davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

The beginning of 2019 we started receiving phone calls that we were behind a payment on our mortgage. We asked what payment they were missing as all payments have been made. They were unable to provide this information. In XXXX of 2019 they began assessing a late fee. And are still unable to explain what payment they are missing.
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It has been over 60 days and I haven't gotten a response from these compaines regarding my complaint. They are violating congressional law with their reporting and I am no longer going to suffer for these inaccurate accounts reporting on my credit report. I never opted-in for these companies to obtain my information and to have these accounts reported on my credit report. This is in violation of 15 U.S. Code 6802 section ( a ). There are also collection accounts with debt that I never validated, a couple of which were removed from Transunion and the other two bureaus have yet to consistently report so on their end, this is in violation of the FCRA as well. Please help me get these removed from my credit report.
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (AZ)

I received a letter in the mail from Paramount Recovery Systems saying I owed {$350.00}. It did not state who I owed the money to, it did not state if it was a credit card company, it did not state the creditor at all. Neither did they provide any kind of account number. The letter was not asking for any personal information, but it did contain a small form to fill out and send back which I did. The only information on the form was my address which apparently, they already have. The amount stated was an exact figure which is a red flag to me. There are no cents in the amount. There were boxes to check for actions to take. I checked the box that stated I don't believe this is my debt, I checked another box that stated I want to know who the original creditor is. It seemed legit until I looked up the company on the XXXX website. It appears to be an accredited company that has been operating for 20 years but when I looked at the customer reviews, there was nothing but bad reviews and complaints that Paramount never provided the information the customer requested and continued to insist they owed the debt. I think what they are doing is fraud. If they can't or won't provide information that will validate the debt, that means more than likely, they don't have it because the debt is not valid. I would like this company investigated and every case they contrive investigated as well.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I have contacted XXXX  several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.
Consumer complaint received 2021-09-15
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: FIFTH THIRD FINANCIAL CORPORATION (SC)

This relates to my original CFPB complaint number XXXX about my Mastercard with Fifth Third Bank. This was about a fraudulent charge to my card in XXXX, 2021 to The XXXX XXXX XXXX. 

The company replied to me about the complaint saying this charge was legit as it was made by another authorized user of my card. This is a lie, and is impossible since I'm single, live alone, and am the ONLY user of this credit card. 

XXXX XXXX, an employee of the Office of the President of Fifth Third Bank is the contact person the company assigned to my original CFPB complaint. We talked briefly a few weeks ago when he first got my complaint. Since receiving their decision letter, I have tried numerous times to reach out to him to discuss and have him explain just who this alleged " other authorized user '' supposedly is. All I get is voicemail when I call. I have left messages and no reply yet from him. 

Since there are NO other authorized users on my card, the whole reply to the original complaint is fraudulent. I want the original complaint re-opened and an explanation about who this " other user '' is supposed to be.
Consumer complaint received 2020-06-02
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. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit file. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2021-08-11
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. (IN)

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. 
I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Consumer complaint received 2020-05-05
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. (CA)

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-05-05
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: Experian Information Solutions Inc. (NH)

Hi, There have been 5 attempts to gain credit using my information. None of the requests below were made by me or in my home state where I have been quaranting since mid XXXX. Below is pulled from my credit report. 

Inquiry details XX/XX/XXXX Inquiry fromXX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX Institution Information XXXX/XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXXMisc.

Institution Information XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-18
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. (HI)

I sent a my Dispute letter dated XX/XX/2020 to all 3 Credit Bureaus! 

Transunion, XXXX  & XXXX  ( Please see attached Documents ) I received my XXXX Credit File : XX/XX/2020 Confirmation # XXXX - The Results of Our Reinvestigation stated that XXXX XXXX XXXX, Account # XXXX The results are : this item has been deleted from the credit file. 

( Please see attached Documents ) However, this account is still showing on the other 2 Credit Bureaus XXXX  & TRANSUNION!
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I canceled my Chase United Presidential Card to switch the the Chase Sapphire Reserve Card ; I was told on a recorded call I would have the prorated amount of the United Card refunded. After several week went by, I called again. I was told, again, on a recorded line that ~ {$260.00} would be credited to my card. After a week went by, no credit appeared so I called yet again. This time I was told there would be no refund of the amount and it didn't matter what I had been told on the recorded line because Chase had no intention of refunding the annual fee. Obviously, if I had been told truthfully I would not have the pro-rated fee refunded, I would have kept the card open to continue to use the benefits I had paid for. Chase continues its borderline criminal behavior in the middle of a pandemic.
Consumer complaint received 2017-09-06
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. (TX)

I have disputed and asked to remove XXXX XXXX XXXX form my credit report with transunion. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (FL)

This is my XXXX complaint against Contract Callers. A very disrespectful representative XXXX called my phone today at XXXX AM and asked for my name and told me to verify the last XXXX digits of your social security number. He did not even verify where he was calling from. 

Very rude and distasteful phone call. As done before, a complaint was filed against Contract Callers who illegally put a collection on my credit. 
Now that I contacted CFPB and they had to removed the collection off my credit, they illegally call my phone. 

Again my question stands, is this company permitted to collect from Florida residents? Even if they now are, I am affected by the pandemic and out of work indefinitely. 

Please stop this company from contacting me and harassing me after the last CFPB complaint or I will have to find a free law service to help me file a harassment lawsuit. 

My last complaint was filed XX/XX/2022. Why are they calling me threatening me?
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Hello, without prior notice, the Chase bank closed my account on XX/XX/2020, I have called the bank on numerous occasions and they tell me that they do not have a specific answer for me, it is disrespectful that they do not inform them that it is what is happening, they only say that my account was closed and I can never open an account with them, everything is fine in my account, balance, I do not use checks, this bank is the worst
Consumer complaint received 2017-08-07
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: BANK OF THE WEST (NE)

I opened a {$50000.00} Home Equity LOC with Bank of the West in XX/XX/XXXX. I never used the account or had a balance. I requested the LOC be closed in XX/XX/XXXX and still reflects as current and open on my Credit Report.
Consumer complaint received 2020-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I received a mortgage forbearance on my property in XXXX due to covid related reasons. Fay serving stated that the forberance period would be for three months but I have not been contacted on how these payments will be handled at the end of the forbearance period. The investor on my loan is a XXXX XXXX and not a GSE so I am concerned of a sudden balloon payment at the end of the forbearance. 

The online information on my account is rather terrible and not congruent with paper statements I have been receiving. There is also a fee/charge on {$430.00} on my paper statement that Fay has never explained and have told me in previous conversations would be removed from my account.
Consumer complaint received 2017-09-06
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. (GA)

I received a copy of my credit reportXX/XX/XXXX and realized that there were a few mistakes One in particular from XXXX XXXX  who has reported that there was a late payment XX/XX/XXXX.
1 ) I contacted XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX via phone and was told I must take up the matter with the bureaus and was not able to get an explanation or additional information 2 ) I Disputed this late payment via certified mail to all 3 credit bureaus in XX/XX/XXXX. It has been over 30 days and have not received any correspondence thus far.
Consumer complaint received 2022-10-07
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: Applied Data Finance, LLC (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2024-03-17
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Capital One and XXXX XXXX XXXX XXXXXXXX did not provide proper disclosure. Per 15 USC 6802 Obligations with respect to disclosures of personal information. During this credit transaction XXXX XXXX did not give me documentations of opting out. Per the FCRA that is not allowed.
Consumer complaint received 2021-09-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX. It has been brought to my attention that XXXX XXXX reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} 2. Portfolio Recovery A {$430.00} XXXX. XXXX XXXX  & XXXX
Consumer complaint received 2020-11-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (VA)

I found this collection account from Ad Astra Recovery Systems, Account Number, XXXX on my credit report and saw it was for a company called speedy cash. It has a date of XX/XX/2018. The amount is XXXX I researched SpeedyCash.com-168VA and they are not in my local area and are a payday loan company. 

In XX/XX/2018 I was unemployed and have no knowledge of this loan. I have disputed this twice and they come back from the dispute and confirm it as accurate. I explained in my dispute that I had a joint checking account that had individual accounts attached to it and someone in my home with access to all my information. 

I have no prior knowledge of this and would not have been eligible for a payday loan.
Consumer complaint received 2020-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Contacted Bank of America customer care on XX/XX/20, after discovering link to bill pay tab was down as I wanted to cancel a scheduled check that was still in process. 

When I inquired on why the full site and mobile apps for bill pay self service were down, staff handed off to three separate agents before landing with the last ( XXXX ) who read me a disclosure agreement after stopping payment on the bill pay check I could not cancel online because system feature was omitted. I challenged agent asking for escalation to a manager, as bill pay featured user options were modified by the bank to force users to utilize stop pymt to void a schedule check, rather than self canceling via self service. Agent claims my issue was being escalated, but could not provide an estimate in resolve for restoration on websites bill pay check cancellation feature. 

Today, XX/XX/20, I learned Bank of America reported my new bank card information to an online merchant without my consent and debited two current and two past paid in full installment purchases without my consent. I believe this back acted negligently by sharing confidential info to a third party without my expressed verbal or written consent. As a long standing 30 year customer of this bank I am outraged at the level of negligence in securing customer sensitive information. I am well versed in managing my financial affairs and require no assistance from BOA to facilitate funds to parties I solely have contractual agreements with, and strongly feel this bank has overstepped its bounds and also compromised my account by relaying new card information I had just activated. Please launch an investigation into these matters as soon as possible as this bank needs to be held accountable for the egregious, and self-serving revenue customer, arm twisting practices they are conducting. 

Thanks
Consumer complaint received 2017-08-06
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. (CA)

I have tried to dispute this before with TransUnion, but they apparently do n't want to hear the truth. XXXX XXXX XXXX is saying I owe them XXXX from an original Creditor XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.
Consumer complaint received 2021-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MO)

I have Macy 's store card and I keep incurring late fees, and extra interest. I keep requesting that my due date be moved to the XXXX to line up with my pay and other bills. All I keep getting is excuses, exuberant minimum payments, folks that aren't notating the account to show that requesting was even made and even though I available credit of {$93.00}, my card was declined for 54.54.. I recently made a {$62.00} payment on XX/XX/XXXX to only show {$75.00} due XX/XX/XXXX.