davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (AZ)

I was looking for a company on XXXX that produces XXXX analyzers for mines. In XX/XX/2023, I found a company XXXX XXXX XXXX XXXX XXXX, which offers XXXX analyzers for mines, for examining stones. They advertise their machines for analizing metals, powders and liquids, which was supposed to solve my problem at XXXX XXXX XXXX. Because although I have a handheld NITON XXXX XXXX, I missed a machine for testing powdered stones and their chemical solutions. They offered their XXXX machine for {$9600.00} with shipping. I made the payment to their account through my bank USBank on XXXX. 

Unfortunately, this shipment was partially looted by XXXX employees. After the sellers completed the missing components and the machine was put into operation, problems arose. Their XXXX machine was doing fake analyses. To check their machine, I tested the same products ( metals, stones, stone powders, electrolytes from electrolysis and electrodes ) with their machine and mine, which was refurbished by XXXX company. 

It turns out that their device makes false results, it does not even detect metal plated on the electrodes : iridium, platinum, gold, silver, rhodium, palladium and others. 

I asked this XXXX company to reprogram their machine for mining, but they can not do it. I asked them for a refund because their machine is not suitable for mining, but they refuse. I asked XXXX XXXX, but they only solve customer cases of non-payment or non-delivery of goods. They don't handle fraud cases like my case. 

I asked my bank US Bank for help in recovering my money, but the people from this bank believed the seller who only sent selected texts of correspondence. 
Moreover, the seller does not have a certificate for this machine or even a manual for this machine. 

They claim that they have the certificate, but it is their secret, which is nonsense, because the certificate must be presented to the seller. I received over XXXX pages of description from XXXX, including safety information - this machine emits dangerous XXXX. I also received certification upon request. This XXXX company should not produce such machines, much less sell them abroad. Not only making false analyses, but there is absolutely no documentation of operation and warnings for recipients. 

I no longer have previous texts with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, I have a new account on XXXX. She should send all documentation of our conversations. Then you will see that they are lying to customers. They still offer their machines for mines, even though I proved to them that these machines are not suitable for testing powders and liquids. In the texts, XXXX XXXX initially writes that this machine is for testing metals, powders and liquids, but during the argument she admitted that their machine is only suitable for testing metals. But this is not true either, because as I wrote, their machine performs false tests of metals on electrodes.
Consumer complaint received 2023-12-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (GA)

This company is stating that i owe a debt to them. Which I DO NOT. I have filed a ftc and police report now I will move to filing for defamation of character. I will be filing a civil and law suit for the trouble both companies have caused.
Consumer complaint received 2023-09-05
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible XXXX XXXX XXXX XXXX XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2018-04-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I had a lease with XXXX  that started in XX/XX/XXXX for 40 months.

In XX/XX/XXXX, we have made a payment through XXXX XXXX XXXX, but apparently it had not gone through.

I am not sure if they have called to remind me of being late, but I always check my voicemails, and they never left me one.

Once I discovered that was late I made a payment right away.

When I realized that the account was reported to the Credit Bureaus as delinquent ( my lease had matured by then and I had told them that I would not be getting another XXXX  ), I called them and tried to straighten it out. They were extremely rude and unsupportive.

I filled a couple of claims with XXXX, but not successful.

I have never been late with XXXX or anybody else ever, my credit score has always been high and this negative inquiry is really affecting me now.

I also feel very disappointed when there is a " he says, she says '' kind of situation, that XXXX   would take the side of the large corporation rather then the consumer!!!

I really appreciate your help on this matter.
Consumer complaint received 2018-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT XXXX XXXX format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim. 
Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Consumer complaint received 2023-09-28
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. (NV)

After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. XXXX is reporting Utilization on multiple accounts. 
LATE PAYMENT ( XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX  XXXX 54 % XXXX, XXXX 21 % XXXX, XXXX XXXX 7 % XXXX, XXXX XXXX  XXXX 87 % XXXX, XXXX XXXX XXXX 17 % XXXXXXXX XXXX XXXX 92 % XXXX, XXXX XXXX XXXX XXXX 98 % XXXX, XXXX XXXX XXXX XXXX 79 % XXXX, XXXX XXXX XXXX XXXX 12 % XXXX, XXXX XXXX XXXX 84 % XXXX and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX violated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (OH)

