davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Due to the XXXX hack I decided to freeze my credit for protection. On XXXX/XXXX/XXXX I logged on to both TransUnion and XXXX ' sites to perform the freeze only to find out that I will be charged {$10.00} by each company for the freeze? 

Why do I have to pay to have a switch flipped in a database? As a consumer who can not consent to these companies holding my data ( and insecurely ) Why do I have to further pay them? It also seems that I have to pay them to unfreeze my credit. This just seems very anti consumer.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recover, LLC (FL)

Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. I do not nor have I ever had any contact with this collection agency. Nor have I gotten any for of communication from them in regards to reporting negative information on my credit report to XXXX XXXX. This information that has been reported is in violation of the Fair Credit Reporting Act laws. At this point no communication is warranted the damage has been done. I would like for them to validate any contracts they have along with payments and amounts due pertaining to the alleged debt. If validation can not be proved I demand the negative reporting be removed from XXXX XXXX immediately. If validation is found I have the right to have all findings mailed to me with 15 days of the findings and demand 30 days to respond.
Consumer complaint received 2017-09-13
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: EQUIFAX, INC. (MO)

I am writing to express my outrage not just at the recent security breach at Equifax, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input? 

Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers. 

The situation ( at Equifax at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report. 

However, I have no doubt that the charges will return very quickly ( XXXX and XXXX  have not offered a free freeze at all, and XXXX doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXX-year-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (CA)

Since I opened my account with synchrony bank last XXXX They had a clarical error on my last name and I was n't receiving any bill that was n't certified mail Since XXXX iv been asking them to change my last name so the post office would deliver my bill so I could rightfully pay the payments They have refused to I finally talked to someone today on XXXX Who would look in too it but at this point I 'm so frustrated that they could n't take care of it months ahead when I initially asked
Consumer complaint received 2017-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

Hello CFPB, I 'm reaching out in hopes that you can help me resolve my current predicament with my student loan lender. 

I recently submitted an application ( attached to this complaint ) to have my co-signer released from my private student loans and, due to my debt to income ratio, it was subsequently rejected. After I received the rejection, I contact Navient to discuss the rejection reason because I believed it was incorrect or, at the very least, not a comprehensive review of my income. 

Although Navient confirmed I can submit a dispute to have my cosigner release application re-reviewed, they specified that their " procedures requires another credit check to be performed '' on the this disputer which, in my specific scenario, is illogical because I 'm not disputing my credit history, I 'm only disputing the income I disclosed on the application. Additionally, this issue arose from the way in which the application was written - the question of " Gross Annual Salary '' does not clarify whether it was Gross Annual Individual Salary or Gross Annual Household Income ( mine and my wife 's income combined ). 

When I spoke to the Navient Customer Service Rep, they specified that I could have either combined mine and my wife 's income under the " Gross Annual Salary '' section or included her income under the " Additional Income '' section. However, to me, this was not readily apparent when I completed the application because, from everything in the document, the questions appear geared towards the " individual '' rather than the " collective '' ( me and my wife rather than solely me ). 

My hope, by lodging this complaint, is to have my dispute handled without an additional hard credit check, especially since it 's been less than 48 hours since the initial check was performed.
For your reference, below is a timeline of the events : 1 ) Monday, XXXX XXXX, XXXX - I upload my application via Navient 's website 2 ) Monday, XXXX XXXX, XXXX - Navient performs a hard credit check 3 ) Tuesday, XXXX XXXX, XXXX - Navient emails me rejection notificaiton 4 ) Wednesday, XXXX XXXX, XXXX - I contact Navient to obtain information about filing a dispute, I 'm notified ALL disputes require a credit check. I request whether there 's an exception that can be made for me, since I do n't dispute the credit report and only want my application to be re-reviewed with my household income rather than my individual income. 

Should you require any additional information, please feel free to contact me and I would be more than happy to discuss.
Consumer complaint received 2017-09-13
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)

After chasing down information myself, I discovered through the Equifax website that they might have compromised my personal information in their recent hack. They have yet to give me a definite answer as to whether or not my information was compromised, nor have they provided an avenue toward a resolution. The information in question was not voluntarily given to this company by signing up for their services, but rather collected by Equifax as a facet of their business model. Not protecting this data properly is an enormous violation of the privacy of me and others in my situation who did not choose to explicitly trust this company with our private data.
Consumer complaint received 2018-05-08
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: R.M. Galicia, Inc. (CA)

I have lodged disputes with XXXX XXXX and XXXX XXXX with the belief they have reported negative items to my credit report which are not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (GA)

On XXXX/XXXX/XXXX, I attempted multiple times to obtain an Experian credit report thru XXXX. Each time the Experian website timed out. 

I then attempted to use the " Add a Security Freeze '' option on Experian 's website ( v ), but that also timed out/did not load. 

I also attempted to do both using different browsers ( XXXX and XXXX ).
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

Equifax, nor the other 2, offer any opportunity to lock or freeze minor children 's SSNs. Even Equifax will not do anything to protect minors even due to their hack. How do I protect my minor children 's SSNs which have been part of the Equifax leak?
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX*****THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1.  XXXX XXXX XX/XX/XXXX2.XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX5. XXXX XXXX XXXX  XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10XXXX XXXX XX/XX/XXXX 11.  XXXXXX/XX/XXXX 12. XXXXXX/XX/XXXX 13.XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

******THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX   XXXX/XXXX/XXXX 2.XXXXXX/XX/XXXX3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX 12. XX/XX/XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.
Consumer complaint received 2017-09-13
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. (WA)

Due to the security breach at Equifax and the amount of accounts that they have admitted have been compromised, it is mathematically guaranteed that my credit report history has been stolen. I feel that Equifax did not properly secure important information pertaining to my financial well being and also did not attempt to contact me about the security breach despite obviously having all of my information. In an attempt to secure myself against identity theft which I am currently assuming will happen, I have requested my credit reports from each credit reporting company before placing a freeze on my credit. I have not been successful in getting any report from either of the three companies ( Equifax, XXXX  and XXXX ). None of these companies have taken steps to further secure my financial security but rather have tried to ply me with further services that cost an additional amount including trying to charge me to place a credit freeze on my account without a police report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TN)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2018-05-08
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. (MA)

I disputed two accounts that don't belong to me with Equifax, XXXX XXXX XXXX XXXX XXXX, I received the results and they never looked into the disputes.
Consumer complaint received 2017-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

1. ) In XX/XX/XXXX in violation of fair credit billing laws USAA reversed the decision on a billing dispute made in my favor from XX/XX/XXXX-XX/XX/XXXX a  year prior. 2. ) At that time I requested all documentation obtained during their investigation, and documentation used in making their decision. I have yet to receive any documentation for my USAA XXXX XXXX which had the largest discrepancies and errors. 3. ) I received billing statements for my two USAA XXXX Cards, none of these statements had any of the requested documentation relating to USAA 's investigation and decision to take adverse actions. 4. ) I still have not received a billing statements for my USAA XXXX XXXX and since USAA restricted my online access back in XX/XX/XXXX I  have had no way of knowing what they are actually doing. I say this because USAA has failed to maintain open lines of communication or provide the requested documentation as required by law. 5. ) The timeline provided by regulation Z to finalize all billing disputes has already expired, as well as the timeline allowed for USAA to provide the requested documentation.
6. ) USAA might say they made several attempts to send me the documents. However in a discussion with XXXX from the collections department as of XX/XX/XXXX all my documents and communication with USAA was still set to be delivered online on USAA.com. Meaning, I was unable to access them due to USAA restricted my onilne account access in XX/XX/XXXX. Furthermore, I made repeated requests verbally and in writing for these documents and was assured by more than 10 agents I would receive them. To this day for the USAA XXXX XXXX I have not received any documents. And I have not received any requested documents for any of my affected accounts related to USAA 's investigation or offering a detailed explanation of their decision to take many adverse actions.
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

On XX/XX/XXXX18 I was contacted by XXXX Fraud management and they indicated that there was some transactions that they wanted to verify. I informed them at that time that my wallet had been stolen and that the transactions in question were not mine. They shut down my card and issued a new one and filed the fraud claim. Over the coming days a lady by the name of XXXX called me and asked me some questions about the merchants and the transactions at which i advised here they were not processed by me. After approximately two weeks passed and she called to inform me that my claim was being denied because i had transacted with one of the merchants last year. I advised here that this isn't a valid reason to deny a fraud claim. I had already filled a police report which was provided to her. I asked to speak to a supervisor which took four day for a call back. Now its been two more weeks and I've requested in writing the reason for the denial and no information can be provided to me justifying the reason for the denial. In addition she reported my accounts for closure.
Consumer complaint received 2017-08-13
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: Palm Beach Credit Adjustors, Inc (FL)

I want everyone to know about the unfair practices of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. I noticed three months ago when i started monitoring my credit that there is a collection from a pain clinic that I have never been to before. I never received a bill before the debt went to collections in the first place. The debt also reads closed so im still not sure why they are still reporting in the first place on this fraudulent collection. When I disputed this collection on my credit report the company retaliated against me and the first time in four years the collection went up by {$2.00}. Coincidence? No its not its smells retaliation from a company who reports false information tarnishing the public 's credit.
Consumer complaint received 2018-05-08
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. (MS)

FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.
Consumer complaint received 2018-05-08
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. (MS)

FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount.