davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
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)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Given my consistent track record of punctual payments on this account, it is unfair to have this inaccurate notation. I request an immediate adjustment to my account to accurately reflect the true history of my payments.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2024-04-10
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. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2024-04-10
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

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 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

Ensuring payments are consistently made on time for this account has been my practice, avoiding any instances of overdue payments. I'm uncertain about the rationale behind the existence of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be implemented.
Consumer complaint received 2023-06-14
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

EXPERIAN XXXX XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 XXXXXXXX XXXX
Consumer complaint received 2024-04-10
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. (CA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-16
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. (NV)

I have tried several times to let XXXX know that Ive never ever had a phone line with XXXX, its showing up on my credit report and has been for years. I never opened a XXXX account. Ive had XXXX since I was XXXX and Im XXXX years old now. They refuse to help me!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-01-23
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-10-27
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. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Byrider Franchising, LLC (WI)

On XX/XX/XXXX, I went to purchase a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I ended up financing a XXXX XXXX XXXX XXXX with balance to finance XXXX. The car came with a 4 year warranty but since I got the car there's been nothing but problems. A little over a year I went to another dealership to upgrade my vehicle but when the dealer asked for a payoff on my vehicle that's when the issue was brought to my attention. The payoff should have been a lot less than what they told the dealer and it was brought to my attention on my paperwork from my vehicle the interest rate was never included on the paperwork. I believe I was taken advantage of my situation at the time and since then I've been unnecessarily paying more than I should along with getting a vehicle that's unreliable adding unnecessary stress in my life.
Consumer complaint received 2024-04-10
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. (WA)

It has come to my attention that XXXX XXXX is reporting a credit card account titled XXXX  XXXX  XXXX to my individual consumer credit reports with EXPERIAN, XXXX, and XXXX XXXX Per 15 USC 1681a ( c ) consumer means an individual. I demanded XXXX XXXX remove this reporting from my consumer credit file on XXXX XX/XX/2024 and report immediately, as the purpose of this business credit card is for uses that are relating to business purposes ONLY, and not for individual or consumer uses. Furthermore, the entity under which this business card was issued was a Limited Liability Company named XXXX, XXXX with an IRS issued EIN. 

I called XXXX XXXX 's offices and was denied removal of this reporting to my individual consumer reports. I was told It is XXXX XXXX policy to report a business credit card to both an account holders consumer credit report AND business credit report. I care not for the policies of XXXX XXXX as no persons policy overrides federal law. 

If XXXX  XXXX continues to violate my privacy or my individual consumer rights, it will be construed as identity theft, as I did not contract or authorize them to disclose any of my nonpublic personal information per 15 USC 6802, nor did i receive any consideration ( goods, services, or money ) from the transaction of them furnishing any of my informational data to any nonaffiliated third party, whether it be a consumer reporting agency or otherwise.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

Information on hard inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX a letter from XXXX stating no service of loan ... I never had a mortgage or inquired I called XXXX XXXX said it is over the posting time on my report and readmit a dispute toCFPB 1. remove 2. I never inquired with XXXX XXXX XXXX. I am a victim of Identity Theft 4. Police reports have been filed. 

Time period on hard inquiry is past, rep said remove accordingly to the law
Consumer complaint received 2024-04-10
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. (TX)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates ( XX/XX/24 ). I'm not requesting you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to " paid '' status on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-04-10
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. (AZ)

Remove all ID THEFT FRAUD inquires AND accounts related to these accounts per FCRA : THEFT INQUIRES : XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ID THEFT ACCOUNTS- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS XXXX forms of ID, bank statement, police report, FTC ID THEFT REPORT and validation attached. this is now escalated to courts for fines related to multiple violations
Consumer complaint received 2023-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

XXXX Force-placed insurance. 
In XX/XX/2018 you purchased homeowners ins for XXXX XXXX XXXX XXXX send copies of the written notice pursuant to XXXX ( d ) ( XXXX ) that you XXXX now Community sent to homeowner before purchasing XXXX for XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

This complaint is in regards to missing information or disclosures from PayPal. We have tried numerous times to solicit an answer to the following issues to no avail.

1. What should be done when a customer sends a payment through PayPal and notes the incorrect delivery address on their invoice?

For instance, customer " x '' says they want an order delivered to " Y '' address which is their business address but, on the invoice, they put " z '' address which is their home address.

This creates an issue because, especially with regards to large orders a. the merchant can not issue a full refund due to the fact that PayPal takes out transaction fees and does not return them when transactions are refunded. If the merchant refunds the full amount, the merchant is losing the transaction fee that PayPal is keeping.

b. the merchant can not change the delivery address on the invoice afterwards to correspond to the address where the client actually wants the items delivered.

c. If the merchant delivers to the address which the client wants to deliver to but which is NOT on the invoice, the merchant loses seller protection for that order.

d. If the merchant delivers the order to the address which is on the invoice in order to ensure the seller protection, the customer may reject the order, file disputes etc. due to their irritation of where the order was delivered.

Our company needs clear, written guidance for this matter.

2. What should be done if and when an incorrect amount is sent or an any amount is sent by accident?

For instance, customer " x '' intends to send {$12.00} but sends {$1200.00}.

This raises the same issue where, if the merchant gives a full refund, the merchant loses 3 % of the transaction amount and, if the merchant issues a refund which has the transaction fee taken out ( since the merchant did not get this transaction fee in their net payment ) the customer is upset and files disputes etc.

As a seller, we can not return what we did not net ; especially if it was someone else 's mistake.

We have tried numerous times to obtain guidance on this issue directly from PayPal. Please advise.
Consumer complaint received 2024-05-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (SC)

I opened the account on XX/XX/2012 the balance owed shows {$1700.00}. I haven't spoken to or received any letters or emails from this company. They stated I verified my identity, but I haven't spoken to anybody.
Consumer complaint received 2024-06-20
Product: Credit reporting 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. (SC)

I am disgusted that I must yet again contact you regarding your utter incompetence. This marks my twelve attempt to resolve the appalling issue of denied access to my own credit report by EQUIFAX. Despite my persistent efforts, your company continues to withhold vital information about my credit history. Enclosed are the documents proving my identity, which your negligent organization apparently can not manage to process. Your continued refusal to cooperate is beyond infuriating. I demand immediate action to rectify this intolerable situation.