davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I settled the account with Midland back on XX/XX/2021. PAID {$670.00} The agency gave my rep this Confirmation number # XXXX. They promised when I paid the {$670.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX
Consumer complaint received 2020-02-28
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. (NY)

My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (ND)

Sir/Ma'am, I have a US Bank XXXX XXXX with multiple promotional balances with 0 % APR. The oldest 0 % promotion balance ends XX/XX/XXXX. The two other promotional balances end XX/XX/XXXX. US Bank card services said that their system applies the payment automatically and that they are unable to override the system. They also stated that the XXXX promotional " balance transfer '' balances ( due XX/XX/XXXX ) take precedence over the promotional " purchases '' balance ( due XX/XX/XXXX ). I now find myself in a situation where I am being forced to pay off the larger, more recent balances, in order to pay the older balance prior the the promotional cutoff date. I would not have made the balance " transfers '' if I had known that it would bury the older promotional " purchase '' balance.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (AL)

I called and talked with a representative in XX/XX/2020. I asked to be put on the forbearance when COVID hit. They assured me that I would not be marked late and that it would not report negatively on my credit report. I have contacted Barclays in XX/XX/2020 and they refunded me from the Late Payment fee they accidentally charged me but did not change on my credit report that I have never been late on any payments.
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX   XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Oak Harbor Capital, LLC (TX)

A writ of garnishment on my bank account was issued by XXXX XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (UT)

This notice with the CFPB serves as my written response to the CCS dated from their mailed letter XX/XX/22 that I have no knowledge of this alleged debt and request for it to to be sent back to the original creditor.
Consumer complaint received 2022-02-14
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-03
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: CITIBANK, N.A. (IN)

On XXXX XXXX. I recieved an email from XXXX saying my order # XXXX was being shipped with some kind of blankets size twin and twin xl and more. The cost was XXXX I replied to the email saying I dont know anything about this. I didnt order blankets and not to send anything XX/XX/XXXX I get email from XXXX asking how I liked my purchase. I checked my Costco credit card and saw the charge for XXXX to XXXX. I immediately cancelled the Costco card I tried to call XXXX but they only email and I have about 20 emails to them and not very much response other than my IP address was used. Our neighbors have been doing a lot of things and we had a bunch of items stolen and now they moved suddenly I notified Costco visa of the fraud charge and they reversed the charge but later added the charge after the investigation I have asked for proof of the investigation but nothing XXXX wont respond and credit card just sent new card but still charged me XXXX. 

What can I do? 

XXXX XXXX
Consumer complaint received 2020-02-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Resources, Inc. (RI)

As a first time home owner. I purchased my home XXXX At closing i paid everything i was obligated to pay including insurance premium in full for a year. 
In XX/XX/XXXX my mortgage company American Financial resources ran an escrow analysis in which resulted my mortgage increase from XXXX to XXXX. a {$290.00} increase MONTHLY. after reveiwing the escrow analysis - i found numerous errors in XX/XX/XXXX they paid the wrong insurance comany not even 3 months after i closed on my house, and paid my home owners insurance in FULL at closing. I found they disbursed payment to tax collectors office for sellers owed taxes. Which was not part of my closing agreement. I ended up paying {$4200.00} in taxes in XXXX when my taxes were $ XXXX Yearly. 

REGARDLESS of if tax collectors office was attempting to collect payment it was two different owners, two differnt account numbers- no communication was made to notify me in regards to their request for payment. 

My escrow account was - XXXX due to these errors. 
I feel like ive been taken advantage of and no one wants to be held accoutable this has become my issue and has effected me & my loan in great deal financially. And Mistakes like this shouldnt happen, and could of been avoided, if they were more thorough and rechecked before just sending out someones money. from XXXX to today XX/XX/XXXX no escrow analysis was ever re - run. after numerous phone calls, numerous fax 's. Im truly just disappointed in this entire situation-this should be an exciting time in our life, as first time home owner ( s ), and i feel like its been one of the worst experiences and makes me regret purchasing a home. you trust mortgage companies to disburse your money appropriatley, and dont think errors like this would happen- we are at a loss on how to move forward? legal assistance re-finance?
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-14
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: Professional Service Bureau (MI)

The XXXX XXXX  appears to be a charge-off account with a specific balance of {$12000.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was not reported other Bureaus. As per FCRA, the XXXX and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance to the fair credit reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 reporting containing any of the following items of information, any other adverse items of information other than records of convicted crimes which antedates the report by more than 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any other information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (GA)

According to the 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 con- sumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
( Collection ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  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 these accounts.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

In XX/XX/XXXX, I successfully refinanced my property with XXXX and paid off the outstanding debt owed to XXXX Mortgage. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my Experian credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked XXXX to place my account in forbearance due to XXXX XXXX XXXX which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. XXXX has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as XXXX never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. XXXX is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX, XXXX and Experian are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED? 



NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES. 



YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS. 

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY. 



YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 



PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX Opened XXXX {$350.00} XXXX XXXX XXXX Opened XXXX {$960.00} XXXX XXXX XXXX Opened XXXX {$3600.00}
Consumer complaint received 2022-02-14
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. (TX)

I have tried many times to directly handle this issue with Experian. I want my credit report to be correct as they are reporting incorrect information. I have asked them to send me original contracts for the accounts with my signature and they have failed to do so. I have advised them to remove the incorrect addresses from my report and they failed to do so. Please remove this information from my report. Once complete, please send me a updated copy
Consumer complaint received 2022-02-14
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-13
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. (FL)

On XXXX, I sent a certified letter to Experian disputing inaccurate reporting of XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The numbers reported are only partial account numbers and there is no legal way to verify or prove these accounts belong to me. They have failed to provide a resolution within the 30 days as stated in the FCRA. I demand that the negative, erroneous items be removed from my credit report immediately. This hurt me from getting a car loan. Thank you
Consumer complaint received 2022-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I, XXXX XXXX, a federally protected consumer has attempted to reach out to Captial ONE to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either Capital ONE or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (AL)

I called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to XXXX XXXXXXXX XXXX XXXX. And they are reporting on all three Credit reporting Agencies. The debt as well. Under XXXX XXXX with a past due balance. Per the FCRA, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt twice. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by XXXX XXXX. I feel violated and taken advantage of by XXXX XXXX. Im XXXX and live on a set amount of benefits. I am willing to sue XXXX XXXX. For pain and suffering from this stress being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three Credit Agencies reports. Ive sent Validations letters to all three Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great stress of my being.