davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Dear Madam/Sir, Thank you! 

I have a mortgage in FIFTH THIRD BANK ( www.53.com ), the mortgage loan account is XXXX. 
I already paid the full mortgage on XX/XX/XXXX, but the FIFTH THIRD BANK don't report the title company. So I get a lien on my house title, I cant trade normally, its very urgent. 

On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, just ask for a paid in full letter mail and fax to me. The agent of the FIFTH THIRD BANK said they will mail and fax me two busniess days, but they did not.

After two busniess days, on XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website again, they also said they will mail and fax me two busniess days, but they still did not. 

On XX/XX/XXXX, I contact the FIFTH THIRD BANK with the chat on their website, The agent of the FIFTH THIRD BANK said they will mail and fax me one busniess day, but they still did not.

How can I get my paid in full letter?
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2022-01-07
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. (FL)

My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, Experian, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on Experian it also shows me being late in XXXX on XXXX and XXXX on Experian. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

In late XXXX I set up a Personal PayPal account in order to sell some of my personal items online. I have had a business account with them for many years and have done hundreds of thousands of dollars on that account with no issues. I have had 3 small transactions ( all under {$20.00} ) and they have immediatly held my funds on each with numerious reasons given. I have called 5 times and finally got the first two released. Now I just got another held even though PayPal sent me two different emails saying that " Congratulations! You are now an estabilished Seller. '' Were happy to let you know that you are now an established seller with us. Payments you receive from today onwards will usually be instantly available to you, and money currently in your pending balance should be available within 21 days of the transaction date. '' It seems so wrong for them to hold my money. They have my credit card on file, They have my Bank Account Information on File, They have my outstanding and long standing business information on file, I immediatly ship and furnish them tracking numbers and yet this is how they treat me. This is exactly how XXXX companies work. Raising Fees ( They just took a huge fee increase ), Holding Funds, and making it difficult for people to get their money. Great way to make your numbers look good to the stock market? I DO NOT have issues like this with my long standing business account but with all the information they have there is now reason I see that they can justify holding my funds.
Consumer complaint received 2022-01-07
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: ASG Solutions LLC (TX)

I was called by an unknown number and they left a voicemail from a XXXX XXXX. ( Sidenote a quick XXXX search of XXXX. XXXX XXXX XXXX ' will shed some light into this matter ) The voicemail reads as follows, " Hello XXXX XXXX this is XXXX XXXX with XXXX XXXX I previously left you a message notifying you of a civil claim today is XXXX, XX/XX/XXXX. It is in your best interest for either you or your attorney to contact us no later than the close of business if you wish to put a stop order on any legal action being taken pertaining to the XXXX XXXX XXXX XXXX XXXX. The number is XXXX when calling in XXXX refer to case number XXXX you have been notified the day and good luck '' I was NEVER left a message by this man or anyone at this company. The first time I hear from them I'm being threatened to be sued? The " good luck '' part at the end is what extremely angers me. To try to intimidate me into paying today so I won't have civil suits against me. So I did a quick google search and saw a large number of people referring to this man and company by name as a debt extortion scam. I called him back and let him know that I need information on this account and to call me back ASAP. Today is not the day to call and threaten my freedom and I will do everything in my power, if this man and company is indeed a scam, to bring light to this unbelievable tactics of trying to force someone's hand to pay. Whether it is a scam or not, no consumer should have to be in fear of legal action from one phone call you can't even get a response from. Please let me know if there's anymore information I need to submit. I have the voicemail saved and would be happy to send it. Thank you very much.
Consumer complaint received 2022-01-07
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$540.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (FL)

Checked my credit report. I dont owe XXXX XXXX XXXX . Never been to XXXX, Fl. This is identify theft. Someone use my personal information to get health care
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  Account Number : XXXX XXXX  XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-12-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

I, XXXX XXXX, give authorization for CREDIT COLLECTION SERVICES to move forward with this complaint. 

THE COMPANY " Credit Collection Service '' HAS MAILED CORRESPONDENCE IN THE STATING I OWE THEM IN THE MAIL AN ALLEGED WITH Credit Collection Service. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. Credit Collection Service HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: TD BANK US HOLDING COMPANY (DC)

I opened a Target REDcard managed by TD Bank in XX/XX/XXXX. This week ( the week of XX/XX/XXXX ) they closed my account due to 18 months of inactivity. I called, and they refused to re-instate the account. However, I reviewed my Account Agreement, and there is no language regarding inactivity in the Agreement. TD Bank should be required to re-instate my account because of the language in the contract that they themselves wrote.
Consumer complaint received 2021-12-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. CAPITAL ONE BANK USA N is reporting late as reported in XXXX and XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( CAPITAL ONE BANK USA N XXXX )
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — Store credit 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 (VA)

