davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Over this past weekend, XX/XX/2020, I received an email alert stating that my credit report dropped XXXX points! Obviously, this will get anyones attention for concern so I immediately logged in to all of my credit report accounts to do my research. I recently opened disputes for errors on addresses that were not mine and old inaccurate data. 

I was in the process of getting financial funding for my startup, so the past year I have been focused on paying off all my debt with an exception of my large installment loans such as my XXXX car payments and student loans which are all in good standing, as well as I did pay down all my credit balances and am now at credit to debt ratio of 16 %. 

I have called the the 3 credit bureaus and they all couldn't figure out why my score dropped XXXX points. They saw that my credit to debt ratio was low, have paid off my charge off accounts from when I hit hard times a few years ago due to a move, and all my accounts have been on time and up to date the past couple of years. 

They even mentioned, even though there were old delinquent accounts that haven't fallen off, they have been paid in full, as well as had still been on my report prior to the XXXX point drop. 

No one could figure out why as well as didn't have any solutions because they haven't seen this, so here I am trying to fix the problem and get my newest score back of XXXX that I have worked so hard to get to, as well as complete my next step for my startup funding that was about to get approved until this drastic Change. 

Please Help me resolve this as well as with all 3 bureaus who couldn't figure out why it happened. I really appreciate your time. 

Stay safe.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as XX/XX/2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information and unauthorized inquiries in my personal file : XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MONEY SOURCE, INC., THE (CA)

We received a payoff amount in XXXX. I sold my property and closed escrow XX/XX/XXXX. The Money Source ( TMS ) was paid off a few days after XX/XX/XXXX. PRIOR to the payoff, TMS auto debited me {$1600.00} XXXX for XXXX 's payment. This was an error since I paid the property off and no XXXX payment was due. TMS sent me a check for the refund on my escrow account for taxes and insurance, however, has not sent me the {$1600.00} extra payment. I was told I should have received the {$1600.00} by XXXX. It is now XX/XX/XXXX and I called and asked where the payment is. They had no idea what I was talking about and had to open up another case and said they would get back to me no later than XX/XX/XXXX. So it went from receiving my payment no later than XXXX, to they will let me know the most current status no later than XX/XX/XXXX. This company has been holding onto my funds for 6 weeks now and last I called they knew nothing about it.
Consumer complaint received 2022-07-18
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. (FL)

I have 1 employer that is incorrect and 2 previous adresses that are incorrect that need to be deleted. Several inquiries that I did not authorize that need to be deleted. I also have several accounts that are not mine and one that I was never late on and one account i want to validate
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Funding Account # XXXX asserted collection for XXXXXXXX XXXX for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. Midland Funding is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, Midland Funding has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals Midland Funding extending this reporting time by an additional 2 years. 

The actions of this collector is reckless, targeted, and with malice intent.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank closed my account and is holding my money that was in my checking account due to claiming that my first paycheck from my job was fraudulent. They claimed they need to speak to a company representative to validate the check, I gave them XXXX numbers but they said the the numbers are not registered. The Chase rep said she called XXXX other registered numbers and when I asked for the XXXX different numbers she called they were the deli section of XXXX and a parking service of XXXX. Since I work for XXXX corporate I tried giving her the numbers of XXXX XXXX XXXX, but she claimed she cant use those since they are not registered in their system. Now Chase has my money and will not give it back.
Consumer complaint received 2021-10-14
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. (NY)

Neither XXXX or Transunion will allow me to dispute false information on my report. I have called, written and gone online. XXXX has stated it will not dispute my any false address information and fraudulent charges that XXXX will not investigate. 

Transunion has the same information and is harder to reconcile issues with. They will not allow me to setup an account online to monitor my credit. They are reporting false information and fraudulent charges from XXXX and are unwilling to update the information. Transunion allowed my personal information to be left out to the public and was supposed to give free credit monitoring and never honored their responsibility to me the consumer. Transunion has false information about landlord and tenant information, and has kept it on my record although disputed and false past the XXXX allowable public record reporting Period. Transunion has also allowed fraudulent searches of my credit history by XXXX  XXXX XXXX. XXXX  XXXX XXXX was not authorized to have access to my account and I have not business with XXXX  XXXX XXXX to support their access to my credit. Every time I try to dispute it the company does not respond to my inquiries sent by mail. 

Both XXXX  and transunion refuse to dispute incorrect reported information from XXXX XXXX  XXXX. I have attempted for several months to have the information reported to reflect fraudulent charges XXXX will not investigate but chose to award $ $ to a vendor that fabricated work done and did not fulfill their agreement. Both XXXX, XXXX and Transunion have ensured my credit dropped over 80pts chosing to let a fraud charge stay on my credit report and not ever doing anything to validate that the charge was indeed fraud. All three institutions are working against my rights as a consumer which is to protect my financial credit information. 

XXXX XXXX, XXXX and Transunion are stone walling against facts and using their power to prohibit me as a consumer to get justice against fraudulent interest charges and monies paid to a fraudulent company and giving unauthorized access to my credit information and not allowing me the consumer to monitor and dispute my credit file!
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (FL)

There is two current issues with this XXXX XXXX mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt.This is predatory lending practice.
Consumer complaint received 2021-10-20
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: Lending Club Corp (GA)

Greetings, I would like to file a complaint against Lending Club. I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/. In response, the account showed verified. 

As a result, I disputed this account with the creditor. On XX/XX/, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/. In response again, I received the same itemized printout. 

