davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

we purchased a home XX/XX/XXXX and was told by 5th3rd Bank officer, once we secured our loan, to let our other home go in to short sale. He said this wont hurt your credit because they are offering federal forgiveness, and it will be fine. Being this came from the bank, we felt pretty good about it and did just that. Now, XX/XX/XXXX we are trying to get a equity line from our current home and 5th3rd stated we do n't qualify because of our credit and due to the short sale. After going round and round with them, their final result was, we cant help you out right now, try back in a couple years. This short sale we were told was ok, has put a damper on our credit and score over the past couple years and it was all due to 5th3rd 's employee assuring us it is ok. My wife and I originally were going to lease the house out until we could sale it for cost. 
I would not recommend doing any banking with 5th3rd at all. everything they have told us has done more harm than anything, and we will be paying for it for several more years..
Consumer complaint received 2015-05-08
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery Associates has filed a suit against me and I ca n't afford a lawyer or to pay back the money I owe to Get XXXX they are threatening me with taking property from that I do n't have they call me XXXX months ago and I told them I will not be able to pay them back and they still threatened me
Consumer complaint received 2017-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Have made several additional payments to the subsidized loan amount and submitted funds according to American Education Services requirements along with a letter stating specifically the amount to be applied to the subsidized loan. Twice now, they have split the amount between the subsidized and subsidized amount and it has taken 2 months to dixe the problem. Now they have done it again, even though I sent them a form letter from their website stating where I wanted the extra funds to be applied. I feel this is predatory practice and I am unable to find any solution to this.
Consumer complaint received 2020-05-27
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 (OR)

Payed my bill in full XX/XX/XXXX and Capital One is charging me a {$35.00} fee for interest for XX/XX/XXXX. I called and talked to a manger and he said they were charging interest on past charges. There were no charges for XX/XX/XXXX through XX/XX/XXXX. To That should not equal {$35.00}. I intend to close my account.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted my inquiry removal letters to all credit reporting agencies : XXXX, XXXX, and TransUnion. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing my credit score.
Consumer complaint received 2023-04-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-02-18
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: Experian Information Solutions Inc. (AL)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-18
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: U.S. BANCORP (WI)

I got charged {$98.00} for an XXXX XXXX  postmates that was a fraudulent charge. I called for it being a fraud charge XXXX times now and all they did was send me a new credit card. They never refunded the amount and it has been about XXXX  months. They told me they would refund me but have not. They sent me a temporary credit but took it back and after i called to ask why it was taken back, they said they would re-issue it. Now everytime i call they give me a run around and transfer me to different departments with no help.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the accounts referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. Sincerely, XXXX XXXX
Consumer complaint received 2017-07-24
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. (IL)

My complaint is again Equifax Credit Bureau. I am complaining regarding two outstanding issues : 1. The bureau continues to reinsert addresses that do n't belong to me. I NEVER lived at XXXX XXXX XXXX in XXXX IL. I have no accounts related to this address. This address is to an apartment complex - XXXX XXXX, which I called and verified no XXXX XXXX EVER lived there. I have disputed the address, it was removed, Equifax continues to put it back. I have sent copies of all my identification as well as my leases for the last seven years. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX IL. Six years prior my address was XXXX XXXX XXXX, XXXX XXXX, IL. Please correct this. 2. Equifax continues to report an account - XXXX XXXX - that was supposed to be removed as per the creditor. The account also lists multiple inaccuracies and errors. After reporting the account as an open collection for several months, Equifax has now updated the account to closed and paid. However the dates of EVERYTHING are incorrect. The credit bureau refuses to demand copies of the instruments and documents from the creditor which will prove this account was paid back in XXXX of 2017 and the creditor agreed to remove it from the profile. I REQUEST Equifax to please request and provide all documents received from the creditor relative to this account. I have contacted the creditor individually, and they insist they are not reporting this account negatively.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (TX)

I was shocked when reviewing my credit report and found a 30 day late payment reported for XX/XX/2021. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2020-03-06
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. (GA)

To whom it may concern : Under Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. A copy of a previous complaint and response is attach.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXX veteran very difficult.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: OneMain Finance Corporation (GA)

My second mortgage contract with XXXXXXXX XXXX dated XXXX states my mortgage interest would decrease .XXXX XXXX  each year for XXXX years. As long as no payments were XXXX days past due. My loan was sold to OneMain financial. They refuse to review or audit my case. They state my payments were past due more than XXXX days. I offered to bring in all my receipts to show they were paid on time. They still refuse to discuss my case or make any adjustments. I've called them numerous times.
Consumer complaint received 2017-07-24
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: Experian Information Solutions Inc. (VA)

My credit has been without a blemish for several years. I was a victim in the XXXX XXXX scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my FICO score dropped 63 points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and Income Based Payments. I have two mortgages that combined are much lower than todays ' average mortgage payment. One is a primary residence and another for a house that was inherited. ( rented out and paying for itself ) Had a credit issue about six years ago but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.
Consumer complaint received 2021-04-30
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: Capio Partners, LLC (FL)

I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX, FL ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by XXXX XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.XXXXXXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. CAPIO PARTNERS LLC Original creditor : XXXX XXXXXXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
Consumer complaint received 2017-05-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I transferred {$850.00} to my Fiance in  XXXX ,  XXXX  on  XXXX   XXXX ,  2017 an d I tracked transfer which was picked up in Colorado, USA! Nowhere near  XXXX !  Western Union just gi ves me the run around but is no help at resolving the matter.
Consumer complaint received 2017-05-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: QC HOLDINGS INC (UT)

Harrassed persistently about a title loan taken 4 years ago. The company is a third party compan y for BuckEye Title Loans. Th is company is called  XXXX . We received a call from them several times all day all night long, threatening, harassing and just annoying calls. We try to talk to them about the debt that is owed, but they cut cut us off hang up and are very disrespectful and rude. We want these calls to stop. I believe the company is a scam, but they received my information from Buckeye title loan somehow.
Consumer complaint received 2016-05-09
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I requested Portfolio Recovery Associations LLC to stop calling my home several years go but the company never stopped. The alleged debt is a medical bill over 6-8 years old past the statue of limitations. The company is data mining old debt and harassing families for a profit. The allege debt by XXXX XXXX XXXX XXXX sold the debt to Portfolio for penny 's on the dime and the debt is beyond the state of Florida statue of limitations.