davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (VA)

Why haven't my check of {$16000.00} that I sent via XXXX on XX/XX/XXXX to and received by American Express ( AE ) XX/XX/XXXX @ XXXX had not been posted to my account? I have asked and no one can explain.. I am accruing interest unnecessarily. 

1. XXXX tracking number - XXXX 2. Individual that signed for the package at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX  3. Address package sent to AE : XXXX XXXX XXXX XXXX CA XXXX which was provided to me by AE. 
4. American Express company internal complaint # - XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have been disputing with XXXX, XXXX, TransUnion and other creditors since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments, collections, derogatory marks and accounts that have been charged off. Which are all inaccurate, misleading and misreporting on my consumer report. This is also against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report. 



This is messing with my mode of living, my general reputation and my children 's future as well. THESE CORPORATIONS AND FINANCIAL INSTITUTIONS ARE IN CLEAR VIOLATION OF CONGRESS FEDERAL LAWS. I want any and all negative items ; Old/outdated addresses, late payments, collections and inquires, reporting on my XXXX consumer reported DELTED immediately. In addition, I am requesting a compensation amount of {$5000.00} because my information was breeched! If needed I will take legal actions necessary to heal the damages done to me by XXXX, XXXX, TransUnion and the other creditors ( Financial Institutions ). 



I have also sent a copy of my consumer reports with every single inaccuracy, misleading and misreporting account highlighted in either pink or orange specifying every single error in my consumer report. 



IF NEEDED I WILL TAKE LEGAL ACTIONS NECESSARY TO HEAL THE DAMAGES DONE TO ME BY XXXX, XXXX, TRANSUNION AND OTHER CREDITORS ( FINANCIAL INSTITUTIONS ) FOR USING, SHARING, BUYING, SELLING, TRADING AND ALSO FOR FAILLING TO PROTECT MY NONPUBLIC PERSONAL INFORMATION ( 15 USC & 6801 ). 





an updated consumer report with inaccuracies removed
Consumer complaint received 2018-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

To Security Department of XXXX : There is a criminal element/culprit exploiting XXXX   as a platform from which to attack our XXXX XXXX XXXX corporate checking account. Thus far this thief/thieves has/have stolen a total of {$240.00} across 6 transactions ( the latest occurring this morning ). Please kindly coordinate investigation at XXXX and cooperate with XXXX XXXX XXXX, which has opened a fraud investigation. 
This is also being reported to the FBI. 

Processing Transaction layer ACH HOLD XXXX PAYMENT ON XX/XX/XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD XXXX PAYMENT ON XX/XX/XXXX as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX  DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX  WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX  WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX  INDN : CO ID:XXXX WEB as Reconciled XXXX XX/XX/2018 Show additional information for activity type other payment XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB activity type other payment status type icon cleared Cleared. Select to mark activity type other payment XXXX XXXX DES : PAYMENT ID:XXXX INDN : CO ID:XXXX WEB as Reconciled XXXX
Consumer complaint received 2024-03-07
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Formal Complaint Against Experian, XXXX, XXXX, and XXXX for Unauthorized Reporting of Bankruptcy Dear Consumer Financial Protection Bureau, I am reaching out to file a formal complaint against Experian, XXXX, XXXX, and XXXX for severe violations of my consumer rights as protected under the Fair Credit Reporting Act ( FCRA ) and any other relevant consumer protection laws. Specifically, the unauthorized reporting of bankruptcies on my consumer credit reports and/or credit file by these agencies. 

Detailed Complaint : Without my consent and without any prior notification, these credit reporting agencies have listed bankruptcy information on my consumer credit reports. This erroneous information has not only damaged my creditworthiness but has also led to substantial personal and financial distress. The inaccuracies reported by these agencies have resulted in denials of credit, severely impacting my ability to purchase a car and a house. Moreover, the public reporting of such sensitive personal financial information without my consent constitutes a significant violation of my privacy. 

Attempts to Resolve the Issue : Despite my efforts to contact Experian, XXXX, XXXX, and XXXX to correct this misinformation, my attempts have been unsuccessful, and the bankruptcy information remains on my reports. The lack of response and resolution from these agencies has only compounded my stress and mental anguish. 

Sought Resolution : Immediate removal of the bankruptcy information from my credit reports and credit file across all mentioned credit reporting agencies. 
A formal investigation into how this breach of my consumer rights occurred and steps taken to prevent future occurrences. 
Compensation for the undue stress, mental anguish, and financial losses incurred due to the wrongful reporting of bankruptcy information and the resulting denials of credit. 
A written apology from each of the credit reporting agencies for the mishandling of my personal information and the distress it has caused. 

I implore the CFPB to take immediate action on my behalf to address these violations of my consumer rights. Your assistance in this matter is not only crucial for rectifying my personal credit history but also serves as a deterrent against the careless handling of consumer information by credit reporting agencies. 

Thank you for your attention to this urgent matter. I look forward to a swift and favorable resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-10-27
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. (VA)

I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with Equifax and XXXX  respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In 2015 the CFPC ( Consumer Financial Protection Bureau ) reached an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (AR)

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX.
Consumer complaint received 2023-02-09
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)

I am writing this without prejudice and on my own accord. 
Equifax stated my account was properly investigated and verified that is impossible given the following. 
My account is being inaccurately reported ; because it shows date last active as XX/XX/2023 when in fact there was NO activity XX/XX/2023 on this account. The date opened, and date last reported is also being reported inaccurately. 
This is illegal and fraudulent and grounds for removal. It is a violation of my rights under 15 U.S.C. 1681 section 602A. Which states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2018-10-27
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 havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX  ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (VA)

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 2023-02-17
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2018-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I havve been paying my student loans rigurously. On XX/XX/XXXX Navient reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies. 

Yesterday and Today I had received 2 alerts. Navient is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with Navient. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Credence Resource Management, LLC (TX)

XX/XX/XXXX - collection reported to XXXX  by XXXX XXXX XXXX, XXXX, TX XXXX for XXXX {$370.00} delinquent as XXXX XX/XX/XXXX. Phone XXXX. 
XX/XX/XXXX - collection reported to XXXX  by Credence Resource XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX. 
I reported dispute to XXXX  & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.
Consumer complaint received 2023-07-03
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)

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 2023-01-27
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. (MA)

Good afternoon, my name is XXXX XXXX, and I have a problem with the mortgage company and Experian, I file a dispute about my mortgage company, my old company sold my mortgage to a third party, and I have been in my house for over ten years now and have never been late until now, my old mortgage company didn't transfer all the information about the auto payment, and nobody told me about the late payment, they never set up my auto pay once they transfer the mortgage, please can someone help me I already disputed the account and the scored with the credit company but they have not done anything as of yet, I need them to fix my credit score, I spoke to the mortgage company and they said that they were going to fix my credit, I have already paid the balance and still the company has not fixed my credit report. I need help with this matter Experian the credit company has not done anything to fix my credit, my credit score has gone down XXXX points and they for some reason don't restore my credit as of yet... 

please can someone help me with this, I would really appreciated it. 

Thank you XXXX XXXX
Consumer complaint received 2023-11-23
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. (NJ)

Among this information there are late payments and I have never paid late. There is also incorrect information and accounts with incorrect information. I want these accounts to be reviewed and the incorrect information eliminated. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-22
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AZ)

Rushmore Loan Management Services recently purchased our mortgage from XXXX XXXX. Starting with last month, payment due XX/XX/2018, they have failed to record our payments for which we have canceled checks that were cashed before the due date ( for payment, cashed on XX/XX/2018 and for Escrow, cashed on XX/XX/2018 ) as of now these payments have still not been credited to our account. We called them on XX/XX/XXXX to try and resolve this payment matter we were greeted with a rude adversarial representative who could not verify any information forcing us to fax all our proof to them. They responded with a letter stating they needed 30 days to look into the matter ( this is absolutely unreasonable ). We have not received any statements for payment due XX/XX/2018, to prevent being delinquent we mailed a check for XXXX which was cashed on XX/XX/2018. Now on XX/XX/XXXX we have received a delinquent report and late charge assessment for the past two months. We have still not received any statement to pay our XXXX payment. We did not choose this company they are completely incompetent and our credit is being destroyed. I am trying to get this company to cooperate before things get out of hand and a lawsuit is the only answer.
Consumer complaint received 2018-10-27
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2023-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi bank closed my account due to fraud transfers from my XXXX XXXX to my account. My account was closed they said they will provided my balance after 30-60 days which would be XX/XX/11 now they are saying they wont give me my funds because they closed my account due to my last check deposit I have to contact the maker have them issue a refund. Its inconvenient to have my employer due that due to the fact they confirmed check was cashed.