davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (AL)

I sent a letter to the courthouse on XXXX XXXX asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy account number ( XXXX ) as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15. USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

According to : 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 According to : 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. 

I have attach the letter from the court house that I sent to them as well as their response as evidence.
Consumer complaint received 2017-05-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd. (MI)

My  XXXX   XXXX  was sent to  Harris & Harris   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , IL  XXXX . I have turned my  XXXX  services back on in my name with the  XXXX  that I owe on my bill. I have given them a total of  XXXX   XXXX / XXXX / 17  confirmation number for the  XXXX  payment is  XXXX  # confirmation no. For  XXXX  payment is  XXXX  # my balance is  XXXX . That will be worked into my bill monthly with my re acquiring bills. So I want to have this taken off my  XXXX . I 'm working it out between  XXXX  and  XXXX   XXXX   XXXX .
Consumer complaint received 2023-03-08
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. (NJ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to correct or repair the following items from my file immediately : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

According to FCRA 605B, we're obligated to eliminate any erroneous accounts from my credit report. Can you verify the paperwork? Some of the specified accounts are incorrect concerning their reporting.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted all three CRA 's letting them know they have violated me as a consumer by reporting inaccurate and incorrect information on my consumer report. Per Congress consumer reporting agencies are to insure their grave responsibilities with fairness, impartiality, and a respect for me the consumer 's right to privacy which has been violated. 15 USC. 1681a ( 2 ) ( A ) ( i ) states the term " consumer report '' does not include - any - report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC.1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-01-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2020 I sent a letter disputing incorrect and inaccurate items on my credit report. To this day over 60 days later I have not received a response, I feel like Im being taken advantage of and being ignored of my disputes. It has been over 60 days so they should be deleted immediately. My information was also impacted by the XXXX  data breach, my information could have been obtained illegally.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (AL)

I initiated a dispute with the company ProCollect , Inc on XX/XX/XXXX about the validity of debt and then about settling the debt and getting it removed off my credit reports on XX/XX/XXXX to no avail. I've tried to email and get ahold of a Mr. XXXX but I'm not having any luck. It is now XX/XX/XXXX and I'm still not getting anywhere with this company. I've mailed out a dispute letter 3 weeks ago to settle this debt and no response from this company. I want this account removed from my credit reports now! They agreed to remove the account after several disputes and complaints last year yet the account is still reporting. The account # is XXXX. I attempted to call a Ms. XXXX at the number XXXX ext. XXXX on XX/XX/XXXX but I didn't get a chance to speak to anyone. I called the customer service number and asked to be transferred with Ms. XXXX and the call was dropped. I want this account removed from all credit reporting agencies and I need something in writing stating they will remove the account. Thank you!
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I contacted all three CRA 's letting them know they have violated me as a consumer by reporting inaccurate and incorrect information on my consumer report. Per Congress consumer reporting agencies are to insure their grave responsibilities with fairness, impartiality, and a respect for me the consumer 's right to privacy which has been violated.

15 USC. 1681a ( 2 ) ( A ) ( i ) states the term " consumer report '' does not include - any - report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC.1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2021-01-19
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. (NV)

I have requested a copy of my credit report due to fact Experian has not opt me out of credit offers. I opt out by letter 2 times to XXXX XXXX XXXX XXXX Texas XXXX Experian does not mail me a complete copy with all the pages to my credit file with all the pages with everything.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

Navient consolidated school loans taken out in my name for my daughters college education. She became critically ill in the first semester of her XXXX year and recovered, but had to drop out of college. Navient attempted to collect XXXX XXXX dollars a month on her school loans! At the time of the consolidation the loan was {$29000.00}! In 2007. I had XXXX children at home, I was going through a divorce, and had to move out of my home and buy another during the height of the mortgage crisis. Each time I spoke to a representative, they sugested forbearance. And never ONCE offered an alternative solution. This has been a living XXXX working with these people, all of whom reside in the XXXX and are very difficult to understand. I had to claim bankruptcy and shortly after had to go out on XXXX for 10 months fora XXXX. ( Navient said they could n't do anything but forbearance ). Now my payments are up to {$440.00} per month and the balance is up to {$48000.00}!!!! 
Frustrated in XXXX XXXX
Consumer complaint received 2021-01-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased six one-way XXXX  ( flight XXXX XXXX tickets on XX/XX/XXXX through XXXX for a flight that was suppose to take place XX/XX/XXXX from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX layover in XXXX XXXX XXXX. Due to the circumstances of Covid-19 the flight was cancelled by XXXX on XX/XX/XXXX and a {$1800.00} XXXX {$310.00} x 6 ) credit was issued by XXXX. 
On XX/XX/XXXX I contacted XXXX with a refund request when looking through the XXXX website I realized this airline was no longer flying internationally and they had greatly reduced their domestic flights as well. The XXXX representative send out an email on my behalf to the merchant XXXX  for a refund request ( per the XXXX representative I was provided with an email reference number ) and after a month of not receiving any information either from XXXX nor XXXX I called XXXX back on XX/XX/XXXX. At that point the XXXX representative said they had not received any response/information to the email they had sent to XXXX and told me to wait. After waiting a couple of weeks I made the decision to contact my bank and the credit card I had used to purchase these tickets which was BANK OF AMERICA credit card to start a refund claim process. BANK OF AMERICA refunded 2 of the claims for a total of {$620.00} but has not refunded the remaining {$1200.00}. I can not afford to lose any portion if the {$1200.00}. And as of XX/XX/XXXX BANK OF AMERICA has done little to resolve my claims and when speaking to their " claim specialists '' they have pretty much said I am sorry out of luck! 
I hope you can understand my concern.
Consumer complaint received 2022-10-31
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. (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. 

XXXX XXXX XXXX XXXX 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 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 or 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 2021-01-19
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. (PA)

Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report.
Consumer complaint received 2021-01-18
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. (LA)

Tranusnion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2021-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2021-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Last Four XXXX {$1300.00} Walmart Acct. # XXXX Police Report # XXXX *Fraud Affidavit Attached* Dear CFPB, I am contacting you all, because I do not own the Walmart/Synchrony account that was taken over by XXXX XXXX. I have been having issues disputing this matter. I decided to contact XXXX XXXX directly and disputed the accounts on the XXXX of XX/XX/XXXX. I understand that COVID had delayed responses, but it should not take 90 days. The turnaround is usually around 30-45 days. When I called on XX/XX/XXXX. I was told that I was not going to be reached until XX/XX/XXXX. I was promised 30 days from XX/XX/XXXX. When I called on XX/XX/XXXX, I received a promise date of XX/XX/XXXX from representative XXXX XXXX It does not sound like a valid investigation turnaround. I received a follow-up letter with proof of ownership of the account. I was sent the final bill. On the Walmart/Synchrony account, the address is completely off. No wonder, I did not receive the document. 

I recall being contacted in XXXX. I denied the account then. When reached once the account was taken over, I denied the ownership of the account. I just updated the company with my number for a follow-up call in the last week or so. 

The document that I received from XXXX XXXX on XX/XX/XXXX was not viable proof of the debt owed. There are no detailed charges on the document sent. 

After speaking to Synchrony Bank and filing a claim on XX/XX/XXXX, I have been promised investigation results in 7-10 business days and was told that a representative may be giving me a call before the end of the investigation. The first rep I had spoken to is XXXX. I do not recall the 2nd rep. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-01-19
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. (OK)

At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

This account has been removed from my  XXXX  file and I 'm having the hardest time having it removed from my  XXXX  and  XXXX  file. There are  XXXX  accounts listed on my  XXXX  and which I believe they are duplicate account listed. I have sent in several letters via certified and I have n't received a response in this matter.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX Account ( s ) # 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 a account without my written instructions
Consumer complaint received 2022-10-31
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. (MA)

In accordance with the Fair Credit Reporting act XXXX Account ( s ) # 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 a account without my written instructions
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

I was a victim of identity theft on XX/XX/2022. 

Today I called the Fraud department of Fifth Third Bank and the customer service department and asked to have a security password placed on my account. They told me to visit a branch location. I advised them to look at my address, I reside in XXXX XXXX  area and there are no branches near me, so what is the process for those customers residing outside the bank footprint? They said there is nothing in place. 

I consider this an act of a privacy issue. I want to secure my credit card and they have no options for me thus to me, creating a privacy risk for those that have a 5/3 card but reside outside of a banking area. This is a compliance issue and a regulatory issue, especially when I advised them I was a victim of identity theft and needed additional security protections on my card. 

This shows a gap in their privacy, compliance and risk management policies and procedures. Customers like myself can not be protected is what they are telling me and that is not an acceptable answer. 

The CFPB should investigate this bank for the lack of risk measures to assist card holders outside their banking locations with a process to secure our credit cards. This shows a lack of judgment on their part and a total lack of not protecting my privacy to secure my credit card after an Identity Theft situation or any situation.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-03-06
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX