davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I opened my mortgage with MB Financial, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 Fifth Third Bank bought the mortgages from MB financial. and started to return my payments after a while i realized what is happing that fifth third bank is not accepting my payments. so i got in contact with fifth third bank and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from fifth third bank that its not legal to not notify me that they will not accept this kind of payments i was used to make to MB financial, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of fifth third bank assured me he will take care of it and make sure fifth third bank is reaching out to all 3 credit bureaus to remove the negative marks, till today fifth third bank didn't reach out to the report companies to remove the lates.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 i sent a letter regarding inaccurate, unauthorized, and things unknown on my credit report. It has been over 30 days and i have not received a response yet. I sent a second letter on XX/XX/2021 and still havent received a response. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it s plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I demand the accounts be deleted immediately or i will file for litigation due to the stress you abused me. My information was impacted by Equifax data breach, and a XXXX XXXX data breach.
Consumer complaint received 2021-09-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts are not mine. I do not recognize them and I am victim of identity theft. Please take a look at these accounts below and make investigation someone stole my personal data After investigation please delete these accounts from my personal credit profile XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co - XXXX Please help me and remove them
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

lost cr card agent did not ask info to replace it, wanted to do a pymt as the automated system does not do a pymt w/o acct info. agent could not take a pymt over the phone Want late fees to refunded, and replacement card sent.
Consumer complaint received 2024-03-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: RSVP Lending, LLC dba RSVP Loans (WI)

I updated my banking information with the company on XX/XX/2024. However, they continued to pull payments from my old account. I emailed their support team about this because it caused the account to be overdrawn. The old account was closed, yet they are still trying to pull from the old account. They continue to text me saying I am late on payments but I have emailed them multiple times showing them a screenshot where my account on their site has the correct information. I even included a voided check, yet they continue to ignore this.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b : 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 XXXXXX/XX/XXXX. You have noe sent me any document supporting your claims that the disputed items belong to me. The disputed items shold have been removed if you are unable to prove that the disputed items are mine. Kindly comply with the Federal law and have the disputed items removed as soon as possible.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been working diligently for a number of years to improve my credit rating. We recently purchased a property. The credit check was run by the insurance carrier. I was surprised by the comments on our notice from the Insurance Carrier so I sent for my report. Under " Adverse Accounts '' late payments that are more than 7 years old continue to appear. I would like these removed as I believe they negatively impact our credit score as well as the interest rates being offered to us by Credit Card companies.
Consumer complaint received 2024-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: OPORTUN FINANCIAL CORPORATION (NE)

Oportun recently announced they are closing and liquidating their investment accounts. On XX/XX/XXXX, my account was forcibly liquidated and a withdrawal of {$10000.00} was initiated. After about a week I reached out via email to ask how much longer it will be until the funds are deposited into my bank account. They said it takes 3-5 business days. It is now 7 business days and the withdrawal is still showing as " pending '' and customer service has been unable to tell me when exactly I will receive my funds.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Esusu, Inc. (TX)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and Equifax and Experian are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (NY)

I am unaware of this debt, {$800.00} opened XX/XX/XXXX, balance updated XX/XX/XXXX. 
I didn't have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I have received proper notification please provide the certified mail with a receipt of my signature on there.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CT)

I bought an international ticket where united airlines offers free checked in baggage already. United explorer card from Chase offers free first checked baggage listed in their terms of agreement. However this is false advertising as this no longer is a benefit claimed on the card when the cost of the ticket should cover the baggage checked already. This is a clear case deceptive advertising to the consumer and now I  would have to pay them {$100.00} for added baggage when I thought they would offer up an added luggage.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (TX)

I received 3 promotions so far i only got paid for one of them. 
# 1 : started XX/XX/XXXX and ends XX/XX/XXXX earn a {$25.00} statement credit with XXXX if i make 3 purchases of {$25.00} or more which i did. 
# 2 started XX/XX/XXXX and ends XX/XX/XXXX Shop XXXX and earn a special offer also spend {$25.00} or more on three different purchases which i also did. 
# 3 We 'll Pay You {$10.00}. Just for Paying with XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX which i also paid on XX/XX/XXXX through XXXX and the amount was XXXX. 

so far i only got {$25.00} and after i contacted them they send a paper by mail saying that they already credited XXXX before and thats it .. the issue is resolved. Whenever i try to contact them i have to waste an hour or two of my life to contact them. I am really bored of this strategy and if you can help i would really appreciate it. 
I do n't care as much about the money as i care about the whole lies about their promotion! 

