davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I would like to dispute the following items off my credit report : XXXX : XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Experian : XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-06-24
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. (NV)

In the past several months I have sent letters certified in the mail, asking them to take off the inaccuracies m. I have repeatedly reminded them kindly that According to FCRA section 605b, its illegal to report any inaccurate information on my credit report. Please remove these negative items! The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I KEEP SENDIN LETTERS AND NOTES AND NOTHING CHANGES! XXXX  loans are still on there, along with the innacuracies!
Consumer complaint received 2021-02-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I'm coinbase customer since 2017. A few weeks ago, coinbase asked me to verify my account again. So I did provide all necessary information and uploaded my ID card. Since then my account is restricted cause it's being reviewed for so long. 

In my account I get the message " Account under review. Your account is currently being reviewed and we need some time to verify your info. During this review, you won't be able to use Coinbase. Reviews generally take a few days, so sign in every day or two to check your status. '' I can not buy/sell/convert any currency and I can not send/receive funds. So my money is literally locked at coinbase now for weeks. 

I already submitted a ticket XXXX XXXX # XXXX XXXX but they aren't helping me.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Tesla, Inc. (DE)

Violation PRICING/DISCLOSURES Consumers need to know the full costs and have clear information about the terms and conditions before they enter into transactions. XXXX advocates for price transparency and against hidden fees. XXXX also supports requirements for complete and easy-to-understand disclosures to help consumers make informed buying decisions. 

Tesla account ( XXXX & XXXX ) XXXX XXXX Car Name XXXX I had an appointment at Tesla on XX/XX/2024. { My concerns were regarding my suspension. Air continuously leaks from the suspension. And there is a squeaking noise coming from the left driver 's tire. The vehicle functions properly while in motion, but when it remains stationary for an extended period, the issue portrayed in the photo arises. } After a diagnostic assessment, the specific source of the air leak could not be determined. I was charged {$200.00} for a service that was already highlighted during my initial explanation of the problem. Furthermore, I was pressured to sign a diagnostic estimate rather than being provided with a new estimate that accurately reflected the work I had requested. This lack of price transparency made the total cost unclear.

I expressed my discomfort with signing an estimate that committed me to additional work beyond our verbal agreement, and I requested that only the services agreed upon during the visit should be carried out. I did plan to assess the possibility of repairing the airline, or if necessary, I would procure a replacement. However they proceeded to replace the airline without my consent first. They told me the airline was replaced the day I had to return to work, but that it didnt fix the problem. And asked me did I want them to replace the left and right air spring module. I told them no because the parts were overpriced, and the part # on my old part was different from the part on the invoice. I did agree to pay the bill but solely off the quote the technician told me when we went over all options of the airline. I was later billed a {$1000.00} with no resolution to the issue. We later found out the technician quoted me on the part + diagnostic fee + repair labor as the price for the replacement. Which is confusing to me because the diagnostic fee was paid during my first visit, and I wouldnt needed the part if the airline part was repairable. 
The service center declined to accept responsibility and only provided a revised estimate after the dispute, whereas I should have been presented with that new estimate to authorize right from the start highlighting our service agreement to display the total cost and ensure transparency in pricing.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern and frustration regarding the lack of response and ongoing negligence shown by Trans Union in resolving discrepancies in my credit report. Despite my numerous attempts to rectify the situation, it has become evident that my concerns have been disregarded thus far. 

I have recently received a copy of my credit report. I discovered multiple errors in the personal identifiers section. These inaccuracies pose a significant threat to my identity and could potentially cause severe consequences if left unaddressed. 

Furthermore, I need to highlight the incorrect reporting of my Name and address. 

In addition, I strongly insist on the immediate elimination of any employers and phone numbers incorrectly associated with my credit report. I do not provide consent for any unverified or potentially outdated information about myself to be retained or reported. 

I understand that it is the responsibility of Trans Union to ensure the accuracy of the information provided to lenders and other stakeholders. The erroneous data currently present in my credit report is not only diminishing my financial opportunities but is also negatively impacting my chances of securing my financial freedom. 

I have attempted to address these concerns through various communication channels, including letters, phone calls, and online submissions, but Trans Union has failed to respond to any of my inquiries. This unresponsiveness has left me feeling ashamed, embarrassed, and frustrated, as I am unable to rectify these inaccuracies promptly. 

As a responsible consumer, it is my duty to bring this matter to your attention as the competent authority within Trans Union. I kindly request your immediate intervention to ensure the verification and removal of all the inaccuracies mentioned above within the shortest possible time frame. 