As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Consumer complaint received 2020-08-25
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. (AR)

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/XXXX I send a transfer to my mother in XXXX with Reference Number XXXX. Moneygram ( MG ) often changes their website and options to send funds. When I logged on, the pricing and transfer way structures were different and it prompted me to select which bank I wanted the money to be picked up at before sending the transfer. The two options available were XXXX XXXX XXXX and XXXX XXXX. After consulting with my mother, I sent it to XXXX XXXX XXXX. The money was available immediately according to MG email. My mother went to receive the funds the next day but according to the bank teller no funds were available at that number. I reached out to MG and they told me the money was available and that she should now try another bank. She did but the funds were not available there too. MG was no help and continued to insist that the funds were available. My mother went every single business day to check but the funds weren't available up until Tuesday XX/XX/XXXX. The funds were now available, however the teller told my mom that the bank wouldn't give out money from transaction with purpose of funds as Gift or Bills. When I sent the funds, I always selected Bills, because I send money so that my mother can pay her bills. MG didn't inform me of this regulation at this particular bank or if new regulation of the country. I have always sent money for Bills prior to this and never had an issue. MG said there is no way to change the purpose of transfer except to cancel the transaction and submit again. However the fee of {$8.00} will not be refunded and I will have to pay a new fee, now {$9.00} to send another transfer. Basically robbing me of a fee and raising it just to resubmit the same transfer that they failed to process on same day as promised and failed to deliver at all because of a technicality allowed by their website/system. I asked to raise a complaint with number XXXX, but they said it will take up to 90 days for it to be reviewed, which is egregious.
Consumer complaint received 2023-04-08
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 — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (NV)

I have mailed letters dated XX/XX/23 ; XX/XX/23 and XX/XX/23 requesting validation of the debt, however the only response I have received has been from XXXX advising that the account has been verified. I have not received any responses to the letters I have mailed requesting, the name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If can not provide please remove from credit files
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (FL)

COMENITYCAP/XXXX  
Contact
XXXX XXXX XXXX XXXX, OH XXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-03-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: THE MONEY HOUSE, INC. (PR)

I requested a preapproval letter for a VA loan, which was granted to me. Based on this letter, I place a {$10000.00} deposit for a new home. Basically a year later, about XX/XX/XXXX, the loan was denied and the developer forfeited my {$10000.00} deposit. The loan originator, XXXX XXXX, new the develpment sales person, XXXX XXXX. When the money was forfeited, I sent a message to XXXX XXXX, her response " I'm sorry '' Later, I learned through a realtor that I didn't quslified for a VA loan because I was going through a foreclosure ( still dealing with that ). 

The lender check my credit, they knew about my foreclosure case because it started back in XXXX, nevertheless they game me a preapproval letter for a loan it could not be granted. 

If you go through a foreclosure, you have to wait two years after the conclussion of said process to appply for a VA loan.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

In XX/XX/XXXX, National Credit Adjusters appears to have purchased a debt from XXXX XXXX XXXX XXXX for an account where the Original Creditor was " XXXX XXXX ''. This account was originally opened XX/XX/XXXX, and originally went to collections in XX/XX/XXXX ( according to a previous credit report pulled in XXXX ). As of XX/XX/XXXX, NCA changed the " Date Opened '' on the debt to XX/XX/XXXX, thereby resetting the time the debt will remain on my credit. I believe they did this using the COVID-19 pandemic as some way to justify changing the " Date Opened ''. I have filed disputes with both XXXX  AND XXXX but both concluded the information was accurate, per the information provided by National Credit Adjusters, even after I told them to check my report history and they were able to see the previous account from XXXX  XXXX XXXX XXXX with matching balances while I was on the phone with the Credit Bureau 's Customer Support. However, I have my credit report that was pulled back in XXXX, when I purchased my house, that shows the Original Date on the Debt w/ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and going to collections in XX/XX/XXXX. I'm filing this complaint because I believe that National Credit Adjusters is purposefully committing fraud, using the COVID-19 pandemic as an excuse to " reset '' the original date of debts they've purchased, in hopes of being able to force collection. I have the previous credit reports to backup my information that this debt did NOT originate in XX/XX/XXXX, but in XX/XX/XXXX and due to the debt being eligible to come off my report next year, believe that National Credit XXXX is maliciously attempting to capitalize off of loopholes due to the pandemic, in order to keep the debt on my credit, and possibly even pursue legal action against me in the future in order to collect. Neither XXXX  nor XXXX will explain to me how the Original Date of the account was allowed to be changed, nor what documentation National Credit Adjusters provided to backup their claim. This account is severely impacting my credit and at this point I'm at a loss as to how to protect myself in this situation.
Consumer complaint received 2022-07-15
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: LoanCare, LLC (NJ)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good-standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

LOANCARE XXXX Late Dates XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

I noticed a derogatory statement on my XXXX account from American profit recovery for {$45.00} dollars I do not have a contract with them and I do not wish to do business with them and would like for them to remove this negative account immediately upon my request.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been letting Transunion know that the accounts for XXXX XXXX & the inquiries on the identity theft report are not mine & need to be deleted. I keep getting the run around and items still reporting.
Consumer complaint received 2021-05-15
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently disputed federal student account that were removed from my credit report, after I sent disputes letters one XX/XX/20 about the validity of the accounts referenced in " attached '' documents. They failed to provide original documentation supporting the alleged claim that I own a debt to them. 

It is unlawful to remove accounts from my report and then add them back, I haven't received valid proof of validity. Also I was not notified of alleged debt a minimum 5 days before it was reported to my report which is false reporting! 

Therefore you are in violation of : -15 U.S. Code 1692g ( 4 ) -15 U.S.C. 1692g I will file for litigation if the violation of my rights continue, ALL accounts in my " attached '' letters need to be deleted from my report immediately.