davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-10
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. (PA)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' Experian Information Solutions Inc. " a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the major credit bureaus this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I was buying a product from someone on XXXX and they seemed totally normal. We agreed that I wouldn't pay them any money until they sent me a picture of the receipt, which they did. Once I saw the receipt, I sent the money through XXXX XXXX in my Banking app ). I transferred once for shipping and once for the product itself. 
{$120.00} to XXXX on XX/XX/2022 through XXXX for shipping {$300.00} to XXXX on XX/XX/2022 through XXXX as well The seller has changed their XXXX name and picture multiple times since the transaction Once they sent me a receipt and I payed them, my conscience kicked in and I researched the shipping company " XXXX XXXX XXXX XXXX and things seemed off, but very in depth. 

I confronted the seller, and they changed their name and photo after arguing in broken XXXX. 

XXXX hasn't helped at all, my bank hasn't done anything either, XXXX can't do anything. I've filed reports with my bank multiple times, and I even filed a report with the FBI, and I haven't even heard back from them. 

I can provide photos and more information upon request, but they all have personal information so I can not attach them on this page. 

Please help
Consumer complaint received 2022-08-10
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. (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 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have been asking this CRA to provide a consumer credit report since XX/XX/2021. With each request, I provided my Identification, a current utility bill and also my social security card. equifax continues to IGNORE my request. I have sent in a request 4 times with identifying information only to be denied my consumer report. Also, they will not allow me to access my consumer report online. I also provided proof to this CRA about the numerous unauthorized inquiries on my report only for them to tell me, inquiries are a factual report, which we all know is another LIE
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

1. XXXXXXXX XXXX Account Number : XXXX Bal : {$4800.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$100.00} 3. XXXX XXXX Account Number : XXXX Bal : {$840.00} 4. XXXX XXXX Account Number : XXXX Bal : {$2800.00}
Consumer complaint received 2022-08-10
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. (NY)

To whom it may concern, I the consumer sent EXPERIAN a dispute letter ( a copy of the letter and my consumer report will be submitted with this complaint ) on XX/XX/2022 demanding deletions of multiple accounts that were furnished on my consumer report. I NEVER gave EXPERIAN any written consent to report anything on my consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). This is identity theft. 

I have disputed this with EXPERIAN 7x through the CFPB portal to delete these alleged debts owed. Due to this identity theft committed by EXPERIAN and furnishing this information on a consumer report I suffered from their abuse. As a consumer I suffered from XXXX  and XXXX because I was unable to obtain employment and credit causing financial strain nor have I been able to obtain insurance or housing. My family and I suffered from the abuse caused by EXPERIAN. My family and I have been violated and this abuse is a violation according to 15USC 1692d. EXPERIAN knowingly and willfully obtained my consumer information and used it to furnish consumer reports. This is a violation according to 15 USC 1681q and is a fine under title 18, United States Code,.

As a consumer my right to privacy was also violated by furnishing consumer reports to from identity theft of my consumer information. Which violates 15 USC 1681 ( 4 ).

These false and misleading practices used to obtain my consumer information from XXXX XXXX and various other sources violates 15 USC 1692e ( 10 ) Sincerely XXXX XXXX
Consumer complaint received 2022-08-10
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 2022-08-10
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. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX can be located at XXXX XXXX XXXX XXXX, XXXX, SD XXXX | ( XXXX ) XXXX 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
Consumer complaint received 2022-08-10
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: Westlake Services, LLC (TN)

Re : XXXX XXXX XXXXXXXX XXXXXXXX XXXX  Serious Problems VIN : XXXX I submitted this letter in XXXX of XXXX, the following : ( XXXX ) XXXX XXXX XXXX of XXXX, Tennessee, and ( 2 ) West Lake Financial Services. 

XXXX Recall Information was provided too Westgate Financial and XXXX XXXX, in XXXX of XXXX!! 

As the car finance company, Westgate Financial proceeded to do nothing about my constant attempts to resolve the serious problems, I was having with my XXXX XXXXXXXX XXXX XXXX 

My XXXX XXXX XXXX XXXX had multiple Transmission and Air Bag Problems including the following : Air Bag Problems include the following : ( 1 ) poorly functioning and ( 2 ) pop-out of position while driving or at a complete stop. 
Transmission Problems include the following : ( 1 ) made loud noises, ( 2 ) vibrating and shake during driving, ( 3 ) XXXX slipping, ( 4 ) chokes-jumps when accelerating, ( 5 ) failure to go into reverse, and ( 6 ) transmission failure-stopped completely died on the highway. 
XXXX XXXXXXXX XXXX XXXX XXXX transmission. 

Despite XXXX recalling XXXXXXXX XXXX XXXX vehicles, I XXXX XXXX XXXX, never received any type of Notification the Recall!! XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX  due to Bad transmission. 

In XXXX, my car started making Horrible noises from the vehicle transmission. Despite XXXX recalling XXXX XXXX XXXX vehicles, I never received any type of Notification the Recall!! 

XXXX recalled nearly 13,000 model-year XXXX XXXX XXXX due to Bad transmission. In XXXX, my car started making Horrible noises from the vehicle transmission. 
During late, XXXX and early XXXX, my XXXX XXXX  transmission problems progressed to the point where after stopping completely, it had to slightly accelerate so that the rpms would drop then reapply the accelerator. 

I never received any Notification of XXXX issued Service Campaign Bulletin XXXX, Service Campaign for the XXXX XXXX XXXX XXXX  This campaign was issued to address noise, vibration and poor acceleration caused by belt slippage in the XXXX  transmission with the fix reprogramming of the Transmission Control Module ( TCM ). 

XXXX then issued Technical Service Bulletin ( TSB ) XXXX XXXX to address Judder on Deceleration Under 15 MPH. 

During the last 6-plus years, Westgate Financial reported and destroyed my Credit and by sending negative notices to all three Credit reporting Organizations Bureaus!!
Consumer complaint received 2022-08-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

IT'S absurd how this is! This account is unknown to me. Why does it show my credit report? This account has to be verified, please! I am not under any obligation to this account.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

So basically after I literally put all my money into another bank account, its only been 1 week since the switch happened.I literally was just about change my direct deposit and they just completely kicked me out of my own account with no warning. Bank of America is closing my account and wont explain why. I never did anything illegal with my account its literally my work checks direct deposited every 2 weeks. I feel like they are discriminating against me because of my race. Its no other options, because I legit work everyday I have my money deposited into the account. Its in my account records you can see how many checks from work has been deposited. Im very upset and I think its unprofessional of them to not even warn me or even explain why. Its sneaky and a easy way to discriminate.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I mailed a dispute letter to the address provided at https : //www.experian.com/blogs/ask-experian/credit-education/faqs/instructions-for-disputing-by-mail/ and it was received by them on XX/XX/22. After the 30 days had passed with no response, I called Experian. They told me the 30 days didn't count because I sent it to the wrong address. I said well i sent it to the address on your website, and he legit said the website is wrong. Than he hung up on me. So I called back, and spoke to a lady who again said the 30 days don't count but this time it was because I have to reach out to the people who did the inquiry. I explained I did so with no response, and that regardless, it was still Experian 's job to respond within 30 days which they did not. This is a violation of the FCRA and I DEMAND the disputed information be removed immediately.
Consumer complaint received 2022-08-10
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. (OK)

On XX/XX/2022 I submitted a complaint to cfpb # XXXX it was in regards to this same account regarding XXXX placing this old account with a collection company regarding the balance on this account. I reached out to XXXX and never had follow up in regards to the balance discrepancy, then I received notice from XXXX XXXX XXXX ( a collection company ) who SUSPENDED COLLECTION ACTIVITY. I do not owe XXXX {$340.00}. The account was closed on XXXX and I've had the account for XXXX and it's not shown up on my credit report until now. I paid XXXX {$260.00} on XXXX and {$280.00} on XXXX. XXXX has acknowledge the {$280.00} for XXXX but not the XXXX payment of {$260.00}. Where did the payment go? I have the cancelled checks which is all included in the aforementioned cfpb complaint in regards to this matter.
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

Paypal 's new " pay in 4 '' option. 

I have had several instances of making payments and then returning the materials so my money is refunded. Although I can see that the company has refunded the money to Paypal, they only show a " refund pending '' balance in my account for weeks or sometimes MONTHS. I have been unable to actually get my refund until I speak with 5-10 customer service representatives and/or file a complaint with the local Better Business Bureau. This has happened to me now on four separate occasions. I believe it is purposeful on their part.

I'm attaching the latest one, refund sent by the company on XX/XX/XXXX, but it's still showing as " pending '' in my account.
Consumer complaint received 2022-08-10
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

I'm a joint owner of this account. The account fell pass 30 days, Schoolsfirst never notified me, called or email. Myself and the primary owner are divorced and I dont have any contact with her. Now my credit shows 30days late, I had no idea that account was late. Schoolsfirst will not provide a web login, they wont even let me know the address on file. They never sent my any any invoices to my address. I want the 30 days late removed.
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-08-10
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. (OH)

I did not consent to, authorize nor benefit from the following Accounts or Inquiries. XXXX and remove them. 
( 1. ) XXXX XXXX # XXXX ( 2. ) XXXX XXXX XXXX. ( 3. ) XXXX # XXXX. ( 4. ) XXXX XXXX. ( 5. ) XXXX # XXXX. ( 6. ) XXXX XXXX # XXXX. ( 7. ) XXXX XXXX XX/XX/2022 ( 8. ) XXXX XXXX XX/XX/2022 ( 9. ) XXXX XXXX XX/XX/2022 ( 10. ) XXXX XXXX XX/XX/2022. 
Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

TRANSUNION IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INACCURATE INFORMATION IN MY CREDIT FILE.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

TRANSUNION IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIGHT TO PRIVACY AS THE CONSUMER.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

TRANSUNION HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
TRANSUNION WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY.
Consumer complaint received 2022-08-10
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. (TX)

I have inquiries that I have no idea where they came from. My credit report shows multiple credit pulls for my score, but I shouldn't have anything pulled. I haven't applied for anything new. 

In accordance with the fair credit Reporting act my rights have been violated. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1861 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This company continues to violate my consumer rights as i show proof with the attached documents showing how this company does there investagation without proper prodcures. Then they come an tell the CFPB that they either need more time or they did a correct investagation on a consumer dispute. I have asked this company to show XXXX XXXX of what they verified and who they verified it from but i yet have not gotten anything that clears that what i have asked for as a consumer. I continue to explain the US law 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-10
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. (PA)

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g I clearly sent, '' TransUnion '' a Cease and Desist notifying in writing that I the consumer exercise my right to cease further communication through any medium other than written mail. I respectfully request their offices to provide me competent evidence that I have any legal obligation to pay them. At this time I also informed them if their offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or TransUnion ) this action may constitute fraud under both Federal and State laws.Pursuant to 15 USC 1681. I the consumer have 30 days to a reinvestigation. I am submitting this complaint to make sure I receive my proper investigation within these 30 days