davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Synovus Bank (TX)

The complaint that I have is with fstprogress. Over the last 6 months I have requested validation on multiple occasions for a debt that is listed on my credit report. I have been asking for evidence that bears my signature that shows that I have contractual obligation to pay fstprogress. I have not received anything that I requested and it is still on my credit report from all three of the credit reporting agencies. All my letters where sent certified with signed receipt verifying they received the letters. 

can you Please help me
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

See attached documents detailing a reinsertion of previously deleted items which is a BLATANT violation of my consumer rights. This item was originally reported by XXXX XXXX  XXXX and was removed due to inaccurate reporting. This same item has now been reinserted onto my credit profile by XXXX XXXX  XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumer file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. This shows that a proper investigation was never done before this XXXX was added back onto my consumer report.
Consumer complaint received 2023-10-09
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. (AL)

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.

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 2023-10-09
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. (NY)

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.

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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # 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 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. 
I have tried to resolve this issue with EXPERIAN, XXXX and XXXX on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.
Consumer complaint received 2023-04-17
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. (CT)

In accordance with the Fair Credit Reporting act, Convergent 1 ) XXXX XXXX - Account # XXXX******** 2 ) XXXX XXXX XXXX - Account Number XXXX 3 ) XXXX XXXX  - Account Number-XXXX******** 4 ) XXXX XXXX - Account Number- XXXX 5 ) XXXX  XXXX XXXX Account Number- XXXX 6 ) XXXX XXXX XXXX  XXXX - Account Number- XXXX 7 ) XXXX-Card Service -Account Number- XXXX 8 ) XXXX XXXX - Account Number - XXXX 9 ) XXXX XXXX, XXXX - Account Number - XXXX 10 ) XXXX XXXX - Account Number - XXXX 11 ) XXXX  XXXX - Account Number - XXXX 12 XXXX XXXX XXXX Account Number XXXX 13 ) XXXX  XXXX - Account Number XXXX 14 ) 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.1861 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

While going through the process of a 8 year divorce, I had relinquished my home at XXXX XXXX XXXX XXXX, Ca to the mother of my children. Court documentation stated that she had full custody of my children ; additionally, I wasnt abreast of their activity, nor was I granted any visitations. I extended the business to continue the last contract up to XXXX upon which all funds received went directly to her to a bank account that I had know access to. I recently checked my credit and found that in XXXX, XXXX and XXXX several liens were placed on my credit unbeknownst to me. My address has been in XXXX XXXX for the past 6 years. The updated status of these liens have apparently been satisfied/released and this has caused more of a hardship upon me to function in todays economy. I have know knowledge what these were placed on my credit for, for I havent been in contact with her and I still have to go through her if I wish to speak to my now XXXX XXXX XXXX son. I feel that due to her knowing my personal information, that my name and information was used in of hers for whatever these liens are applied to. I need to see proof of my acknowledgement, signature, etc ... something showing that i was aware or responsible for any of this.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUELSON LAW FIRM, LLC (FL)

I am writing to file a formal complaint against Huelson Law Firm , LLC, a debt collection company that has failed to validate a debt they claim I owe and has not responded to my inquiry regarding a potential " paid to delete '' arrangement. Despite multiple attempts to contact them via certified mail, phone calls, and emails, I have not received any response or validation of the alleged debt. 

On XX/XX/2023, I sent a certified letter to Huelson Law Firm , LLC requesting validation of the debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). As of today, I have not received any response or proof of the alleged debt from the company. 

In the same certified letter, I also expressed my interest in discussing a " paid to delete '' arrangement to resolve the outstanding debt, if validated, and have it removed from my credit report upon payment. However, Huelson Law Firm , LLC has not provided any response or indication of their willingness to consider such an arrangement. 

Additionally, I have made several attempts to contact Huelson Law Firm , LLC via phone, but have been unable to speak with a representative. I have also sent an email to their customer service email address XXXX on XX/XX/2023, but have not received any reply. 

This lack of communication and failure to validate the debt is causing undue stress and negatively impacting my credit report. I request that the CFPB investigate this matter and take appropriate action against Huelson Law Firm , LLC for their non-compliance with the FDCPA. 

Please find attached copies of the following documents to support my complaint : 1. A copy of the certified letter sent to Huelson Law Firm , LLC requesting debt validation and expressing interest in a " paid to delete '' arrangement. 
2. Proof of delivery for the certified letter. 
3. A copy of the email sent to XXXX requesting debt validation and discussing a " paid to delete '' arrangement. 

Any additional documentation or correspondence related to the debt in question. 
I appreciate the CFPB 's assistance in resolving this issue and protecting my consumer rights. Please do not hesitate to contact me if you require any additional information or clarification
Consumer complaint received 2017-09-08
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. (CA)

Tried to see if I was affected by the Equifax hack, which is already outrageous that they 'd allow my data to be compromised in such a manner, and then their page says " come back later '' to see if I 'm hacked and I 'm under the impression that they signed me up for a service I did n't consent to. This needs to be handled NOW
Consumer complaint received 2017-09-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I 'm unable to open either a business and or personal account with XXXX XXXX XXXX and I 'm completely confused as to why. I 've had no record of abuse with XXXX XXXX XXXX and I 'm being treated unfairly and would love to be a XXXX XXXX XXXX Customer.
Consumer complaint received 2017-09-08
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. (CA)

Given the recent news about Equifax being compromised and my personal information potentially being exposed to identity theft along with financial information being stolen, I was directed to this website to check and see if I am one of the consumers affected. https : //www.equifaxsecurity2017.com The website has minimal information. It gives you an option called " Potential Impact '' to see if you 've been compromised. Once you click the option, it lists the following instructions : " To determine if your personal information may have been impacted by this incident, please follow the below steps : 1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XXXX XXXX  2017. '' Once you proceed, it only asks for your last name and last 6 digits of your social security number. Once I submitted this information, it only gave me a date to return and check again. It did not say whether or not my personal/financial information was compromised and it seems as though it automatically opted/enrolled me in their TrustedID Premier program. It DID NOT give me any options. This website, even though is an official site registered by Equifax specifically for this issue, looks very suspicious and not secure at all. It 's falsely advertising they will tell you if you 've been compromised, but it does not! It also enrolled me in something without my consent. I 'm now worried that I provided personal information for no reason on a website that can again be easily hacked or compromised from a company that has already been hacked and compromised. I 'm worried and anxious that I have in fact been compromised, but there 's no way for me to confirm before damage has been done.
Consumer complaint received 2017-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I missed the 3rd payment of a 3mth trial with XXXX XXXX through Fifth Third Bank. I found out that my ex-fiance has been talking to the bank without my written consent. I was unaware anything was wrong. He had been taking the money for the payments and buying drugs with the money.
Consumer complaint received 2017-09-08
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. (AL)

Equifax data breach where over 100 million Americans credit info was stolen. Also 3 Equifax managers sold their stock before announcing this information in a clearly illegal case of insider trading.
Consumer complaint received 2017-09-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AL)

I saw an Equifax customer breach online reported by the news. The company provided a website that said it would tell me if my information had been compromised or not. After multiple attempts to get a clear message on if mine or my husband 's personal information that Equifax is supposed to be protecting and providing to creditors, employers, etc., but got no clear message either positively or negatively. I was just giving dates on when I 'm supposed to sign up for some type of extra Equifax service. And told I would not be communicated about this again. Equifax is NOT handling consumer notification of stolen personal information even after having more than a month to prepare from time of finding out about the data breach and telling consumers who is affected. I still can not tell if my data or my husband 's data was stolen or not. How can Equifax get away with not giving a straight answer after having more than a month to research the breach to communicate to clients better? I would like for Equifax to have to proactively communicate immediately to people whose data has been compromised. I have screen shots of pages for myself and husband that do not say if our data was compromised, but just a date to come and sign up for some extra Equifax product. Please help.
Consumer complaint received 2017-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (MD)

Discovers Customer Protection Services used the personal data that I submitted per their request and in defense of my initial ID theft claim for the acct. ending in XXXX to open a replacement XXXX account ending in XXXX ; using my valid credentials. Discover transferred the fraudulent acct balance of approximately {$3900.00} to the XXXX " replacement '' account ending in XXXX. The information I submitted in the initial ID Theft claim totally contradicted information that they relied upon to approve the initial fraudulent acct. ending in XXXX. Discover is now attempting to conceal information relevant to the fraudulent account by directing the Credit Reporting Agencies to delete all information relevant to that fraudulent account ending XXXX  and to add the information from their " XXXX '' replacement account ending in XXXX. Discover never acted ethically while investigating the initial ID Theft/fraud claim and acted unscrupulously regarding my request for documents ; they never honored the document request submitted by XXXX Police Detective or myself. To this day, Discover has not produced any records of signed agreements, etc. pertaining to the fraudulent account. I insist that they produce documents. Particularly, given the history of class actions law suites filed against them for allegedly producing fraudulent credit card agreements in order to collect money from their cardholders in court.
Consumer complaint received 2015-05-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

There are XXXX items listed on my credit file which the date of last activity was back in 2007, is n't there a law they are only allowed to report for seven years this company is not following the law. I disputed several times with the credit agencies and the items are still listed
Consumer complaint received 2017-09-08
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. (MD)

I have contacted Equifax multiple times between XX/XX/XXXX through XX/XX/XXXX regarding account information not being update accurately and timely. Equifax ALWAYS say they did n't get any updates from my creditor, however my creditors XXXX XXXX and XXXX XXXX  verified that they have sent over updates. On XX/XX/XXXX all 3 credit bureaus were notified to update and delete a collection item from XXXX XXXX XXXX {$1200.00}. After many calls and disputes it took Equifax untilXX/XX/XXXX to remove the collection. There was an issues regarding me being an unauthorized used on a credit card that was reporting to my credit. The creditor XXXX XXXX with a balance of {$630.00} sent over a request to remove the account from my report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I even filed a dispute on XX/XX/XXXX regarding it and it took Equifax until XX/XX/XXXX to update the report. Now I am dealing with issues from Equifax on updating my XXXX XXXX XXXX account that was sent an update onXX/XX/XXXXfor {$370.00} and Equifax said they never got the request from my creditor, however I spoke with the creditor XXXX XXXX and they send the request to update on XX/XX/XXXX. XXXX XXXX Credit Card also sent over a request to update on XX/XX/XXXXfor my Credit Card with a new balance of {$140.00} and Equifax is stating they do n't have it. XXXX XXXX reported an additional update on XX/XX/XXXX from their last update XX/XX/XXXX due to their error, however Equifax is refusing to update stating 1. It would have to wait until my normal update of XX/XX/XXXX and 2. They did get the request from XXXX XXXX Also after having the original two items deleted from my credit report ( XXXX XXXX and XXXX XXXX XXXX Equifax decrease my credit score although my overall utilization balance decreased as did my total collection balances. Equifax is the only Credit bureau that does n't update my credit information in a timely manner. In addition they alway use the excuse they did n't get the information. I do n't have these issues with XXXX or XXXX. They get the same reported information from Creditors ( XXXX XXXX, XXXX XXXX, And previous creditor XXXX XXXX ) as does Equifax. Equifax is difficult and most often blames all their issues regarding updating credit reports on their system or the creditors. Equifax does n't update the accounts in a timely manner cause consumers like myself to suffer. After 2 full months my credit score has n't moved although I 've have many significant changes to my credit report.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian just sent me a new credit report and they took off a negative report that should have been removed in 2014. This I was thankful for as it has cost me thousands of dollars in punitive damage.
To my disbelief they added a new negative credit account for original creditor XXXX XXXX Hospital which is the ultimate inconsiderate incompetence. I have never been a patient at XXXX XXXX Hospital or utilized any services from XXXX XXXX Hospital or received any type of bill from XXXX XXXX Hospital.
I believe this may be a relative but if they had had the decency to check the birthdate they would see this is and never was my bill. How dare they be so careless with my credit history ... ..enough damage has already been done.
Consumer complaint received 2017-09-08
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: General Motors Financial Company, Inc. (NC)

XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiry XX/XX/XXXX did not authorize XXXX inquiries XX/XX/XXXX and XX/XX/XXXX did not authorize XXXX XXXX inquiries XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX did not authorize XXXX/XXXX inquiry XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX inquiry was not authorized XXXX XXXX XX/XX/XXXX did not authorize
Consumer complaint received 2015-11-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (ID)

I sent a letter of dispute to Experian on XXXX XXXX, 2015 and they sent me a response saying they received a suspicious request in the mail and it was not sent by me. It goes on to say they will no longer initiate any disputes based on the suspicious correspondence. I was the one that wrote and mailed the letter so there is no suspicious request. Experian is trying to get away with no longer having to respond to any dispute requests.