davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, On XX/XX/XXXX this year I closed a Credit card Account with XXXX XXXX. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted XXXX and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from XXXX to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX  credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a Transunion dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. 

Thank you so much
Consumer complaint received 2024-05-13
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)

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.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CT)

I have several store credit cards that are serviced through this one bank. Recently the bank stated that they would be charging for the monthly paper statements. I called them to change to an electronic statement, and they said I had to go online myself to do it.

I feel that they should be able to handle this change over the phone without me going online. I depend upon the mailed statement to show all account activity.in one glance. They are charging a fee for the paper statement. I feel that they are making it harder for the consumer to see their accounts. They are also creating a problem with the payments process. It makes it easier for the consumer to be late with the payment, and when they are, they will be charged a late fee. This whole situation could be eliminated by providing the previously free paper statement. These banks are great at coming up with ways to charge the consumer new fees. Thanks for your time and your help. Respectfully, XXXX
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

Care credit is charging a late fee amount of {$41.00} if even XXXX day late. 
Care credit did refund me the late fee since it was only XXXX  days late however I believe the CFPB passed a law that companies can not charge late fees of this max amount. When I asked the service rep about this he declined to answer. 
Also I was given XXXX months to pay off amount on card if not done by XX/XX/2024 {$530.00} will be added to the total on top off interest
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

Received an email on XX/XX/year> with my new balance. Logged into my account to check charges. When I selected statement a pop up came up stating I can get access unless I agree to paperless billing. I contacted them through their live chat and they said even if I signed up I could get statements until next month. This is new and I never received notice.
Consumer complaint received 2023-12-06
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. (FL)

Upon reviewing my credit report, it has become evident your company, acting as a consumer reporting agency, along with the so-called " creditor, '' have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in light of the provisions stated in 15 USC 1692a ( 2 ) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a " Communication. '' As per the literal interpretation of " any medium, '' this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a " Communication '' under the FDCPA. 
In accordance with my rights outlined in 15 USC 1692c ( c ) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to this account. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. 
Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. 
Failure to respect this cease-and-desist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed under the FCRA and the FDCPA. 
I urge you to promptly address this matter and comply with this cease-and-desist notice to avoid the need for further legal intervention. I kindly request a written acknowledgment of receipt of this letter, along with your commitment to comply with the instructions provided.
Consumer complaint received 2020-12-18
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. (PR)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

Subject : Dispute Regarding Purchase of XXXX XXXXr - Seeking Reimbursement for Shipping Cost Dear cfpb Customer Support, I am writing to address a significant issue regarding a recent purchase I made on XXXX. On XX/XX/2023, I ordered a XXXX XXXX, which was advertised as XXXX XXXX. However, upon receiving the item on XX/XX/2023, I discovered that it was made of aluminum, in clear contradiction to the product description. 

I promptly contacted the seller to resolve the issue, but they refused to acknowledge the discrepancy. Subsequently, I sought assistance from PayPal, who assured me that I could return the item and receive reimbursement for the prepaid shipping cost. 

Following PayPal 's instructions, I returned the item with the provided tracking number, expecting a refund of both the purchase amount and the shipping cost. However, to my dismay, PayPal ultimately favored the seller and closed the case, claiming my tracking number was invalid. 

This ordeal has resulted in significant financial loss, as I have not only lost the item but also incurred expenses for the prepaid return shipping cost amounting to {$120.00}. 

Despite my efforts to seek resolution through PayPal and my credit card company, I have been unable to recover these costs. Therefore, I am now reaching out to request your assistance in facilitating the reimbursement of the shipping cost. 

I trust that you will handle this matter with urgency and ensure a fair and just resolution. Attached are the relevant documents to support my claim. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

On XX/XX/2023 I requested an investigation into my consumer report because this account is causing extreme damage to my credit score. XXXX XXXX is the account in question. Now I have provided court documents confirming that I am not responsible for this account and yet they refuse to remove it from my report. This is a direct violation of the FDCPA 15 USC 1692 the burden of proof is on your organization to verify the information that you furnish on a consumer report.
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (CA)

I am writing to dispute the accuracy of several inquiries listed on my credit report. These inquiries were made without my explicit consent, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Permissible purposes of consumer reports ) and 15 U.S.C. 1681c-2 ( Limitations on information sharing ). 
The following inquiries are of concern : XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX. EXPERIAN XXXXXXXX XXXX  ( Date : XX/XX/XXXX ) XXXX. XXXX ( Date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX )
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX to compensate for XXXX, XXXX XXXX, XXXX data breach XXXX XXXXXXXX XXXX redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX  XXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? 

Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. 

Never XXXX  letter for most recent incident or XXXX from XXXX How will I be notified if my data was impacted? 

You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free TransUnion identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion at XXXX. 

Why did it take so long to determine if my information was impacted? 

Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. 

Have more questions? 
Call the XXXX XXXX XXXX XXXX Response Line, supported by TransUnion. Monday through Friday XXXX XXXX XXXX XXXX XXXX XXXX This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers
Consumer complaint received 2023-12-06
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. (NJ)

ACCORDING TO 15 USC 1681I XXXX XXXXXXXX, EQUIFAX, AND XXXX 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. 




Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I am writing to dispute four inquiries on my Equifax credit report that I believe are fraudulent. These inquiries have negatively impacted my credit profile, and I request that they be thoroughly investigated and removed from my credit report as soon as possible. 
The details of the disputed inquiries are as follows 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 I have no knowledge of authorizing or applying for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the specified dates. These inquiries do not correspond to any legitimate credit applications made by me, and I have not initiated any new credit relationships with these institutions during the stated periods. 

Due to the fraudulent nature of these inquiries, I am concerned about potential identity theft or fraudulent activity on my credit report. I have taken immediate steps to secure my personal information and have placed a freeze on my credit with the major credit bureaus to prevent further unauthorized access. 

I kindly request a thorough investigation into these inquiries to determine their legitimacy. Please provide me with any supporting documentation or information that may have led to the inclusion of these inquiries on my credit report. 

Furthermore, I request that Equifax take the necessary actions to remove these fraudulent inquiries from my credit report, as they are affecting my creditworthiness and financial standing. I understand that the Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting, and these inquiries do not meet those criteria. 

Please inform me of the results of your investigation and any actions taken to address this dispute. I can be reached at XXXX if you require any additional information or documentation from my end. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution of this dispute and the removal of these fraudulent inquiries from my Equifax credit report.
Consumer complaint received 2024-08-22
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)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX MA XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX XXXX XXXX XXXX I XXXX received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor. 
1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-05-13
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. (TN)

Hard InquiryXXXX XXXX I am writing this letter for the FOURTH TIME to dispute a fraudulent hard inquiry that has appeared on my credit report. I have been a victim of identity theft for the past 6 months, hence the PREVIOUS active fraud alert on my profile. I recently unfroze my credit to move forward with an apartment check and in the time that its been unfroze someone has accessed my information. Attached is the XXXX XXXXetter confirmation of fraud. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), which protects consumers from the consequences of identity theft, I am requesting the removal of the following fraudulent inquiries from my credit report. XXXX hard inquiry on XX/XX/year> I did not submit nor authorize any inquiries from XXXX. I have XXXX open accounts or connections to this institution- plus I have already disputed this issue and it was initially removed, so why is the inquiry back again?
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (PR)

Nationstar Mortgage is reporting incorrectly my credit report. They are reporting late payments from XX/XX/XXXX to XX/XX/XXXX, XXXX ( XXXX late payment ) that never happened. I had a loan modification due to unemployment and never stopped to make my assigned payments. They stablished a payment for XXXX months equal to the new payment will be and then proceed with a modification. All this time they were telling me that my credit will not be affected. I stared XXXX different disputes with the credit agencies without a satisfactory result.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (FL)

Sofi just locked my account for no apparent reason. They keep telling me their security team is reviewing. Now I feel like my information has been stolen and susceptible to possible data leaks within their company. I wouldve never signed up for an account knowing I would only be able to use it for 2 weeks before they locked the account for no apparent reason.