I had a Lowe 's credit card through Synchrony Bank. In XXXX, there were charges that were made on my Lowe 's card, totaling approximately {$3800.00} that I did not authorize and was not aware of. I had contacted Synchrony Bank several times on the issue and they stated that they would investigate the charges. They provided me with details on the charges, stating that the charges were placed using a register printed temporary card, that the purchases were for Debit Gift Cards, and that the charges were done at different Lowe 's stores on each occasion. In XXXX, after months of being told that " they were looking into the charges '', I stopped paying on the account as I had now started to accrue massive amounts of interest on the account from the fraudulent charges that I had been disputing. Synchrony Bank later charged off the account, while it was still in dispute. Attempts to contact Synchrony Bank after they charged the account off and sold the account led to being directed to two different debt collection agencies, both of which redirected me back to Synchrony Bank with attempts to deal with the fraudulent charges that took place.
Consumer complaint received 2021-12-23
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. (CO)

I have attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after XXXX years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c The date listed on the court document states initial filing date of XX/XX/2011 case # XXXX I have requested this to be removed, providing all documentation 3 separate occasions and they still have not removed it.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, 2021 I sent my initial request to investigate accounts and personal information reported on my credit. I also have sent a follow up letter on XXXX XXXX 2021 and again yesterday. I still have no response and or updates on any of the accounts being disputed. Please help me get these companies to report ONLY accurate and verified information on my credit report.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Neon Newco Corporation (LA)

I have had a XXXX  account since XX/XX/2019. I don't use the account much. I have had my purse and phone w I'd and cards stolen 2 times this year I have not had but a small amount of $ deposited into this account I finally was able to download some of the statements. They do not coincide w my memories and records.i also have a PayPal account that I haven't used in ove s year they are holding my $ for 180 then said they would email me with instructions on how to get it back. I haven't recieved any unemployment stimulus or aid. Please help.
Consumer complaint received 2021-12-23
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: JPMORGAN CHASE & CO. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I have been patiently waiting on JPMCB CARD 's response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( JPMCB CARD XXXX, JPMCB CARD XXXX )
Consumer complaint received 2021-12-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (WA)

Guaranteed Rate mortgage has three month in a row said they did not get my payment on time. The first time XXXX was resolved quickly. XXXX check was cashed but them they said it was not received. I sent them a copy of the cashier check ( at my cost ) but it is still not cleared. I paid the next payment by US mail and they say they did not get it and I am in default. I am being charger late fees and I believe they are trying to put me in default because I put XXXX down on the house and that would be profit if they default my loan. This company has been difficulty from the start of the loan process and I am concern this is a standard business practice for them. I have spent 25 hour trying to resolve this between my credit union and call to them.
Consumer complaint received 2021-12-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-08-23
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)

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report. 
Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2018 Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Consumer complaint received 2021-12-22
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: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I applied for a Amazon card through Chase bank. I recieved a call from letter from chase letting me know I had a freeze on my account and had to remove it before I could have my credit checked. My credit was unfrozen checked and a few days later Chase called me and verified the account and approved me over the phone for a XXXX signature card and sent me the email while we were on the phone together. I was suppose to recieve a XXXX credit to my Amazon account and be able to add the card to my amazon account to begain shopping. None of the links in the email worked so I had to call customer service and get her to take a look at things and she rushed the card out to me one day mail so I could make an order for XXXX. I made my order and all was well except 2 days letter if that the order was declined and my account was closed and still I have no idea why. To add insult to injury my credit score was pulled several times by chase and after holding hours at a time to talk to someone about what happened the last representative said they have no idea why it was closed and had no information they could give me. Today I recieved a letter saying they were so sorry about what happened with my XXXX Amazon card and it had been issued to my amazon account and there is nothing there either
Consumer complaint received 2021-12-16
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: BARCLAYS BANK DELAWARE (FL)

There are XXXX credits that were submitted by a vendor : ( XXXX XXXX XXXX ) The credit has not appeared on my statements nor has anyone at Barclays apparently done anything to resolve the issue. XXXX credit for {$250.00} was issued by XXXX on XX/XX/XXXX The other credit {$500.00} was issued by XXXX on XX/XX/XXXX
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

In XX/XX/2021. We removed our Credit Freeze to use our Credit. We required a Loan to Buy a replacement Car. 
We were turned down by some Lending Institutions. We did secure a Bank Loan and make a purchase. My Wife received notifications from Credit Reporting Agencies. One Agency saw fit to send my Report to MY DEAD FATHER. OR was it my REPORT? Whodunnit : equaf.. in GA AGAIN. I've been Victim of Identity Theft. This has to stop. It is required by Law we get these notifications when our Credit is declined and by whom. They have XXXX  this AGAIN. Collecting and dispersing my DEAD Father 's Data as mine AGAIN. I've called many times since. Promises, promises ... The Ball is in your COURT. XXXX