davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Profit Recovery, Inc., Marlborough, MA Branch (PA)

I received a notice on XX/XX/2022 that I owe {$260.00} from American Profit Recovery , Inc ( debt collector ) on behalf of XXXX XXXX ( creditor ). This was already paid as shown from the creditor 's own bookkeeping system ( see attached ).
Consumer complaint received 2022-04-10
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. (MA)

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

XXXX accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.
Consumer complaint received 2022-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

Since loan inception - XXXX XXXX, I have made every payment on time, and most times paid additional principal along with my regular payment. I did not set up auto pay because I would pay the additional principal every month and I would vary the amount based on the extra cash I had on hand. 

In XX/XX/XXXX I became very ill with XXXX and forgot to pay the mortgage payment that was due on XX/XX/XXXX. The late notice was issued on XXXX XXXX XXXX and I paid the late payment the day I received the notice on XX/XX/XXXX, along with {$300.00} in additional principal. I also set up auto-pay immediately so this would never happen again. 

I contacted Rocket Mortgage to request that they remove this derogitory mark from my credit report and they would not. I asked to speak to a supervisor and was told there is nothing they could do. 

If they would have sent me a late notice in XXXX ( instead of XXXX XXXX ) I would have paid it immediately and could have avoided this problem entirely. 

I also want to mention that prior to this one late payment, I had paid in an additional {$2700.00} in additional principal payments during XXXX. Couldn't this extra money that I've been sending over the years be viewed as an advance payment in some way? 

I need to move from my home residence and recently found a home. Unfortunately when I contacted the bank for a mortgage today, I was informed that this one late payment makes me ineligible for a mortgage. They suggested I contact the lender and ask them to remove the late payment from my report.. 

With all the accomodations that were made during the XXXX pandemic, all I am asking is that this temporary blip in my credit report be removed so I can go on with my life and my plans to relocate.
Consumer complaint received 2022-04-10
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. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has 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.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the fair credit reporting act the below company has violated my rights. 

Company : XXXX XXXX ACCT # : XXXX 15 U.S.C 1681 Section 602 A States I have a 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. 

After inspecting my consumers report and coming across the company on my report I contacted the company. I even try to come to an agreement for a pay-to-delete, and they told me " They can not delete from my credit ''. By law they can not add to my report, but found a way to do so. I have received numerous phone calls and written letters from this company. I tried to work with them, but they continue to refuse to remove this account from report.
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has 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.
Consumer complaint received 2021-04-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF THE WEST (AZ)

MY FATHER PASSED AWAY ON XX/XX/2019. I HAVE BEEN ATTEMPTING TO GET EVERYTHING THAT WAS UNDER MY FATHERS RESPONSIBILITY TAKEN CARE OF. I WAS UNAWARE I HAD TO GO THROUGH PROBATE TO BEGIN WITH. NO ONE WOULD TALK TO ME. THEN I FIND OUT I DID NOT HAVE TO GO THROUGH PROBATE BECAUSE I AM THE ONLY CHILD AND SURVIVING FAMILY MEMBER. I FINALLY GOT THE COURT TO APPOINT ME AS THE PERSONAL REPRESENTATIVE SO THAT I CAN FINALLY COMMUNICATE WITH THE LENDERS/LENDING INSTITUTIONS, OR SO I THOUGHT. THROUGH THIS ENTIRE PROCESS I HAVE SENT MY DOCUMENTS TO NUMEROUS FACSIMILE NUMBERS SO THAT I MAY REQUEST A PAYOFF DEMAND TO PAY THESE LENDERS OFF BUT NO ONE EVER PROVIDES ME ACCURATE INFORMATION NOR A PAYOFF DEMAND. NOW THESE BANKS ARE FORECLOSING ON THE HOMES I GREW UP ON. THESE HOMES MY FATHER PURCHASED WITH A LOT OF SACRIFICE AND I REMEMBER HIM LIVING IN THESE HOMES GROWING UP. WHILE TO SOME THESE MAY BE A UGLY HOME BUT TO ME ITS A SENTIMENTAL VALUE, THAT HAS NO PRICE.
Consumer complaint received 2019-06-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX They call 3 to 4 times a day, they do not leave a message, they call from various numbers, all Mississippi area codes, yet they are in an overseas call center. ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX   ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX at all times of the day. The one time I did speak to them in XX/XX/2018, they refused to say who they were until I told them my name. I told them I did not have a job at the time and I could not pay and then a " manager '' came on the phone and just kept asking me for a payment plan and a credit card number. I told them at that time to stop calling me. They refuse to stop calling me.
Consumer complaint received 2024-03-08
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. (WI)

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 Account Number : XXXX and 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 2022-09-27
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. (TX)

they say the took care of the problem please look at complaint number XXXX it say it was remove and not on my credit I just check and it still on my credit report
Consumer complaint received 2022-04-10
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. (FL)

XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-10
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)

XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-01-25
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. (AR)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (KS)

I am writing in regard to my Bluebird Account ( s ). I originally opened a card for my daughter who is in a program called New Directions for Young Adults in XXXX XXXX, Florida. The Bluebird card was recommended by them. I opened the account under my name. 

After months of trying to find an easier way to load money to the card ( other than my only option of going to XXXX with cash ). I called Bluebird, the representative was unhelpful and put me on hold until the call eventually hung up on me. There was approximately {$260.00} on the card at that time. 

XXXX recommended that I open the Bluebird American Express instead. I was able to open a Bluebird Amex and put {$100.00} to start. But when I tried to open a subaccount for my daughter, I kept getting an error message that an account already existed. I called Bluebird to ask how to fix this. Their representative said I had to cancel my daughter 's current subaccount and set up a new account. I asked how I would get the money off the current card and he said I could transfer the funds remaining once she had her new subaccount. He then put me on hold and after waiting 15 minutes the call was cut off. 

After cancelling my daughter 's first account and opening another subaccount for her I was able to order a card to be delivered to her. I went online to transfer the funds from my 1st card to the new account. I was unable to do so. Just kept getting error messages. I then tried to transfer the money to my daughters subaccount and was also denied. 

I tried to call Bluebird to ask for help and I got a message that my account was permanently suspended for fraudulent activity and the call hung up on me. Then I received an email from Bluebird saying my account was permanently suspended. Despite numerous calls I was never able to speak with a representative, I would just get the permanently suspended message and the call would be cut off. 

I have never had a worse experience with a company. It is especially frustrating as we are long time American Express XXXX card holders. I would like my funds remaining ( {$360.00} from both accounts ) sent to me by check immediately.
Consumer complaint received 2022-04-10
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. (MA)

n accordence with the fair credit reporting act covergent account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting acXXXX XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.
Consumer complaint received 2022-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

n accordence with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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.
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (WA)

Equifax is reporting fraudulent accounts on my credit report which includes the amouts of {$4200.00}, {$17000.00}, {$14000.00}, {$13000.00}. 

Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file.
Consumer complaint received 2024-03-08
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)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2021-05-14
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (AZ)

Since XX/XX/XXXX I try you free up XXXX funds that I mistakenly transferred into a new BINANCE US account of mine. Unfortunately, this trading account was never finalized by BINANCE US because my authentication couldn't be verified. Therefore, any crypto transfers or withdraws were restricted. 
I registered this new trading account with BINANCE US under ( XXXX, User ID : XXXX ) on XX/XX/XXXX. 
My old BINANCE US account I wasn't able to access anymore due to a security breach that occurred in XXXX. This account was registered under ( XXXX, User ID : XXXX ) In the process to free up my XXXX funds I found out that my new account XXXX couldn't be finalized because my SS # was attached to my old account. BINANCE US permitted depositing currencies into my old account but restricted any other transactions to either withdraw or trade.

Upon my request BINANCE US customer service established access for me to my old account # XXXX & updated my email ( XXXX ) to ( XXXX ). 
By mistake I transferred XXXX funds on XX/XX/XXXX into my new trading account ID # XXXX. This account should have not been active to receive funds. I notified BINANCE US customer service immediately about my mistake. I was told that the funds would be transferred from my new into my old trading account. 
But this transfer never took place! I relentlessly communicated with customer service to get this issue resolved. But nothing happened in over 6 months. BINANCE US is holding my funds hostage. They know that I can not access them unless they are transferred into my old account which I can access.

At this point I do not care which account will be active. I just need my funds to be accessible.

I can provide email correspondence with BINANCE US customer service agents and the following documents for review : 1. ) XXXX  confirmation dated XX/XX/XXXX XXXX. ) Transfer confirmation with recipient wallet address dated XX/XX/XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Account verification for XXXX, User ID : XXXX XXXX. ) Portfolio balance sheet User ID : XXXX XXXX. ) Emails customer support from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Please support me in my efforts to gain access to my funds. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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: CAINE & WEINER COMPANY, INC. (MI)

In accordance with the fair act XXXX  account # has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Its also states a consumer reporting agency can not funish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a open credit card account under an open end consumer credit plan as a late for any purpose. 


XXXX XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-10
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)

We are getting closer to a resolution. 
Experian finally acknowledges that the department of education XXXX XXXX XXXX is a collection account. 
The remaining issue is the first date of delinquency was in XXXX and was transferred to the collection agency in XXXX. They did not report till XXXX. Reminder the clock does not reset when sold or transferred. 
Proof on page two of response from the department of education to Congressman XXXX XXXX that became delinquent much earlier than reported. 
I have other correspondence as well if this is not sufficient but this is was an official statement. 
Note items had been removed from the other credit bureaus.