davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc. (TX)

Subject : Urgent Complaint Regarding Unjustified Credit Score Drop and Poor Customer Service Dear Financial Protection Bureau, I am writing to file a complaint regarding a significant issue I encountered with Experian, one of the major credit reporting agencies. Upon logging into my Experian account online, I discovered a sudden and unexplained drop of XXXX points in my credit score. 

Upon further investigation, Experian claims that my XXXX XXXX account with a balance of {$520.00} is negatively impacting my credit score. However, this information is inaccurate. The reported balance and alleged negative impact do not align with the reality of my XXXX XXXX account, which is clean and in good standing. 

Despite my attempts to resolve this matter, I faced insurmountable challenges in dealing with Experian 's customer service. The first representative I spoke to was unhelpful and, to my disbelief, abruptly hung up on me. Subsequent attempts to address the issue were equally frustrating, with the second representative refusing to connect me with a supervisor. 

Moreover, I am troubled by the fact that every time I call Experian, my calls are directed to representatives in XXXX. This practice raises concerns about the security and confidentiality of my personal information, as I am required to provide sensitive details to individuals located outside of the country. 

I find it disconcerting that requesting to speak with a representative based in the United States is denied, and this restriction adds an additional layer of discomfort in resolving credit-related issues. 

I urge the Financial Protection Bureau to investigate this matter promptly, as the inaccuracies in my credit report and the unhelpful customer service practices at Experian are not only damaging but also reflect a breach of trust and adherence to regulatory standards. 

I appreciate your prompt attention to this matter and trust that appropriate actions will be taken to rectify the situation.
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act 15 USC 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 right to privacy. '' Experian is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the 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 nonpublic personal information. '' ( XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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 XXXX XXXX ) the financial institution and the Consumer reporting agency Experian does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, ( XXXX XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit, Inc (FL)

I have request an investigation of VW CREDIT INC on my credit report. The charge-off of an obligation with VW CREDIT INC is incorrect the following is the identifying information of the error { Account number : XXXX, Date of incorrect reporting XX/XX/2020 }. The creditor misreported my account. 15 U.S Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading or meaning in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is violation of this section. 

If, after any reinvestigation under paragraph ( 1 ) of information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that information from the consumer, or modify that item of information as appropriate, based on results of the reinvestigate, and
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gordon, Aylworth & Tami, P.C. (ID)

That : XXXX XXXX XXXX XXXX Gordon, Aylworth and XXXX XXXX, along with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX idaho conspired together in : Case No. XXXX ( Bank Levy XXXX to : Violate consumers financial laws and to engage in the unfair, deceptive and abusive acts and practices and Violate the fair debt collection and practices act ... That on XX/XX/XXXX XXXX XXXX XXXX XXXX a bank levy on my XXXXXXXX XXXX XXXXccount for {$980.00} ... l was never notified by : XXXX XXXX our XXXX XXXX XXXX XXXX this occurred ... That on : XX/XX/XXXX, there was another bank levy put on my XXXX XXXX  account by : Gordon XXXX Aylworth and XXXX for : {$1000.00} ... this is the same Case number as above... I was not notified by anyone this happened ... That XXXX XXXX did not take the actual court order stating the original {$980.00} ... That XXXX XXXX  took the cover sheet of the collection agency for : {$1000.00} ... That I filed a complaint against the collection agency and XXXX XXXX XXXX XXXX with the XXXX Case No. XXXX ... That a hearing was conducted before the : XXXX XXXXXXXX XXXX XXXX XXXX XXXX on : XX/XX/XXXX there has been no decision yet ... That I filed a complaint against the collection agency with the Department of Finance XXXX I was never notified about any bank levy until : XX/XX/XXXX and XXXXXXXX XXXX  took {$100.00} for processing fees associated with this bank levy... XXXXXXXX XXXX also added other penalties and fees associated to this bank levy...
Consumer complaint received 2023-08-08
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. (FL)

I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 
Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), XXXX ( a ) ( 6 Account Number XXXX XXXX {$3200.00} POSTED ON XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc. (GA)

I am contacting you regarding the letter received from Unifin XXXX XXXX XXXX XXXX XXXXXXXX XXXX dated XX/XX/XXXX in the alleged amount owed of {$25000.00}. I was given a timeframe of XX/XX/XXXX to reply and hereby am sending my reply via CFPB because this debt was deleted and discharged due to identity theft in XXXX. This was a part of my identity theft case and the XXXX Police report and Federal Trade Commission Affidavit has been attached for the view and records. The account shows reference # XXXX and original account ending in XXXX Current creditor XXXX XXXX XXXX and original creditor XXXX XXXX XXXX XXXX XXXX 

I have no known knowledge of this account and again I was a victim of Identity theft. I am requesting that they adhere to the laws regarding debts and identity theft and cease all communication and collections. Also this debt has reached it's statue of limitations for the state of GA. 

