davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (WA)

I had a debt that was being collected from XXXX XXXX XXXX I think last year. And it went on my credit report negatively for {$100.00}. This was not my debt. It was disputed and removed from all credit reports. A year later a company called Diversified Consultants , Inc from XXXX, Florida is trying to collect the debt apparently and it went on my credit report again. I have once AGAIN disputed it through the credit reporting agencies and wrote a letter to Diversified Consultants upon finding it on my credit report. I was never notified by them that they were trying to collect a debt or I would have submitted the investigation paperwork from the last incident. Which, to reiterate was removed due to lack of evidence this was my debt!! Now it seems the debt is being resold and collected again??? I have not heard from Diversified Consultants to date. I want them to remove the negative account from my credit reports and stop collecting against me immediately.
Consumer complaint received 2015-07-13
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (TX)

I sent money through Western Union. It has been over XXXX weeks and money is n't there. WU has simply not helped track the money and keep saying that money has been transferred to the bank, which bank denies. I have now spent number of hours trying to solve this and WU has not offered any resolution and keeps delaying the matter.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: AMERICAN PACIFIC MORTGAGE (OR)

I was pre-approved for a conventional home loan XX/XX/XXXX by All Pacific Mortgage. I provided bank statements, pay stubs, and showed adequate funds for the down payment and closing costs. At that time I was XXXX. I did not find a house to purchase before XXXX. I then found a house XX/XX/XXXX. My pre approval letter expired while I was XXXX. My realtor spoke to the lender who sent me a new pre approval letter since my employment, income and savings had not changed since I got the last letter. The seller accepted my offer but on Thursday XXXX XXXX 2015 I received a phone call from the mortgage broker. He stated that the underwriter and banks will not lend to because I am on unpaid XXXX and I will not be getting paid for XX/XX/XXXX and XX/XX/XXXX. Then the broker stated that they would consider lending to me if I returned to work and ended my maternity leave early. He also spoke to my realtor and stated the same facts. I never received an email or any other form of written communication from the mortgage broker about not being eligible for the mortgage loan due to my XXXX status.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I had a bill with XXXX and XXXX in 2005 that went to collections. I was incarcerated at the time of the collection. They had expired from my credit report and now they keep getting renewed and showing back up. They are closed on my XXXX and XXXX reports but not my transunion. I would like them to be closed on the transunion report as well.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Ballybunion Enterprises, Inc (NY)

XXXX / Military Credit Services charged me {$5900.00} for air travel to XXXX XX/XX/XXXX. The cost of the travel at the time was {$3500.00}. 

I asked for less interest and a lower rate but was told that that was what they had to offer. I took the offer because my father-in-law died suddenly and I had myself and my XXXX children to purchase tickets for with very little time to spare or available resources. 

I did the best I could and paid {$360.00} mthly on this loan since XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX, I could not afford the pay back amount anymore as I relocated and had a lot of unexpected expenses. 

The company ( Military Credit Services ) reached out to me and I always took their call and responded to their emails and explained what was happening. I requested several times that they re-negotiate the loan so that I could pay less. They refused and continued their collection efforts. First they attempted to withdraw money from XXXX of my account XXXX different times. XXXX of the accounts is an account that they had the information for at the beginning of the loan but was told shortly after not to use and another account number supplied to them. 
Second, they reported the collection to the credit bureaus as XXXX separate loans for {$4200.00} with XXXX different account numbers. All this time not accepting my request and offer of a lower payment. 

