davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
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: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/2020, I received an unauthorized charge on my XXXX credit card. I immediately contacted XXXX bank and cancelled my card and ordered a new one. 5/3 credited the unauthorized charge of {$99.00}. 
On XX/XX/2020, I received a notification that their investigation team found the charge to be legitimate. The information they received consisted of a fake business name, fake business phone number with an area code that does not exist, a fake business Email address that is from a known spam Email server ( yeah.net ) from which major Email accounts such as XXXX, XXXX, and XXXX will not accept Email. They also received a screen shot of a XXXX tracking confirmation order that did not contain my name or address. This information was received from XXXX XXXX, the location from which I supposedly authorized the transaction. 
Had 5/3 done some actual investigation, they would have found the business name, business Email, and business phone number were all fakes. 5/3 made zero attempts to contact the business that was the supposed seller. If 5/3 would have contacted XXXX directly and inquired about the transaction number on the XXXX screenshot they received, they would have discovered the transaction number is connected to a purchase and delivery of an item, not from Pay Pal, but from XXXX, by a Mr. XXXX XXXX. 
I have been continually harassed and bullied by 5/3 to pay for this transaction I have nothing to do with. This transaction was conducted by a Mr. XXXX XXXX. I have more than six credit cards. I have zero balances on any of them, except for this one single unauthorized transaction on this now closed by my request 5/3 credit card.

I have had delinquent account reports sent to all three credit bureaus over this unauthorized transaction. I have late fees and interest charges placed on this card every month. 5/3 has broken their contract by sending information to the credit bureau while ongoing investigations were taking place. They went against FTC guidelines by not completing the investigation in 90 days. They have gone against Mastercards 100 % buyers protection policy by refusing to credit this fraudulent transaction. 
I have supplied them with definitive evidence that the tracking number they present as proof of my receipt of an item has nothing to do with me. I have supplied them with proof of the supposed seller being fake and have sworn to them I have never communicated with the supposed seller one time, let alone authorized the use of my card. They refuse to communicate with me regarding the authentic documents I have provided them.
Consumer complaint received 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

I have refinanced my primary residence two months ago as the lender XXXX Ally home loans ) selected an insurance company for the loan. After loan is approved and I already made 2 payments, I received a letter from XXXX XXXX XXXX stating that I have insufficient insurance coverage ( which my lender themselves selected for me ). 
My current mortgage includes insurance and property tax, thus I do not know why they made a mistake selecting insufficient coverage of insurance in the firat place to make the loan look attractive to me to obtain. 
Now after 2 months, the lender sending me a letter, demanding me to ask the insurance company XXXX still I do not know who they are XXXX to provide explanations of insurance coverage! 

This is a bad business practice for any lender XXXX ally bank XXXX to have a certain amount in paperwork as an insurance payment, which later when they sold the loan to some other lender XXXX XXXX? ) and the current lender is after me to proof that I have sufficient coverage? 

This is a 30 year fixed loan. Can you help me resolve this issue please?
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (TX)

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, XXXXXXXX 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 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

ONCE AGAIN, US Bank applied funds CLEARLY marked " PRINCIPAL ONLY '' to my loan interest. This is fraudulent. I have contacted them, and the CFPB on multiple occasions to rectify this issue. US Bank claims the issue is fixed, and it is not. They tell me I HAVE to use their online payment system to may a principal-only payment, which is fraudulent. They have rigged their online system to prevent easy principal-only payment, forcing me to send payment outside of their system. This is absolutely ridiculous. They should lose their license.
Consumer complaint received 2017-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I   had a car loan with   XXXX   XXXX   XXXX  , in  XX/XX/XXXX  the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to   XXXX   causing additional fees.   XXXX   received the payment in XX/XX/XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account.
<P/>
For several months a tried to get this resolved, I was told by several customer service reps that   XXXX   does n't mail out payoffs and that 's when i filed a complaint with the better business bureau.
<P/>
 XXXX  poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was reporting 60 to 90 days late,   XXXX   being spiteful replied that the issue is resolved and now changed the account to 90 to 120 days late.
Consumer complaint received 2021-02-04
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: CORELOGIC INC (SC)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, CREDCO add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-10-04
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have mortgage through XXXX. I also have a separate personal loan through XXXX. They were both transferred to Bayview Loan Servicing. During this transfer they listed my other loan as a second  mortgage, which it was not. I had contacted you about this before and the Mortgage was separated from the other loan. Bayview Loan has now become Community Loan Servicing LLC. They also have this separate loan listed as a second mortgage. I need some assistance on this matter.
Consumer complaint received 2020-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

Last year, I was involved in an accident that negatively affected my ability to work and pay my bills. I exhausted my savings making sure I paid all bills on time until my savings ran out. That is when my credit payment history started to go down. I have rebounded and continued my good paying history and was advised to ask my lenders to do a good will removal of the late pays considering my payment history was excellent prior and returned to good standing. Many of my lenders honored my request. However, Fifth Third Bank and XXXX XXXX XXXX XXXX are only two stating the law requires them to reporting accurate information to the credit bureaus. This is true. However, the law also gives lenders the discretion to remove the late pays without prejudice. The couple late pays is not a good indication of my credit worthiness and that is what I have been trying to get them to accept. I had those accounts for over two years and only late 2 times due to the accident which affected my income. I feel the banks are intentionally denying my request so they can charge me higher interest rates and using that part of the law to justify their decision. 

I know the pandemic is going to negatively impact many people credit worthiness so the XXXX scoring model is preparing to implement the " Resilency Index ''. This scoring model will focus more on people payment history and not the late pays that will get reported because of missed payments. Once this model is release my score will increase. However, I feel these two banks are being unreasonable and hiding behind a portion of the law that benefit them. Please help.
Consumer complaint received 2020-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (KY)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX   XXXX Experian XXXX XXXX   XXXX Second Round XXXX   XXXX Experian XXXX XXXX   XXXX
Consumer complaint received 2020-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

Debt recovery solutions is trying to collect on an alleged debt that is past the Texas Statue of Limitations of 4 years. The debt is too old to be harassed for. The date of Service on the letter is XX/XX/2016. I have been receiving harassing calls and voicemails.
Consumer complaint received 2023-07-13
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SS # : XXXX Date of Birth : XX/XX/1983 Dear Sir/Madam, I am writing to dispute the negative items that appear on my credit report from your company. I am emotionally distressed by the presence of these accounts, which have negatively impacted my credit score and have made it difficult for me to obtain credit. 

Firstly, I dispute the charge off account from XXXX  XXXX ( XXXX ) and the late payment account from XXXX  XXXX ( XXXX ). I believe that these accounts were not accurately reported and do not reflect my creditworthiness. Furthermore, I am requesting that these accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Secondly, I dispute the charge off account from XXXX XXXX XXXXXXXX ( XXXX ), the collection account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX ( XXXX ). I am unaware of these accounts and have not received any notification or correspondence regarding them. I am requesting that these accounts be investigated and removed from my credit report if they are found to be inaccurate or fraudulent. 

Thirdly, I dispute the charge off account from XXXX XXXX XXXX ( XXXX ), the late payment account from XXXX XXXX XXXX ), and the charge off account from XXXX ( XXXX ). I believe that these accounts were reported inaccurately and do not reflect my creditworthiness. I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 

Lastly, I dispute the charge off account from XXXX ( XXXX ), the late payment account from XXXX ( XXXX ), the charge off account from XXXX XXXX XXXX ( XXXX ), and the charge off account from XXXX XXXX ( XXXX XXXX. I believe that these accounts were reported inaccurately and I am requesting that these accounts be removed from my credit report in accordance with the FCRA. 



I urge you to investigate these matters thoroughly and respond to me in writing with your findings. I am confident that these disputes can be resolved in a timely and fair manner in accordance with the law. 



Sincerely, XXXX XXXX
Consumer complaint received 2016-06-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (GA)

XXXX has gained access to my credit when I nolonger have account with them in fact my account was sold and has a XXXX bal the account was opened in XXXX and they say it was open in XXXX because the debt was re aged this is no legal you do n't need to take my word for it you can just look at the way it was report on XXXX XXXX bal and closed opned in XXXX orinal date it was past do for the first time XXXX this account is out of date and can nolonger be reported Experian is sharing my information with this company who has no right to my credit file
Consumer complaint received 2023-05-08
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. (FL)

My name is XXXX XXXX and I am writing to file a complaint regarding the method of verification that was used in response to a dispute I submitted to your agency in XX/XX/2023. The dispute was regarding. 

I received a response from your agency on stating that the disputed item ( s ) had been verified as accurate. However, I do not believe that the method of verification used was appropriate or thorough. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureau must conduct a reasonable investigation into any disputed information on a consumer 's credit report. This investigation includes verifying the accuracy of the information with the entity that provided it. 

In this case, I do not believe that a proper investigation was conducted. The verification method used by your agency was not disclosed in the response I received. Additionally, I have reason to believe that the information provided by the furnisher may not be accurate. 

I am therefore requesting that your agency conduct a new investigation into this matter, using a reasonable method of verification as required by the FCRA. I am also requesting that you provide me with a detailed explanation of the method of verification that was used in the initial investigation, as well as any information obtained from the furnisher. 

I understand that the FCRA requires that you complete your investigation within 30 days of receiving my dispute. Therefore, I am giving your agency 15 days from the date of this complaint to respond with the results of your new investigation and a detailed explanation of the previous method of verification used. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I made a payment of {$9600.00} to pay off the full balance of my Citi credit card. I have plenty of money in my Bank Account to cover this. I found out today, XX/XX/XXXX, that Citi has my payment on hold, meaning I can not use my credit card. As this is my only credit card, I am currently unable to make any non-cash purchases. 

I was never notified of the hold at all. In fact, I have a confirmation email from XX/XX/XXXX saying the payment went through and I have a confirmation number. 

Citi is saying that the payment is on hold until XX/XX/XXXX. As I have now used up my credit limit because my payment never went through, I can not use my card. As this is my only card, I can not make any non-cash purchases.
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2020-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account was paid and closed off in the month of XXXX in 2019. 

This is a secured credit card and I paid {$200.00} to open my balance. My balance was only roughly {$160.00} and I put {$200.00}, And the creditor agreed to close my account and pay me my remaining balance out of the XXXX $ after taking the money for the payment Due. 

Instead the company keeps my account open // does not pay me the money and I get 2 late payment. I would like all of this removed off my credit. 


On the comment section it even says closed a creditors grantors request. That was in XXXX. The card was still open for two months after that The company address is XXXX XXXX XXXX XXXX XXXX, SD XXXX
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (VA)

my Best Buy credit card and my XXXX XXXX XXXX were both used in fraudulent transactions. 
The 2 companies have closed the accounts and reopened with new numbers but I have did numerous dispute claims and they will not take care of the charges. when I first reported the incidents to each company, I was told that the charges would be taken care of. then they went back on their word. The universal card, I had been a customer of theirs for over 20 years.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (SC)

I applied for a home depot business credit card on XX/XX/2020, I never received a denial are approval letter. I contacted XXXX XXXX a customer care representative at home depot and XXXX said she would look over my application but I never heard back from her. I was referred to home depot from XXXX XXXX  which is a company that assist businesses with building their business credit. I received a call from XXXX XXXX on are around XX/XX/2020 and they asked me did I reach out to customer service at home depot, I told the associate at XXXX XXXX that I still hadn't heard from home depot. The associate at XXXX XXXX asked me had I received a denial are approval letter I told them no. The XXXX XXXX associate told me to contact them again. I emailed corporate and received an email on XXXX XX/XX/2020 from XXXX XXXX and XXXX said that she had found my account number XXXX she also stated that my email was probably cutoff I dont see how when I have been receiving all other mail. XXXX said the next step was to place my order. But im skeptical about getting credit with home depot because it took them 5 months to approve are disapprove me. I feel as though that I have been discriminated against. It seems to me that's why home depot took so long to grant me credit.
Consumer complaint received 2020-09-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Trident Asset Management, L.L.C. (FL)

I told then I add no idea of the reason why they keep calling me and try the get some more information from them but they keep calling me everyday early in the morning and late night Trident asset management just won't take no for on answer, I ask the representative to stop calling my phone the person then became very nasty and started using very nasty comments at me.