Thanks
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.
Consumer complaint received 2023-08-01
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)

Trans Union is reporting an authorized/fraudulent transaction. Pursuant to 15 USC 1681 a ( d ) ( 1 ) -the consumer needs to provide written permission or verbal consent to furnish this alleged debt, which you have neither A detailed investigation is being requested pursuant to the FCRA. The consumer is requesting the original contract and the detailed method for the investigation such as who completed the investigation to validate the alleged debt and when the investigation was completed.
Consumer complaint received 2024-02-24
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: JPMORGAN CHASE & CO. (NJ)

I have XXXX unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.
Consumer complaint received 2024-04-03
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. (MA)

I noticed unauthorized and unverified inquires on my Credit Report without my consent. 
Remove : XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XXXX  XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act 15 USC 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 right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the 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 nonpublic personal information. '' ( US DEPT OF EDUCATION XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. '' ( US DEPT OF EDUCATION XXXX ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( US DEPT OF EDUCATION XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( US DEPT OF EDUCATION XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I heard about the Wells Fargo lawsuit and we had bought our house in 2010 and had wells Fargo as the Mortgage Company. After roughly 3 years my father passed suddenly and I remember contacting Wells Fargo for assistance on the Mortgage and ways i can potentially lower my payments. After an extensive period of them asking for all my financial details and bills and me continuously sending over information and proof they insisted that the only thing i can apply for is the hardship assistance and i continued for 3 months sending information and then then told me that i didn't qualify because i never missed a payment and that i would have to have missed payments or make partial payments to even qualify. This was very rude and crazy to hear when the company was the one that said i qualify for the assistance and hearing this after 3 months after all the back and forth was so brutal. I tried and then slowly gave up and started trying to find a second job to make ends meet. Shortly after i received a packet of papers at home with rush delivery and stayed that i had only 2 days to sign and return papers that stated i can make half payments for 3 months on my mortgage and included 3 mortgage payment stubs for the next 3 months. I found this very strange since no one even mentioned a package being sent or what this was for and what it meant term wise to sign. I called my realtor and discussed and contacted the mortgage broker i had during my deal and finally realized this was fishy and not something i wanted to attempt even signing since it looked as they were purposefully trying to make me make partial payments and show that way that i can afterwards qualify yet didn't know how that would affect my credit score or other financial condition. I didn't sign and found another way to work things out and later refinanced with a different company but now that I hear about the lawsuit I'm starting to think of there was more errors and other scams or issues that my mortgage might have been enclosed being with XXXX during that time frame. XXXX XXXX
Consumer complaint received 2023-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

After carefully analyzing my credit report, I noticed several inaccuracies as it relates to negative accounts, employment history, and addresses where I have never lived. I am requesting that the following inaccurate information be removed from my credit report as this is affecting my score and ability to obtain new credit with different creditors. In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and U.S. Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies shown in my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure. I have included documentation to verify my correct information. I thank you in advance for your prompt cooperation. Thank you.
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I CONTACTED THE THE CREDITORS AND DEBT COLLECTORS AND THEY HAVE FAILED TO RESPOND! I ALSO SENT THE NOTICES TO THE CONSUMER REPORTING AGENCIES XX/XX/XXXX to which they received on XX/XX/XXXX TO WHICH THEY HAVE FAILED TO TAKE ACTION IN A FAIR AND EQUITABLE WAY! I followed up with a demand to comply on XX/XX/XXXX that was received on XX/XX/XXXX! THEY ARE FAILING TO RESPOND AND CAUSING SO MUCH HARM TO MY REPUTATION! THESE NEGATIVE MARKS AND DEROGATORY ACCOUNTS NEED TO BE REMOVED IMMEDIATELY! IF SOMETHING IS NOT DONE WITHIN THE NEXT 10 DAYS I WILL BE FILING LAWSUIT AGAINST THE CRAS ALONG WITH THE CREDITORS AND DEBT COLLECTORS FOR DEFAMING MY CHARACTER!
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (NV)

Creditors put accounts into collections of accounts I dont have knowledge of, they wont respond back to me or dispute accounts off my credit I want these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX