davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

When i became a victim of the data breach, my personal information, such as Social Security number, credit card details, and other sensitive data, has been exposed. This lead to identity theft, where criminals use the stolen information to open fraudulent accounts, apply for loans, or make unauthorized purchases. For me i already have poor credit, this situation has worsen in the following ways : 1. Increased Debt : Fraudulent activity has resulted in unauthorized charges or new loans being taken out in my name. This lead to mounting debt that the i did not incur but is held responsible for until the issue is resolved.

2. Lowered Credit Score : Credit scores are negatively affected when there are late payments or high balances on accounts. The fraudulent debts from data breach has further decrease my low credit score, making it harder to secure loans or credit in the future.

3. Difficulty Disputing Fraudulent Activity : me being a victim of identity theft have found it challenging to dispute fraudulent charges or accounts, especially if they are already in financial trouble. The process can be lengthy, involving contacting credit bureaus, creditors, and law enforcement.

4. Higher Interest Rates : With a damaged credit score, I face higher interest rates on existing debt or future loans. Lenders consider them high-risk, making borrowing more expensive.

5. Legal or Financial Responsibility : In some cases, I might need to hire legal or financial experts to clear up my credit reports and handle the repercussions of the data breach. This can lead me to further financial strain.

6. Emotional and Psychological Stress : The financial stress caused by increasing debt and negative credit impacts has lead me to XXXX, XXXX, and other emotional challenges. Im currently XXXX XXXX for this. 

Overall, me being a victim of the data breach i already have poor credit or debt may find my financial situation worsened significantly, requiring immediate action to mitigate the damage. and remove all negaive items and debt collction off all three credit bureaus immediately by law FCRA 605 ( b ) ( 15 u.s.c. 1681c-2 )
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-07-25
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. (PA)

I REVIEWED MY CONSUMER REPORTS AND NOTICED THAT I HAD TWO LATE PAYMENT ON AN ACOUNT THAT I WAS NEVER LATE FOR CONSUMER REPORTING ANGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPOT CONSUMER INFORMATION TO THE BEST OF THEIR ABILITY WITH MAXIMUN ACCURANCY. I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT NAME : XXXX XXXX ) ACCOUNT XXXX ), PLEASE INVESTIGATE AND PROVIDE PROOF WITH STATEMENTS SHOWING THAT THESE PAYMENT WERE LATE. IF PROOF CAN'T BE PROVIDED I DEMAND THESE PAYMENT BE UPDATED TO ON TIME AS THEY SHOULD BE AS I WAS NEVER LATE THANKS.

Dear CFPB Team, I am writing to inform you about an issue I have encountered with the credit bureaus. Recently, I sent a letter requesting the removal of an incorrect late payment from my credit reports. This late payment never occurred, and I believe it is an error that is negatively affecting my credit history.

Unfortunately, despite sending this request to the relevant credit bureaus, I have not received any response from them. It has been 31 days since I sent the letter, and I have yet to see any resolution.

I am seeking the assistance of the CFPB to help resolve this matter. Enclosed with this communication, you will find a copy of the letter I sent to the credit bureaus and any other documentation relevant to this issue.

I appreciate your attention to this matter and look forward to your prompt response.

Sincerely,
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am a member of XXXX XXXX XXXX XXXX ( XXXX ) and have been since XXXX. I also have an XXXX Credit Card that was managed through XXXX Bank. XXXX claims to be a cooperative with all members having a stake in the company. Last summer, to begin in XXXX of XXXX, the management decided, without any input from the members, to change banks managing the credit card to Capital One. They sent out many, many notices both in paper and online about all the benefits of this change. 

They also sent a XXXX, single-spaced document using a tiny font, describing in great detail all the changes. Somehow I missed the section on Rewards Redemption, a mere 6 sentences, that would begin on XX/XX/XXXX. The change is drastic. Previously XXXX Credit Card Rewards could be received via cash or check. NO OTHER NOTICE to this effect was sent. XXXX has a XXXX rating with the XXXX XXXX XXXX and is NOT XXXX Accredited. There have been 46 complaints in the last three years and 16 in the last 12 months at the XXXX. Many of them repeat what I have stated above. Insufficient notification was given, along with deadlines clearly delineated, when a credit card holder could redeem the rewards in cash. Now the money must be spent at the store. 
I have {$380.00} in rewards and I have asked for the money. They refused. 

Initially I was told a check would be sent within the next week to 10 days. I waited. Nothing. I called again and then was told about the new policy and that nothing can be done about it. I do NOT want to spend that money in the store for items I do not need. I am an older person and can no longer use most of the merchandise in the store and the clothes are generally much too large for me. 

I have emailed the Board of Directors on XX/XX/XXXX and again on XX/XX/XXXX. I included the CEO in the second email. I have had NO response from them. Last week I contacted XXXX XXXX XXXX with my concerns. I was unable to locate a direct email to the XXXX, XXXX XXXX. 

