davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-05
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. (GA)

Beginning XX/XX/2023 I have sent Experian several disputes at least XXXX regarding incorrect late payments on my accounts for capital XXXX and self/lead. I have either received no answer, a stall letter, or a letter, stating that the information on my credit report is accurate. Its clear that they dont want to do their job because on the last letter I sent out which was XX/XX/2023. They sent me a response via email on today XX/XX/2023 with another stall letter, stating that they do not believe that I am the one repairing my credit. I am most definitely the only person working to correct the inaccuracies or my credit, Im tired of them not wanting to do whats right. I will include every dispute letter. I have sent them with dates included so that you guys are able to see that I have been trying to do this without going over their head. The inaccuracies needs to be removed as soon as possible as well as them sending out a payment of {$1000.00} because of their unwillingness to do their job in a timely fashion.
Consumer complaint received 2023-06-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (CO)

I get calls about three times per day. Sometimes will pick up. I have once told them to stop calling. The company will call from different numbers and let me know the call is being recorded but will not let me know who is calling. I let them know to stop contacting me a couple times in the early stages of the collection process because I have not received any information verifying the debt or anything but they refuse to take me off their list. Even if I answer the phone they will call later on in the evening usually to try again. I have screenshots of every time and day they call and have blocked several of their numbers to stop the annoyance but it continues.
Consumer complaint received 2020-08-13
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: DISCOVER BANK (NY)

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) and DISCOVERBANK. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) and DISCOVERBANK with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-03-07
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. (GA)

To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and Experian are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information.

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title.

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal.

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, Experian, XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX never informed me of my right to exercise my non disclosure. 

XXXX and Experian are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2023-01-24
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. (MO)

I am a confused consumer because I filed a dispute with the credit bureaus ( XXXX, XXXX, & Experian ) and these XXXX XXXX XXXX companies XXXX XXXX XXXX XXXX and XXXX XXXX Management because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.
Consumer complaint received 2023-06-05
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 2023-01-24
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: EQUIFAX, INC. (MO)

I am a confused consumer because I filed a dispute with the credit bureaus ( Equifax, XXXX, & XXXX ) and these 2 medical collections companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus.
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Tesla, Inc. (CA)

I have recently ran my credit report with XXXX XXXX XXXX XXXX and I was told that my tesla finance auto loan does not show up on my credit report. 

I also ran through other credit report and it shows that I have no Auto Loan.

I would like to get this issue fixed so I can raise my credit score and also for my record.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2017-09-19
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: EQUIFAX, INC. (NC)

I went to Equifax Cybersecurity website on XXXX XXXX,2017 see if my credit report was impacted and it was  according to Equifax. Waited until XXXX XXXX 2017 to enroll. Did that Equi fax said I would receive a confirmation email that night. TODAY is XXXX XXXX, 2017 called to ask about confirmation email was hung up on Twice before I got the third Rep who did n't know anything. I think Equi fax is just giving me and other consumers the run around with the Monitoring Service it is supposed to be offering!!!!! In the mean time my Credit is suffering severely. I have XXXX great open accounts with 100 % payments and over XXXX credit inquiries from same companies In short time spans. I disputed these inquiries in XXXX XXXX 2017 confirmation # XXXX. They came back as factual record of file access. Of course it 's going to come back as factual if MY PERSONAL INFORMATION has been hacked!!!! This has profoundly affected my credit score, bank accounts having to get new cards, credit cards being opened up that I do n't, having to call creditors to give them new card numbers and ability to receive credit. I want all unauthorized injuries removed from all three credit bureaus.Documents can be provided upon request. ALSO credit bureaus need to find another way to verify Your Identity instead of having the consumer send copy of driver 's license and social security card!!! 
Thanks XXXX
Consumer complaint received 2023-06-05
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. (FL)

Dear Sir or Madam : I am writing to dispute fraudulent charges on my account for the account numbers, amounts and dates listed. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charge and any related finance charges from my account, send me an updated and accurate statement, and close the account ( if applicable ). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies ( CRCs ) to which you provided it. 

Enclosed is a copy of my FTC Identity Theft Report, credit report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your findings and actions. 
Sincerely, COMPANY ACCOUNT NUMBER AMOUNT DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-05
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. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2017-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commercial Acceptance Company (PA)

Received letter from a debt collector named commercial acceptance company for debt owed to my XXXX account that was in good standing, that I currently was not using and did not owe any debts or fees to and had my bank account froze as a result. Last I used my free checking account with XXXX was in XX/XX/XXXX 2016 which I made a deposit of just under 9.00 to my account. XXXX did not contact me about this alleged debt and I contacted them and I had no outstanding balance. I sent to the collector letter disputing the collections and asking for proof of debt but only recieved another letter saying it is going into collections and will affect my credit score because I " did not comply with their demands '' they also stated they required payment only by credit card by writing my card information on their form including my XXXX digit CVV code. I have not paid this company and have not contacted them since. I also had this show up on my credit reports and bring my newly good credit score down XXXX points which prevented me from being able to purchase a vehicle after being without one for 2 years. XXXX removed this from my report but XXXX still has not.
Consumer complaint received 2023-06-05
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE. 

CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance details 12 % paid off Balance {$21000.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status At least XXXX days or more than XXXX payments past due Status updated XX/XX/XXXX Past due amount {$8400.00} Original balance {$24000.00} Monthly payment {$650.00} Additional info Responsibility Joint Account XXXX XXXX Months XXXX XXXX XXXX Original creditor - Comments CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS Your statement - Contact info Address XXXX XXXX XXXX XXXX  XXXX, MI XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

Hello! 

My name is XXXX XXXX XXXX I am writing to file a complaint against paypal for dragging their feet to help me get my money back from a scammer. I have not heard from them. I have already filed a police report against the seller. I am waiting to return the fake items back to her for a full refund. However paypal has not disclosed her address for me to return for a refund. I paid almost {$14000.00} for two pieces of jewelries which turned out to be fake.

I purchased a pair of authentic XXXX XXXX  XXXX XXXX turquoise earrings for {$5700.00} and a XXXX XXXXXXXX XXXX XXXXXXXX turquoise bracelet for {$7900.00} from her on XX/XX/2023. 

The set were advertised as authentic and purchased from XXXX XXXX. The earrings bear serial number XXXX, bracelet bears number XXXX. Initially, i found both items on XXXX but she agreed to sell them to me off XXXX -- via Paypal payment. 

I received both items on XX/XX/XXXX. On XX/XX/XXXX, I paid for a serial look up service to confirm the serial numbers do belong to these two particular items. The lookup service result came out differently. Both of the serial numbers belong to different piece. One belongs to a necklace, the other belongs to a bracelet. The service also includes the dates the pieces arrive at the boutique as well as the dates they were sold. The names of the boutiques were also included in the report. I found the report reliable.

I reached out to the seller requesting a return for a refund. Seller refused. She stated that I received exactly what she advertised, XXXX XXXX XXXX XXXX  jewelries with the same serial numbers as in her listings. However I would like to add, if the serial numbers dont belong to the pieces, they are not original creations of the brand therefore they are fake and not as described. 

On the same day, I went to XXXX XXXX XXXX XXXXXXXX XXXX in XXXX. The sale associate confirmed the two serial numbers belong to two different creations of the brand.
Consumer complaint received 2023-06-05
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. (FL)

On XX/XX/XXXX I obtained my credit report from all three bureaus Experian, XXXX, and XXXX and all three of them showed a bankruptcy that was reporting incorrectly. I asked all three bureaus to investigate the account with the reporting court. All three of them supposedly " Investigated '' the account and reported again next month. 
On XX/XX/XXXX I obtained my report again and asked all three bureaus to verify the account with the court once more. The bureaus supposedly " verified '' the account with the court, but no changes were made to the item in my report. 
On XX/XX/XXXX, I wrote to the court and asked them if the bureaus had verified the bankruptcy with them. The court wrote a letter to me on XX/XX/XXXX stating that neither the bureaus verified with the court, nor would the court verify a bankruptcy the bureaus. 
By law, the bureaus can only report an item in the credit report after they have verified it with the reporting entity. 
I then sent the court 's letter to the bureaus on XX/XX/XXXX asking them to remove the bankruptcy because they never verified it court and they were reporting it, which is a violation of the FCRA. I wrote to them again on XX/XX/XXXX asking them them to remove the bankruptcy. However, I pulled my credit report today. Neither Experian, nor XXXX, nor XXXX have deleted it yet. It has been more than 30 days.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Credit Karma (NE)

Credit Karma has the karma guarantee credit cards you can apply for and if you are denied, they have to give you {$50.00}. On XX/XX/XXXX, I was denied and they have not paid me the {$50.00} that they said I would get if I was denied.
Consumer complaint received 2024-03-07
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. (TX)

XX/XX/XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent. 

XX/XX/XXXX XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent. 


XX/XX/XXXX XXXX XXXX Pulled a hard inquiry on my credit report. I did not authorize for this inquiry, this was a fraudulent inquiry that I do not approve. I contacted this company at the number XXXX on XX/XX/XXXX I asked them to send me documentation on why this was reported and how the application was submitted along with how they verified the person submitting the information. This inquiry need to be removed as it is fraudulent.