How do I get this company to1. re-negotiate the loan and allow me to pay less on a mthly basis. 
2. remove the negative reporting as I did not refuse to pay I kept asking for a lower payment and was denied. 
3. Definitely remove at the very least the double reporting that they did - which makes it seem as if I owe them {$8500.00} instead of {$4200.00}.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called the state of CA and was told that the tax liens were filed in error ( I was even refunded by the state of CA ). I was advised by state of CA to dispute this filing error with the credit bureaus to get it removed. So, I did. all that happened is " new information result, which I have no knowledge of what that info is. I mailed XXXX letters to the recording clerk in XXXX XXXX county who never replied!
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX/XXXX/2015, I submitted a dispute online with Transunion credit reporting agency. I stated that on XXXX/XXXX/2015, I paid an original creditor, XXXX, in full on an account listed under a collection agency, XXXX XXXX. I gave the confirmation number for XXXX, XXXX and the full amount paid off, XXXX. Transunion 's 'resolution ' is still showing the collection listing as " XXXX XXXX. '' I did NOT pay the collection agency, XXXX XXXX. I paid directly to the original creditor, XXXX. I also submitted a written dispute dated XXXX/XXXX/2015, with all the information and a copy of my California identification card.
Consumer complaint received 2015-07-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

These companies are deliberately giving consumers the run around. I consistently can not get access through either XXXX or TransUnion. XXXX seems to be the only one that works. XXXX literally makes you FAX information. I do n't have access to such outdated technology. XXXX does allow you to still submit disputes online, but when you actually try to submit the forms, it does nothing! No submit, no nothing. You just stare at the form some more. There are n't that many fields, I can see them all - none are empty. In addition the address field is n't actually long enough to put in my address - if they meant these things to actually work, you 'd think that would have come up before now. " XXXX '' is n't exactly the longest street name in the world. In my opinion, these forms are made deliberately inaccessible and unfunctioning so that people will simply give up. When is the last time you 've ever tried it out not using some dummy account they gave you for demo purposes? My report is so messed up that I probably wo n't be able to buy a starter home despite the fact that I have $ XXXX in the bank, and I can not easily fix it. If you want to know why the housing market is terrible, perhaps it 's because people like me have had their scores messed up by shoddy reporting, and perhaps do n't want to jump through hoops of fire using outdated technology and snail mail just to prove to some garbage in garbage out, soulless algorithm that we meet high standards, particularly when the credit reporting and website experiences do not meet the lowest possible standard - that is, they function. When you consider how much rides on these scores, it does n't give me a whole lot of confidence in the entire system. Not sure why I 'd really want to buy in at all.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

The XXXX credit card account showing on my credit report with a high limit of {$1500.00} is fraud and was opened without my consent because I am a victim of identity theft. I have severally disputed the account in question with the Equifax Credit Bureau requesting them to remove it from my credit report but they have not yet done so. I have also sent them a copy of police investigation confirming that I 'm a victim of identity theft, and furnished them with fraud letters ( attached below ) from creditor. Please I need help with this issue since it is greatly affecting my credit score.
Consumer complaint received 2015-07-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consumer Credit Counseling Service of the Midwest, Inc. (FL)

I started with XXXX XX/XX/XXXX consolidated XXXX credit cards which collected {$750.00} each month the contract stated that XXXX payments and XXXX will be complete, I want a audit on myaccount from an outsider to check if they collected correctly. I paid an extra payment of {$830.00} XX/XX/XXXX which should have beencomplete XX/XX/XXXX My total payments where XXXX months.
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

I made a reservation at a XXXX weeks prior to use. The booking agent would not accept the code for the wedding party discount. I asked to cancel the reservation. He said no unless the motel manger agrees. I asked manager she said OK if the agent agrees. Neither one would cancel and told me there were no cancellations or refunds. 
I appealed to my credit card carrier Chase Card Services and was told I would have to pay even thought they had not seen my circumstances in the form they sent me. 
I was told by Chase Card Services that I would have to pay even though services were not rendered.
Consumer complaint received 2015-07-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (AZ)

When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
Consumer complaint received 2015-07-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: REGIONS FINANCIAL CORPORATION (TX)