XXXX is no longer a Coop as they claim. The salaries of the Management and the Board Members are way out of line with a company that claims, in their self-description, to serve the best interests of the members.
Consumer complaint received 2024-07-25
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. (CA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I use chime bank. On XX/XX/XXXX, my debit card was charged {$270.00} from XXXX, after investigating it appears that the transaction was placed in XXXX arkansas and I live in Texas so this was clearly fraud. After more investigating, it seems as if someone hacked into my XXXX account and used my debit card which was already on file to make the purchase. These products were for women such as hair dye and women 's supplements but I am a man and have no use for these things. I promptly closed my XXXX account due to fraud and contacted my bank to explain the situation. After a few weeks, chime bank came back with a decision to reject my claim on the premise that " no error was made ''. After the rejection, I resubmitted the claim but it got rejected again, I contacted XXXX management and they told me since I closed my XXXX account, they can not provide a refund but to contact my bank, they also told me that my bank should have accepted my claim because it was fraud. The vendor is on my side but are unable to do anything about it because I voluntarily closed my XXXX account. Now I'm stuck and need help from an outside agency as I have exhausted my options. It is clear that this is a case of fraud and I'd like my money back.
Consumer complaint received 2024-09-13
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)

XXXX XXXX XXXX Account Number - XXXX I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting Immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you Legally own this alleged debt and that it is accurate and complete thank you for understanding
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



Please remove the following items from my credit report, immediately : ExperianXXXX 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-25
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. (GA)

I am writing to express the profound impact that recent events have had on my life, stemming from inaccuracies in my credit reports held by XXXX, Equifax, and XXXX. U

nder the protections granted to me by the FCRA and FDCPA, I submitted a notarized affidavit to each agency to rectify these errors and uphold my rights to privacy and fair treatment under the law ( 15 USC 1681s-2, 15 USC 1692c , 15 USC 1681c ( a ) ( 2 ) ( B ), 15 USC 1681e ( B ) ). Regrettably, despite my efforts, I have yet to receive any resolution or acknowledgment of my disputes. This lack of response has not only deprived me of my legal rights but has also caused significant distress. When attempting to follow up on my submissions, I have been disconnected and faced persistent issues accessing my accounts, exacerbating an already challenging situation. The repercussions have extended beyond mere inconvenience ; they have impacted me financially and emotionally. The uncertainty surrounding my creditworthiness has caused undue stress and mental anguish, affecting both my personal and professional life. I am reaching out in earnest hope of receiving the necessary assistance to address these matters promptly. It is my earnest desire to be treated fairly and equally under the law, to be provided with the remedies I am entitled to, and to rectify this situation without further delay. I kindly request immediate attention to this urgent matter and look forward to your swift response.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I reviewed my Equifax credit report to find out that someone has stolen my identity and attempted to get a credit line in my name. XXXX XXXX XXXX showed up as a Hard Inquiry that I did not authorize. I demand this be removed immediately in compliance with FCRA guidelines.
Consumer complaint received 2022-12-04
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: BARCLAYS BANK DELAWARE (NC)

I have started disputing errors, omissions, and inconsistencies on my credit reports on all 3 major credit bureaus. I know Barclay 's received my disputes because of XXXX After 45 days, I noticed my disputes were ignored, and not even marked in dispute. I disputed the account again though the credit bureaus, and with Barclay 's directly. While one or 2 of the items I disputed were modified, the credit reporting is still loaded with errors. After consulting with a professional, I decided to file for arbitration against Barclays in XXXX. It is now XXXX, and other than their attorney introducing themselves, no action or communication has happened. Even now, I am willing to resolve the matter if they would simply communicate with my authorized representative.
Consumer complaint received 2024-07-25
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. (GA)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-07-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Iam cosigner on the FHA mortgage ( security instrument ). The successor of note ( promisary note ) is Carrington mortgage services, since then since then I have been divorced. My ex-husband signed a quick claim deed on note in the mortgage and the deed. I supplied Carrington mortgage with all that information, they then replied back with a letter stating I was a " confirmed successor of interest ''. Now I need loss mitigation because I'm struggling making my mortgage payment due to loss of income from a divorce and they want the same papers over and over and over about my divorce decree a quit claim deed showing that I have rights to this property after I've already confirmed. And are still insisting that my ex spouse who executed a quick claim deed and no longer has rights to the property still submit paperwork to be able to have loss mitigation options. It'd be really nice for them to fix their errors and provide lost mitigation services to this FHA backed mortgage. As a Successor of Interest, I am considered as borrower and consumer and have the same rights and remedies. This is my primary residence ( Homestead ), not XXXX.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (ID)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE XXXX  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 # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXP 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 XXXX 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 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account that is found to be opened due to identity theft. It appears that my credit with you has been compromised, this account being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The listed account that they must remove XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
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: EQUIFAX, INC. (FL)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I noticed a credit card account that does not belong to me and was not authorized by me in my credit reports. The account information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX