davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC (MS)

My mortgage was sold by XXXX XXXX to Fay Servicing XXXX around the end of the last year. During my time with XXXX XXXX, I had a repayment plan in process to get caught up on payments that was supposed to end in XXXX with a payment of {$1100.00}. Once Fay Servicing took over the loan, they never tried to contact me via phone or email. They only sent letters staying that I owed {$2000.00} plus on my mortgage with no explanation. Was not able to get anyone on the phone at the time when calling them. I made a payment through the automated system on the phone for the final repayment plan amount of {$1100.00} in the month of XXXX. I finally got logged onto the online portal and found that my account did not reflect me making that payment and stated I only paid {$850.00}. I called and called and finally got a hold of a actual person on the phone on XX/XX/XXXX ( who was extremely rude ) and I explained to him that I made the final repayment plan payment and that should've been finished. He tried to tell me my repayment plan goes until XXXX? And he couldn't explain either why the previous payment didn't reflect the correct amount I paid. He told me that he would get the details of my repayment plan and call me directly in a couple days. That has not happened. Again he was extremely rude as well. It's been two weeks since and now I can't get a hold of anyone on the phone at the company now. This company does not have a good reputation either I'm begging already for this company to sell my mortgage elsewhere or anything.
Consumer complaint received 2024-02-27
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma (VA)

I received a ACH transfer from XXXX  over the weekend due to a hardship withdrawal. Out the blue credit karma deactivated my karma account and froze my spend account. Ive reached out both via chat ( 7 documented times ) and phone ( 5 recorded times ) and am only being told that someone will follow up via email. I requested on XX/XX/24 for the money account to be closed due to no one being able to provide me any information and was told that they would not be closing the account. No email response from any team other than them saying my account is closed.
Consumer complaint received 2024-04-12
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I bought American express e gift card. I tried to use it for online purchase with very low amount compare to the gift card. It kept getting declined by online store. It is a e gift card which I have no physical card. The card has XXXX balance, but I can't even use it to pay XXXX XXXX one time fee for my phone service. 

I called them they have no answer.
Consumer complaint received 2024-01-16
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Owed : {$4100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXX **** Balance Owed : {$140.00}
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc. (MA)

On XX/XX/XXXX I called a debt collection agency from my cellphone ( XXXX ) XXXX because it showed up on my credit karma as a collection I owed in the amount of {$360.00}. The only information I had is that the debt was initiated in XXXX of XXXX for the amount of {$360.00} and it said that I needed to contact the agency at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, telephone number ( XXXX ) XXXX. It did not give me the agencies name. The lady I spoke with would not tell me why I owed this money. She told me I needed a reference number or she wouldn't even be able to continue to speak with me. I looked through credit karma and couldn't find one so she told me she had to hang up. I explained that I was calling to pay the debt as long as I could find out what it was for and she told me that she couldn't give me any information without a reference number or without me confirming the address. I listed off all the addresses I have lived at in the last few years ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. She told me that none of these addresses matched her records and refused to speak with me further. She told me I should've received a letter or a text message neither of which I did. But I suggested to her that she could send me a text now to the number they have on file since I've had the same phone number for years. She refused. Since that call my credit score has gone down 47 points and I am currently looking to rent a new apartment and now my credit is far below average. I feel unjustly penalized especially as I was attempting to pay her the money but she wouldn't speak with me. I've called collection agencies before and there's other ways of verifying who I am and I think it's unfair that she wouldn't even allow me to pay the money or give me any info on it and now my credit is being affected severely. Please help me resolve this issue either by learning what it's from so I can pay it or if it's not from an address I've lived at then help me dispute it. I am reporting this to you on the recommendation by my realtor who suggested I reach out to the cfpb for help. Thank you for reading this message and I look forward to hearing from you Sincerely, XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (GA)

Comenity Bank never informed ( billed ) that I had an outstanding balance until Comenity Bank started emailing me notices that I was Past-due, and was accessed a {$30.00} late fee for a {$32.00} purchase I'd forgotten I'd made at XXXX XXXXs -one of their store-cards.

I complained & was reimbursed the {$30.00}, but sustained the " minimal interest fee '' for two cycles. 

Just to be certain I didn't miss the bill I made another purchase XX/XX/XXXX, waited for the Statement Date ( XX/XX/XXXX ), and 10 days beyond that, and NEVER received any notification in any way, shape or form -email, text-message, or XXXX. And haven't yet. 

XXXX ( XXXX XXXX? XXXX XXXX, Utah? ) is obviously NOT billing their customers for the express purpose of charging LATE fees to those who may forget they made a minor store purchase. 
I have no outstanding complaints that need to be " resolved '', but I do want the authorities to know about Comenity Bank unethical, if not illegal practices.
Consumer complaint received 2024-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Dear Consumer Financial Protection Bureau, I am filing this complaint against TransUnion due to their handling of a disputed account on my credit report, which they have inaccurately re-aged, suggesting a recent late payment. This action is misleading, incorrect, and has significantly harmed my creditworthiness, directly impacting my financial stability and ability to secure essential financial services. 

Furthermore, I wish to highlight my previous attempt to resolve an issue with XXXX XXXX XXXX XXXX. On XX/XX/year>, I sent a certified mail requesting validation of a disputed account, as per the Fair Credit Reporting Act ( FCRA ) requirements. Despite the legal obligation to respond within 30 days, I have not received any form of acknowledgment or response, further compounding the inaccuracies on my credit report. 

This complaint underlines the failure of TransUnion and XXXX XXXX XXXX XXXX to adhere to FCRA guidelines, resulting in severe personal and financial repercussions for me. As a diligent consumer who has not missed a single payment in over five years, and as a single father striving to provide for my family, I urgently request the CFPB 's assistance in investigating these matters and ensuring the correction of my credit report. 

Enclosed are all relevant documents, including copies of the certified mail sent to XXXX XXXX XXXX XXXX, and evidence of the disputed account with TransUnion. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving these distressing issues.
Consumer complaint received 2024-01-15
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2024-04-12
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)

This is my notice of dispute to the credit bureaus equifax, XXXX  and XXXX Neither three Cras have given me notice of my dispute recorded in XXXX  XXXX  15 USC 1681i : Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer. 

Which was not done at all this illegal treatment by CRAs wont go unnoticed I am Disputing the following XXXX  XXXX account which reporting as a open account when it has been charged off this account needs to be removed for illegally reporting and information disclosed is not public information as I have opted out of XXXX  XXXX Contract I am disputing : 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 Equifax has already deleted XXXX XXXX and XXXX XXXX  due to me opting out of my information being disclosed Also XXXX XXXX XXXX  Equifax deleted XXXX XXXX XXXX needs to provide proof of full debt validation no just statement if not proven then remove account I want all accounts deleted or I will be reporting CRAs with the Secretary of State for not giving me a notice of dispute
Consumer complaint received 2024-07-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Unified Global Solutions LLC (OK)

They contacted me said they company was unified global XXXX and threatened to sue me and garnish wages they were very hostile and mean and said the Federal trade commission was liars because I contacted FTC about it and they said that company was banned from debt collection said I owed XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MD)

I sent this letter and received no response. These loans keep getting transferred without my knowledge, approval, or consent. These loans have been reporting on my credit report for over 7 years hence they should have been deleted. I have received no documentation verifying these debts. I have been harassed via email and phone about payments. My cease and desist request has not been adhered to.
Consumer complaint received 2016-02-26
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Bayside Capital Services, LLC (IL)

Debt collector called from Unknown/Restricted number. Left message stating that they needed to discuss scheduling delivery of legal documents, and that they were scheduled to deliver them on XXXX XXXX. They also mentioned that this was a courtesy call prior to doing so. The message also stated questions or concerns or scheduling issues need to be directed to the filing party ( no name of filing party mentioned ). The number that was left was XXXX. This company basically threatened legal action, without leaving any identifying information regarding who they are, or what the legal documents are about. There is n't even mention of a debt in the message.
Consumer complaint received 2024-03-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (ID)

Im 8 days late with my car payment due to my employer has decided to just keep my paycheck. Since then I have spoke to Westlake Financial 4 times, they called my twice within a half hour and have called me 21 times total - in 8 days. LOL
Consumer complaint received 2022-10-24
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: EQUIFAX, INC. (GA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

In light of recent developments, it has been brought to my attention that the creditor failed to furnish the required 21-day notice along with a statement, which would have allowed sufficient time for payment processing and thus, prevented any late payments from occurring on these accounts. This oversight has led to a misrepresentation of the payment status, suggesting a billing error on the part of the creditor.

In response to this discrepancy, I kindly request tangible evidence from the creditor 's bank account, demonstrating any instances of non-payment that purportedly resulted in the reported late status. This evidence is essential for clarifying the circumstances surrounding the alleged late payments and verifying the accuracy of the reported information.
Consumer complaint received 2024-04-12
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. (TX)

I am writing to follow up on my previous communication regarding the late opening of my account. Despite my initial attempts to rectify this issue, I am disappointed to find that the problem persists. 

I appreciate the efforts made thus far to address this issue, but it is essential that the matter be resolved promptly and definitively. I kindly request that you expedite the process of opening my account and provide me with a timeline for when I can expect this matter to be resolved. 

Furthermore, I would appreciate any measures taken to prevent similar incidents from occurring in the future, as repeated delays could adversely affect my confidence in your company 's services. 

Please acknowledge receipt of this letter and provide me with an update on the progress of resolving the late opening of my account. With this, I am asking for your assisstance to correct this late open accout in my credit file : XXXX XXXX  XXXX Balance : {$390000.00}.
Consumer complaint received 2024-03-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I was arrested bye the police ... after my arrest someone took my personal belongings including my wallet and debit card. Unfortunately I was sent to prison for three years ... During this time my card was being used for multiple purchases and withdrawals.. I did not authorize these transactions and I had no clue where or who had my card ... After my release I looked at the transactions and seen my account was drained. I notified police and they suggested I notify the bank no report could be filed because it was two years prior ... the total unauthorized transactions were about {$13000.00} claims dept denied me twice.. I provided supporting document of my arrest and the release date if my incarceration. I am a legitimate victim and bank of America has added insult to injury... I was incarcerated between XX/XX/XXXX and released XX/XX/XXXX please help me recovery funds
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of 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 if the person knows or has reasonable cause to believe that the information is inaccurate.