davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-15
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. (CA)

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

15 U.S.C 1681 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 report to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-20
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. (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 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 2021-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (NH)

MY NAME IS XXXX XXXX AND I OPENED AN ACCOUNT WITH BINANCE.US ( ACCOUNT # XXXX ) 6 MONTHS AGO AND HAD NO ISSUE WITH TRADING UNTIL APPROXIMATELY XX/XX/2021 I SUDDENLY WAS BLOCKED " PENDING VERIFICATION ''. I HAVE SUBMITTED FOR 2 WEEKS NOW 3-4X DAILY MY GOVERNMENT ISSUED I.D AND BANK STATEMENTS REPEATDEDLY TO NO AVAIL. 

MY ENTIRE LIFE, S SAVINGS ARE ON DEPOSIT WITH A CONCENTRATED POSITION IN DOGECOIN AND THE RISK NOW IS THAT ASHOULD THE VALUE DROP TO XXXX I RISK LOSING ALL MY SAVINGS. 

I HAVE DEMANDED THEY EITHER TERMINAATE AND REFUND MY ACCOUNT OR " VERIFY '' WHICH THEY BOTH REFUSE TO DO.
Consumer complaint received 2022-08-21
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. (NM)

This is about experian, specifically the boost it advertises to raise your score via connecting bank and credit card accounts. Had used it before and it raised it by like XXXX points so it mirrored the other scores XXXX and XXXX had me at. Apparently it lost connection with my credit card account recently and my score went down more than 20 points. Re-download the app to connect my accounts again but now my credit card account keeps disconnecting daily, daily. I've cleared the apps cache like they told me to and deleted the app and downloaded again but the problem is still there. Why is it that they offer this to " boost '' my score when it's only XXXX points but when it disconnects it lowers it by more than 20 points? Doesn't seem fair they should be allowed to lower it that much, it's not like I was applying for a loan.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

I had a Sears XXXX that was delinquent from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, Sears charged off a balance of {$330.00}. I paid the {$330.00} balance on XX/XX/XXXX. The delinquency and charge off were caused by my medical condition. I sent Sears a letter dated XX/XX/XXXX which asked them to remove delinquency and charge off information from my credit file because they were caused by my medical condition. Sears sent me a letter dated XX/XX/XXXX which didn't indicate that Sears would remove delinquency and charge off information from my credit file. I believe that delinquency and charge off information should be removed from my credit file because on XX/XX/XXXX, the three credit bureaus were no longer reporting medical debts that were paid after being sent to collections. Sears sent my account to collections but the name of the collection agency is unknown. Nonetheless, after collections, I paid in full the balance of my account. So, again, I feel that Sears should remove delinquency and charge off information from my credit file because they were caused by my medical condition.
Consumer complaint received 2021-04-28
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. (NC)

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2022-10-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC (FL)

I financed a vehicle through Carvana. The vehicle had XXXX miles on it at time of purchase. This vehicle was said to pass all inspections. And had everything up to date in terms of services. Shortly after driving the vehicle, mind you my check engine comes on. I bring it to the dealership that makes the car. And I contact Carvana asking if they would be willing to help since the car was in their care for these miles that this inspection was never done. I was charged an insane amount of money to fix this issue with the purchased car from Carvana. It didnt have the XXXX mile service. A few weeks go by and the check engine light comes on again. Different issue. Charcoal canister needs replacement. Then again fuel economy sensor , drive sensor. In conclusion I purchase this car in XXXX of XXXX. Since then Ive put roughly 6 thousand miles on it. Ive had it serviced 4 times. And taken to the dealership 6 times for a check engine light. This car had multiple internal issues that was never dealt with before selling to me. As well as physical issues such as an issue with my turn signals. Which was reported to be fixed in the XXXX, but it still persists to this day. I even had my gas cap replaced. And next I fear the breaks are going. All this in XXXX XXXX miles. Outrageous. The car in question is a XXXX XXXX XXXX XXXX XXXX sport. So you can imagine the bills Ive had fixing things that Carvana should have had fixed before Selling the car to me.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect NAME : XXXX XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, RE 3. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate And Verify debt XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The Original Creditor is Inaccurate Validate and Verify This Debt XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Validate and Verify This Debt The Original Creditor is Inaccurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-03-23
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. (GA)

In accordance with the fair reporting credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account numberXXXX XXXX XXXX XXXX : account numberXXXXXXXX XXXX XXXX XXXXXXXX : account number-XXXX XXXX XXXX XXXX : account number-XXXXXXXX 15 USC 1681 section 602A states i have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s- ( 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 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NV)

Collection from sunrise showed up as owing {$120.00} to XXXX XXXX. This is a fraudulent company, showing the XXXX in front of the XXXX. There are many reports on XXXX forums and XXXX  about sunrise and their fraudulent claims. Did not have this account believe to be fraud
Consumer complaint received 2022-05-06
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. (OH)

My identity has been stolen by XXXX XXXX XXXX XXXX XXXX XXXX Na XXXX XXXX XXXX XXXX 

I have attached below my reference number for my identity theft FTC report number. 

XXXX has sold nonpublic personal information to several third parties and has furnished unknown & unauthorized debt on my credit report without my Written permission. I have asked XXXX  to provide a valid contract which is, Validation of debtthat is actual accounting, Verification of their claim against me ; that is a signed invoice, and a copy of the contract binding both parties in a letter by certified mail so that their is a witness to it having been delivered. 
However they have only provided a loan verification & truth & lending disclosure. 
I have let XXXX know that Ive never had any business with them. They have stolen my identity and has failed to provide valid proof as stated above. 

On XX/XX/2022 i spoke with XXXX XXXX XXXX who stated XXXX is our client. Their statement validates that they have stole me identity along with XXXX. XXXX has sold non-public personal information to XXXX XXXX without my knowledge or written permission. XXXX XXXX XXXX continues to furnish unknown & unauthorized debt on my credit report without my Written permission. I have let them know that Ive never had any business with either XXXX nor XXXX XXXX XXXX. 
this is a clear violation of my rights. 

XXXX XXXX XXXX XXXX XXXX. Has stole my identity and sold non-public personal information to third parties without my knowledge and written permission. 

These accounts and the credit bureaus also violated my rights under 15 USC 6802. States- NO financial institution is supposed to share my information to third party people. 

15 U.S.C 1681 section 602 A. states i have the right to privacy. 

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. 

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

FTC identity theft report # XXXX I have also attached proper documentation to verify my identity. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Hello I see a charged off on my credit report under this name XXXX XXXX XXXX XXXX XXXX XXXX. I've send a letter to Experian and XXXX with a detail letter. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropiate, based on the results of the reinvestigation : and
Consumer complaint received 2023-01-27
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX  XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have been disputing inaccuracies on my EXPERIAN credit report since XX/XX/XXXX XXXX  EXPERIAN has violated quite a few of my consumer rights. EXPERIAN has and continues to violated XXXXitle 15 USC 1681 ( a ) ( 4 ). EXPERIAN has and continues to violate Title 15 USC 1681 ( I ). EXPERIAN has and continues to violate Title 15 USC 1681 ( g ) ( a ) ( 5 ). Lastly, the have and continues to violate Title 15 USC 1681 ( n ) of the Fair Credit Reporting Act. I have attempted to remedy these injuries with no help. I have sent EXPERIAN copies of all documentary evidence supporting my claim.
Consumer complaint received 2023-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I am so XXXX and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.
Consumer complaint received 2021-10-14
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: CURO Intermediate Holdings (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2021-08-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TN)

I have been unable to dispute credit collection claims filed with Experian Prepared For XXXX XXXX, Report Number : XXXX. 

Experian.com/upload have been very problematic because it would not accept my evidences to dispute the fraudulent credit collection claim made by XXXX XXXX through XXXX, XXXX XXXX XXXX is the Community Manager. 

In XX/XX/2021, I chose not to discuss the negative comments/feedbacks regarding my assessments of the poor management of the property by the property management. Thus, I believe XXXX XXXX retaliated to my negative review of the property managment by overcharging and aggresively trying to collect that led to the fraudulent charge and the quick reporting of the charge to the bureaus. Please see the attached " XXXX - A message from XXXX XXXX XXXX complaint ''. 

My lease ended in XX/XX/2021. As shown is my last rent payment confirmation by XXXX XXXX. 
As shown below, I was awaiting a response to the email disputing the charge when XXXX choose not to respond instead filed a fraudulent debt collection claim with the credit bureaus. I consider the filing with Esperian as extortion. I am still awaiting a reply to my Final Account Statement email of XX/XX/2021. 

Disclosing and providing my social security number to the collection agency was not authorized by me.