davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I am writing you to inform you that under the F.C.R.A Law XXXX XXXX XXXX failed to notify me at least 5 business days before they reported negative items on my credit report for the month of XX/XX/2019. By law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. XXXX XXXX XXXX failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit report. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and this negative items must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the month they reported this negative item. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balance from this specific month and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am disputing the collection account XXXX and account number XXXX which they show as being opened XXXX/XXXX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXXin the FCRA Compliance Date. Please delete this account immediately. 

This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax had a large scale security breach and they informed me that I was infected. They provided one year of credit monitoring and identity theft protection as recourse but this is something that is going to possibly affect me for the rest of my life.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MI)

on XX/XX/XXXX I was alerted via text message from Synchrony Bank asking me to verify purchases on a XXXXSynchrony Bank credit card. Three purchases were attempted for {$20.00} on XX/XX/XXXX, {$4100.00} on XX/XX/XXXX, and another attempt for {$4100.00} on XX/XX/XXXX. The charges were attempted through the XXXX XXXX XXXX XXXXnd the store number was XXXX. 

On XX/XX/XXXX I replied to the test alert to confirm that these were not valid charges and then later in the morning I received a call from Synchrony Bank to initiate a fraud investigation. 

On XX/XX/XXXX I received a notice of address change from my XXXX account and upon investigation learned that someone attempted to add an address to my credit file or had applied for an account with the address of XXXX XXXX XXXX, XXXX Michigan, XXXX. I contacted all three credit agencies and place a credit freeze on my information and started a fraud claim with XXXX regarding the address.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

n 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. 


Experian, 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 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 informatyytion, 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 2017-09-12
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. ()

I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since XXXX ). As advised by many experts, on Sunday XXXX XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Around the beginning of XX/XX/XXXXEquifax reported ( a month after the fact ) that user information and data was stolen. This is unfathomable and puts all of us at risk for Identity Theft.
Consumer complaint received 2017-09-11
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. (IN)

Equifax mishandled my information which puts me and millions of other people at risk. According to their XXXX, I am listed as a potential victim. They also did not notify everyone quickly enough about the breach and admitted that they will not notify everyone.
Consumer complaint received 2021-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I saw an offer in the client online portal for American Express for the XXXX XXXX card with a promotional offer of 0 % APR for 15 months. I have two cards with American Express already and have never made a late payment nor closed any cards. I was immediately approved for the new card with a {$15000.00} credit line. A few weeks later I saw interest charges on my account and called customer service. They informed me that the 0 % APR offer was revoked. 

I had not been given notification from a pop-up nor email or secure message that I was ineligible for this offer. I read the TOS and did not find anything regarding ineligibility. Customer service was rude to me and refused to help. As a consumer, this feels to me like a bait and switch. 

As it stands, there is currently a promotional offer for the XXXX XXXX XXXX card at 0 % APR for 15 months in the client portal, so even now, there is a highly misleading offer being falsely advertised to consumers.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

On XXXX/XXXX/XXXX Equifax announced a massive data breach that has compromised personal data of XXXX43 million U.S. consumers. A website provided by Equifax allows consumers to enter their last name and the last six digits of their SSN to determine if their personal identifiable information was compromised. An inquiry on their website indicated that my personal information, as well as that of XXXX other family members, had been compromised. Equifax is offering " free '' credit monitoring/identity protection for one year. ( Does anyone else see the irony in this? ) Experts recommend placing a credit freeze with the three major credit bureaus as a best practice to help prevent unauthorized use of a person 's identity. As a resident of Oklahoma, law allows the credit reporting agencies to charge me {$10.00} ( +tax ) to initially place a credit freeze, to temporarily lift the freeze, and to permanently remove the freeze. I have attempted to reach Equifax by phone to discuss this matter to no avail. After a lengthy hold, the call was disconnected. A second call was placed and answered by a foreign call center staffed with representatives whom do not speak XXXX as a primary language. Upon asking to be transferred to an XXXX  agent I was placed on hold in excess of 30 minutes and I terminated the call. I then sent an email to XXXX XXXX, president of XXXX XXXX XXXX for Equifax. I have not received any correspondence from Equifax.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-09-12
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. (NY)

XXXX is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XX/XX/2012 however the status has not been updated to 'permanent ' after three years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.
Consumer complaint received 2017-09-11
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. (IA)

From XXXX through XXXX, XXXX of the nation 's largest credit reporting bureau, Equifax, made my personal information available to hackers. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about XXXX people and dispute documents with personal identifying information for about XXXX people
Consumer complaint received 2017-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (PA)

XXXX XXXX, XXXX I went to the Chase site to initiate a process to get a credit card and balance transfer from another credit card, as this was an interest free offer. At that time it asked for the amount of the transfer. I guessed and put XXXX. Since I did not know the actual amount, I decided to get the information before starting the process. I hung up and called into Chase. At that time, I told the representative the amount was {$2000.00}. I was approved and received the card at which time I called and verified the XXXX balance transfer. The next morning I woke up to a text on my phone saying there may be fraudulent charges, one for {$1600.00} and one for {$2100.00} ( 5 % balance transfer fee ) I explained I did not initiate the XXXX as that was before I got the card. I was advised neither could be cancelled and that I would have to wait for both to post and at that time call XXXX XXXXXXXX XXXX and request the credit be sent to me in order to pay on my new XXXX account. I explained I never initiated the XXXX, as that was included in the XXXX. I was charged the 5 % two times ; once in the XXXX and once on the XXXX. I requested a credit. I was told no. This is bad business practices. I was not given the information when I spoke to the representative that there was indeed a transfer request already pending. The supervisor told me it is in two separate systems so they could not have known. I think to be made whole, the {$100.00} transfer fee should be credited back to me or the {$80.00}. I should not have to pay twice for a mistake Chase made, not me.
Consumer complaint received 2017-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (GA)

It has been years since I have been even a day late on my student loan payments but when I was informed that my husband was entering a training program that would significantly reduce our household income, I called Navient to see if I could receive a one month delay on my payments. I was told that they could not do that ; they may be able to lower my payments if I was interested in entering some kind of program but skipping a payment was not possible. I explained that a lower payment would n't help me because I just could n't afford it. They asserted that there was nothing that they could do. It has been less than 30 days since I missed my payment and I am receiving over 20 phone calls per day across 3 phone numbers ; two of which I have repeatedly asked them not to call. I am receiving calls before XXXX and after XXXX which is beyond harassing. During my last call with a representative this morning, I was told that not only would the calls not stop but they are going to continue to call the numbers that I asked them not to because they do n't think it is against the law. She then threatened that she was just going to call my cosigner next to tell her of the delinquency as if that was supposed to instill some kind of fear in me. I 'm going to continue my payments as planned on XXXX but since I was unable to make the payment in XXXX, I will remain ~28 days past due each month because I ca n't make " extra '' payments to make up for the ONE I missed. My concern is that these harassing phone calls will never end. There has to be a limit to how often they can call people. This is no way to treat consumers.
Consumer complaint received 2019-05-11
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. (DC)

On XX/XX/XXXX and XXXX, 2019, I repeatedly received an error message from EXPERIAN when requesting a copy of my credit report. I was able to log in to the account and lift the security freeze temporarily, but I need to see the report to check for inaccurate information.
Consumer complaint received 2017-09-11
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. (CA)

TransUnion and XXXX are still charging money for credit freezes and thaws. After the XXXX break, the XXXX breach, and the XXXX breach, this is unconscionable. 

CFPB should pressure all of the credit reporting agencies to offer freeze/thaw protection gratis.
Consumer complaint received 2019-10-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In the beginning of XXXX of this year, I noticed that my credit scores plummeted after I requested an old account be removed from my XXXX credit report. Instead of following the requests of my dispute, the credit bureau took it upon themselves to file a false dispute. In which they claimed that I filed a dispute requesting that they update my old car payments because they were reported incorrectly. This is false information. I initially filed a dispute with XXXX, simply insisting the account was too old to be on my credit report, requesting that it be removed, because it was still showing it as being opened, which its been closed since XXXX. The company XXXX XXXX XXXX has been on my report since XX/XX/XXXX ( almost 10 years ), and according to law, consumers can request items be removed from their report that are over 7 years old. Instead of following my dispute, they requested all old late payments from XXXX XXXX XXXX be updated on my credit report, which is what caused my scores to drop on all three of my credit reports, also causing the lifespan of the account to start over. I went into a branch to verify why XXXX reported these old payments, and was told that Equifax requested this information after receiving a dispute from me. The representative I spoke with also informed me that this starts the reporting process over.
Consumer complaint received 2017-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

My checking account was used against my permission to transfer money to another account. When I discovered the transaction I was traveling on the XXXX XXXX of the US where there are no branches and am scheduled to leave for XXXX on a trip for over 3 weeks in 2 days. I was told that in order to remedy the situation, that both accounts needed to be closed, and that I would need to establish a new account. 
AT THAT TIME I WAS VERY EXPLICIT IN MY QUESTIONING OF THE REPRESENTATIVE TO THE EFFECT THAT I MUST MAINTAIN ACCESS TO MY MONEY VIA DEBIT/CHECK CARD OR OTHERWISE BE PROVIDED A REPLACEMENT PRIOR TO MY DEPARTURE IN 2 DAYS. I MUST HAVE REITERATED THIS POINT 5 TIMES. 

I was assured that this would be taken care of. I was assured that my new account would be opened overnight and the next day that my old debit card would be assigned to the new account where it would be able to access all of the funds. 

In the interim I WAS REPEATEDLY ASSURED THAT WHEN I NEEDED MONEY LATER IN THE DAY THAT I COULD CALL THE FRAUD DEPARTMENT AT XXXX XXXX XXXX XXXX AND A REPRESENTATIVE WOULD AUTHORIZE A 1 TIME ATM WITHDRAWAL WITH A CURRENT CARD IN MY POSSESSION. I MUST HAVE HAD THEM REPEAT THIS BACK TO ME AT LEAST 3 TIMES. 

Tonight, I went out for dinner for business purposes. I offered to pay the tab. My guests had to catch a flight and i offered to pick up the tab. After they had left it dawned on me that my cards were invalid, and I have no cash on me. The manager would n't accept my drivers license or watch as collateral so I called TD Bank. They told me I was out of luck. I asked to be transferred to the fraud line. They informed me that my account was restricted in a manner that could not be remedied. They also asked why I would think that such a scenario could exist to remedy the situation. BECAUSE YOU XXXX TOLD ME SO. 

So as i stood in the Bank auditorium, speaking very calmly with the representative, and their impotent manager, it dawned on me that they completely misrepresented my ability to access my own funds to me, simply to protect and limit their own liability. I would have accepted full liability for further breaches just to keep access to the money i need to pay the bills that I incurred and travel this week. I told the fraud department exactly that. Seemingly they do not care. 

I 'm not sure why I 'm complaining about this via the CFPB. I am so embarassed by being handcuffed, not to mention furious for being held handcuffed and held outside of the restaurant like a piece of trash because my bank is paranoid that my password is n't secure that you can absolutely guarantee that i 'm going to file every single complaint available to me and every single lawsuit in every single jurisdiction I can find a court to subject you to. 

See you in XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Equifax was negligent and did not securely hold my information. My Name, Social Security number, Birthdate, Address, Phone Number, and Drivers License number has been taken by unknown entities during the 2017 cyber attack. There is a chance they were also able to access my credit card numbers. 

I am a victim of Identity theft and now at high risk of credit and identity fraud.
Consumer complaint received 2021-09-06
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. (FL)

On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.