davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I submitted a dispute to Transunion on XX/XX/XXXX concerning late payments on all of my XXXX and XXXX XXXX XXXX student loan accounts. I included documentation from XXXX XXXX XXXX  showing all 8 of my students were never late and were covered under forbearance without a break in dates. Transunion removed all late payments on all 8 of my student loan accounts between XX/XX/XXXX and XX/XX/XXXX. I received a new credit report via mail to confirm this. Between XX/XX/XXXX-XX/XX/XXXX, Transunion inserted 1 late payment per student loan account back onto my credit report. On XX/XX/XXXX, I received a call from my mortgage lender who informed my that my loan process ca n't proceed to closing because my credit score had dropped XXXX points. On XX/XX/XXXX, I talked to a representative and informed her I am in the process of closing on a home and this information have halted my closing process. She told me that if I get another document from XXXX with a more current date to fax it and the payments would be removed. On XX/XX/XXXX, I called and talked to a different representative. She said they had not received my fax of the documents. I asked her once they receive these documents how long would it take to remove the late payments. She informed me due to the situation it would be immediately since there were notes already placed on my account stating what was needed. I called on XX/XX/XXXX and spoke to another representative. She told me they have received my documents but they could not remove the late payments. I never received written notification that these late payments were added back on my report, which in violation of Sec 611 of Fair Reporting Credit Act. The only way I knew that the late payments were added on my credit report is by the mortgage lender, who called to say that my loan process could not proceed until this is cleared up. I am currently in the process of closing on a home and these late payments have not only halted that process but has caused tremendous amount of stress.
Consumer complaint received 2017-08-23
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. (GA)

Since XX/XX/XXXX I have been having problems with XXXX XXXX / Navient with repayment options. I been in positions when I was able to make payments on auto debit from my account but was still receiving late fees on my account even after setting up auto payments. The did not credit me back or take care of this issue which causes me to pay more money toward fees and not even towards my balance. After a few years I went through some hardship and explained to Navient the private loan department my situation, they put me in a unaffordable programs and told me that it was my only option. I made several attempts to keep up with the program and due to rising payment and additional late fees it put me in more hardship. Then I was denied XX/XX/XXXX for lowering my payments again due to hardship from over paying these loans and was sent two documents regarding a lawsuit against me for either not making payments on time or not making full amount payments. I was told even if I pay the minimum I would still be taking to court .. these payments were anywhere from 400- 1000 dollars a month and my yearly income is only barely XXXX Year. I told Navient I would be gladly to pay but I need an option that will be doable based on my income and I was denied and threaten to be sued. They harass my family exposing my business to people in my family I did n't want to know that I 'm going through tough times, they hound and call my phone several times a day. They are calling family members that I never authorized for them to call in case of an emergency. They are saying that they will basically hinder my future if I do n't pay them XXXX a month in late fees..when I originally applied for these loans I was told that these were federal loans and that I would be giving a payment based off my income as little as 0 - 60 bucks. Come to find out these loans are from a private lender and that 's why I 'm being sued. I have been paying on these loans for 4 years and my balance only dropped barley 2,000 dollars after 4 years..
Consumer complaint received 2017-08-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Merchants Automotive Group LLC (NH)

I had received a call from the credit company that I have my car loan from, which is through the car dealer directly. I had been 14 days late on my payment, which I had completely been aware of. I had missed the call due to being at work where it is nearly impossible to answer my personal phone. A voicemail had been left that the car had been XXXX due to the late payment and that the were sending a " repo '' man. Now mind you, I had not heard that voicemail until later in the day. With that said, I was in the middle of conducting an interview at work and receive an urgent call from office staff. They informed me that a " XXXX '' was here for me and I informed the staff that I was in the middle of an interview. I finished the interview and the front staff informed me that a " repo '' man, XXXX, was here and booted my car. How is this acceptable to send a repossession company to enter the place of employment to render a vehicle, and relinquish my personal information with employees in the office who are NOT aware of my financial situation. This not only reflects poorly on that dealership but more importantly defames my character in front of others. This is not only embarrassing but has caused me emotional and physical distress due to my private information being discussed with unauthorized persons. This is a clear violation of the Federal Trade Commission.
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-10-21
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. (TX)

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-21
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: Experian Information Solutions Inc. (CA)

Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account.

Account Type : Home Equity Creditors Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. 

Thank you.
Consumer complaint received 2017-08-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I purchased an investment property with a pay option ARM loan ( number XXXX ) with an option to increase my principal borrowed by 10 % which I could use to borrow against to help pay my monthly interest, much like a line of credit. During the years XX/XX/XXXX thru XX/XX/XXXX IndyMac Bank only reported the interest I borrowed on the original amount of the loan and not the additional borrowed interest, that they referred to as deferred interest. In XX/XX/XXXX OneWest Bank acquired IndyMac Bank and in XX/XX/XXXX when they foreclosed on my property they provided me with a Form XXXX that included the unreported interest ( Deferred Interest ) in the original principal amount which is reported in box 2. of the Form XXXX. The instructions for Form XXXX specifically do not allow for interest to be added to the principal in box 2. Therefore I am requesting IndyMac Bank-OneWest Bank-CIT Bank provide me with a corrected Form XXXX or corrected Form XXXX for years XX/XX/XXXX thru XX/XX/XXXX. I have attached copies of my documents and Bank documents. The Bank 's loan history documents match my figures to the penny.
Consumer complaint received 2017-08-23
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. (PA)

XXXX, XXXX and Equifax are all reporting a fraudulent account on my credit report. Account # : XXXX for {$16000.00} opened XX/XX/XXXX. I received a letter from XXXX XXXX on XX/XX/XXXX that I needed to pay a Direct Parent Plus Loan for {$16000.00} ; Account # : XXXX. ( XXXX was not one of the options listed above for a loan holder choice ) I immediately called them to find out what this was about. They told me I opened a student loan in my name only for my daughter XXXX XXXX and that I was responsible for this loan and it was in my name and my name only! I believe my ex-wife ( divorced in XX/XX/XXXX ) used my social security number without my permission to open this account. This account is fraudulent and I will not be held responsible! I did not sign any documentation or approve this loan to be opened in my name. My ex-wife 's name is XXXX XXXX XXXX phone number XXXX and lives in XXXX, GA. I reside in the state of Pennsylvania and had no knowledge of this loan.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: On-Site Manager, Inc. (NY)

I applied for an apartment that usese a third party credit reporting agency called onsite/ XXXX XXXX. They pulled this report on or around XX/XX/XXXX. It listed several false accounts in collections. I quickly reached out to the associated collection agencies both XXXX and XXXX University and obtained letters from both stating that the items should be removed from my report. Yet XXXX refuses to remove the erroneous information. This is preventing me from getting my apartment and is greatly impacting my life.
Consumer complaint received 2017-08-23
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: Experian Information Solutions Inc. (MA)

XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks -  included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XXXX/XXXX/XXXX. I have a print screen ( dated XXXX/XXXX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
Consumer complaint received 2024-10-11
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. (AR)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account below : XXXX BANK XXXX
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank has been regularly reorganizing the order in which charges are processed through checking accounts in order to increase the amount of overdraft fees. Most recently I realized I was going to go into overdraft because a refund that was supposed to hit my account was applied incorrectly by the state. While they are researching where that money went to and my knowing that my account would now overdraft, I began taking screen shots of my account each day as I knew Citizens had a history of reorganizing transactions in order to increase the overdraft fees. I 've been charged {$100.00} so far for 3 transactions which I have printed documentation had not thrown my account into overdraft. When I called the bank they advised that a pending transaction caused those overdrafts and would not waive the fees. When I advised them that I had been taking screen shots of the banking site and printing the proper documentation that this was not the case, I was advised that they could only go by what the system tells them on their side and refused to refund any of the charges. The issues occurred on XX/XX/XXXX, XX/XX/XXXX. The three charges were for grocery shopping I did on XX/XX/XXXX. The transaction the bank claims to have caused the overdraft was processed on XX/XX/XXXX from a doctor 's appt. A full day later. Now of course this has thrown even more into overdraft and I stand to be charged another {$300.00} in fees. I do not regularly overdraft my account and am so disgusted that the banks get away with this. Another note is that we received money as part of a class action lawsuit just 2 or 3 years ago for Citizens Bank engaging in this very practice.
Consumer complaint received 2024-10-29
Product: Credit 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: GOLDMAN SACHS BANK USA (GA)

I've had NOTHING but constant problems dealing with this company in reference to everything but foremost with the way they handle disputes & fraud. After researching I see that they're actually ALREADY in trouble about these same issues & something needs to be done expeditiously. Cause us as consumers are the only ones suffering from this. Goldman Sachs are NOT doing their jobs in regards to handling or investigating disputes properly. They just bill you for transactions that you didn't make & /or fraudulently. Even when they themselves sent you alerts telling you that suspicious activity is going on with your account and it's been compromised. They take forever getting back to you & IF they choose to they just make up stuff & say they've investigated when in fact they haven't whatsoever. I've even sent proof of things with tracking numbers, videos, email exchanges and tons of these showing that transactions aren't legit but yet they don't care to do their jobs by even checking into it. They even pretend to dispute transactions but NEVER do. My apple wallet was compromised with several of my cards and EVERY other CCC that was compromised handled things accordingly EXCEPT Goldman Sachs. They have my account maxed over & above by just throwing charges and fees on there that I'm not responsible for whatsoever. Just so much ridiculous nonsense. I have just about every kind of credit card there is to have but this Apple Card with Goldman Sachs is by far the absolute XXXX! Then I asked them for a hardship program due to ALL of this yet they told me one isn't available for me. But they can just treat & scam me however they choose to do. They promise to have supervisors call you back when you contact them to complain. They NEVER DO THAT EITHER! I seriously don't understand their purpose. I am XXXX & also have a XXXXXXXX XXXX and these issues are affecting XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that is being reported on my credit report. The following accounts contain false information, which is adversely affecting my creditworthiness and my ability to secure necessary financing for my family and me, such as obtaining a home : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Additionally, I have identified collection accounts that do not belong to me : XXXX. I XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information. I request that you conduct a thorough investigation of these accounts and remove any false information from my credit report. 

Please provide me with written confirmation of the results of your investigation, and if you determine that the disputed information is inaccurate, please ensure it is corrected promptly. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2017-07-25
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (MA)

Navient has deemed a debt marked as  Default. R eopene d the Defaulted Loan and changed to Deliquent. There are no payments or any authorization for this this. The company  will not forward me any documentation in terms of payments and how much money was allocated towards these payments from before the loan became defaulted. Incorrect billing and lack of information from Navient.
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

A COMPLETE modification package was sent in and the review process started. XXXX documents were requested by SLS and sent in that same day. On XXXX SLS stated they are refusing to review the file as the sale date is TOO CLOSE. The loan mod review had started. IN CALIFORNIA, a complete package must be in 7 days prior to the sale date. The sale date is set for XXXX. SLS is dual tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a homeowners home while simultaneously considering the homeowners application for a loan modification. Rules issued by the Consumer Financial Protection Bureau ( CFPB ) as well as various state laws and the National Mortgage Settlement ( NMS ) offer protection to homeowners in this situation. The CFPB rules, which became effective XX/XX/XXXX, strictly limit the ability of mortgage servicers to foreclose on a borrower while also negotiating a loan modification. SLS is discriminating against XXXX XXXX based on her race, ethnicity, language, national original At this time, we are demanding the sale date be postponed to continue the review or XXXX XXXX will assert her legal right in district court naming SLS as a defendant