davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-26
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)

I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XX/XX/2020. XXXX granted the XXXX plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a XXXX plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( XXXX ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a XXXX  of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX  ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.
Consumer complaint received 2020-10-03
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. (VA)

For a period from approximately XX/XX/2002 to the present the U.S. Department of Education ( XXXX, XXXX XXXX, etc. ) has failed to report accurately the information on my credit report ( s ). There are verifiable payments made from three different credit union accounts ( XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) where XXXX XXXX XXXX is the accountholder in which she has paid student loans in the amount of $ XXXX {$300.00} or more per month but the information is not reflected on her credit report ( s ). XXXX XXXX XXXX has received education for XXXX XXXX programs and earned degrees ( XXXX and XXXX  ) as well as a educated in a minor of XXXX  ; earning ( holding an XXXX ) and finally a XXXX XXXX XXXX ( XXXX ) that has been placed on hold ( deferment ) due to financial aid or U.S. Department of Education errors at a XXXX  University.
Consumer complaint received 2020-09-26
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. (CA)

I had asked for reduced payments with XXXX so I did not miss any payments since I had lost my job in XXXX 2020. XXXX granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from XXXX. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to XXXX falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by XXXX still reporting those hardship payments as delinquent. I need help!!!
Consumer complaint received 2020-10-03
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. (MA)

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-26
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: Lending Club Corp (CA)

I had asked for reduced payments with LendinfClub so I did not miss any payments since I had lost my job in XXXX 2020. LendingClub granted the XXXX  plan and I was allowed to make interest only payments for 3 months. I had a written agreement from LendingClub. I paid as agreed within the grace period, but collection calls began immediately. I was told that I was only making partial payments. I was reported as 30 days past due several times to the credit bureaus despite me explaining to each collection agent that I was on a hardship plan. I had to explain it to each caller several times a month during the period of the XXXX  plan. My credit score dropped and I was denied a lease and mortgage due to LendingClub falsely reporting that I was delinquent. Despite disputes with the credit bureaus, calls to managers and a finally a XXXX  complaint, no one is helping me. I am being harmed by LendingClub still reporting those XXXX  payments as delinquent. I need help!!!
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

During the Pandemic I called Barclays and enrolled in the covid-19 relief program. I have two notices from them saying I was enrolled and XXXX saying my XXXX  was extended for XXXX  months on XX/XX/XXXX stating I did not have to pay for XXXX billing cycles. Despite this, Barclays reported to the Credit Bureaus a late payment in XXXX when I was clearly led to believe no payment needed to be made. This has significantly damaged my credit report and damaged my ability to get credit for my XXXX  including government relief programs.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

I could not log in to my experian account with my username and password. i thought in first instance that i forgot my username and when i click forgot username, Experian sent my username via my email which was the same i used to log in initially. When i applied it to the link sent experian link stated that that user name not found in their system hence could not move further i contacted via email same link sent without result. I called Experian customer service # and the first information automatically asked was your social security #, when i entered that options available will not allow me to speak to a live agent. This problem been going on for about 3weeks now and what so frustrating about it was i was sent a link to give review on customer satisfaction i did not do yesterday. Experian is the official credit reporting company to my XXXX XXXX XXXX. i cant request my credit report at this time.
Consumer complaint received 2017-10-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (FL)

Despite being supplied information to the contrary, Ditech Financial LLC continues to attempt collection of a debt that was defaulted on by the original creditor. Ditech Financial LLC continues to report this debt to ALL major consumer reporting agencies. 
This debt was previously held by XXXX XXXX XXXX XXXX and it was extinguished in XXXX XXXX Case XXXX. ( Documentation attached XXXX Ditech Financial LLC has been emailed these details by our attorney, yet still persists.
Consumer complaint received 2020-10-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (NY)

I signed paperwork from XXXX XXXX at m & t bank about changing my portfolio to lower my interest rate on XX/XX/2020. I signed everything that I was supposed to as I read about lower interest rates and was told a refinance wouldn't make sense as I didn't have anything to put with it but a change of portfolio would be better. The paperwork I signed had the effective date of XX/XX/2020 I have contacted the bank multiple times about being overcharged they stole money from me, as I have automatic payments for my mortgage coming out bi-weekly. They then sent me another set of paper work contradicting the previous paper work I signed having a higher interest rate and payment amount with effective date of XX/XX/2020 I contacted the bank and have been getting the run around. I have never missed a payment or been late in the XXXX I've had a mortgage I'm actually 4yrs ahead on my XXXX mortgage. XXXX XXXX threw her hands in the air when I called and complained about still being overcharged saying not her problem it's the mortgage department 's problem. In the meantime I've been overcharged twice and will probably be overcharged again on XX/XX/2020 I have spent hours on the phone with them, emailing them, and even going to the bank wasting my time, gas, money. Now they are saying if they are wrong there going to apply the extra money they stole from me and apply it to the principal of that loan like it's their money to decide how to spend it? I never gave them permission to take more then the actual payment and because they decided to steal from me it cost me some interest aswell on that account. I have all the paperwork and proof of this, I even took the contradicting paperwork to the branch and I spoke with XXXX who said she doesn't understand why they would do that and would look into what XXXX XXXX is doing. I'm still being overcharged which is illegal per cfpb and, fdcpa which I informed them I have to know these laws for my job aswell as others. I have been made to feel like I'm making this up and it never happened when I have the proof. I've been made to feel like I'm lying, and it's ok for the bank to steal from me. I put my money in the bank to keep it safe and the company that's supposed to protect my money is stealing. They only have wanted to argue with me when I call and speak with the mortgage department, the only people that have been helpful is XXXX and XXXX at the m & t branch in arcade who have said this isn't right and they have to get it up to higher people to fix this. However when the higher up people have contacted me via phone they say they haven't done anything wrong and are doing nothing to fix the problem.
Consumer complaint received 2020-09-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I rented a vehicle from XXXX XXXX on XX/XX/2020 to XX/XX/2020 for a total of {$370.00}. By the morning of XXXX/XXXX/2020, XXXX had charged me {$870.00} ( including the agreed upon {$370.00} ). I immediately notified my bank that these extra charges were not authorized by me, and that my account needed to be blocked from any other charges being made. They immediately froze my debit card from being charged any further. Next, I called my auto insurance company, XXXX XXXX XXXX, to have them help me dispute the charges that XXXX was claiming against my bank account. XXXX failed to honor their obligation to our auto insurance agreement. I then contacted Citizens Bank Customer Service phone number ( XXXX ), and explained to them in further detail what transpired with XXXX XXXX. The Citizens Bank associate told me that they could dispute the overcharges by XXXX XXXX, and that XXXX XXXX XXXX failed to provide good of services. I was advised that I could dispute all charges on my bank account made by XXXX XXXX XXXX, which totaled {$1100.00}. The total of {$1600.00} is being disputed on my bank account against XXXX XXXX and XXXX XXXX XXXX simultaneously. Multiple Citizens Bank associates had told me that the total of {$1600.00} in disputed charges would be provisionally credited to my account multiple times. I have only received a credit for {$200.00} out of the {$1600.00}. After weeks of calling to gain insight on the current status of my dispute, I was repeatedly told someone would call me back ( never received a call back as they had said I would ). Later, an associate of the claims department and the bank manager at my local branch assured me that I would receive the remaining {$1400.00} into my bank account by XXXX/XXXX/2020. I still have not received anything except for the {$200.00} credit on XXXX/XXXX/2020. I have spent the last 45 days trying to recuperate the overcharge from XXXX XXXX and failure to meet services by XXXX XXXX XXXX. When I attempted to visit the Citizens Bank Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX to resolve these disputes, I was refused service and called a XXXX ( I'm of XXXX decent ). On XXXX/XXXX/2020, XXXX XXXX from the Office of the Chairman at Citizens Bank, sent me a letter in acknowledgement of the racist behavior I experienced at the behest of a Citizens bank associate. As I mentioned, it has been 45 days of being told I will be contacted, repeated requests for me to submit the same documentation, and empty promises of credits to my bank account being restored. At this point I do not feel as though they have honored my rights as a consumer of a financial institution and see no resolution in sight.
Consumer complaint received 2023-12-27
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. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. 

I want these items Deleted from my credit reports, effective immediately. I am attaching proof that XXXX has done nothing. 

Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-12-27
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)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}
Consumer complaint received 2022-11-05
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. (MD)

XXXX XXXX XXXX ACCT XXXX XXXX I'm writing to you regarding discrepancies I found on my credit report. 
Why is this account being report with 2 different dates of last activity on the 3 major credit reporting companies also different dates of opening the account XXXX reporting open account and 120 days late, Transunion and XXXX XXXX past due amounts this is a violation of FCRA and also in violation of requisite XXXX  XXXX complaint reporting standards. 
by the provisions of the FAIR CREDIT REPORTING ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX ACCT XXXX XXXX I'm writing to you regarding discrepancies I found on my credit report. 
Why is this account being report with 2 different dates of last activity on the 3 major credit reporting companies also different dates of opening the account Equifax- reporting open account and 120 days late, XXXX and XXXX reporting past due amounts this is a violation of FCRA and also in violation of requisite XXXX  XXXX complaint reporting standards. 
by the provisions of the FAIR CREDIT REPORTING ACT and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate compliant, and verifiable.
Consumer complaint received 2020-10-03
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)

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX. Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.