davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.A.Rogers, Inc. (TX)

On XX/XX/2023 I spoke with a manager of RA Rogers Inc collection agency in regards to a debt owed for {$210.00} Account # XXXX. The manager name was XXXX XXXX her extension number was XXXX. During this coversation she agreed to delete the debt from my credit report if I sent in a money order. I mailed a money order in that same day ( attached is a copy of the money order ). She stated the collection would be deleted from my credit report in XXXX weeks. It has now been 2 months and it is still on my credit report. This is a breach of contract in Maryland as oral agreements are enforceable. If this is not removed from my credit report, I will follow a lawsuit for breach of contract.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i RECENTLY BECAME AWARE OF UNATHORIZED FRADULENT ACCOUNTS. WITH NO PROOF OF ORIGINAL LENDERS OR SIGNED CONTRACTS. FEDERAL BROKEN LAWS OF 15 US 1681 " PERMISSIBLE PURPOSE '' PERSONAL INFORMATION USED WITHOUT CONSENT.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XX/XX/XXXX these were not authorized I do not recognize these credit inquiries and I have asked for them to be removed and the bureaus did not do as I asked i'm providing a identity theft report that I will attach to this and im requesting these to be removed because they are inaccurate and not mines.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (WY)

American Express Credit Card : Filing a complaint due to their horrible customer service, which is based outside the United States. 

Paid my bill in full, was still charged interest of {$39.00} and also an extra fee that is unknown of for {$100.00} ( which customer service didn't have record of but it showed up in my online account 4 days after my bill was paid off and paid in full ). 

They claimed the {$39.00} was for a late fee payment, after my card was cancelled and account closed and after they received my payment in full of {$6000.00} I had called to confirm payment was sent on XX/XX/2023 from XXXX XXXX  ( they were issuing the check to American Express ) and even sent a screen shot to a Supervisor / XXXX at ( XXXX ) XXXX to show the payment was sent. Due to holiday closures and situations out of my control, they received the payment XX/XX/XXXX, and it was due XX/XX/XXXX, but proceeded, even with all my calls and notices and notifications, to charge me fees. They offered to settle on my account around {$4000.00} XXXX days prior to receiving my check on XX/XX/XXXX - but after I paid in full, the amount I owed of {$6000.00} ( didn't take the settlement with them ) they proceeded to charge this late fee. 

Their customer service is ineffective, they do not help, only argue and I have got to the point of wanting to seek legal council about it due to a feeling of being XXXX  by this credit card company. They send me two or more emails a week, they call, even when they knew I had paid the account in full. They offer me settlement deals on {$39.00}... it's just very ridiculous and the customer service doesn't speak well, because they are out of the country, and very argumentative and they just put you on hold for thirty minutes or more, then transfer you and nothing ever gets resolved with them. It's a game they play and they are ripping off the American consumer with unethical customer service. 

I do not want to be contacted by American Express again, I have expressed this, my account has been cancelled, closed, but yet I continuously get emails from them and additional charges. 

Please report this to them. I am also reporting this to any legal / consumer affairs organizations that I can find.
Consumer complaint received 2024-01-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service (UT)

A fraudulent Account was opened under AAFES/Military Star. The account was approved with a {$6500.00} credit limit and {$100.00} dollars was charged by the fraudulent person to purchase a {$100.00} gift card. 

My XXXX  number, social, date of birth and address was used to open this account to include my email address.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SYNCHRONY FINANCIAL (IL)

I sent {$100.00} to this person and they were suppose to add to that amt and redeposit in my PayPal account within 3 to 5 minutes. It never happened. PayPal says as the money was sent correctly, the case is closed. But I have been scammed. They should have made sure I got the money promised before they closed the case. I have conntacted PayPl but all I get is the money was sent to XXXX correctly. But where is my money I was to receive plus the {$100.00} I sent. I also am still stuck with the XXXX  XXXX, {$1700.00}, that I turned in a complaoint about back in XXXX. Am I a bad person for not letting this continue? This is the person I sent the money to. 
XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2024. 
Repeat this transaction Paid with PayPal balance {$100.00} XXXX Unlimited Cash Rewards XXXX  ( XXXX  Credit Card XXXX ) You'll see " PAYPAL XXXX '' on your card statement. 
{$4.00} Exchange rate {$100.00} USD = XXXX XXXX XXXX XXXX USD = {$3.00} XXXX  Transaction ID XXXX
Consumer complaint received 2023-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX {$990.00} XX/XX/XXXX Collections : XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX 
Please delete these accounts from my reports.
Consumer complaint received 2024-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (NY)

There were several fraudulent transactions on my account. The bank would not allow me to login to my account. After disputing the transactions, there is a person who interacted with customer service and asked for the disputes to be reversed. My account is not accessible by me at all, and I was chased by several XXXX XXXX  females inside the bank. The bankers called police and no police arrived for a report. The transactions remained on my account and there are illegal collection activities through my phone and email address was changed to an old email for the interactions. I can not access the account or discuss the issues because of the illegal collection calls and the nature of the calls being made to my phone.
Consumer complaint received 2023-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rausch Sturm LLP (CA)

They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway. 

Letter was dated XX/XX/XXXX. Received on XX/XX/XXXX XXXX
Consumer complaint received 2024-01-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Self Financial Inc. (CA)

I opened up this account in XX/XX/2020, this was during the pandemic and as I had to make financial decisions as the prices of everything went drastically up. I tried to do my best contacted the company. Paid what was owed and they choose to close my account. 