I contacted FedLoan Servicing to request a temporary address change for a few months in XX/XX/2015. I had to go out of the country to check on my daughter who was living in the XXXX for medical school. I made the request in XX/XX/2015. Even though I made the request, I never received my student loan statement to my new address for the few months that I was living in the XXXX. I wasnt made aware that there was a bill due because fedloan did not do as they said that they would and update my temporary address. All dates that I would be gone we also notated. This is very unfair and unjust.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX Payment Status : Paid Balance : {$990.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX BALANCE IS INCORRECT
Consumer complaint received 2023-07-20
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX ....
Consumer complaint received 2024-03-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of XXXX XXXX. I researched on how to remove the fraudulent items in my report and found that I need to visit XXXX XXXX XXXX or XXXX XXXX XXXXXXXX to file a XXXX XXXX report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an XXXX XXXX report, and mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the inaccurate address and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX not later than XXXX XXXX days after the date of receipt.
Consumer complaint received 2023-08-04
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. (OH)

On XX/XX/2023 I mailed a certified letter to Equifax disputing 3 bankruptcies clearly explaining inaccurate information to all 3 accounts. I asked them delete those accounts immediately. They replied they investigated, which is not true since all of there information is completely different than other credit agencies. So On XX/XX/XXXX I followed up with certified dispute and again the continue to ignore my demands. 

I followed up with the bankruptcy Clerk of Courts asking if they report to credit agencies. I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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 2022-11-11
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. (VA)

On XX/XX/2022 I accidently made a huge over payment on my credit card ; I sent them my mortgage payment of {$2600.00} and sent my mortgage company a payment of {$300.00}. I called them immediately after noticing it, but it couldn't be instantly reversed. I spoke with XXXX XXXX ( my credit card company ) and the rep told me he saw my overpayment, but the only option was to send me a refund back in the form of a check. He said before he could issue it, he needed me to verify the payment. He asked me very specific questions like : the exact payment amount, the bank the payment was written on, the address and phone number of the bank, along with the acct # and routing # of the payment. That was on XX/XX/XXXX. On XX/XX/XXXX, I tried to use my card only to find out it had been frozen. I called and was informed it was frozen because of the {$2600.00} payment. They wanted even more information now such as a picture of my ID, a picture of a utility bill, and a copy of the bank statement showing the payment. I provided all of that to them. On XX/XX/XXXX after still not receiving my refund, I called again and had to it all over again. Then on XX/XX/XXXX, I got an alert from Experian saying that XXXX bank reported my account as being over the limit by {$2000.00}. You'll see in the statement I'm providing that they claimed they issued me two different refunds and charged my account for them, but they never issued me any. Both refunds they processed were put on hold by them because they were verifying my identity. I called them and informed them of what happened and the 4 different reps I spoke with all were very rude and treated me like I did something wrong. They still claimed I owed them that money. On XX/XX/XXXX, without them informing me of anything, my account had been " fixed ''. They credited my account for the two refunds they claimed they processed, but didnt fix my credit report and they still havent issued me my money back. This company is actively trying to steal an overpayment.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/, Paypal froze my account and requested information including my driver license, proof of bank account, and address. I provided these documents but they stated that they have closed my account without my consent. I have been using the paypal account in accordance with their terms of use and paypal has not provided details as to why my account was forcibly closed.
Consumer complaint received 2023-08-09
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. (IN)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, 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. (OH)

EQUIFAX CONTINUES TO WITHHOLD OR REPORT THE INCORRECT STATUS OF MY CREDIT FILE TO CREDITOR WHO I HAVE AUTHORIZED TO PULL MY CREDIT REPORT FOR CREDIT APPROVALS. EQUIFAX MIS-REPORTING AND OR FAILURE TO RELEASE MY CREDIT FILE TO CREDITORS WHO I HAVE AUTHORIZED HAS CAUSED GREAT INJURY AND SEVERE HARDSHIP UPON MY LIVLYHOOD. EQUIFAX CONTIUES TO DEPRIVE ME OF THE RIGHT TO BENEFIT FROM MY HARD WORK AND GOOD CREDIT STANDING IN VIOLATION OF THE FCRA.
Consumer complaint received 2018-12-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WA)

I recieved a notice about a collection account on my credit report. I looked over the information and it was inaccurate, as i have never used services from that company " XXXX ''. I issued a dispute with experian, they handled it quickly, but i was told my inaccurate collection account would remain. I reached out to the company around 3 weeks ago and asked for to dispute it with them as well. They told me they would send out some paperwork with a summary of all " charges '' and i have yet to receive it, upon calling them again im told they will send it out again. If this was my account to begin with, why would i never have heard about any kind of account until now, when its supposedly in collections? This process has gone on long enough, and my credit report still has the collection account on my report and it's not making it easy to rebuild my credit. This charge is not mine, i will not be paying for it because of a mix up on their end. Both companies have not been very helpful in getting this matter resolved.
Consumer complaint received 2023-05-17
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX