davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I am writing to file a formal complaint against XXXX XXXX XXXX regarding a matter related to the Fair Credit Reporting Act ( FCRA ). I am a federally protected consumer, and I am exercising my rights under 15 USC 6802 by opting out of any and all authorizations, be they written, unwritten, verbal, or non-verbal, that I may have provided to XXXX XXXX XXXX. 

Despite my efforts to address this matter directly with XXXX XXXX XXXX, I have not received a satisfactory resolution. I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are respected. 

Enclosed with this letter is my original correspondence to XXXX XXXX XXXX, dated XX/XX/2023, in which I formally requested the cessation of any authorization-related activities and compliance with 15 USC 6802 . I have yet to receive confirmation or any indication that my request has been processed. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I believe that a third-party intervention is necessary to resolve this issue. 

If additional information is required from me to facilitate this investigation, please do not hesitate to contact me at the provided contact information. I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX  # XXXX XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (FL)

We have had an ongoing issue with Mohela and the XXXX loan forgiveness. My wife and I had loans that were combined together under a spousal consolidation. My loan portion was forgiven, but we did not reveive forgiveness for my wife 's portion. After months of trying to get an answer from Mohela about my portion, we received a call on XX/XX/year> stating that they now understood the problem with the remaining loan balance. They gave me case # XXXX, said the account was now being tracked, we would be receiving a forbearance, and that the loans would be forgiven after we went through the process. One portion of the remaining balance was forgiven, but there is still a balance of XXXX. The forbearance has now expired and once again Mohela states that the loans are due to be paid this month. We are requesting to be put back on the forbearance and to have the remaining balance forgiven.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 from XXXX XXXX XXXX for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/23 in an account with Navy Federal Credit Union via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an XXXX readable signature was written beside my name. The phone number on file both on the check and in XXXX XXXX XXXX system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX XXXX XXXX XXXX XXXX a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within XXXX to XXXX business days from the date the report was filed on XX/XX/23. I then returned to the XXXX XXXX XXXX XXXX XXXX XXXX at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the XXXX. XXXX took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department XXXX XXXX XXXX XXXX. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of Navy Federal Credit Union at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. I have also filed a report of suspected mail theft/ fraud with the United States Postal Service Inspection Service XXXX From there I was advised to file with the CFPB as was done on XX/XX/23.
Consumer complaint received 2023-12-17
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. (CA)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I canceled the progressive insurance and by the date of payment according to the aforementioned account I already had other insurance. In other words, that account does not belong to me. Please stop continuing with these things that are not pleasant at all. I ask you to please delete that fake account XXXX XX/XX/2023
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I hope this letter finds you well. On XX/XX/XXXX, I contacted Experian regarding the presence of inaccurate information on my credit report. Despite my initial communication, I have not received a response from Experian to date. The details of the erroneous information, along with the required corrections, are outlined below : Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 


Account : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Request : Please remove this account from my credit report. 


Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Original Creditor : XXXX XXXX Request : Please remove this account from my credit report.
Consumer complaint received 2023-12-17
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 2024-06-16
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXXAccount : Account Number : XXXX Account Name : XXXX XXXX XXXX  Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NC)

On XX/XX/XXXX, I submitted a direct loan consolidation application and I selected Mohela to be my new loan servicer. Mohela is reporting a higher principal than what was consolidated on my credit reports. Mohela is reporting a principal of {$34000.00} and the principal should be {$29000.00}. On XX/XX/XXXX, I reached out to XXXX, this company was responsible for making the payments to XXXX to consolidate and the representative told me that the following payments were made during the consolidation process : Loan account # XXXX {$5100.00} Loan account # XXXX {$16000.00} Loan account # XXXX {$5900.00} Loan account # XXXX {$480.00} Loan account # XXXX {$1400.00} Total of {$29000.00}
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (NV)

I keep receiving phone calls from a third party company telling me to contact XXXX XXXX XXXX. when I called XXXX XXXX XXXX today they claim I owe a debt from 2001 to XXXX XXXX. I do not have any memory of any such debt from 2001 I have paid my debts. The last time I called asked them to mail any information to me, all I have received are more phone calls? nothing in writing.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

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. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX Account Name : ( Original Creditor XXXX XXXX ) : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2019-07-09
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. (CA)

On XX/XX/2019 my credit score was 679-690. I filled a dispute on XXXX  and equifax to verify that an old XXXX account was in fact closed. After I disputed requesting proof that and old XXXX account was closed or if it was still charge off I was notified within 2 days by XXXX that account was still in charge off. That information was posted to my credit report and caused my score to drop 40 points. The information posted was no different than whats been on my report for years. 

Ive worked hard, really really hard, for 5 years to build my credit score up. REALLY HARD. For my score to drop like this over an account dispute is despicable and wrong. I contact XXXX  and equifax both were not helpful. 

I explained that I Only was trying to verify information. And they said they couldnt do anything to fix my score. But that, that shouldnt have happened because no, new information was being reported. They said to wait a month and see if it resolves on its own and brings my score back up to where it was. Its been a month. Nothing has changed. Please fix.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On or around XX/XX/2024 my identity, card information, drivers license, email, phone numbers etc were compromised by an unknown suspected scammer. Making various sporadic charges likely someone overseas. The transactions in disputed currently are for 3 different ones. 1600.00, 134.32, & 62.24. For a company named pay bis which I have never used or even heard of before now. I filed a police report, identity theft report as well. ( Sent proof of this to the bank ) I filed a fraud report to my bank. They initially provided temp credit and then reversed it stating this company responded back to them showing my information. They would have it because XXXX XXXX is a free forwarding number connected with my email which was compromised. Sensitive data like my id picture, and card info was uploaded to my gallery unknowingly. I do not know if this is where and how they were able to gain access to my information, but I do know that they had access to my password. With it, you can access and login to my phone number from anywhere. XXXXXXXX XXXX acts as a secondary forwarding number. Fifth Third is siding with the company because the scammer who stole my identity provided those details to them. Please assist me in recovering these funds. They drafted the funds without ANY warning.
Consumer complaint received 2023-12-17
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. (TX)

XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on Experian ), ( but identified differently on XXXX as account # : XXXX and differently on XXXX as account # : XXXX ) and also account number : XXXX ( as identified on Experian ) ( but identified differently on XXXX as account # XXXX and differently on XXXX as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.