davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay.
Consumer complaint received 2022-07-27
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Syncapay, Inc (GA)

I have come across an issue with Prepaid cards issued by Prepaiddigitalsolutions.com company. 

I had two prepaid cards worth {$70.00} each and were expired on XX/XX/2022. I had used the entire amounts from both cards to pay to a merchant on XX/XX/2022 prior to the expiry date. 

Card numbers are ending with XXXX and XXXX. 

My issue started with the merchant not delivering the service promised so I was working the merchant to refund my money. Which they finally did in the month of XXXX ( XX/XX/2022 ) on both cards for the full amount of {$70.00} each. 

However, since my prepaid card had already expired, why did the Prepaid card issuer allowed the money to be refunded back into the same expired card? 

To add insult to injury, my expired cards had now {$70.00} balance on each cards with expiry date of XX/XX/2022. When I contacted the card issuer on how to get access to my money on these cards, I was asked to request replacement cards and I was told that they will charge reissue fees of $ XXXX on each card. 

This is unfair practice of charging fees for the cards that they accepted the refunds on. 

Please help resolve this unfair fees charged to me. This is a double whammy for me since merchant did not deliver the service and now card issuers charging me unfair fees.
Consumer complaint received 2022-07-13
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. (TX)

I am frustrated to see the Credit Bureaus do nothing about my requests for the removal of the fraudulent items from my Credit File. I am submitting this complaint to do another request and have the items that resulted from the theft of my Identity be deleted from my Credit file. The Credit Bureaus are given ample amount of time, to conduct a proper verification and provide proof that the items are indeed mine, by the FCRA regulations and yet they have failed to comply with the Federal law. Let me remind the Credit Bureaus that they are required to comply with the FCRA section 605 and remove the following fraudulent items completely from my Credit File with or without proper investigation since the time allotted for them to investigate is already over. Pursuant of the FCRA regulations, I am urging the Credit Bureaus to delete the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

VALIDATION AND CEASE AND DESIST Collection agency name : Military Star Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : N/A Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Dear ( Military Star ) I recently 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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

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 secure 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
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One charged me {$4.00} dollars on my credit card ending # XXXX after I paid the account in full on XX/XX/2022. 
On XX/XX/XXXX I paid {$50.00}. I contacted Capital One and confirmed they received my payments and to make sure they were going to close the account. Capital One confirmed the receipt of the payments I made. I had no idea Capital one was going to charge me fees after they confirmed my account would be closed with a XXXX balance. This is predatory of Capital one to do this to its consumers and they reported me late to the credit agency too.
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

Since I turned XXXX XXXX XXXX on XX/XX/XXXX, I have tried to activate my free membership on Experian. I have called, emailed, and sent letters through their website. I receive multiple emails asking that I activate my account, but it always gives an error and says that I need to call your customer service number. When I call, they say they can not authenticate my identity and I must wait XXXX hours and call back again. I have called over and over and am always told to wait and call back again. This has occurred more than XXXX times when calling since XX/XX/XXXX. 

The customer service representatives have forwarded me back and forth between the dispute center and the membership center, and each says that it is a problem with the other side of Experian. I have received a printed copy of my credit report and confirmed that all the information is correct so there is nothing to dispute. I have a current freeze in place and have the pin for that freeze. I have included copies of my passport, XXXX XXXX bank statement, and can provide any information needed. 
Now, I am caught in the middle and still can not access my credit report online. When I call, they say they can not authenticate my identity and I must wait XXXX hours again. This puts me at risk for identity theft because I can not access the information online or manage my credit freezes. Furthermore, I have uploaded my documents on your website to confirm my identity and have submitted escalation requests to correct these issues, all so I can activate my free online membership. Every time, I receive a reply that Experian can not complete my request for setting up a free membership. 

My most recent escalation number is # XXXX. I have asked that any accounts set up under my social security be deleted so I can set up a new online account. I am sending all this information by mail so you will confirm that this has all been corrected on my account, as I havent been able to solve this on the website or by the phone. Every time I call, the representatives say that there is a different reason that my membership can not be authenticated. I have gone around and around in circles for more than 6 months, and have asked my mom ( XXXX XXXX ) to help by calling as well. 

I need Experian to fix this issue so I can activate my free membership with a new email address. I will use the following email to set up a new account once the others have been removed : XXXX Although they opened an escalation ticket, I have gone through this process of escalation several times and am not hopeful that this will actually be resolved without help from the CFPB.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I requested both the credit Burure and XXXX to reinsert the following XXXX XXXX account with its payment history. 

It appears that XXXX has maliciously inteneded to purposly erase good payment history while reinserting old accounts that have been deleted by both themseleves and reinsert a XXXX account that was already deleted. 

Below is the account they have intentionlly deleted from my payment history to cuase damages.
Consumer complaint received 2022-07-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 2022
Consumer complaint received 2024-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (TX)

On Tuesday, XX/XX/XXXX, there were 11 pending charges for {$90.00} ( totaling {$990.00} ) that were charged using one of the debit accounts associated with our Ally Bank checking account. We immediately called the bank and they closed out the debit card associated with those charges. We were then told to wait until the charges had posted to the account. After the charges were posted to the account ( resulting in an overdraft ), we were told to dispute the charges using Ally 's online banking website. We have an automatic transfer of funds set up from a money market account and so we had a transfer of funds out of our money market account to cover the associated overdraft in the checking account. We disputed the 11 charges on Wednesday, XX/XX/XXXX and signed an affidavit that these charges were not legitimate. It was very easy to determine they were not legitimate : The charges had a legitimate company website associated but a bogus # XXXX that was not in service. I called the company and they confirmed that they did not run 11 charges via POS on my husband 's card. It is now Wednesday, XX/XX/XXXX and Ally Bank has indicated that they are still doing their investigation. Ally Bank indicated they would provide conditional credit but they have not and our {$990.00} is out of our money market account- costing us interest earned. In researching, it appears in 2021, Ally Bank had a hack that resulted in the release of their customer 's information so I can only assume that the information for our account was purchased as a result of that hack.
Consumer complaint received 2023-03-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (FL)

On XX/XX/XXXX I purchased a vehicle from one of XXXX XXXX XXXX XXXX XXXX XXXX ) dealerships in the state of Florida. The vehicle was financed with XXXX XXXX since it is considered their in house financing. The company based out of XXXX, TN closed their doors and shut down all operations on XX/XX/XXXX and issued no notice to its consumers about what will happen to the accounts, how we can make payments, and anything regarding warranty on the vehicles. Days had passed and still no notifications as to what is going on. I learned about the news through social media and stayed in touch with a group from around the nation that are in similar situations with vehicles from XXXX. I was advised that Westlake Portfolio Management might have my account since others were receiving emails and texts about the accounts being transferred over. I was never contacted by Westlake but I did my due diligence and contacted them to see if they had my account. They verified my account and advised me that they needed a few days to be able to have my contract uploaded which I understood. I've had multiple conversations with Westlake customer care and have been told lies or no answer at all with what is going on with the lease. My payment information was given to me incorrectly, I was told that warranty would not be covered but was told that it was, I was also told that the contract was not changing and therefore I did not need to receive an updated contract to sign, I was told to provide a copy of my contract so they can review it and any receipts of any issues I was getting fixed so they can see if they can reimburse me. I have been called due to non payment because I do not feel comfortable paying a company that doesn't even know what is going on or uphold their end of the contract like they are supposed to since they are supposedly taking over. The vehicle has always had issues since I first got it but was fixed when I brought it up to XXXX. I have not been given any explanation of what is going on and believe that Westlake is under a breach of contract. Line 39 of the contract states that any modifications will be provided to me in writing and will need to be signed by both parties. Nothing like that has happened. XXXX finally filled bankruptcy on XX/XX/XXXX but I have no idea what that means for me. I am scared to drive a vehicle that is not covered under their warranty and I am scared that the vehicle will just be picked up and affect my credit.
Consumer complaint received 2022-07-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Hello, I entered into a mortgage agreement with XXXX XXXX  XXXX ( XXXX ) on XX/XX/XXXX. One specific rule was to make escrow payments for 12 months at which time I can request to remove the escrow. After a few months of payments the mortgage loan was sold to be serviced by another servicer named Shellpoint Mortgaging by Newrez ( Customer Service department at XXXX / https : //www.shellpointmortgageservicing.com/ ). I recently emailed asking to remove the escrow as we will be approaching 1 year upon XX/XX/XXXX payment. They wrote me back stating " THEY '' require 24months of payments before being released from the escrow. THIS IS NOT FAIR TO ME AS THE CONSUMER! I didn't have anything to do with changing the servicer nor was I asked if I wanted to change to the new servicer. They are monopolizing my money and it is NOT FAIR. I never wanted this escrow in the 1st place but COVID forced a situation on us that we had to take this loan. I had no idea what criminals these people are! Don't they have a fiduciary responsibility? Why should I get screwed by a company I didn't make any agreement? I want to be released from these chains of ESCROW immediately. 

Please help! 

Thank you, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (MI)

This is not a duplicate complaint, Credit corp is using this as a stall tactic. Credit Corp failed to respond to the issues raised in the previous complaint ( complaint numbers XXXX ) so I made a new complaint with a new letter and invoice attached for the violations under the FDCPA. The new complaint number was XXXX. In the first complaint Credit Corp stated they are sending correspondence to me via mail they did not send anything besides what they called there validation package including an affidavit they wanted me to complete ( there response attached ) they failed to provide the items requested by me. I am a consumer that has the right to say if the debt is alleged and because me stating its an alleged debt which is exercising my federally protected rights, Credit Corp threatened to put the tradeline on my consumer report, which is a definite violation of 15 U.S.C 1692 THE FDCPA. They have not mentioned a solution for there employees violating my federally protected rights. Attached is a letter and a invoice, If credit corp fail to rectify this issue the next steps will be legal matters. Only respond to me via cfpb. The invoice attachment is time sensitive.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (KS)

Chime has suspended my account to where I can not use any of my money. I received my direct deposit from my employer into my account and Im unable to use it due to them suspending my account and not resolving it. They suspended my account on XX/XX/2022 at XXXX due to unusual activity when I was just trying to login and update my phone number since I dont have the old number anymore. Chime wouldnt let me use my phone number because it said it was used on another account so I tried using another number. I provided them with all the information they needed including proof that that is my phone number right after they asked for it! Im a XXXX XXXX XXXX with low income and Im unable to buy food, pay bills and put gas in my vehicle to go to work now. Every time I call they inform me they can not do anything to help me to unsuspend my account and that I have to wait. Everytime I called they told me it would be resolved in a couple hours and gave me a different time frame every single time I called and talked to someone which it never became resolved. I am at very upset because now I have no way in providing for myself and my kids due to this issue and its not being resolved. I have been a loyal customer with them for XXXX years with no issues until now. I need help and they refuse to help me so I can use my money that I worked for! Im now worried Im going to lose my job because I can not drive my vehicle to and from work, Im also worried Ill have my utilities turned off and have no way of feeding me and my kids. I need help please!
Consumer complaint received 2022-07-13
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MI)

I paid an settlement on the account XX/XX/2020 and its only reflecting as paid on one of my credit reports. On the other 2 it states that its reflecting as Derogatory which is hindering my credit score