Please understand that time is of the essence in resolving these issues. I urge you to take immediate action to correct my credit report so that I can regain control over my financial standing.
Consumer complaint received 2023-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (WY)

XX/XX/2023 submitted an IDR plan application and never heard back. I have called nearly every day since XX/XX/XXXX to be met with estimated wait times ranging from XXXX to over XXXX minutes, have left a callback request and received a callback 3 times ... of those 3 times, 2 of them rang once and when I answered the caller hung up... The one agent who I did speak with, XXXX, she said she didn't see an application had been submitted though I confirmed it had been sent on FSA website... My other 2 servicers have already processed the request... I tried emailing as well but no response... I tried uploading the application and tax info and in the documents tab showing what I've uploaded only the tax info was there but only for 5 days, then it disappeared... I tried uploading the application again with the same result ... According to the agent J spoke with it should only take 24 to 48 hours to trigger a reply once documents are uploaded but here we are a month later and no response... Meanwhile, I have forked over one paycheck as of XX/XX/2023 to avoid default since I have a perfect payment record for almost 10 years including making payments during the pandemic pause which is the equivalent of 10 monthly payments under last year 's IDR plan ... I need some help from them since I received a billing reminder for next month that I can't make and will wipe out 10 years of on time payment...
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Weltman, Weinberg & Reis Co., L.P.A. (NV)

On XXXX, XXXX, I received an administrativesettlement of an '' alleged debt '' from Weltman, Weinberg & Reis L.P.A., Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$7100.00}. Without notice XXXX XXXX XXXX XXXX corresponded with Weltman, Weinberg & Reis L.P.A., in regard to the amount in question. XXXX XXXX XXXX XXXX is currently the reporting agency on my report with Account XXXX. XXXX, for the alleged debt that Weltman, Weinberg & Reis L.P.A., claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. XXXX XXXX XXXX XXXX and Weltman, Weinberg & Reis L.P.A., erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. 

On XXXX, XXXX, I received an administrativesettlement of an '' alleged debt '' from XXXX XXXX XXXX, Reference No. # XXXX in an attempt to collect an alleged debt in the amount of {$18000.00}. Without notice XXXX XXXX XXXX XXXX corresponded with XXXX XXXX XXXX, in regard to the amount in question. XXXX XXXX XXXX XXXX is currently the reporting agency on my report with Account No. XXXX, for the alleged debt that XXXX XXXX XXXX claims is owed. Respectively trespassing on my XXXX, XXXX, and XXXX consumer credit reports. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, erroneously reported to me a contractual debt and that a civil dispute exists with us which is false, there is none to my knowledge. I've requested that these agencies validate these alleged debts, and produce the original contract to verify their claims against me. After a month there has been no response to my notices. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times. 15 U.S.C. 1681, Section 602 A. states that I have the right to privacy. 15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. I demand in these instructions that the accounts Account No. XXXX, Account No. XXXX that are listed above, be removed according to 15 U.S.C. 1681.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX told me to contact the bank and see if they had a collection on the matter BofA Bank and told me they did not ever see any time I had a account with them The credit card was opened in XXXX and BofA wnt back to the XXXX 's
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA 623VIOLATION PLEASE DELETE UNRECOGNIZED ACCOUNT.S : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have fraudulent accounts and a address on my credit report. 


Fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc. (IL)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit reporting agencies.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I would like to opt out of all XXXX XXXX, Experian, XXXX pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX- I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-24
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. (GA)

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 NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I RECENTLY DISCOVERED AN ACCOUNT ON MY CONSUMER REPORT THAT DOES NOT BELONGS TOME, I REQUESTED A SSA-89 FORM THAT SHOWS MY BARE SIGNATURE AND IT WAS NOT PROVIDED TOME. I AM ASKING THAT THIS ITEM BE DELETED FROM MY CONSUMER REPORT AS IT IS A DIRECTVIOLATION OF MY CONSUMER RIGHTS AND THE FCRA VIOLATED WHICH STATES COMPLETE ANDACCURACY AND SHOW WITHOUT A DOUBT THAT THE ALLEGE DEBT BELONGS TO ME, BECAUSE SAIDINFO HASN'T BEEN PROVIDED AND MY RIGHTS AS A CONSUMER WAS VIOLATED UNDER THE 15 US1681B I DEMAND REMOVAL ASAP OR I WILL BE FILING A LAWSUIT TO PURSUE FUTHER ACTIONS. THEACCOUNT IS XXXX XXXX XXXX PLEASE REMOVE ASAP
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I had a check stolen in the mail and someone rewrote the check for {$1300.00}. They took it to XXXX XXXX  and cashed it and of course fifth third bank ( my bank ) removed XXXX from my account. This happened on XXXX XXXX, XXXX. It shouldn't take 3 months or longer to correct this and return the funds to me. XXXX XXXX  is dragging their feet on the investigation. I have filed a police report, a US postal report and domestic collections report at fifth third bank. The check was fraudulently cashed at XXXX XXXX and it's not my fault and I feel that I should be reimbursed immediately. Fifth third bank is telling me it could take 180 days and this is a ridiculous amount of time to withhold my money.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX XXXXXXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Balance : {$3200.00}
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-12
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. (MS)

I've viewed a copy of my credit report and noticed today that they're multiple inaccurate and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

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.