davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
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. (CA)

These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. code 15 U.S.C. & 1681 Section 604 of The Fair Credit Reporting Act.
Consumer complaint received 2016-03-09
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IMMEDIATE RECOVERY GROUP, INC (MI)

The agency, Immediate Credit Recovery Inc, stated over the phone on XXXX XXXX, that they had tried to contact me at an address I moved from in XXXX 2013. I only discovered there was a court decision when I saw that they had taken {$160.00} out of my XXXX SSI on XX/XX/XXXX. 

I have called and also emailed them. I was referred to their " XXXX department '' once the original representative, a XXXX XXXX, discovered I was on XXXX with the judgement that I was unable to work. But their XXXX department has not returned my calls and I 've been calling for XXXX week now. 

I have asked to see the court order, and the original debt, as I was under the impression that when XXXX took money from my court ordered back pay, my entire student loan debt was paid. I spoke to collectors prior to my XXXX award, at which time I had been XXXX homeless for about 6 years, so I did not refuse to pay the debt, I honestly had nothing to pay the debt with. This is a fact that another credit agency took the time to verify, so I do n't understand why this agency could not do the same. 

I have tried to tell the credit agency that with my current rent, after they take the {$160.00}, it leaves me only {$17.00} for the month. I can not easily find cheap housing, as I have been denied housing without a co-signer, because, I have been told, my monthly SSI payments of {$1000.00} are not enough for me to rent an apartment by myself. I currently have to rent month to month. 

I would appreciate at the very least to have the paperwork in my hands, for my records, to settle my debts once and for all. I do not understand why the agency could not find me at my present address in XXXX Michigan : I have lived here for over 2 years now, and other agencies have found me, such as the California XXXX XXXX. Also, they found my bank account information, which is a different bank than the one I used in XXXX XXXX. 

This is causing me enormous XXXX, which I understand is not easy for people just doing their job of debt collection to sympathize with. But I have little and sporadic family or social support here in Michigan, I am quite isolated and I feel helpless at this point. I am trying to find cheaper housing but until then, I do not know how to live on {$17.00} a month. 

Thank you for your time and consideration,
Consumer complaint received 2024-03-31
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. (GA)

EQUIFAX RE-INVESTIGATION REQUEST NOTICE XX/XX/2024 I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. 
EQUIFAX is currently reporting negative information as a violation to federal laws.The U.S. Bankruptcy Court stated that they did not provide information to EQUIFAX and neither did I XXXX XXXX provide information or give them permission to report information.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention. 

XXXX XXXX
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: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : -.
Consumer complaint received 2024-04-01
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: EQUIFAX, INC. (CT)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-03-31
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. (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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Don't recognize these recent credit inquiries. 

XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2024-03-29
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. (CA)

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. The accounts that must be updated ae the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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  : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX  XXXX : Account # XXXX have violated my rights. 

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

15 U.S.C.1681,1 Section 604 A section 2 also states a consumer reporting agency can only furnish an account with 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 or 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 data is inaccurate.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been trying to get statements for my XXXX motorcycle loans. In XX/XX/XXXX, USAA said I will no longer be a member with USAA. Since then I have n't gotten any statements. When I call I am asked to answer security questions. After they verify my information then I am put on hold, sometimes this hold is forty eight minutes to an hour. When the representative comes back, their reply is to hold for a manager. Again the wait varies thirty to forty-five minutes. When manager answers, they go through the verification again. Only for them to tell me they can not access my loans. Then they will give me other phone numbers to call and they say the XXXX office is the only office that can help me. XXXX motorcycle loan was open in XX/XX/XXXX and the other XXXX opened in XX/XX/XXXX. Since XX/XX/XXXX I have not had access to my accounts and USAA has not provided statements to me. I have been mailing payments with no confirmation of payment received. I am currently in the process of selling the XXXX motorcycles and I need the payoff amounts, but again USAA has refused to give me access to my loans.
Consumer complaint received 2017-04-09
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (CA)

I opened a dispute with Discovery Credit Card against the XXXX this Merchant charged me {$270.00} when They towed My car and they did it improperly damaging the rear differential on my XXXX, Discovery Credit Card Dispute department denied to assist me to clear up this charge saying the Charge is valid, Their department when I spoke today with a representative with the name of XXXX said to me the charge is valid if I want to dispute it I have to do it directly with the merchant, I told him I 'd dispute with the merchant If I would had paid directly with my personal Check or Cash money, This is not the case I believe using Discovery Credit Card I have some rights under FAIR CREDIT BILLING ACT. 
Using the same card agreement Statement I have with Discovery They do n't want to honor it as it says : 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address ; and ( b ) the purchase price must have been more than {$50.00}. 
I believe I meet the criteria above the same one I found : XXXX
Consumer complaint received 2023-10-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I noticed a debt from CCS Collections on XX/XX/2023 stating that I had a debt that they are collecting on I asked CCS Collections do they have a purchase agreement from the original creditors XXXX XXXX  to legally collect on the debt and place it on my credit report according to the Fair Credit Reporting Act. They told me they dont have a legal agreement to collect on the debt and that they are affiliated with XXXX XXXX to collect on the the Debt and would need to contact them too. I also contacted XXXXXXXX XXXX  on XX/XX/2023 and they also told me they dont have an agreement with CCS collections to collect on the debt and they are not affiliated with the company and they charged off the debt without proper documentation agreement in place. I called CCS Collections back and spoke to a manager and she said they are indeed representing the client XXXX XXXX and they dont have a purchase agreement to collect and without documentation they have the legal right to collect on the debt. I told they Im denying the debt without proper documentation to collect on this debt legally.
Consumer complaint received 2023-07-01
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: CREDIT ACCEPTANCE CORPORATION (MI)

Unauthorized/unsolicited Hard Inquiries from XXXX Credit Report XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX CREDIT ACCEPT CORP/CAC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Coinbase, Inc. (ME)

A few months ago my coinbase XXXX card was deactivated, when I asked coinbase why it was deactivated they said they could not tell me why. Shortly after the deactivation I had a small refund post to the card, however it was small and did not worry me much about not getting it. However recently an additional {$150.00} refund posted to the card, this is a larger amount and so I tried to contact the live chat in the coinbase app to get my total card balance and how to withdraw it. The app told me to call the coinbase support number on the bank card. I first asked XXXX what would happen to the money and they said the bank should reverse the refund and it will go to my XXXX balance, however over a week later it was never reversed so I called the number on the coinbase card and they said they can't check my balance because it is closed and to contact the app live chat to withdraw it. But the app live chat just tells me to call the number and instantly ends the chat, not allowing me to speak to a human on the chat. I am at a loss, don't know how to get my money back or how to get in communication with anyone. I have over {$150.00} in the account, I believe the other refund amount was like {$25.00} so probably closer to {$200.00} in there
Consumer complaint received 2024-03-29
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. (TN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-03-29
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. (TX)

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXXXXXX {$61000.00} XXXX XXXX XXXX {$61000.00} XXXX XXXX XXXXXXXX {$0.00} XXXX - XXXX {$0.00}
Consumer complaint received 2023-05-26
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)

XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
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 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (SC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX Blank/Missing ( XXXX ) - ( XXXX ) XXXX
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-11-29
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 received results for dispute # XXXX on XX/XX/XXXX. In that dispute I provided Experian with clear evidence from the Creditor, XXXX XXXX XXXX, that my XX/XX/XXXX mortgage payment was NOT 30 days late as it was being reported. The payment was made on XX/XX/XXXX which is reflected on the statement they were given. This is clearly not late by 30 days. Despite this evidence, Experian closed the dispute without fixing their mistake. XXXX XXXX XXXX  is aware of this issue but blames Experian. They state they are NOT reporting my account late for the month in question. This is costing me the ability to get a mortgage and neither company should be allowed to be so negligent with their reporting. Ive now had to submit a new dispute today and wait to see if they will actually correct their mistake in 30 days or if I will not be able to buy a home until XXXX because of their carelessness.