davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-04
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. (KY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-11-08
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. (FL)

Late payments are illegal according to 15 usc 1681 a ( 2 ) ( 1 ) under exclusions.

15 usc 1681aDefintions ; rules of constructions ( 2 ) ExclusionsExcept as provided in paragraph ( 3 ), the termconsumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed to the consumer no later than 21 days before the payments due date
Consumer complaint received 2024-04-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

My issue is that it wasnt made clear to me before making XXXX XXXX purchases through XXXX XXXX on XXXX XXXX for XXXX euros and XXXX on XXXX XXXX for XXXX XXXX  how long my funds would have been held from me, and when I made the purchase I was VERY disappointed to learn that I couldnt access my money until XX/XX/XXXX and XX/XX/XXXX and also couldnt cancel the transaction either. A day later the withdrawal hold was extended without explanation to XXXX and XXXX of XXXX which is unacceptable. I absolutely need the money before this date. 

I have contacted customer support chat several times on the app without help or any explanation as to why my withdrawal hold has been extended so that I could help solve the issue. I dont want to use coinbase anymore, you guys have lost me as a customer, I just want the funds that I paid for. It would be fine to refund my money but since thats unlikely to be possible at this point Im okay with having the hold lifted to be able to withdraw my funds.

I especially dont want to wait the full withdrawal hold time since Ive read way too many stories of people having their hold times get arbitrarily extended again and again and not get any help from customer service in resolving or reviewing the case. Besides the money is currently urgent for me. Im going to be telling others on social media about my experience with coinbase. It seems if you want your funds toyed around with and no assurance as to when youll have access to them, coinbase is the way to go.

I have these two case numbers given to me through email : # XXXX and # XXXX
Consumer complaint received 2023-12-04
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. (KY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Late payments are illegal according to 15 usc 1681 a ( 2 ) ( 1 ) under exclusions.

15 usc 1681aDefintions ; rules of constructions ( 2 ) ExclusionsExcept as provided in paragraph ( 3 ), the termconsumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 usc 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed to the consumer no later than 21 days before the payments due date
Consumer complaint received 2023-11-29
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. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( REGIONAL ACCEPTANCE ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Consumer complaint received 2023-08-31
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. (GA)

I XXXX XXXX have reviewed my credit reports and noticed I have several un authorized inquiries. I have listed all inquiries with other supporting documents. 

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 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 2023-12-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

It has come to my attention that fraudulent accounts are staining my credit report, negatively affecting my overall financial standing. I insist on the immediate removal of these accounts to rectify the inaccuracies and restore the integrity of my credit history. 
XXXX FIN XXXX PLEASE DELETE!!! 
The presence of these fraudulent accounts is not only damaging my creditworthiness but also hindering my ability to secure favorable financial terms. I demand that your bureau conducts a thorough and expedited investigation into these accounts and takes prompt action to delete them from my credit report. 
I must emphasize that the continued inclusion of these fraudulent entries is causing severe distress and harm to my financial well-being. It is imperative that your bureau upholds the standards outlined in the Fair Credit Reporting Act ( FCRA ) and ensures the accuracy and fairness of the information it reports.
Consumer complaint received 2023-12-04
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. (FL)

The unverified ACCOUNTS indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these ACCOUNTS to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following ACCOUNTS to be corrected from my file right away XXXXXXXX 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 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (LA)

Hyundai submitted my account as bad credit charge-off. The account is a JOINT ACCOUNT with my wife. Payment arrangement was approved. Hyundai {$5.00}, XXXX cashier check was mailed and delivered- with signature. The account was never delinquent, because the next due date wasn't until XX/XX/2024. There's no way the account should have been a charge off or bad credit when we received monthly statement via email from Hyundai informing us the next upcoming payment is XX/XX/2024. None of this making sense, so Hyundai needs to recheck because they have the check for {$5800.00} and correct my credit report.
Consumer complaint received 2024-04-01
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. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with ought my written instructions.
Consumer complaint received 2023-12-04
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. (NC)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

I had a corporate Amex card through my last company, when I left the company in XXXX XXXX I paid the balance and the card was confirmed closed by XXXX XXXX. Since then I continue to receive phone calls ( that start at XXXX, including on weekends, and continue throughout the day to XXXX any day of the week ) and now I'm getting emails about collecting on a past due amount for that card. I answer every call to explain the situation, every time the customer service person confirms the account was paid in full and closed, they assure me I will no longer get calls, calls haven't stopped nor have the emails. I report the emails to my email provider and try to block the senders to no avail. Recently, they have stopped responding when I answer a call, I'm sure my number is robo dialed then the rep sees a some kind of " DO NOT CALL '' message on my account and they hang up before speaking to me, but its just as harassing as them answering. How do I get this harassment to stop? I'm happy to sue if needed to get this to cease, I'm at my wits end. I have spoken to any department that will listen, usually they just dump me through a few departments and then I get hung up on, shocker, with no actual resolution. I also wrote to their " compliant '' department but haven't gotten a response. Help, I'm being harassed by AMEX!
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (DE)

The XXXX XXXX XXXX I financed has an Oil Consumption Recall. This information was not provided to me when I financed the vehicle in XX/XX/XXXX. The car has turned off on me while driving, it has burned oil to the point where I'm driving with no oil. I have to add oil to the car every 2 weeks, even after I get the oil changed. 

The main issue is that the engine will eventually fail. I took it to XXXX dealer to get it checked and they said my warranty is expired and I will have to pay out of pocket. ( the car has XXXX miles ) I am driving this car and feel unsafe. I plan on turning the car back to the dealer. I was told by the finance company I will owe the remaining of the loan once I return the car back to the dealer. I don't think it's right that I have to pay a car loan that has so many issues and XXXX refuses to fix the problem.
Consumer complaint received 2023-12-04
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
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. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX  Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$1700.00}
Consumer complaint received 2023-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CT)

Discover continues to report a debt they claim was an error in their computer system, I reported the situation to the police in December of 2022 because they continued to tell me they were fixing the situation and they did not. I am requesting that the identity theft related debt be removed from my credit file
Consumer complaint received 2023-11-08
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. (RI)

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 2023-12-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I sold my home to my friend using the VA transfer process. We started the process in XXXX XXXX  and the mortgage company was PennyMac. PennyMac dragged their feet on the process, even acknowledging they didn't even start looking at the transfer until nearly 45 days after receiving the request. Due to PennyMac 's delays, lack of communication and the inability to even get ahold of them, the sell of my home to my friend took nearly 5 months. My friend and I are both active duty in the military and this occurred during both of us conducting a military move. PennyMac 's delay cost me thousands of additional dollars in hotel and food expenses as I couldn't close on my new home until the transfer was complete.
Consumer complaint received 2023-12-23
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. (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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-31
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: Medical Data Systems, Inc. (AL)

When checking my report I saw that there are accounts still being reported that where previously disputed due to fraud. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts in question from my credit report. This has caused emotional strain and has been extremely time consuming for me to continue to request that these accounts be removed. I would like to see penalties against the companies involved for failing to investigate claims of identity theft and for the emotional stress that this experience has caused. These companies failed to verify information given to them. XXXX XXXX IS REPORTING INCORRECT INFORMATION IN THE AMOUNT OF ( XXXX ) INCLUDING THE WRONG SOCIAL SECURITY NUMBER WHICH DOES NOT BELONG TO ME. MEDICAL DATA SYSTEMS INC IS REPORTING A {$150.00} Open balance FOR XXXX XXXX XXXX a creditor they claim to no longer be collecting for yet the information is still on my reports, there has been no efforts made to remove them. 
I am once again requesting immediate removal of these fraudulent accounts. Not for them to just sit in Dispute status.
Consumer complaint received 2024-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :