davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I previously I had an issue with 2 XXXX XXXX cards i was fighting for years showing late payments. I finally got it resolved through the CFPB. XXXX  XXXX sent a letter to contact all 3 credit bureaus saying that I paid on time and should have no late payments on either account. They all updated INCLUDING Equifax ... But I had a current open " dispute '' for the accountants going with equifax. So the information was updated to show on time payments as requested by XXXX  XXXX for both accounts, then EQUIFAX CLOSE THIER DISPUTE AND REUPDATED IT TO SHOW BOTH ACCOUNTS LATE AGAIN! I called and no one seems to understand or listen to me. Neither XXXX XXXX account should show any late payments as requested by XXXX XXXX via written proof through CFPB.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (CA)

XX/XX/XXXX : I requested a virtual card ( loan ), from Affirm to buy women 's footwear from a company called XXXX. I was approved. 

XX/XX/XXXX : I placed my order. Later, that same day, my order was cancelled by XXXX because what I wanted was out of stock. 

XX/XX/XXXX : I called Affirm to cancel the card/loan, notifying them that I would NOT be utilizing it, and the reason why I would not be using it. I was told by Affirm CSR that they would NOT cancel the card or loan until XXXX, notified them of the cancellation and released the amount held. 

XX/XX/XXXX : I called XXXX and they said they would release the amount and notify Affirm. 

XX/XX/XXXX : I submitted all this written documentation between XXXX and myself to Affirm as proof that I was NOT USING, had not intention to use, the card/loan. 

XXXX XXXX ongoing : AFFIRM FAILED to follow through with their own policies. That is : Cancel the card automatically after 24 hours, and only allow the card/loan to be used at the requested merchant : XXXX. 

XX/XX/XXXX : Unbeknownst to myself, many footwear stores were hacked by Cyber-criminals who stole the credit card numbers. My virtual card was among those stolen and misused. I was notified of this by a Cyber Security Company in writing. I promptly sent this information to Affirm and INSISTED they IMMEDIATELY cancel my loan/card as this is PROOF the card/loan number is OUT OF MY HANDS. 

XX/XX/XXXX- Ongoing : Affirm REFUSED. A Senior member of Affirm came on the line and read off a list of charges at various different merchants I have never heard of. There were charges at a tool store, a fishing store, and baby stores. I am a XXXX XXXX XXXX woman with no interest or need for any of those items. I continued to object and state that I have proved that my card number was stolen. FURTHER, if Affirm had simply followed their stated protocol, and CANCELED the card in 24 hours, AND, only allowed it to by used at XXXX, where I requested it to be used, NONE OF THIS COULD HAVE, WOULD HAVE HAPPENED. 

XX/XX/XXXX - ongoing : Still, Affirm holds ME liable for purchases I never made and has sent me to collections for purchases I never made. I called my local law enforcement department to file fraud charges. They indicated to me that, because this is a cyber crime, my best bet was to contact CFPB for help. 

XXXX XXXX : I tried asking for help from the CFPB once. 

XXXX XXXX : Affirm responded with the same " canned answer, '' -- I am responsible, but they will investigate further if I have more evidence. -- What more can I give them? I have provided my order to XXXX, the cancellation from XXXX. XXXX has provided them with a copy of their returned/released funds. I have provided Affirm also with a copy of the notice that the credit card number -- virtual or not, was HACKED AND STOLEN. 

WHAT ELSE CAN I DO?
Consumer complaint received 2019-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: RentDebt Automated Collections, LLC (TX)

Some Company by the name of rent debt has stolen my identity. They call me constantly demanding i pay this debt or go to jail they also have contacted my family members providing them.with personal information.
Consumer complaint received 2024-02-23
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-08
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. (PA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I am not comfortable with how the steps Equifax has taken to protect my information, or the steps Equifax has taken to notify myself and rectify this grievous error.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2019-03-02
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. (TX)

As of today, Equifax lowered my score by 38 points. All the while, my balance continues to lower. I recently lowered my balance for two accounts by {$150.00} each an overall decrease of {$300.00}. In addition, this is the second time I have complained regarding this very same practice. They are constantly lowering my score despite my building excellent credit. In addition, I only have three open accounts, yet XXXX has me with four accounts. This has got to stop. This should not even be permissable. I would like to know what next steps I can take besides contacting you regarding this issue. I want it to stop permanently. I do not want to keep taking hours out of my day to defend erroneous actions against my ability as an XXXX to obtain goods and services at a fair rate.
Consumer complaint received 2024-02-23
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)

I recently received a copy of my credit report and noticed that there is an unauthorized inquiry on it. This has hurt my chances of applying for a new credit. I demand that you remove the listed inquiry immediately. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-09
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)

According to their own tool, I am one of the people impacted by Equifax 's recent cyber security breach.
I have submitted a 90 day alert on my account for all new credit inquiries, but this level of personal data loss is nearly inconceivable to me.
My name, DOB, SSN, and all of my current lines of credit are now permanently accessible by motivated persons on the internet. Who knows what other data was leaked in addition.
What are my options? Change my social security number? This sort of mistake is absolutely inexcusable. The sum inconvenience, to put it lightly, of all affected parties is astounding.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' TRANSUNION is a consumer reporting agency, and I am the consumer in this case and TRANSUNION has allowed XXXX to commit this fraudulent reporting. 
I have the right to make sure my private information isn't shared or exposed, which is backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information. 15 USC 1681c ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 antedate the report by more than seven years. '' This account is an adverse item that TRANSUNION is reporting with the assistance of the third party debt collectors XXXX without my permission, which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) states, " 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. '' 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' TRANSUNION is not maintaining reasonable procedures and allowing XXXX  To fraudulently manipulate and report inaccuracies upon my consumer report. The worst part of all of this is that I never had nor implied any contract with XXXX for them to have my personal information neither do I owe XXXX, the original creditor, any outstanding balances so where did XXXX steal my information from is beyond me and I need to get to the bottom of it.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2020 ( add the date the client started with us ) with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Consumer complaint received 2019-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit  Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-03-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (NJ)

On XX/XX/2022 I called the debt company and was advised I have a debt. I told them the I dont know about the debt. They never wrote me any correspondence they have the debt or how to dispute. I was never told me communication with debt collector was an attempt to collect a debt.
Consumer complaint received 2022-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (MD)

I applied for credit and was denied, my denial letter is proof I was discriminated against. Navy Federal should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX D.O.B XX/XX/1992 XXXX # XXXX I am not an attorney or a third party, I am filing a complaint on my own behalf because it is my legal right to do so. I have had my income affected by the Pandemic Shutdown. I am requesting accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am in the process of refinancing my Car loan and I need help with the late payment and repo reporting is inaccurate. 
Please update the following reported account to a current status XXXX XXXX XXXX  XXXX XXXX XXXX. I have two unverified account that are not reporting correctly I new had any legal business dealing with the following companies : XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX. I HAVE DEMAND LEGAL DOCUMENTS FROM THESE COMPANIES BEFORE I RECEIVED NOTHING IN WRITTEN CORRESPONDENCE. PLEASE DELETE/ REMOVE THE ACCOUNT AT ONCE!! 

I have found Cell phone numbers on my account that do not belong to me!! 
( 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 2017-09-08
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)

According to Equifax 's website my data was likely stolen in their recent breach which impacted more than XXXX Americans. The credit monitoring service they 're offering only covers XXXX year of potential fraud and would require me to forfeit my right to litigation over this issue. Due to their negligence, I 'm also going to have to spend at least {$60.00} to freeze and unfreeze my credit reports. I 've never voluntarily done business with Equifax yet they have all of my personal information and their lack of security means that I 'm now at high risk for identity theft.
Consumer complaint received 2017-09-08
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. (MN)

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution
Consumer complaint received 2024-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau Consumer Response Division XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Unauthorized Hard Inquiry on TransUnion Credit Report by XXXX XXXX Dear Sir/Madam, I am writing to formally dispute an unauthorized hard inquiry on my TransUnion credit report. This inquiry, made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), was recorded on XX/XX/2024, without my consent or authorization. 

As per the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report. The FCRA mandates that all items on a consumer 's credit report must be fair, accurate, and substantiated. An unauthorized hard inquiry violates these principles, as it suggests a credit check initiated without my permission. 

The details of the disputed inquiry are as follows : - Inquiry Date : XX/XX/2024 - Reporting Agency : TransUnion - Inquiring Organization : XXXX XXXX XXXX XXXX I request that the Consumer Financial Protection Bureau investigate this matter and ensure the deletion of this unauthorized hard inquiry from my TransUnion credit report. I have not initiated any transaction or application with XXXXXXXX XXXX that would warrant a hard credit pull. Therefore, this inquiry is a clear error and must be addressed promptly to prevent any unwarranted impact on my credit score. 

Enclosed with this letter are copies of my credit report highlighting the unauthorized inquiry and any other relevant documents for your reference. Please note that I have also contacted TransUnion and XXXX XXXX directly regarding this matter. 

I trust that the CFPB will take swift action in accordance with consumer protection laws to resolve this issue. I kindly request a written confirmation of the deletion of this inquiry from my credit report upon resolution. 

Thank you for your attention to this matter. I look forward to a prompt and favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : [ List of documents enclosed, e.g., copy of credit report, correspondence with TransUnion or XXXX XXXX, etc. ]
Consumer complaint received 2019-10-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-08-10
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. (IL)

I have disputed and requested verification of a Bankruptcy reporting on my credit report reporting inaccurately against me. I contacted Transunion, XXXX and XXXX via mail and phone call. I was advised they verified the information with the courts. I have received a letter from the court that states that did NOT provide this information to the credit bureau so the credit bureau LIED about verification. I am aware that if the information was illegally obtained and not provided by the source they are stating the credit bureau is required to delete this information and they refuse to do so.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (FL)

I had two accounts with Shellpoint Mortgage Servicing. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

Equifax acting in a negligent manner in safekeeping my and numerous other personal information and should make reparations to all individuals affecting by this grievous inaction to safeguard the consumer.
Consumer complaint received 2022-09-08
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. (GA)

In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' * 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 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 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 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.