davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
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: Resurgent Capital Services L.P. (PA)

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 U.S.C1681 Account with XXXX XXXX XXXX Account with XXXX XXXX XXXX  15 u.s.c 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602A section 2 it Also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more
Consumer complaint received 2021-04-15
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. (PA)

XXXX XXXX XXXX XXXX Originally : XXXX XXXX BY XXXX XX/XX/XXXX XX/XX/XXXX {$4800.00} I have reported to this company that this account is fraudulent and affecting my credit and they will not remove. My child has XXXX and tried to lease a home close to services and was denied because of this.
Consumer complaint received 2021-05-08
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: Experian Information Solutions Inc. (TX)

My ssn was stolen a few years back and I have had random accounts like XXXX. XXXX pop up over the years which Experian and the other bureaus should clearly be able to see on my account! It is unacceptable that Experian verified their claim as accurate and selected their own description of no payment due to COVID19 when that is absolutely false! The only utility services I have are with XXXX  since XX/XX/2020 and the first utility services I have gotten in over 4 years! There is nothing I can do about someone who has my information committing fraud, but when I pay for services to keep my credit file locked and monitored at all times and notify bureaus of fraudulent activity it is absolutely unacceptable to falsely claim things that are untrue! I want this fixed ASAP or I will be notifying my lawyer of this lie someone in Experian approved and taking next steps to make sure all involved are held accountable!
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Hello, I booked a place with XXXX XXXX  from XXXX XXXX, 2020 with confirmation code of XXXX ( address of the house : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Before heading out to the rented house, I contacted the host to make sure that she had A/C as government just issued an Excessive Heat Warning. XXXX, the host, said that they did not have a/c. I asked if we can come another week, any other time and she said no, citing her cancellation policy. She suggested that I cancel the trip by myself, and if somebody re-books it for the days I made a reservation for, she will reimburse me. I cancelled the reservation per her suggestion. 

Another family booked the place for 3 nights, and when I asked XXXX to reimburse me the full amount booked for 3 nights by another family, she said she is withdrawing her offer and NO REIMBURSEMENT WILL BE MADE. 

It is unethical to be charging 2 families for the same time period and making money off of both families while host 's house does NOT meet physical needs of the guests during a EXCESSIVE HEAT WAVE WARNING. 

If I pay XXXX $ dollars - I expect livable, comfortable accommodations, not a heat XXXX with no a/c for 7 days, and I was deeply disappointed that XXXX XXXX sided with this unethical host. 
Please, review this. 
Thank you
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (FL)

Ive been a loyal chime customer for quite some time but recently they sent me a two day notice that they would be closing my account. Now theyre has been no fraud in my account of any sort, my sister died a few days ago and I need my account but instead they are closing my account. When emailing and calling Chime no one could give me any reason on why my account is suddenly being closed which is ridiculous. I mean literally the support person told me for security reasons she couldnt tell me why my account was being closed but yet my account is being closed. Chime is a joke, please dont bank with them. I hear they are randomly closing a lot of accounts and oh its system generated so you have absolutely no control on trying to get it to stay.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One Bank sent a bonus incentive email to open a checking account and deposit {$2000.00}. I called and consulted with a banking representative on how to execute the account opening and receive a {$400.00} bonus. Based on the reps instructions I opened an account and deposited the money. I did not receive the bonus because Capital One says because I initiated the transfer from their website rather than an outside institution the offer is null. 
This seems like a similar deceptive practice to XXXX XXXX in order to get new accounts open to drive up stock price. 
I have filed a complaint with Capital One banking however they wait for resolution is 30 days. 
I opened the account as a test. I was considering using this account regularly however because I feel I did not receive what Capital One advertised I will not want to continue the banking relationship.
Consumer complaint received 2024-03-26
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. (CT)

I am writing to express my concerns regarding the information on my credit report, which I thoroughly investigated and found to be unverifiable, invalidated, inaccurate, and questionable. This situation has led to XXXX  XXXX, as your agency did not ensure the 100 % accuracy of the reported items, as required by 15 U.S. Code 1681e ( b ) ( b ) - Compliance procedures for maximum possible accuracy. 
XXXX. This late payment status is irrelevant XXXX XXXX XXXXXXXX Account Number : XXXX The late payment in the past was settled. I'm currently on time with my payments. Please update this account immediately According to the aforementioned code, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information related to the individual when preparing a consumer report. Unfortunately, the items on my report do not meet this standard. 
Referring to 15 U.S. Code 1681i ( 5 ) - Update of Inaccurate/Invalidated Credit Information , if, after any reinvestigation, the consumer reporting agency finds disputed information to be inaccurate, incomplete, or unverifiable, it is mandated to promptly update or modify that information based on the reinvestigation results. Additionally, the agency must promptly notify the furnisher of the information about any modifications made on the consumer 's file. 
If you are unable to provide verifiable proof within 15 days after your investigation, I request that you update the account and/or information on my credit report. 
Thank you for reading my concerns have a great day ahead to all Sincerely, XXXX XXXX
Consumer complaint received 2021-05-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I emailed Shellpoint Mortgage Servicing/New Rez LLC of outstanding property tax bills I received that were due in XXXX. This was for the loan portfolio XXXX XXXX, XXXX. This email went to the loan servicing email which they recommend using as well as my assigned contact XXXX XXXX, and XXXX XXXX a supervisor who has helped me in the past with other issues I have had. 

On XX/XX/XXXX I emailed the same people as well as managers, XXXX XXXX and XXXX XXXX to notify them of property tax bills that were imminently due. I also emailed XXXX XXXX and XXXX XXXX, my contacts at XXXX XXXX XXXX who hold the loan and are responsible for transferring the servicing of my loans ( even though everything was perfectly fine with XXXX ) regarding my concerns. To give a little background, I have had a number of issues since Shellpoint took over the servicing of my loans last year and have been emailing them for continued assistance as you will see in the email chain I have attached. 
Communications regarding these outstanding property taxes have been ongoing with all parties since XX/XX/XXXX when the last email I received stated the issue was being escalated. Needless to say, nothing was done and I received a " Statement of Delinquent Taxes '' this week for two of my properties ( attached ) which now includes hundreds of dollars in late fees. I have also not received refunds for the late fees they paid out of my escrow account for other property tax bills they paid late. I can't imagine this is legal! 
This whole process has been very stressful for me and I need a resolution to ensure this will not be an ongoing problem. I can not keep spending my time trying to get Shellpoint to do their job.
Consumer complaint received 2023-05-03
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. (PA)

Fruad Accounts And Inquiries on Credit Report. 

XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$19000.00} XXXX. XXXX XXXX XXXX XXXX {$5200.00} XXXX. XXXX XXXX XXXX {$720.00} XXXX. XXXX XXXX XXXX {$1900.00} Inquiries XXXX. XXXX XXXXXXXX XXXX, XXXX. XXXX
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

A PayPal credit card was opening in my name : account # XXXXXXXX XXXX XXXXXXXX XXXX. Everything was correct for my info except them using my maiden name ( XXXX ) instead of XXXX. They used an email address that isn't mine either XXXX They charged XXXX in fees as well.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (NJ)

Paypal Credit is the credit card/creditor I am having problems with. Started with summer of XXXX I noticed there were several purchases from XXXX made using my Paypal account. I had been paying through my direct deposit never looking at credit card statements because they make finding these statements so hard electeonically so I was always too busy to look. One day in XXXX & XXXX I called Paypal stating someone in XXXX charging items to my account and it wasnt me and I was a victim of fraud. Paypal investigaged and on XX/XX/XXXX I was reimbursed {$710.00} via check from Paypal of previous payments I sent in excess of my account balance charged by me. I did not make any other purchases and wanted to close the acct however I heard if you close an account it reflects negatively. Fast forward to XX/XX/XXXX when Paypal took {$250.00} out of my checking acct ( previously set up auto withdrawal of minimal payment..I had no balance on acct and hadnt bought anything and thus contacted Paypal to reimburse the money ( {$250.00} ) they erroneously took from me without me owing anything due to not charging anything. I have contacted Paypal since XXXX with a runaround, bouncing Frim fraud to customer service. They would tell me a complaint was filed and someone would get back to me but never did and would " drop my calls '' and no one would call me back and kept sending me past due balances. I asked to see charges a nd tell them to send these statements and never would. I also would look them up on line and two months were " missing '' and was unable to see becsuse I wanted the customee service rep to go over these charges and thats when phone call was dropped and then the last couple of months I am unable to access my account at all and no one has contacted me other than to tell me to pay {$620.00}. In fact when I could see my account they also had a balance on the regular Paypal side ( the side you can pay people and certain online merchants ) I have not used this either. And yes I tried to solution but no one will help and no one will call me and now I am locked out of my acct.. I do not owe anything and in fact Paypal credit owes me {$250.00} Of note is company never sent me a physical credit card either
Consumer complaint received 2022-11-02
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. (AZ)

I tried to dispute several accounts on my file 2 months ago and I did not get proper information and explanation back from the credit bureau. I have wrong previous addresses, several accounts that are not supposed to be late on or charged off and in collections. I am also requesting to Validate several accounts listed in the very detailed letter of explanation enclosed. So please see letter and don't ask for more information as this request is very detailed and complete. You-Equifax are not compliant because of the lack of detailed response my previous dispute asked for and should now delete all information I am disputing because of your failure to be compliant and follow the law. I will pursue litigation if you fail to delete this information outlined in the letter enclosed.
Consumer complaint received 2022-11-02
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. (NY)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am not liable for any debt with XXXX XXXX XXXX, and XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, Resultingin the Deletion of these items from my credit file. I am attaching a notice of deletion from XXXX for each. After asking for a freeze on Equifax I woke up looked at my file and I see addresses that are NOT mine that have appeared on my file this is illegal.
Consumer complaint received 2021-05-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

On XXXX XXXX we bought a used XXXX XXXX XXXX from a local dealership. They ran our credit application and financed us through Fifth Third Bank. We were told that we would recieve a welcome packet and payment booklet in the mail within the coming weeks. Towards the end of XX/XX/2021, we had not recieved anything. According to our loan documents, we recieved from the dealership, our loan would be due on XXXX XXXX. Towards the end of XX/XX/2021 we starting the long process of trying to figure out what was going on with our loan. After days and hours on the phone with Fifth Third bank we were able to find out that our loan was funded and booked on XXXX XXXX. The underwritting department at Fifth Third Bank could acess our loan and information. However, the payments/customer service side could not. Resulting in us not recieving any information about our loan or a way to make a payment. Each department kept transfering us back and forth with no way to resolve the issue. They did not understand how this happen and noone could fix it. We have called just about every day this month to see if their system has been fixed and our loan updated to the right departments. It has not. We contacted the XXXX  on Thursday, XX/XX/2021. XXXX XXXX reached out to us, but they never called back like they agreed upon. Our loan is coming up due within a few days and we have no way to give our payment to Fifth Third Bank. We have spent hours of our personal time trying to understand and fix their promblem. Yet, we can not fix whatever is wrong in their system and they seem unwilling to do it themselves. Please reach out to us as we are very XXXX about this matter. I have uploaded the loan document given to us by the dealership as well. XXXX for your time, 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. (MA)

Equifax allowed my credit information and report to be accessed by unauthorized parties via a loophole in the computer code, enabling the system to be hacked. Furthermore, they are only offering 1 year of free credit monitoring ( using their own company, mind you ), giving the hackers only a year before they can jump in and use my information. This is incredibly unsettling as I had no choice in Equifax actually having my credit report and now I can not trust anyone with my personal information. I wo n't even talk about how it took over a month for this breach to be released to the public and I also wo n't mention how some executives sold a lot of stock worth millions between the breach and the release of the information to the press. Interesting.
Consumer complaint received 2022-11-02
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. (SC)

XXXX XXXX XXXX Acct # XXXX whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$7400.00} Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} Account Name : XXXX  Account : XXXX PAST DUE BALANCE : {$1100.00} This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards. 

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with by certified mail. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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. (SC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Ive reached out in writing requesting debt validation from Equifax, XXXX and XXXX. 

All agencies are posting inaccurate information on my credit reports. 

XXXX XXXX XXXX. has two accounts on my report. I have never done business nor am I in any contract with this company. 

XXXX isnt my account. They arent my carrier. 
In addition I have 12 inquiries on my reports, and Ive not given any company or agency permission to pull my credit. 

Ive requested that the agencies comply to the FCRA and remove this derogatory information and hard inquiries immediately.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (OK)

I had an account with Simple, which was recently closed and merged with XXXX. The merge happened yesterday XXXX Saturday XXXX ) and since then XXXX today is XXXX ), for two days now, I have been locked out of my checking and savings account completely, with no access to my money, and no way to check balance, make or receive payments, etc. I have followed the instructions on the website pertaining to creating a XXXX account online, which resulted in my being locked out of my account. After calling the customer service number, the customer service representative immediately hung up on me. My husband, who shared a joint account with me, called multiple times and was hung up on each time ; several times the customer service representative claimed not to hear him before hanging up. XXXX announced that they were opening customer service lines today ( XXXX ) to account for all of the Simple customers who are not able to access their accounts or get the help they need to do so, but neither I, my husband, or anyone else I know of has been able to get real help. We have no way to access our money, and no means of doing so. This is unacceptable.