davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
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. (PA)

I am writing to file a formal complaint against Navient, the XXXX loan servicing company, regarding their persistent harassment and unfair practices in relation to my XXXX loans. My loans were originally with Navient but were subsequently refinanced with XXXX. The transition to XXXX was motivated by the need for a more flexible and reasonable repayment plan. However, despite the refinancing & lacking the ability to keep up with {$1500.00} - {$2000.00} a month payments, Navient continues to harass both myself and my immediate and extended family members, creating undue stress and hardship for us. 

I refinanced my XXXX loans with XXXX as Navient was unwilling to collaborate on establishing a livable monthly payment plan. Navient insisted on exorbitant monthly payments exceeding {$2000.00} for private loans alone, despite the knowledge of my concurrent federal loans. This lack of cooperation and consideration has compelled me to seek a more reasonable arrangement with XXXX. 

The primary issue I am reporting involves the relentless and intrusive communication from Navient. They contact not only me but also my family members, including my parents, aunts, uncles, great aunts, great uncles, and cousins, multiple times daily. Despite my numerous requests for them to document my concerns and desist from this harassment, Navient has not only failed to comply but has also continued to propose unattainable monthly payment plans and forbearance options. These proposed solutions not only fail to address the underlying issue but also risk exacerbating my already substantial debt by incurring additional unlivable interest. 

Furthermore, I have expressed the impact of this incessant harassment on my parents ' declining health conditions, and yet Navient remains unresponsive to my pleas for a reasonable and amicable resolution. Their refusal to cease communication with additional parties not listed on file, beyond myself and my cell phone number, is both intrusive and inappropriate. 

I am left with no choice but to inform Navient of my intent to report and pursue legal action against them for harassment and unfair practices. Despite this, their persistence in their actions continues unabated. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action against Navient for their violation of fair debt collection practices. I believe that my rights as a borrower are being egregiously disregarded, and I trust that the Bureau will intervene to rectify this situation. 

Thank you for your attention to this matter, and I look forward to a swift resolution.
Consumer complaint received 2017-10-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CT)

Someone in Florida tried to open 5 credit cards using my info. This happened through syncb. They appear on my Credit Report as hard inquiries. They are : syncb/XXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncbXXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX ; syncb/XXXX on XXXX/XXXX/XXXX. I never ordered any of these and would never. 
They appear on my credit report ( through XXXX XXXX ) as hard inquiries and could stay on my credit report for a number of years. Please have them removed and make sure they were never opened.
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2023, I opened a new Citizens Quest Checking account with your esteemed institution using a promotional code that promised a {$500.00} bonus if I made multiple direct deposits totaling {$5000.00} within 30 days of the account opening. I am pleased to inform you that I have diligently met all the specified requirements within the stipulated timeframe. 

To provide you with the relevant details : Account Holder 's Name : XXXX XXXX Account Number : Citizens Quest Checking - XXXX Promo Code Used : XXXX Despite having fulfilled the conditions outlined in the promotion, I have not yet received the promised {$500.00} bonus. I understand that administrative oversights can occur, and I am confident that this matter can be resolved promptly. 

I kindly request your assistance in investigating the matter and rectifying the issue at your earliest convenience. It would be greatly appreciated if you could provide an update on the status of my bonus and, if necessary, any steps I need to take to ensure the timely resolution of this matter.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 2023-12-30
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MS)

I changed the pmt date on the app. Made my pmt. The next month there's a late fee. I explained what I did to them and why was a late fee there. It didn't take he said. So I agree to pay it but there would be another added and I would still have to pay both. But they could take it off on the full balance but I still have to pay it. I said this wasn't my fault but I will pay one fee they said bc of the date I have to pay XXXX. I can't afford that okay but we can't change it. I said I can't so please close it today they called me anyway we went through the same conversation and he said they are adding another late fee. AND REPORTING XXXX MONTHS LATE ON MY CREDIT. This is not right. There is no third party here and I authorize you yo please investigate this fully and not just take what they say to ne true when they respond. Thank you so much.
Consumer complaint received 2019-08-31
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. (MI)