I have attached proofs of my claims 11 pictures of the emails i received and other documents
Consumer complaint received 2022-10-25
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: HCFS Healthcare Financial Services of TeamHealth (OH)

In Accordance with the fair credit reporting act XXXX account number has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-09-20
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. (NC)

On XX/XX/2021 I received 3 letters that stated on each one that a previously disputed item that had been removed from my Equifax credit file was being re-instated and in each case on the same date the underlying company had submitted 'a certification that is complete and accurate. I very much doubt on the very same day, 3 different companies sent in certified documents stating the account was accurate and needed to be re-instated. It is more likely the case, Equifax has lied about receiving such documents and the software decided to re-instate previously deleted accounts that were deleted at the time for a particular valid and legitimate reason. This action seems arbitrary and against many of the statutes of the FCRA and possibly other federal laws that may even be unlawful. Millions of customers are affected by the breach, as I was one of them, and now a loan I was working on needed a score of about XXXX and therefore I was approved but the day of the signing it had fallen XXXX points in one day due to this misuse of power, and summarily denied due to no action on my part. Equifax needs to have a large fine levied against them for placing false information on purpose into a customer 's file.
Consumer complaint received 2017-09-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (AK)

This is my second complaint for Navient regarding student loans. In my previous complaint, I asked for documentation showing that Navient owned my student loans. Navient responded with the attached documents. Their response, however, did not include ANY proof of ownership for the following loans that I am currently paying : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
Consumer complaint received 2020-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

My mother XXXX XXXX made me an authorized user on a Barclays Banks Account on XX/XX/XXXX. It clearly states on the account and on their website that I am an authorized user not a joint applicant and am not financially responsible for any debt incurred on the account. ( See attached screenshot of their website ). On XX/XX/XXXX I sent a certified letter to Barclays with the attached documentation and I have made numerous calls with no response. 

I never entered into a contract with Barclays or gave them any information to become a joint applicant on this account. In XXXX, when I was added as an authorized user, I was a college student with no income. 

My credit score was XXXX and dropped to XXXX because of their mistake. I had a credit card cancel my account and I currently can not get a loan for the new car that I need for my employment. Their mistake has caused me financial harm. I have a clean credit history an no other delinquencies on my account.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, XXXX claimed to have no record of me having a credit card ( XXXX to boost credit ), XXXX had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since equifax went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..transunion had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

There are XXXX derogatory marks on my credit report are wrong ; stating when the accounts were opened : XXXX reports on XX/XX/XXXX from Capital One, XXXX report on XX/XX/XXXX from Capital One, and XXXX report on XX/XX/XXXX from XXXX  XXXX. I have not opened a credit account with anyone since XXXX
Consumer complaint received 2020-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I was XXXX with XXXX on XX/XX/XXXX. I was in quarantine and I lose my job for three months. After I start working part time job. I can't pay my mortgage for : XXXX, XXXX, XXXX, XXXX and XXXX of 2020 I was enrolled in Covid -19 Payment Relief Program. 

On XX/XX/XXXX of 2020 Select Portfolio Servicing Inc. offer me a Trial modification Plan. was all payments successfully made. 
On XX/XX/XXXX they asking me for Flood coverage insurance Policy I summeted to them same thay. I called them next day to make sure if they received and they said yes we got it. Just wait we will call you if we need any additional information. 
I called back on XX/XX/XXXX and they said .... You need to summite to us a proof of your Flood Insurance Coverage. I faxed to them same day. I call back in couple days to make sure how is going my modification. They said everything is ok, we will call you. 

I call back on XX/XX/2020 they told me This case is CLOSED because you never submitted a proof of Flood Insurance Policy AFTER that they said the Insurance Coverage is not enough. My insurance agent called them and they see the coverage is enough is greater than loan amount. The mortgage Company told me they will review. 
On XX/XX/2020 I called them and they said this case is close. This company give me a hard time and I don't know what to do now. They denied my modification before I start. They have a plan to follow up and do your dirty business. Every time I call they have different stories. They are not transparent.
Consumer complaint received 2021-01-23
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. (FL)

the INFORMATION ON THE CREDIT REPORT IS NOT CORRECT AND I HAVE SUBMITTED MY COMPLAINT AND GIVEN THE COMPANIES ALL THE INFORMATION THEY NEED AND NEED MY REPORT CORRECTED. 


I HAVE PROVIDED MY ID I HAVE PROVIDE MY SOCIAL THEY HAVE MY ADDRESS THEY HAVE MY BIRTHDAY I JUST WANT MY CREDIT REPORT CORRECTED AND THE ITEMS REMOVED. PLEASE AND THANKS
Consumer complaint received 2023-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (MD)

I XXXX : XXXX XXXX XXXX agent to principal. Surety reserving all rights and securities and interest due to the principal claiming Equitable subrogation. Had Multiple times I have reached out for VERIFICATION OF DEBT not validation I have not received NOT ONE true bill, contract with debtor and creditor signatures, or copy of the records used to verify these debts the 3 times I have disputing them. I have the documents unfortunately files are too large but to complete a total of 90 days 60 days passed the lawful timeframe! Matter fact one of the debts are in litigation! And ones a hospital bill in order to have a true bill which is itemized and that would breach multiple laws and codes, that means they have accessed my private information! WhICH I recall SHOULD NOT BE FURNISHED BY LAW! 15 usc 1681 pursuant 16 CFR 313.4 right to privacy XXXX XXXX XXXXXXXX has broken HIPAA laws and gram leech BLILEY ACT! I require compensation for the constant defamation of character, furnishing incorrect debts, stress and pain 15 usc 1682. One of them WHICH IS A RENT debt, I'm still in litigation and I DEMAND IT REMOVED FROM MY REPORT IT IS AN OPEN CASE! The other is a hospital bill in litigation due to a car accident and my attorney has contacted XXXX XXXX XXXX  more than once might I add. I have not received a true bill, or original contract or notice giving my explicit consent to furnish my private information on MY CREDIT REPORT! THIS IS THE XXXXRD TIME I HAVE DISPUTED AND EXPERIAN IS NOT ACTING IN GOOD FAITH PURSUANT TO UCC! I demand Experian perform with compensation for effecting my credit score negatively and report derogatorily allowing those fraudulent furnishments by deletions, and monetary compensation. I have sent XXXX XXXX XXXX a Cease and Desist a Proof of Claim, Default and opportunity to cure. It would be much obliged to follow the FEDERAL guidelines 21 CFR 21.72 Right to privacy and disclosures. I have not given XXXX XXXX XXXX consent to furnish debt on my credit report nor have I a contract with them. UCC 1-308 ALL RIGHTS RESERVED Without prejudice
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

I am filing this complaint on behalf of XXXX XXXX XXXX XXXX A Limited Power of Attorney designating me as his representative is attached. My client 's father, XXXX XXXX XXXX XXXX fraudulently opened multiple credit card accounts in my client 's name, XXXX of which was with XXXX XXXX. On my client 's behalf I disputed this account with XXXX XXXX and requested they initiate a fraud investigation. In the midst of this, XXXX XXXX sold the account to a debt collection agency, Midland Credit XXXX. XXXX subsequently reported this account to my client 's credit file and, despite multiple disputes on the basis of identity theft, has refused to delete the account. To credit report and attempt to collect on an illegitimate debt which resulted from identity theft is a classic example of " fruit of the poisoned tree ''.