.S. Code 1692 ( a ) ( b ). I will attach screen shots of the info as well. This is my 2nd attempt to get this matter off of my credit report it is affecting my life and putting me in jeopardy of living a fair life. The recent update to the balance has dropped my credit score down XXXX points and I am ready to file a report with the Federal Trade Commission for illegal practices of my credit. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT PROFILES IMMEDIATELY.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns. 


XXXX Credit Card XXXX XXXX limit Late Payments on Experian XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX not showing account* discrepancies Discrepancy with reporting XX/XX/XXXX and XX/XX/XXXX No missed payment Cares Act of XXXX discrepancy
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (IL)

On my credit report. This is not my debt. I have done no business with this company. It is fraud. They are not using my address. 

CREDIT COLLECTION SERVIC Last reported XX/XX/year> {$260.00} Open balance CREDIT COLLECTION SERVIC Original creditor
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NY)

I deposited a check from my XXXX XXXX policy for {$15000.00} on or about XX/XX/XXXX. Till this day Santander Bank has not released the funds to me because they claim the check is counterfeit. Meanwhile I am paying loan interest of 5.25 % on the {$15000.00} and it's been well over 50 days since I initially made the deposit. I have contacted the branch XXXX XXXX XXXX XXXX XXXXXXXX well over 10 times and spoke to the corporate office and they've given me nothing, but q run around answer regarding my deposit, and they have no time frame of when I will get my {$15000.00} back. Plus, they have since closed my account and not have given me my checking account balance of {$280.00} which makes it a total of {$15000.00} that they are robbing me of plus 5.25 % interest. I'm begging you to assist me in recovering my lost monies because I can't afford a lawyer to help me recuperate my losses. I am currently on XXXX XXXX XXXXXXXX and just got out of the XXXX XXXX XXXX XXXX after a 40 day stay period. 

Please do the right and noble thing and help me to recover my lost {$15000.00} plus interest.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Contacted Credit card company regarding an online purchase for event tickets which I have not received yet. The event is on XX/XX/XXXX - I purchased them on XX/XX/XXXX and expected to receive them by now. No actions were taken by my credit card company - they allowed this 3rd party ticket vendor to charge me almost a year in advance and they will not take this {$3000.00} charge off of my bill.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/2018, my credit limit was decreased and the company didn't inform me prior to making this change. I had a good standing with my account and did not have any late payments. Last year I was laid off from my employer and still made on-time monthly payments for the 8 months I was out of work to my account with Synchrony. In the past, I would pay off my balances in full but while unemployed, I started making the minimum payment. I have never carried a balance greater than 35 % of my XXXX credit limit. I did have 2 late payments on other accounts on my bureaus that have nothing to do with Synchrony. Therefore, I believe the incompetence of the underwriters of this company to lower my credit limit was unnecessary. Originally I had a credit limit of { {$800.00} } and it was decreased to { {$220.00} } which now because of my XXXX balance has affected my credit score by increasing my credit utilization and decreasing my available credit limits. There is no reason for this decrease. I emailed and received a response that makes no sense whatsoever regarding my situation.
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

Between XXXX through XXXX, several XXXX XXXX XXXX of U. S. Department of Education managed FFEL 's # XXXX and # XXXX disbursed to XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX, the then Financial aid Director admitted FFEL # XXXX disbursed to it in the amount of {$5000.00} was refunded to XXXX XXXX. To date that loan has not been credited to my FFEL account ; XXXX  on XX/XX/XXXX, admitted that XXXX XXXX XXXX XXXX XXXX XXXX refunded FFELs # XXXX and # XXXX in the amount of {$10000.00} -- ( # XXXX {$4200.00} ; # XXXX {$6000.00} ) neither was refunded on XX/XX/XXXX, or to date those FFELs were not credited to my account. XXXX between XXXX thru XX/XX/XXXX garnished wages, offset federal tax refunds and garnished XXXX incomes. It confiscated over {$18000.00} for FFEL # XXXX debt of {$4200.00} disbursed to XXXX. XXXX violated DOL provision of 15 % of disposable income. It took 17 %. It owes me {$14000.00} without interest. U. S. DOE disbursed FFELs # XXXX thru # XXXX to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX attended XXXX and XXXX ; however, XX/XX/XXXX, Secretary of Ed., XXXX XXXX withdrew Council on XXXX XXXX XXXX XXXX accreditation and neither school was entitled to participate in XXXX XXXX  funds. DOE failed to conduct XXXX, it disbursed {$26000.00} to XXXX schools with accreditation. Roughly {$70000.00} of loans repaid, fraud and ID theft used to obtain loans was not credited to reduce my alleged debt.
Consumer complaint received 2018-07-17
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: FORD MOTOR CREDIT CO. (GA)