XX/XX/XXXX, my stepson, had started a new job. It was a good one, and it seemed that his life was starting to take a positive turn. My wife asked to help him with the purchase of more reliable transportation. We wound up purchasing a new Ford Focus through a dealership near XXXX, TX. I assumed that it would be reliable, and that he would have pride of ownership. I put in a {$2000.00} down payment and agreed to cosign the loan ( Regions # XXXX ). My Father had done the same for me when I graduated from college and I appreciated his assistance. The intent being that my stepson would handle the car payments, insurance, and operating costs. This all went smoothly for a year, until in XX/XX/XXXX, he was released from his employment. Although constantly reminded of his responsibility, he demonstrated minimal motivation for making the car and insurance payments. XX/XX/XXXX, payments began to falter. Being the only one who would respond to Regions calls about the delinquency, I had a number of conversations with your representatives to discuss possible resolutions. I did not see making the payments myself as a long term solution to the problem. I was able to buy a bit of time with the deferment of a couple of payments to the end of the loan with the hope that my stepson would make the payments as required.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

I recently reviewed my credit report online and noticed that, despite multiple disputes, my XXXX  XXXX account is still being incorrectly reported as closed. this ongoing error has had a significant negative impact on my credit score.

I am requesting that this account be updated immediately and accurately reported as open. Please address this issue as soon as possible, since it is affecting my financial standing. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX
Consumer complaint received 2015-07-12
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: REGIONS FINANCIAL CORPORATION (IL)

I signed a mortgage contract with XXXX XXXX XXXX on XXXX XXXX, 2002. Thirteen years later, I discovered mortgage fraud within the Promissory Note although XXXX XXXX XXXX had sold the mortgage to REGIONS BANK, As a result, REGIONS BANK participated in lack of transparency through illegal book keeping entries and propriety trading and bundling mortgages into Special Purpose Vehicle trusts as Collateral Debt Obligations on XXXX XXXX. This fraudulent activity is known as " securitization '', where the mortgage was already paid upon the receipt of the alleged borrower 's signature. Evidence of this fraud is attached copies of the Promissory Note. Notice how Copy A ( which the Defendant first signed ) lacks the signature of a bank representative. However, a close examination indicates the fact that a bank representative of XXXX XXXX XXXX had unlawfully endorsed the Copy B of the promissory note as a check with the " Pay to the Order '' stamp on it not only after I had signed it, but had did so without my knowledge thereof whatsoever and then REGIONS BANK sent a copy of it during the foreclosure proceedings. As a result, the promissory note was reported to the United States Treasury and Federal Reserve Bank as an asset ( See Exhibits ). These banks have not reported any of this transaction to the INTERNAL REVENUE SERVICE. This is an act of fraud, extortion, racketeering and tax evasion.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

i applied for a loan and got denied access to my I respectfully request your prompt attention on the following inaccurate information on my credit report. the items is inaccurate and negatively effecting my credit. please reinvestigate this matter and delete and/or correct the inaccurate items. i respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. failing that, all items must be deleted.

its my understanding that under law you have 30 days from the receipt of this letter to verify. it should be understood that faliure to do so within a 30 day period constitutes reason to immediately delete these items from my credit report. { FCRA 15 u.s.c section 1681 ( 5 ) ( A ).
Consumer complaint received 2024-10-17
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. (DE)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

Formal Request for Removal of Inaccurate Late Payments on My Consumer Report : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). After carefully reviewing my credit report, I have discovered several accounts and notations that do not belong to me or are otherwise inaccurate.

I am writing to formally request the removal of inaccurate late payments from my consumer report under the authority provided by federal law, specifically 15 U.S.C. 1681a ( 2 ) ( i ) and 15 U.S.C. 6802. After reviewing my credit report, I have identified certain late payment entries that do not accurately reflect my payment history and believe they should be corrected.

Under 15 U.S.C. 1681a ( 2 ) ( i ), which defines consumer report and governs the use of my personal information, I request that the inaccurate entries in question be re-investigated and promptly corrected or removed. Additionally, under 15 U.S.C. 6802, which governs how my financial information is shared and handled by institutions, I expect that my personal data, including the incorrect information being reported, is handled with the utmost care and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following entries are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies are a violation of my rights under the FCRA, which ensures that consumer reports must be accurate, complete , and verifiable. 

As previously filed i am requesting the removal of the accounts.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''