I opened a XXXX XXXX Visa and didn't receive my first bill due to a move. Instead of putting 30 days late, they reported 120 days late! The credit agencies are incompetent! Anyone who has completed 2nd grade could comprehend that a credit account open only 30 days prior couldn't possibly be 120 days late. I have tried to dispute this 3 times already. Equifax dropped my score 55 points because I requested a reinvestigation. I would call this retaliation! There needs to be consequences for these credit reporting agencies as well as those reporting. This is ludicrous! Do I have any recourse?
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I wrote XXXX XXXX requesting validation of this alleged debt on ( XX/XX/2023 ) As of today, the company only response was debt was verified. It has been 60 days. This company have failed to supply the demanded proof of the alleged debt, I want to note that under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following informati

on : 5. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 6. What is your authorization of law for your collection of information? 7. What is your authorization of law for you collection of this alleged debt? 8. Please send evidence your authorization to do busi
ness or operate in the state of ( Michigan ) 9. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.

Best Regards, XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting 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. (MI)

I have noticed inquiries on my Experian credit report. That i do not recognize and ask that they removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

When student loan payments started up, they took a payment ( {$330.00} ) without sending me information to set up my new account with Mohela. Not sure how they had my auto debit information transferred over from XXXX because I didn't even have a Mohela account set up. 

I called them to see why my payment jumped so high without warning or documentation, they also had my PSFL pay off date incorrect. The rep stated that they didn't know and advised me to wait as my loan information wasn't even fully loaded in the system. I requested they pause my payments until it was loaded and filled out a new IDR form. They processed my IDR form and I had my first correct payment ( {$76.00} ) processed on XX/XX/XXXX. 

Today I received a new statement in the mail that shows I will owe {$330.00} on XX/XX/XXXX and online it shows my IDR form is back in review. 

I don't understand why it's in review again and why my payment keeps changing. I've gone through all the proper steps and yet I'm still getting incorrect information and new higher payments.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-12-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MD)

So here is the issue and I will attach all proof to this complaint, I filed a case on XX/XX/XXXX, my document was requested on XX/XX/XXXX and I sent it, the company confirmed receipt of this documents via email, this case would take XXXX days, this case would end XX/XX/XXXX, to my surprise this company sent me a letter on XX/XX/XXXX that my case will be completed XX/XX/XXXX, this company lies a lot as this is not part of the card agreement before XX/XX/XXXX, I will not be violated
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-XXXX ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX this has XXXX XXXX XXXX XXXXXXXX XXXX and financial hardship.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I'm writtining You to dispute old accounts on my credit report. By law, credit bureaus are only allowed to list negative items for a certain amount of time. For most negative information, the time limit is only seven years ( or seven years + 180 days for a charge-off ) : Bankruptcy chapter XXXX-discharged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I needed to talk to XXXX about sending some money so I looked up their phone number on XXXX and called them. I told the XXXX employee that answered the phone what I wanted and he said he could help. The problem was that he was not an employee of XXXX but a Hacker. He instructed me on what I needed to do and thinking he was a XXXX employee I did what he said. He said this would take a couple of days to get this done so he would call me each day for us to continue. This was on XXXX, and XX/XX/2023. I became concerned and went to Wells Fargo and they told me I was being hacked, and I had lost {$6100.00}. from my checking account. The helped me to file a claim with Wells Fargo which was denied. We later filed a second claim and it was also denied.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX under account number of XXXX and an credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX an a credit card account opened on XXXX XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  ) credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-26
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. (NY)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2024-09-14
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} - Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.
Consumer complaint received 2023-12-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for an American Express Gold credit card on XX/XX/XXXX, and I was denied. At the time of application for said credit, I submitted a financial asset which I have received NO benefit from. The application that I submitted online is a promissory note that, based on the securities act of 1933 is being transferred for interest. According to Sec 16 of the Federal Reserve Act, my promissory note is an instrument that is acceptable collateral for this exchange because it is a tender payment. Pursuant to 17 CFR 240.10b-5, you assume civil liability for the sale of my securities.
Consumer complaint received 2024-10-30
Product: Credit reporting 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. (FL)

Hello, I was going through my credit reports and saw hard inquiries that did not have permissible purpose. 

XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX XX/XX/XXXX. This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b. 

XXXX XXXX . This inquiry has no permissible purpose on my report. Please delete this inquiry due to its violation of 15 USC 1681b.