I contact Ford Motor credit and have sent them documentation to show that I was not the one that opened this account. They have refused to assist me and getting this matter resolved. Ive sent them all documents that they requested. I even called and was told that a letter was sent to me requesting additional information but they sent it to the fraud address.
Consumer complaint received 2018-06-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (TX)

I get a call at XXXX  from Dynamic Recovery Solutions. They hang up, I call them back. Get the automated voice saying that they are Dynamic Recovery Solutions and to hold for the next available agent. Before they had time to say much of anything I informed them it was 8am ( work nights ) in the morning and that I'm reporting them. They asked what the last 4 digits of my SS # are, I hung up. Their number is XXXX. I don't have any debt now. I have an excellent credit score and there are numerous complaints about this company 's tactics. This has to stop. This is harrassment.
Consumer complaint received 2018-06-22
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: EQUIFAX, INC. (CA)

Unauthorized Inquiries XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I called Equifax and they refused to remove the inquiries but gave me a security freeze and fraud alert. I want these unauthorized inquiries removed.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2018-07-17
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)

XXXX account was transferred to XXXX XXXX XXXX XXXX XXXX XXXX card couldnt settle the account cause it was transferred to XXXX XXXX. XXXX XXXX  took the payment and settled on this account. Was being reported as paid charge off on XX/XX/18 now on XX/XX/18 saying charge off again. Please update as paid charge off settled in full XXXX bal. XXXX # XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

My accounts 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 reported to be removed/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.

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.
Consumer complaint received 2018-07-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (GA)

I have received a collection on my credit report from Credit Management I have not received any mail allowing me to dispute the validity of this debt before they put it on my credit report. Once I have received that I will pay any debt in full once I have reviewed it.It needs to removed from my credit report until then.
Consumer complaint received 2018-03-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

A collection in the amount of {$630.00} reported by XXXX XXXX XXXX is posting to my Transunion report. XXXX XXXX XXXX has stated in response via Cfpb to me that they have ceased collection activities. Transunion continues to report the account after they initially removed the account once without notifying me within 5 days.
Consumer complaint received 2018-06-21
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: Santander Consumer USA Holdings Inc. (FL)

on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

We had prepared ourselves to present a modification package to Carrington Mortgage when we received a modification offer from Carrington Mortgage by a person that we believed to be an employee of Carrington Mortgage and later found that he was a *middle person whatever that means. 
What is means to us is the Person XXXX XXXX aka XXXX XXXX - office ( XXXX ) XXXX Mobile ( XXXX ) XXXX contacted us on : I am reaching out to present loan modification terms on request from Carrington, please advise if your client is interested in the terms below. 

XXXX Good faith payment XXXX Principle Balance 4 % for 40 years {$1400.00} PI $ XXXX 5 month Trial There was an agreement of {$10000.00} down payment XX/XX/XXXX, 5 payments of {$14000.00} and - {$10000.00}. after the last trial. 

He requested that the proof of funds be submitted by the end of the month. Proof was submitted. 
We submitted the proof of funds, XXXX XXXX would not respond to any e-mails or phone calls. Finally we reached him on his cell phone. All of the time wasted we could have submitted all necessary documents to qualify for a loan modification. Some type of workout. XXXX XXXX stated that it was necessary to send any documents because the offering was a stream lined modification. From XX/XX/XXXX until yesterday XX/XX/XXXX we have been anticipating a loan modification with the terms just explained in this letter. 
While in conversation with XXXX XXXX he stated that a letter of denial was sent out, no one received any letter of denial. I asked why he said he did not know. 
I called carrington Mortgage and they know very little about all that has transpired????
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am filing this complaint against FLAGSHIP CREDIT ACCEPTANCE and the credit reporting agency Equifax. FLAGSHIP CREDIT ACCEPTANCE has failed to provide the IRS Form 1099-C as requested for my account, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, they have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines . However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of Forms 1099-C for debt associated with my account XXXX XXXXXXXX which has been reported as " charged off. '' According to IRS Publication XXXX, a charge-off is recognized as a taxable event that should result in the issuance of a Form 1099-C to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide Form 1099-C : The creditor has not provided the required Form 1099-C, which is necessary for me to accurately report any canceled debt income to the IRS.

Improper Monthly Reporting of Charge-Off : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ). 

Income Reporting Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (TX)

Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXX account. I explained to Security Credit Service that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was rude/disrespectful etc. I ask Security Credit Service for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that Security Credit Service purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.