davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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. (SC)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX Balance XXXX {$80.00} ( Original Creditor : ) XXXXBalance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MO)

When will CFPB actually start protecting consumers from these unethical credit reporting agencies? 

Experian recently decreased my credit rating by XXXX  points. Today Experian again decreased my credit rating. Why doesn't Experian have to inform me of the reason for these changes? 

1. I have NO late payments, NO judgements, No bankruptcies.

2. I have NO new credit inquires.

3. I have ONE mortgage which has always been paid on time.

4. I use ONE credit card which has always paid off in full each month.

5. I have one back-up credit card which also always has a XXXX  balance.

6. My " debt to income '' ratio has actually decreased as my mortgage balance has decreased and my income has increased.

There are NO visible changes to my credit report but Experian continues to decrease my credit rating.

How am I, or any consumer, supposed to maintain a good credit rating when Experian makes changes with no apparent reason nor does Experian provide any explanation.

As consumers, we have no choice - files are open with the three credit rating agencies and we have very little control over these files. They sometimes have incorrect information which we, the consumers, are expected to correct while the credit reporting agencies are never held accountable for their mistakes. They seem more interested in marketing new " features '', scaring the consumer into buying unnecessary services. Tell me what the difference is between Experian 's " Credit Lock '' and the " Freeze '' that I already have on my account! 

We need strong laws regulating the credit reporting agencies and a better CFPB that will actually do something other than merely submitting our complaints to these agencies.
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (NY)

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 XXXXXXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT ED/XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}.
Consumer complaint received 2023-05-04
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. (VA)

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 Account Number XXXX, XXXX Account Number XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX Account Number XXXX, XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX  Account Number XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-05-04
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: Experian Information Solutions Inc. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Account Number XXXX Balance : {$440.00}
Consumer complaint received 2023-05-04
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-01
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. (IL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stuart-Lippman and Associates, Inc (TX)

I received a collection letter from Stuart-Lippman & Associations claiming they are attempting to collect a debt of {>= $1,000,000} from claimant " XXXX/XXXX/2016. '' The date of loss is " {$1800.00}. '' Despite these strange discrepancies, my name and address are correct. I called the XXXX number on the letterhead and after providing my reference number, I was sent to voicemail.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX Acct XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Reported Bal : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

On my credit report the following accounts have been proven to be incorrect my XXXX XXXX and XXXX please delete the following accounts. XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX and all accounts related to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX and XXXX XXXX and all accounts associated with XXXX and XXXX XXXX
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-01
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Mercedes Benz Financial Services (NJ)

Dear Consumer Financial Protection Bureau, I am writing to formally dispute an issue with Mercedes-Benz Financial Services regarding the refund of my Guaranteed Asset Protection ( GAP ) insurance and other purchased packages. Despite my efforts to resolve this matter directly with Mercedes-Benz Financial Services XXXX XXXX have yet to receive the refund I am owed. 

Account Information : Account Holder : XXXX XXXX Vehicle Identification Number ( VIN ) : XXXX Date of Vehicle Surrender : XX/XX/year> Issue Description : When my vehicle was surrendered, it included several packages that I had purchased, namely Wheel and Tire Protection Plus, Guaranteed Auto Protection ( GAP ), XXXX XXXX, and Extended Limited Warranty. None of these packages had expired at the time of repossession. 

According to the contracts, there are reimbursement policies for repossession, which entitle me to a refund for the unused portion of these packages. 

Despite multiple attempts to contact Mercedes-Benz Financial Services XXXX XXXX have not received the refund check for the XXXX insurance and the other packages. 

Attempts to Resolve : I have reached out to Mercedes-Benz Financial Services on multiple occasions via phone and email to request the status of my refund. Each time, I have been assured that the refund was being processed, but to date, no check has been received. 

This lack of action has left me with a balance from the repossession still reflected on my credit report, causing further financial harm. 

Request for Assistance : I am requesting the Consumer Financial Protection Bureau 's assistance to ensure that Mercedes-Benz Financial Services fulfills their obligation to issue the refund for the GAP insurance and other packages as stipulated in my contracts. The delay and lack of communication on their part are unacceptable and have caused me significant inconvenience. 

Please let me know if any additional information is needed to process this complaint. I appreciate your attention to this matter and look forward to a resolution soon.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-12
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  : accounts,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 the right to privacy / 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-22
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-16
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. (IL)

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 2016-07-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (CA)

I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.
Consumer complaint received 2023-05-04
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. (TX)

Experian is at it again by lowering my credit score XXXX points yesterday to sell there Experian Credit Services! This has been an ongoing issue and reported in the past! This issue has been reported in the past and the FTC needs to take action as it is Deceptive Advertising/Trade! 

As Experian is not a US based company, they do not adhere to US laws and they have been granted access to US individual financial information! Please see my complaint No. XXXX filed XX/XX/XXXX with the CFPB and complaint No. XXXX filed XX/XX/XXXX with the CFPB! 

I have attached a case precedence to establish that this practice is illegal and the FTC needs to put an end to it immediately!
Consumer complaint received 2017-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

i rep [ orted to both XXXX and bank of america and XXXX ic3 file called agent XXXX in XXXX kentucky and local police months on line been scammed i beleve from ex employee for {$80000.00} im getting no were im on SS cant pay and credit report cant borrow on house of bad credit report XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ky XXXX cellXXXX ... bank of america card #  XXXX XXXX XXXX # XXXX.
Consumer complaint received 2023-01-10
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. (TN)

I checked my Equifax credit report and discovered that fraud occurred on XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never authorized this bank to pull my credit report, I called Equifax and reported this fraud to the Fraud Department and the Representative told me that I need to call the police. and on XX/XX/XXXX XXXX Account Review XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX pulled my credit report without my authorization I never applied for anything with these companies please help I have tried to report this fraud with Equifax, and they're willing to help me.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer
Consumer complaint received 2023-03-01
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. (CA)

TransUnion refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

XXXX refuses to abide by the FCRA and remove unverified and unauthorized items from my credit file. This is a Defamation of my character and it is affecting my ability to purchase a home from my family. 

on XX/XX/2022 I sent a letter to both bureaus expressing the fraudulent and unauthorized accounts that are reporting illegally to my credit file, I also asked for them to send me proof of their investigations in which they have failed to do, and I asked for them to send me proof of them validating that the debt that they are claiming I owe, with documents bearing my signature, and they still have not yet done so.