davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MS)

I recently pulled my consumer report and I noticed some inaccuracies. Immediately after I reached out to the credit reporting agencies as well as the creditors who were reporting this information. Every time I reached out to request a re-investigation they would send back generic letters stating the accounts were verified and refused to remove them. The same goes to say about the debt collectors providing the information. I am submitting this complaint because I no longer have faith in the Credit reporting agencies to fulfill their responsibility. Their job is to report 100 % accurate information at all times. When a consumer identifies items they believe are not accurate, they should conduct a competent and fair investigation, one that is not unfavorable to the consumer. They should respect the consumer 's right to privacy. They should ask for consumers ' authorization or consent before furnishing information that is untrue. In fact, 15 USC 1681 states that's exactly what they are legally required to do.

In addition to that, I am writing this complaint, because I sent all violating debt collectors Cease and Desists as well as a Validation of Debt request, but I never received the validation of the debt and to date, the information is still being furnished my consumer report. Therefore they willingly and knowingly ignored my Cesist and Desist.

This is a blatant disregard for my consumer rights which is unlawful and insane. Pursuant to 15 USC 1692c and 15 USC 1692g, this is my legal right as the consumer. This type of conduct undermines the consumer and has damaged my confidence in the banking system.
Consumer complaint received 2022-08-18
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: DISCOVER BANK (CA)

On XX/XX/2022, I ordered a TV from XXXX website. The TV came out defective and a replacement was requested which would take about XXXX weeks to arrive. A week after the replacement was approved, I went on the XXXX website and realized I can order the same TV for a cheaper price that would arrive before the approved replacement. I canceled the replacement and placed a brand new order and I returned the original defective TV to XXXX. a XXXX party company, pilot delivers, picked up the defective TV on XX/XX/2022 and it was delivered to XXXX facility on XX/XX/2022 and it was signed by XXXX XXXX Since then, amazon has not issued my refund and they claim according to their records the tv was never returned. I opened a dispute with my Discover credit card company, which after XXXX  months came out on XXXX 's favor. Before opening a dispute, I have tried to resolve the issue with XXXX but they would hang up the phone every single time after telling me they do not have their TV. The full order number is XXXX placed on XX/XX/XXXX, XXXX the website to track the returned TV is pilotdelivers.com and the shipment number is XXXX and the zipcode is XXXX. I have tried to get this issue resolved with XXXX throughout the months and I have called at least XXXX times in regards to this issue and every time their resolutions department hung up the phone without helping me. After going back and forth between discover credit card and XXXX in regards to this issue, both parties advice me to contact the other party to resolve my issue. XXXX states that disbute has been closed and refund has been issued to my credit card, and my Discover credit card states that dispute has been closed and the purchase is authorized therefore the temporary credit was charged back on my account.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I the consumer sent Transunion Consumer Solutions a letter on XX/XX/2022 demanding deletion of multiple accounts of alleged debts owed that were reported on my consumer report. However I never gave any written consent to Transunion to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ). This is identity theft as well which violates 15 USC 1681a ( 3 ). 
I have tried multiple times to get Transunion to delete these alleged debts owed XX/XX/2022 ID # XXXX & XX/XX/2022 ID # XXXX through the CFPB portal and I sent a third letter on XX/XX/2022. Due to Transunion committing identity theft and furnishing a consumer report I suffered from XXXX XXXX and XXXX. I was unable to obtain employment or credit and suffered from financial hardship nor have I been able to obtain insurance or housing. 
My family and I suffered from abuse from Transunion. 
By Transunion obtaining my consumer information without any written consent and furnishing a consumer report reporting obscene and profane language regarding alleged debts owed and late payments we were violated. This is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ).

Transunion knowingly and willfully obtained my consumer information from various sources violating 15 USC 1692e ( 10 )
Consumer complaint received 2022-03-08
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter to Equifax in regards to a collection account that appeared on my credit report from an account that I paid in full with the original creditor already! This is ridiculous and I need this rectified so that I can buy my home in 3 months. It has been more than 30 days and I have not received a response yet.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (SC)

Homedepot debits my account monthly for {$28.00} at least since XX/XX/2020 when I noticed it and have done it on two previous occasions before. I have stopped this twice and they have no authorization to do this. I have messaged them about this twice telling them they had no authorization to do it and included my telephone number in every message to discuss this if needed with no contact.These messages were sent on XX/XX/2020 and XX/XX/2020. At this point I have stopped payment at my bank. Last message I informed if they did it again I would stop payments all together. Still no contact and they did it again. I can't understand how they get away with this.
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

Between XX/XX/19 and XX/XX/19, I informed USBank that I was cancelling my current homeowners insurance policy, set to expire on XX/XX/19, and not to disburse any payments to that insurance company. USBank acknowledged my request, and asked for my new policy information, which I sent to them on XX/XX/19. As of XX/XX/19, my new policy information is reflected on my USBank account. 

On XX/XX/19, contrary to my specific instructions ( documented via secure message with the bank ), USBank made a disbursement of {$1000.00} to my old insurance company, and I would like that money back.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (NY)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$3700.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$5000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$7900.00}, XXXX XXXX Date Opened XXXX XX/XX/2019 Balance : {$7600.00}, and XXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}. 

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 2022-08-18
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. (IN)

To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting agency aware of these violations. In accordance with the Fair Credit Reporting Act, 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 XXXX XXXX  XXXX ) have 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.

Thanks in advance for your assistance in this manner.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

All these things on my report was falsely used and without my consent there's also inquiries that I have no knowledge of I want that that stuff removed bills inquiries everything
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

During the month of XXXX in the year 2020 I was given the option of opening a credit card with the company Care Credit in order to cover dental expenses. I accepted this offer and opened an account. Unfortunately, I was not made aware of the deferred interest and was only given a receipt with my purchase. I was taken advantage of as a XXXX XXXX XXXX with little experience with credit cards. I was not made aware of the fact that I was given a promotional period and would have to pay off my balance by a certain time to avoid interest charges. I only became aware of this fact after I had been charged {$3000.00}. I did not receive any phone calls concerning this promotional period or interest charge and only became aware of this charge once I saw that my credit score had gone down. After contacting the credit card company I was told that I had been made aware of this information on my statements ; however, I find it to be unreasonable that I was not told prior to opening this account of the conditions. I feel I was a victim of unfair and deceptive credit card practices as I was misled and not given adequate guidance. If I had been made aware of the deferred interest beforehand, I may have not opened an account in the first place.
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

Hello, From XX/XX/2022, I have contacted Experian several times regarding several issues. 
1. They have chargeoff accounts that were on my report even after my bankruptcy has been XXXX. 
2.they removed a great account inquiry from XXXX XXXX XXXX  and they have several names that I have never used on my report. 
3. XXXX XXXX never responded to my dispute, they didn't respond to the XXXX  and I asked Experian for their inaccurate information to be removed. 
4. XXXX XXXX XXXX XXXX sent Experian, the XXXX  and myself a letter and told Experian that I was never late with a payment and they are still reporting that I was late even after the investigation was updated. 
5. XXXX XXXX was included in my Bankruptcy which is XXXX and they are still on my report, with inaccuracies. I am a Veteran and the VA paid most of my debt and they are reporting that I owe them {$230000.00}. I have shared this inaccurate information with Both companies but Experian sent the XXXX  a copy of my Bankruptcy to help validate XXXX XXXX claim. Without my authorization to do so. 
6. Experian has blocked me from seeing any updated information for XXXX XXXX therefore I can no longer dispute anything. 

All these inaccuracies have made my credit score decrease to XXXX. I have had to contact the XXXX  several times showing them that Experian is not complying with the FRCA.
Consumer complaint received 2022-05-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Harvard Collections, LLC (KS)

This account was from XX/XX/1988 with Illinois XXXX XXXX XXXX XXXX over 30 years ago and XXXX XXXX XXXX purchased this debt and put it as a collection on my credit report without any knowledge of this debt at all.
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my 6th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} 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 Balance Owed : {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX, XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-01-26
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: ALLY FINANCIAL INC. (IL)

XX/XX/XXXX. Ally financial has made an hard inquiry on my credit report I have no recollection of why. Please dispute this from my credit report. I have disputed this in the past last year XXXX.
Consumer complaint received 2023-01-26
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. (NM)

My fico score decreased from Equifax XXXX points because of their inaccurate balance information from my XXXX XXXX  card ending in XXXX my fico score today! Said my card increased to over XXXX dollars? They are looking at a d balance over 40 days old? Not was is current today?? my balance is only XXXX dollars period! I had a lot of problem with equifax reporting old information!! I will include my Fico infor from Equifax
Consumer complaint received 2019-02-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

In XXXX my wife and I were able to pay off our mortgage that was held by XXXX XXXX XXXX. In XX/XX/XXXX we opened a line of credit with XXXX. We borrowed {$30000.00} to repair a rental property we own. XXXX has done a lot wrong with our contract, changing most of it without consulting us. 
Early in XXXX XXXX started referring to themselves as my mortgage company. Because we have no mortgage ( paid off in XXXX with XXXX XXXX XXXX  ) I questioned XXXX about what they thought they were doing. I accused XXXX of predatory lending and started looking for a attorney to help me with this issue while I continued paying on the account. On XXXX I got a letter from Select Portfolio saying. they will be servicing my 2nd mortgage account. I called select portfolio and spoke with, XXXX XXXX. I told her I was seeking legal help with XXXX and to please wait until my complaint against XXXX was addressed. I continue paying XXXX but stopped when XXXX returned the last two payments  I sent them. I felt that going forward with an innocent, Select Portfolio would leave my wife and me Unable to recover position. So payments did not go to Select Portfolio, ever.Now Select Portfolio is attempting a foreclosure. They dont hold a mortgage for this property. Please help.
Consumer complaint received 2022-08-18
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. (MO)

This is XXXX XXXX submitting this CFPB complaint requesting that they remove the disputed fraudulent accounts and information completely from my Credit report. This complaint is my 6th CFPB Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} 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 XXXXXXXX Balance Owed : {$490.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$960.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX, XXXX XXXX Balance Owed : {$4500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-26
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. (NY)

I found an error on my Experian credit report for a closed XXXX XXXX XXXX Account # XXXX. The delinquent date in XX/XX/XXXX is inaccurate, it states that the account was 90 days in XX/XX/XXXX after it was 150 days late in XX/XX/XXXX. I disputed this inaccurate account with Experian via USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account on XX/XX/XXXX but the inaccuracy was not fixed. I disputed again with Experian via another USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account XX/XX/XXXX but the inaccuracy was still not fixed. 

As a consumer I am entitled to an " actual '' investigation into my disputes, however, there's no independent investigation was done in regard to the inaccurately reported account that impacts my credit. It is irresponsible for Experian to cheat consumers with such blatant FCRA violation. Please respect the credit reporting guidelines and remove the disputed account from my credit report.
Consumer complaint received 2022-09-04
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)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is XXXX XXXX submitting this CFPB complaint requesting the Credit Bureaus to correct the disputed accounts referenced below. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$3100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.