Reporting to the credit bureau, Self Lender is whom I have know them to be. However my credit report with all XXXX credit agencies list different names. 
XXXX Credit Report : list SELFXXXX XXXX XXXX Credit Report XXXX XXXX XXXX XXXX Credit Report XXXXSELF The balance listed on all XXXX credit reports shows different dates. I am not understanding why they are still updating and reporting on an account that is paid and not report any updates on the other credit agencies. It seems it a smear to keep my credit score down.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

Bridgecrest financial gives falsified and deceptive information when you call customer care. I have called many times since XXXX only to hear different stories of the fact I could extend my payment or get a forbearance or get a deferment I was told I could get a deferment two times next year and XXXX no specific date. Then I was told theyll help me with a forbearance plan in XXXX when I called they said no then I was told they could help lower my payments and they never did I was also told that my payment date is always the XXXX but now in XXXX they made it the XXXX for a repossession date when I was supposed to be able to pay the XXXX they have falsified information many times they dont have their story straight they dont make it clear and they all told me I could get a deferment in XXXX if I kept making payments for the rest of XXXX. Now they want to take my car away three days before the payment of the XXXX they deceive me I thought in XXXX I could get a deferment and planned everything around that and Florida is in a disaster now due to the government saying were in increment weather for the next four days and they said oh we dont have a disaster plan their website states they have a disaster plan that they WillThey update their website it says that they allow extensions request for forbearance request for deferment request for a lower payment so you dont lose your vehicle and that you can pick the date of payment and they will not change it it also states you get three deferments per year they did not say specifically on the telephone not until XXXX. Please help me
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (KY)

I submitted an IDR application to MOHELA on XX/XX/2023. They failed to process it and it was listed as a pending status up until last week. Now it shows 'cancelled '. I did not cancel the application. I called MOHELA and was on hold for 2 hours and 17 minutes. An agent was unable to help me and offered to transfer me to a supervisor. The next thing I knew the call was disconnected. 
It is impossible to get basic loan information and services from MOHELA.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

I contacted XXXX XXXX XXXX after I acquired a credit report for XXXX XXXX, I request all documentation pertaining to this account along with the contract signed by myself that initiated the dispute. Weeks later I received a response, but not documents pertaining to me. I requested no further contact and filed dispute with Experian consumer credit reporting company, I later checked and found a collection on my account which I disputed again but had no affect. The account was settled and closed and sold after the fact, I reported this to Experian and XXXX XXXX XXXX but received no response.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

Dear CFPB I hope this letter finds you well. I am writing to address a matter of great concern regarding the reporting of XXXX accounts on my credit report. Specifically, I am requesting the immediate removal of the following accounts : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I have previously corresponded with XXXX and Experian regarding these accounts and have diligently provided documentation from The Department of Education to support my request for the update of their status to " Paid as Agreed. '' Despite my efforts, the response from XXXX has been dismissive, suggesting that both the accounts and my concerns are frivolous. 

In an attempt to address this matter comprehensively, I submitted a second dispute letter to XXXX as well as Experian, presenting a different approach and providing additional supporting documents. Unfortunately, I recently received a letter from XXXX asserting that the accounts in question are accurate and verified. Furthermore, the letter stated that XXXX will no longer reinvestigate these accounts. 

I am writing to express my deep dissatisfaction with the handling of this dispute and to reiterate my request for the immediate removal of the mentioned XXXX accounts from my credit report. It is disheartening to encounter such challenges in attempting to rectify the reporting discrepancies on my credit profile. 

I urge XXXX to reconsider its stance and to conduct a thorough and impartial review of the information related to these accounts. The provided documentation from The Department of Education should be given due consideration, and the reporting on these accounts should accurately reflect their current status. 

The Fair Credit Reporting Act ( FCRA ) empowers consumers to dispute inaccurate information on their credit reports, and I trust that XXXX and Experian will honor this right by conducting a fair and unbiased reevaluation of the XXXX accounts in question. 

I kindly request that XXXX and Experian provide a timely and substantive response to this matter. Your cooperation in this regard is essential in ensuring the accuracy and fairness of my credit report. 

Please send written confirmation once the necessary updates have been made to my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-01-08
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. (TX)

In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information under 15 U.S.C. 1681 and 15 U.S.C. 1681b. 

Accounts ( 4 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing Experian Credit Reporting XXXX to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights.

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
Consumer complaint received 2024-01-07
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)

XXXX, XXXX XXXX, and Experian has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. XXXX XXXX has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed XXXX XXXX about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. Among others. This is grounds for removal.

They also violated my rights under : 15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A sec. 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Equifax, TransUnion, and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquiries/accounts below be removed immediately per my instructions enclosed :
Consumer complaint received 2024-01-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (DE)

XX/XX/2024 Credence Resource Mana put a collection on my credit report.I didnt receive a notice to verify the debt.I have not done business with them or XXXX XXXX XXXX I have no contract with my signature on it.I have know knowledge of this debt.It was removed before because of this.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am reaching out for your help regarding an account that is wrongly reported on my credit report. This has impacted my standing as a customer, and I need your support. I want these accounts to be removed because they are being reported falsely and negatively.