davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

An incorrect negative statement was filed by USAA Credit Card. I protested to them and filed a complaint with XXXX  and my credit score ( FICO ) dropped from XXXX to XXXX and continues to drop. They have made promises that it will return but nothing has changed.Please help, I have always had an impeccable credit scores with NEVER a negative filing for over 50 years!
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TN)

American Express lied to me about their Credit Reporting Process. I contacted American Express prior to my payment due date of XX/XX/2022. I informed them that my XXXX Tax return was still being processed and I was waiting for a large refund check. I discussed my account options with them and informed them that I would not be able to make the payment by the original due date. I discussed several options with the representative and was informed that as long as I made the payment prior to XXXX nothing would be reported to the credit bureaus. The agent said that as long as it is not more than 60 days past the original due date, everything would be fine. I specifically asked, " So as long as I pay prior to XX/XX/2022, nothing will be reported? '' and was told " Yes-as long as you pay prior to XX/XX/2022 we will not report anything to the credit bureaus. '' I asked multiple times and asked if they were " 100 % sure '' that was correct and they assured me that yes that was their policy. I have been with American Express for XXXX years and I trusted them. Well, to my shock, American Express did the complete opposite of what they promised me and reported me to the credit bureau in XXXX. I paid the balance prior to the XX/XX/XXXX date that was communicated to me by American Express and they still did not follow their policy. I spoke with American Express after the derogatory mark was added to my credit report and they have now changed their story. They are stating that the agent I spoke with was wrong. I asked them to investigate and was told they would file an internal complaint and listen to the recorded phone call to verify my story. I called back a few weeks later asking for an update and none was on file. The agent filed a second internal complaint with supposedly a higher priority for them to investigate on XXXX. I should not be penalized for following the direction of American Express. This is an unfair and predatory business practice to provide information to your customers and then go behind their back and do something different and deny the whole thing. I took the time to contact American Express proactively to discuss my options and when I follow American Express 's direction I am penalized.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-14
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. (NJ)

In accordance with the Fair Credit Reporting Act These Accounts ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

A security freeze was placed on my XXXX report on XX/XX/2020. I also placed a freeze on my XXXX XXXX XXXX XXXX report on XX/XX/2020. I do have verification for these freezes if needed. XXXX has continued to verify personal information reporting to my credit report post-freeze. I have letters from XXXX  ( XX/XX/2020 ), XXXX  ( XX/XX/2020 ), and Experian ( XX/XX/2020 ) stating that public records on my report were verified using XXXX. I received a letter from the courthouse stating that they do not sell or report public records concerning bankruptcy filings to any third party agencies or credit bureaus. The reporting from the three major bureaus do not match one another as they are required to. I have disputed the inaccuracy of the reporting and nothing has changed. The court names are incorrect, the filing dates do not match and they are incorrect, the reference numbers are all different. I have disputed this information with XXXX, XXXX  and Experian multiple times and the information comes back verified each time with the same response : " obtained through a third party vendor XXXX XXXX XXXX XXXX XXXX ''. I know that the law states that the bureaus are required to report all accurate information on consumer reports, and that has not been the case for me. I am aware that data obtained for a consumer report must be validated through the original furnisher and the original furnisher stated in writing that they do not share info with 3rd parties.
Consumer complaint received 2022-07-01
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. (FL)

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX  XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OR)

My ulta card by comenity was reported as 30 days late on credit reports when I was not able to make a payment to avoid it. Comenity claims to been doing system updates for over a week now and people have not been able to log to account, make payments online or over phone for several days and therefore were not able to make payments by due date. I wanted to make payment by due date and pay past due amount to avoid late payment on report but was not able to as their system has been so messed up and got reported. Comenity has complaint after complaint on social media about all this and they just keep giving everyone the same automated answers over and over and no real clear answers. People are worried about a data breach or something as none of us have ever seen a system update take a week or longer where sites and phone lines all go down with no one able to do anything.
Consumer complaint received 2022-07-01
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. (FL)

XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2020-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc. (FL)

I have 2 collections accounts that have been reported by the hospital to a collections bureau when the accounts have all been satisfied and paid in full. On XXXX of 2019, I had a hospital visit. I received a bill in the mail for approx {$2400.00} and I began monthly payments immediately. Unbeknowst to me, their was a secondary bill from the hospitals XXXX  dept. I never received a bill from the hospital. A collections company called to collect a debt in the amount of {$530.00}. I informed the collections company that I was never made aware of this debt and had i received a bill or phone call, i would have paid i immediately. I paid the debt in full upon notice There is a second collections account in the amount of {$1500.00}. No dept in the hospital or otherwise have any notice of a debt in the {$1500.00}. Any and all debt owed to the hospital has since been paid in full. My credit has been drastically impacted by the inaction and unethical nature of these businesses. The hospital was XXXX XXXX in XXXX XXXX, they passed the debt to a collection company called AR Resource INC through XXXX XXXX XXXX.
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CO)

XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified with all three credit bureau false information. ( that I completed a bankruptcy ). 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately to credit reporting agencies and I can tell you its not LexisNexis are reporting false information that is affecting my life and my credit. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally please provide a complete bankruptcy repayment plan issued by the court and provide discharge final decree or order closing your case.., please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature but you are sharing this information to the credit bureau. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I had a legally binding contractual obligation that I paid off the alleged bankruptcy. This is alleged to have been dismissed paid in full with a copy of the final decree signed by the judge and myself ending the bankruptcy. If you can not provide me this information that you claim is accurate, the removing this information now to stop the listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting and must be removed immediately or I will report the to the XXXX  of this unfounded volaction.
Consumer complaint received 2020-05-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (SC)

Net credit report a late payment. I told them due to conronavius and the governor closing my business, i am unable to make payments and would like to defer my payment. Net credit agree to defer my payment but added a late payment to my credit report. I spoke to the county Judge and he said before I file a lawsuit against net crefit I should reach out to credit reporting agencies and let them know that it was declared a natural disaster, and it's no fault of any business. All negative reports should be removed.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-07-01
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. (FL)

I have been trying to have my account with XXXX XXXX XXXX updated as it is reporting inaccurately. They continue to violate my rights under the FCRA and the credit bureaus are allowing this. This was for a car I had and was in an accident with. The car was totaled and the insurance promptly paid it off. There was no money left over to pay because the insurance company even sent me a check for what was left over. They continuously report this wrong on my report. Each bureau is reporting this one account 3 different ways. I even reached out to the insurance company requesting information regarding payment. They sent me a letter with the information showing it was paid. How can this be showing as a charge off when the insurance company settled the debt. I have sent 3 letters to the bureaus since XXXX requesting removal of this because there is no way they validated this as accurate. I requested information about who they spoke with and when to validate this is they indicate it was validated. I have not received any responses regarding this. One bureau has it as paid while the other 2 has it as derogatory. The account status, date of last activity and account status is inaccurate across all 3 bureaus. With this many errors, how can they believe this to be accurate. Regardless of that, the car was paid off!!! It was paid as agreed and I do not owe anything on it. This is tarnishing my credit history and no one is attempting to resolve this.
Consumer complaint received 2022-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

On XX/XX/XXXX, Gemini Trust Company , LLC disabled trading and withdraw on all accounts with a negative balance. This adversely locked my life savings on the exchange. I contacted support to offer solution to move balance fron one of my accounts to another to bring one positive but they refused. 

They were always in possession of the asset ( amp  ) that is down in value but have decided to also lock the additional {$10000.00} cash that was in my account. 

They are also holding their own amounts of ( amp  ) that are down in value while promoting it on XXXX. 

This was my life savings, and as a XXXX XXXX I tried to explain this to them with remedy of situation but to no avail would they solve. It could cost me my XXXX. 


- XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

In XX/XX/XXXX I fell behind on payments due to injuries suffered from previous accidents, both work and vehicle. I made attempts to pay, they refused payments. I tried to get a foreberance but they denied me. Then the pandemic came. XXXX XXXX I made contact again with the servicer, XXXX XXXX was my point of contact. I received an email from him stating they were working on it, never heard back. They barraged me with automated calls and automated voice messages to my cell phone in violation with FDCPA. I called the point of contacts, XXXX XXXX wouldn't help me because as she claimed, I am not her kind. Never heard back after that. They continued with letters and point of contacts, none responded to me as required. This pushed my balance higher. I applied for modification in XX/XX/XXXX, gave everything they requested, they denied claiming I requested a foreberance, I didn't. I applied two more times, each time they asked for documents already sent and received, claiming not to receive them, but i sent sent back checklist to confirm all received. They played the we don't have them game to avoid helping me, then closed application. They deliberately miss managed to avoid helping and continued to collect higher fees
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (FL)

I'm not sure how but I believe someone has been trying to use my identity to apply for new credit lines. I reached out to AMERICAN EXPRESS to get the inquire removed but, they haven't resolved the matter.