davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE (CT)

On XXXX/XXXX/2016, My husband and I called Western Union to make a payment to XXXX ( because they refused to take a payment directly from me ). Western union confirmed the code and company I asked them to send it to as XXXX XXXX code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and western union will take no accountability for THEIR error. I called western union on XXXX, XXXX, and XXXX and each time all they say is the funds never came back and there is nothing they can do ... XXXX does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can give a XXXX less about their consumers when they pay XXXX of dollars for a product. Further more it sickens me to think western union can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that XXXX cant do a thing to put my account on a freeze or something until western union resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't give a XXXX about the consumers they service.
Consumer complaint received 2016-03-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KY)

I created a payment plan for my private loan the middle of last year that was suppose to last a year. They stopped taking the money out of my account around the time I filed bankruptcy so I thought it was charged off. My US education loan sent me mail saying I had to start paying them. I checked my account and realized I owed on my private loan also. I called they informed that since it wasnt charged off that I had to repay and I couldnt get my original payment plan back. I explained how I couldnt afford XXXX dollars a month especially having to pay my other loan back. They said there werent any programs that would reduce my payment. If I just pay what I can afford the late fee will still accrue. Is there anyway to get my original payment plan back?
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MN)

I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill XXXX past ones on my credit. I also placed a fraud alert on my report and have n't received not one call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a XXXX situation.
Consumer complaint received 2023-03-16
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. (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer may furnish an account without my written consent.
Consumer complaint received 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the XXXX Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by XXXX XXXX that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major XXXX credit reports as {$0.00} balance. However I discover XXXX Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.
Consumer complaint received 2020-07-11
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. (DE)

In XX/XX/XXXX I financed my home with a USDA rural housing loan for {$100000.00}. XX/XX/XXXX I put my home up for sale at XXXX XXXX XXXX XXXX, PA XXXX with XXXX XXXX XXXX due to employment need. The home could not sell and foreclosed XX/XX/XXXX {$2400.00} to the XXXX Bank whom was serving the loan at that time. On XX/XX/XXXX the Bank sold said home at auction for XXXX and the consumer later sold the home to its current owner for {$110000.00}. In XX/XX/XXXX I was notified by XXXX XXXX that the USDA insurance coverage satisfied the balance roughly {$33000.00} which was in line with my loan type. The account was reporting as early as XXXX on all major 3 credit reports as {$0.00} balance. However I discover XXXX Bank started reporting the mortgage again for the loan amount of {$100000.00} as if they never received payment. I called XXXX at XXXX on XX/XX/XXXX and spoke with XXXX representative in TX who informed me that is was I still owe and that she had no record of sale and or money received from USDA funding which guaranteed the loan. And because of that they had a right to report the balance as unpaid. The loan # is XXXX. She say the property is currently bank owed, a completely false statement. Public record shows this property was sold at auction! And Federal Money paid the remaining balance. This bank is in violation of FCRA and Fair Debt Collection Acts. This misinformation is impacting my debt to income for a new loan. Also the are trying to collect money for a loan that was satisfied.
Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (NV)

Since XXXX until today, XXXX XX/XX/XXXX, my Credit Score has been nearly 850 for 2-years. I am a member for 30+ years! 
American Express stopped all unsecured loan applications without a detail explanation to the customers. My account has not received unsecured loan offers since XXXX, so the reason can not be Pandemic related. 
This is unacceptable, as it appears the company is hoarding its cash reserves for undisclosed reasons to the customers. 
Please investigate! Thank you
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TN)

I called Experian to remove different address that were listed in my name that are incorrect. They gave me the run around asking me have I used a credit repair company and telling me I need to send in my info to verify that I 'm who I say I am. I verified all the information they needed but since I did n't have report number they could n't remove the addresses for me. This is very hard on me and my family. Identify theft has been happening to me for a very long time. I 'm taking action to sue them in court. They never take a disputed seriously, they will say they verified information but the creditors do n't even have the info so how could Experian have it. Nothing this bureau does makes sense. Please have them remove any negative info off my record.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint personally regarding late payments on my credit report. Upon examination of my records, I discovered these late payment entries. Despite sending correspondence about this issue more than 30 days ago, I have not received any response, nor have I been provided with adequate validation. I request your assistance in addressing this matter swiftly and effectively.
Consumer complaint received 2017-01-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

I am the victim of identity theft. This took place from XX/XX/XXXX-XX/XX/XXXX. On my credit report it stated to contact me prior to issuing credit. No one contacted me from your company. There is an open charge off from Ally Financial. I have requested documentation of this erroneous account and to date have received nothing. I have sent certified letters and I have also filed previous complaints with the CFPB. I also asked you to provided me with loan documents. I was told that you being Ally could not give me any information because it was not my loan. Well, I understand it is not my loan and if you also understand it is not my loan take it off of my credit report. I am at the point where I am wondering if you are not because you are in the practice of charging minorities inflated rates and providing bogus auto loans and have been sued and made to pay a large settlement to the victims of your scam. Regardless, you should have some form of documentation. You have provided nothing. Being that I requested documents via certified mail and you did not respond, you obviously have nothing on file and are being difficult because you people enjoy being difficult. When I called and spoke to XXXX and XXXX they were very rude and acted as if I did something wrong when in actuality it is Ally that is in the wrong because they never called to get approval prior to opening a loan when I was facing identity theft. Any company that preys on minorities being XXXX, XXXX, women etc. and has no conscience is no company I would ever do business with and after speaking to your office staff there is no way I would have done business with you people. The bottom line is you ignore the complaints of the CFPB because you realize you are wrong and you have no just cause to report this bogus loan on my credit report. Which is actually considered to be a negligent act according to the FCRA. Damages and punitive damages can also be awarded and in addition to that, I could also justify Ally Financial 's behavior as just another one of their schemes targeting minorities and perhaps become a party to the class action suit of the XXXX dollar settlement. Please remove the Ally Financial account from my XXXX credit report.
Consumer complaint received 2020-07-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2016-06-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (IL)

There are three items on my credit report that have not been active in over 7.5 years. 
1. XXXX XXXX / XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
2. XXXX, partial acct # XXXX, address id # XXXX. Experian has thus far refused to remove it despite being inactive over 7.5 years. 
3. XXXX XXXX XXXX, partial acct # NC, address id # XXXX. According to XXXX themselves in records sent to me XXXX XXXX, 2016 this account is well beyond the the statute of limitations and beyond the time XXXX may report to a credit bureau. They also confirmed via telephone that this is the same XXXX account listed earlier, and that both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX are owned, partially owned, or affiliated with XXXX, XXXX. Experian has thus far refused to remove it despite being XXXX inactive for over 7.5 years and a duplicate reporting of the XXXX XXXX / XXXX listed earlier as # XXXX. 

An acceptable solution is for Experian to delete all XXXX of these accounts from my credit report immediately. I have provided all the above information previously and Experian continues to reply that it is insufficient for their investigation despite their own report listing the exact information provided above. Both XXXX and XXXX XXXX are either not reporting or in the case of XXXX have removed the duplicate and aged out account.
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (TX)

I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays charged me a fee of {$500.00} as interest, running my account over the limit. This action represented the greatest threat of default on the card. It was bait and switch predatory lending in its worst form. I contacted the Consumer Financial Protection Bureau and Barclays turned around to waive the {$500.00} fee. However, in addition they used a new underhanded tactic to institute a punitive predatory interest rate of over 25 % on the account. This interest rate is higher than the 5-6 % interest rate that I currently have on my other accounts with other banks. Apart from being exploitative, It is a sure guarantee that this credit card will go into unavoidable default. There is no justification for this predatory lending practice. Thank you.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

I have routinely made extra payments on my mortgage loan through Chase Bank since XXXX 2012. I have instructed the bank to post and apply any extra payments toward the principal ; as our purpose for making extra payments is to pay off the loan. I have called the bank several times to question why Chase keeps extending my due date on my mortgage statements because this seemed odd to me. I have never really got an answer that satisfied my question. Long story short ... .today I 'm looking at the escrow online and I see that the balance is approx. {$13000.00} already and it 's only XXXX and it finally dawns on me what Chase has been doing with my extra payments. My taxes are approx. {$10000.00} per year and I pay for insurance ourselves so they 've simply been putting this money into escrow and not applying it towards the balance which make NO sense at all especially since I 've called and questioned how my payments are being applied on a number of occasions.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (AZ)

I open an account with XXXX with medical protection however, I was not able to pay because of medical issues. After a period of time I paid off the account in full thinking I was covered from bad credit reporting however, I was told my account was sold as a bad debit. I disputed the account with Equifax because it stated that I was charge off XXXX balance however, in my dispute I request that they change the reporting to paid charge off! they refused. I do try to pay all my bills even charge off ones. This is causing me points on my credit score for no good reasons. I personally believe they sold my account to keep from paying for medical protection.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern : I am writing in regards to some startling errors on my credit report. My name is XXXX XXXX and I have never used the name XXXX XXXX, and therefore require that it be removed from my credit report. All variations of my name on your records are wrong, since the only names I have ever used are XXXX XXXX, at birth and XXXX XXXX. I have also never lived at : XXXX XXXX XXXX XXXX XXXX XXXX. This address belongs to my sister, XXXX XXXX. I presently live at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and before that I live at XXXX XXXX XXXX, XXXX, XXXX XXXX. I have never lived in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX or in XXXX, XXXX, some of those addresses belong to my sister, not me. 

I am contacting you so that you may correct these errors and to make you aware of the fact that you are linking my financial records with my sister 's, XXXX XXXX, and my mother 's, XXXX XXXX. When we look at each others financial records we can see that we all share addresses and accounts that belong to one another. I have never had a XXXX XXXX credit card, but my sister, XXXX XXXX has. I need my financial account separated from that of my family, because of these errors, when I request a change of address, my families mail is also redirected, as it seems we are all the same person. I have provided documentation to prove my name and addresses, along with my mother and sisters information so that we may be separated from one another. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX original report {$2400.00}. This is a bill that is suppose to be paid through restitution from a XXXX case that is being handled through XXXX, New Hampshire court. The person has not made any payments toward the restitution and he has been in and out of prison since 2011. His probation officer is XXXXXXXXXXXX if you need to contact her. In the mean time I would like for this outstanding balance to not affect my credit.
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX and on XXXX XXXX of 2016 I filed a dispute with Transunion after spotting inaccuracies on my credit report for a collection by the name of XXXX account number XXXX. After receiving the results from Transunion that they verified the collection I reached out to the collection agency with a validation letter and never received a response from them. So once again I sent another dispute to Transunion on XXXX XXXX 2016 with proof the collection agency had received my letter and never responded, Transunion yet again verified this inaccurate medical collection. Transunion 's refusal to properly investigate is a violation of the FCRA and FACTA.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 311 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possibile. Thank you
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" ... Over the past seven or eight months, I 've tried to remedy this issue on my own, but to no avail. I 've sent TRANS UNION, via USPS certified mail, four ( 4 ) dispute letters informing them that they are illegally listing unverified accounts on my credit report in error. 

I requested that the adverse accounts be deleted from my file. However, they did not comply. The listing of the accounts in question has severely impacted my life negatively, causing me serious personal and financial hardship. I 've suffered significant damage to my credit, I 've had my credit limits reduced and I 've even been declined for additional financing.. ''