davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I am currently in the process of selling my home and I received a previous payoff amount of $ XXXX which was reduced thanks to your help! However, I received a payoff quote from the mortgage title company which stated that I still have a payoff amount of $ XXXX even though almost $ XXXX was forgiven. I contacted my relationship manager with Select Portfolio on XX/XX/2022 at about XXXX eastern time and I was told about the breakdown but there was almost $ XXXX in fees and other services included and when I inquired about the other fees I did not receive a definitive answer. I was told the fees came from my bankruptcy attorney which makes no sense because he was confused about the fees as well. There is also a $ XXXX XXXX on the property from Select Portfolio that was not filed in the bankruptcy but they are now seeking payment for, I assumed the $ XXXX was 20 % of the mortgage and included with the $ XXXX payoff balance from before. Select Portfolio Servicing is making it difficult for me to sell my home and time is running out for me to sell as the closing date continues to change and I'm afraid the buyer will walk away if we continue to delay. My question for Select Portfolio is where is the additional $ XXXX in fees and other services are coming from and why was the $ XXXX XXXX not filed in the XXXX XXXX so that it could have been paid off. I assume this was included in the $ XXXX mortgage payoff and this company is attempting to double dip. Thank you for your assistance!
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (WI)

Hello Im filing a complaint as a last resort as I have XXXX payments made to Discover for which I need refunds, and Discover is not completing the request also, their customer service has not been able to help. 

I accidentally made XXXX electronic payments to a closed Discover card through my Banks bill pay service. My Bank submitted the electronic tracking details to Discovers Payment Research fax # XXXX on XX/XX/XXXX. On XX/XX/XXXX Discover issued a refund for XXXX of the payments which I received as a refund check ; however, the below XXXX payments have still not been refunded although my Bank resubmitted the request on XX/XX/XXXX. I will attach the electronic proof for the remaining XXXX payments that need to be refunded to this complaint. The payments were made through my Banks Bill Pay processor, XXXX. Discover customer service has not been able to help despite multiple calls, as they advise this Discover account number is now purged from their system. 

These XXXX payments still need to be refunded : XX/XX/XXXX {$300.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} Thank you
Consumer complaint received 2022-11-28
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. (TX)

This is my XXXX and final attempt to supply court documentation to EXPERIAN regarding a recent lawsuit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The lawsuit was DISMISSED due to notice of XXXX : XXXX XXXX XXXX verb XXXX. XXXX. ( of a judge or court ) subject ( a plaintiff ) to the stoppage of their suit on the grounds of failure to make a legal case or bring sufficient evidence. noun XXXX. XXXX a court-ordered stoppage of a suit on the grounds that the plaintiff has failed to make a legal case or bring sufficient evidence. Proper COURT documents are being provided AGAIN ( see attached ), along with the definition of XXXX, which means the plaintiff ( XXXX XXXX XXXX ) FAILED to provide evidence that the debt is owed. Therefore, I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have enclosed a copy of my XXXX dispute with CFPB, which shows XXXX XXXX XXXX was deleted after the same documentation was provided. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (TX)

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. EXPERIAN, XXXX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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. YOU, EXPERIAN, XXXX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER XXXX. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX. FAIR DEBT COLLECTIONS PRACTICES ACT XXXX XXXX XXXX VIOLATIONS.
Consumer complaint received 2022-11-21
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. (NV)

Account Name : XXXX XXXX XXXX  Account # XXXX I requested an overall re-investigation on XXXX XXXX through certified mail to all 3 bureaus for my credit report after applying for a mortgage loan in XX/XX/XXXX and being denied. I requested that all dates, account info, balances, payment history along with the original copy of proof verifying if any of the accounts were mine. Ive had to dispute many things because of my name in general gets mistaken for other XXXX XXXX. Im a XXXX generation XXXX. 

*Section 607 ( b ) of FCRA I also have asked that all personal info be corrected on my credit report/history and still there has been no changes. 

* On the CFPB bulletin for XX/XX/XXXX, that theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were five things listed as requirements that has not been upheld regarding my credit safety as a consumer. 
In comparison of my credit report from XXXX XXXX and XXXX XXXX, youll see that the same errors remain. All 3 bureaus report different things. And let alone, I never got any verification or feedback from anyone regarding whats accurate or not. Since the last dispute, it has been more than 30 days, and me, my wife and kids no longer have housing since I had issues getting approved because of all the chaos on my credit report.

I highly believe its willful violation against me at this point, because ive disputed regular mail and certified mail several times now. I will put the tracking numbers below of the most recent one. 

There are over 8 violations Ive found on the XX/XX/XXXX credit report. A many being the different balances reported, month/term, high credit, payment status, last reported dates and payment history are all contradicting each other or just plainly showing differently for all 3 bureaus. Just an example, How can it say Last reported for XX/XX/XXXX, but for Date Last Active is shows XX/XX/XXXX?? 

Im now requesting monetary relief for the damages it has caused me and my family and per violation. Im also requesting deletion.

*15 USC code 1681n ( a ) ( 1 ) ( A ) *Consumer reporting agencies must Correct and Delete any inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. 
Tracking Number : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ) : XXXX XXXX XXXX XXXX XXXX XXXX ( Experian )
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (AZ)

I have continuously been fighting back and forth with the credit bureaus to remove an account that does not belong to me. This will be my second attempt to make a complaint with the Consumer Financial Protection Bureau for improperly investigating this issue. This will be my last attempt to get the correct remedy for this situation to remove this account from any and all of my credit reports due to account information given by original creditor showing I owe no debt! Otherwise, I will be immediately forced to pursue litigation against the CFPB, the credit bureaus, and the original creditor for negligence to this matter and violating my consumer rights under the FCRA! I have submitted complaints and credit report disputes since XX/XX/XXXX when this account first appeared on my credit and it's now XXXX and no one is looking at the facts presented. Along with this dispute, I will provide a copy of a lease application agreement that was provided from the original creditor in my previous dispute with the CFPB that shows proof this account does not belong to me! I have followed all necessary steps and chain of commands to get this account removed from my report, but it is not being removed even with factual documentation presented to both the CFPB and myself that this account is not mine.
Consumer complaint received 2022-11-28
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. (GA)

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, XXXX XXXX XXXX - 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 an 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 2017-07-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JH Portfolio Debt Equities, LLC (LA)

I am responding to your contact about collecting a debt. I would like for your company to provide me with competent evidence that I have a legal obligation to pay you. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Debt Collections Practices Act, 15 USC 1692g Sec. 809 ( B ) that your claim is disputed and validation is requested. this is not a request for verification, or proof of a mailing address, but a request for validation in pursuant to the above named title and section.
Consumer complaint received 2023-05-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2022-09-06
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: Experian Information Solutions Inc. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$850.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Number XXXX XXXX, XXXX XXXX AND XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX In correct Employers : XXXX XXXX, XXXX XXXX XXXX. Incorrect Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect Names : XXXX XXXXXXXX XXXX, 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
Consumer complaint received 2024-04-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I have a Citi XXXX XXXX ending in XXXX. I received a promotional flyer in the mail ( copy attached ), inviting me to open a Citi XXXX XXXX XXXX account, promising that if I deposit {$50000.00} within XXXX days and keep for XXXX days following the XXXX day, Citi will deposit XXXX XXXX XXXX miles to my XXXX account. 

I opened the Citi XXXX XXXX XXXX Account ending in XXXX on XX/XX/XXXX. 
Received a confirmation email on XX/XX/XXXX that I am enrolled in the promotion ( copy attached ). 
I deposited {$50000.00} in new money to the account by XX/XX/XXXX ( by XXXX day, within the 20 days required by the promotion ). 
I kept the balance until XX/XX/XXXX, well past the 60 days required by the promotion. 
Citi has not credited the XXXX promotional miles as promised by the promotion. 

I contacted Citi by online chat, the chat representative confirmed that I have met the promotion requirements and opened a case ( # XXXX ). 
The response from Citi was that they do not have a record of my enrollment in the promotion and to provide proof. They did not give a fax number or email address to provide the supporting documents and there is no provision on their web-site to upload documents. I contacted chat again and was told that they could not receive the documents via chat either. 

I requested that the case be re-opened mentioning that I do have the promotional flyer as well as confirmation email from Citi- they should have them in their records too. The representative opened case # XXXX. The response was the same as before. 

It appears that this is common practice by Citi as I am seeing on various online message boards as well as the CFPB complaint database. 

Citi needs to honor their promotion as I have met all the requirements.
Consumer complaint received 2018-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

Product Debt collection Sub-product : Credit card/ consumer reporting/collection Issue : Attempts to collect debt not owed/ incorrect consumer reporting/ no knowledge of consumers Sub-issue : Victim of Identity theft I recently requested my annual credit report from the three credit bureaus and my credit reports have inaccurate collections, consumers reporting, and credit cards reporting all the information that will cause damages to my file. I am in the process of looking into buying our first home and my credit score is affected by the consumer 's reporting. Lenders won't approve my application. As we reviewed the report there were consumers reporting with incorrect information, debt collections, fraud and credit cards accounts I have no awareness of this accounts, I am a victim of ID theft and would like further investigation under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy information in the files of consumer reporting agencies.
Consumer complaint received 2023-03-27
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Starmark Financial LLC (SC)

I signed up for food to be delivered from XXXX XXXX XXXX XXXX XXXX and during the call I was offered a warranty that would cover the food in the event my freezer went out. The representative said that the freezer would also be covered. The food cost us around XXXX and we paid monthly on it, along with the extra monthly cost for the " warranty ''. Once we paid the food off, they informed us that we still owed over XXXX for a warranty. We decided not to reorder any food with them and have been harassed by collection agencies regarding a warranty on food we no longer have - not to mention getting a negative rating on my credit report. 
It is not right to try to collect over XXXX on a warranty that we no longer need since we have paid off the account for the food. It was my understanding that the warranty was good for as long as we had the food. The amount they are trying to collect is as much as 8 months worth of food cost us with this company. We were not obligated to purchase more food so why are they insisting that we be obligated to pay for a warranty that covers the food in the event of it spoiling when we DO NOT have the food? And if the freezer breaks down, we can easily replace it for less than XXXX which is what they say we owe. The company contacting us to pay is called XXXX XXXX. They need to correct my credit report and stop contacting me. They want me to pay for something they are no longer providing which is ridiculous. There were no claims and the account for the food is paid off so why are they holding their hands out for money?
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC. (FL)

Good evening, My name is XXXX XXXX. I received notification that this collection company is trying to collect on behalf of a rental property. 

I have never applied to that rental property and this debt is a result of Identity Theft. 

In the Application, the name that Appears is XXXX XXXX XXXX but I don't have a middle initial. 

This debt does not belong to me. Please have them remove this from my credit report before I have to seek legal action. 

Thank you.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

I asked each company for the removal of the accounts on my credit report as it is a violation of 15USC 1692c ( c ) which clearly states : " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease ALL communication. '' Reporting to the credit agency is a form of communication.

The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent letters to each company on the XXXX XXXX XXXX  2024, explaining my situation. Each company responded with a letter to contact them, which I did and I have been given the run around.
Consumer complaint received 2023-03-03
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. (AE)

I don't know who is looking at these complaints or is looking into this investigations, but who ever is conducting the investigation is completely ignoring the facts that I have presented in the documents attached. which means that they are reviewing the documents with the violation that I have circled in red, and blatantly ignoring them. How can an investigation of illegal re-aging come back as verified and accurate? wouldn't that suggest that the investigator is agreeing to what i am saying and pointing out? XXXX XXXXXXXX XXXX XXXX  dba XXXX XXXX is illegally re-aging collection accounts reporting on my credit. This is a serious violation of the FAIR CREDIT REPORTING & FAIR DEBT COLLECTION PRACTIE Act and is illegal. I can not get a mortgage loan or the job i want because of these inaccurate reporting. delete XXXX XXXX and XXXX XXXX accounts