davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (NV)

Dear CFPB, I am a natural person and a living human being with rights protected under 15 USC 1681. I am filing a formal complaint regarding my credit report, as I believe that the consumer reporting agencies are violating my rights and the Fair Credit Reporting Act. Specifically, I demand the immediate deletion of the following accounts, which were furnished to the consumer reporting agencies without my permission : XXXX XXXX XXXX XXXX - XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The consumer reporting agencies have violated my rights several times, which is prohibited under 15 USC 1681.

I want to draw your attention to the following sections of the Fair Credit Reporting Act that support my complaint : 15 U.S.C 1681 section 602 A : States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States that no consumer reporting agency may make any consumer report containing 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 ) : States that 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.

Furthermore, I did not authorize the following companies to pull or look at my credit, and I believe these inquiries to be fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Used XXXX XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, Used 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 VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Non-specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OR, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, 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 2023-03-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On ( XX/XX/XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I asked for validation in XXXX of XXXX after looking at my credit report. The debt collecting company sent me validation of inaccurate information which is still being reporting on my credit report. The lease they sent me is NOT my signature.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (KY)

I canceled an order for a bed from XXXX XXXX on XX/XX/XXXX. XXXX from the Customer Service chat at XXXX XXXX stated that seeing the merchandise was not delivered the item was not charged on my card. I also spoke with the store on XX/XX/XXXX ( XXXX ) XXXX and was told there was no charge on the account. But Synchrony Bank is saying that XXXX XXXX put a hold on the account for {$4500.00} dollars. They are saying it will take 30-60 days to resolve the " dispute. '' So I called XXXX XXXX back and they keep saying there is no charge, and there should not be a hold and that if there is it is the credit card company that put the hold on. And in the meantime I am being given the run around between the two of them. I had to call Synchrony Bank three times to get someone on the phone because I closed the account and only then found out there was this hold on the card. The card is specifically issued by " XXXX XXXX/Synchrony Bank. '' I want the hold removed from the card and the account closed. I should not have to keep having to call Synchrony Bank only to be told the problem is with the " merchant '' and then call XXXX XXXX and have them tell me there is no hold and it is Synchrony Bank that put the hold on because there is not charge because the order was canceled. I have also filed a complaint with the Federal Trade Commission against XXXX XXXX.
Consumer complaint received 2017-07-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX XXXX from XXXX XXXX for Bank of America-Letter dates XX/XX/XXXX and Complaint number No. XXXX, that he claims to state in his letter that the XXXX XXXX XXXX XXXX XXXX Promissory Note and Mortgage was transferred to Bank of America in XXXX of XXXX. XXXX XXXX was shut down from the FBI, and filed Bankruptcy at that time. I DEMAND TO SEE THE TRANSFER OF SERVICING RIGHTS FROM XXXX XXXX XXXX XXXX XXXX TO BANK OF AMERICA, AND THE APPROVAL FROM XXXX XXXX THE PLAN TRUSTEE THAT HE GAVE PERMISSION TO MERS AND BANK OF AMERICA WHEN THEY SUBMITTED THE ASSIGNMENT OF MORTGAGE UNDER 11 USC 362 and 363. I DEMAND TO SEE THE ORDER JUDGE XXXX PROVIDED IN THIS MORTGAGE ASSIGNMENT TO BE GRANTED PERMISSION ALSO-Under RESPA LAWS I was required to get a notice from the Bankruptcy Trustee and Judge XXXX over XXXX XXXX XXXX XXXX XXXX XXXX of The Transfer of Servicing Rights to Bank Of America.
Consumer complaint received 2023-03-26
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. (GA)

I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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.

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation
Consumer complaint received 2021-03-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AL)

We bought our home with a VA backed loan on XXXX XX/XX/XXXX. We were later notified that the new loan servicer would be Amerihome Mortgage Company. 
We have always paid as agreed. 
When we applied for our homestead exemption in the County where we live, we were told that since the home did not previously have a homestead exemption filed, we would be charged the regular ( non-homestead ) amount for taxes this year, and the benefit of the homestead exemption would begin in XX/XX/XXXX ( a 50 % reduction in the tax amount ). 
When the taxes were paid by the servicer, on XXXX XX/XX/XXXX we realized that they had calculated the escrow amount to withdraw based on the expected tax with a homestead exemption and not the actual. This resulted in an escrow advance of {$230.00}. We called the servicer and explained what we saw and they said the servicer would be performing an escrow analysis in XX/XX/XXXX and they needed to see a certain balance ( I believe it was {$1600.00} ) in the escrow account or the payment would increase. 
We calculated the amount the servicer would need to have a sufficient amount for the insurance payment including the two month cushion as allowed by law and submitted that payment on XXXX XX/XX/XXXX ( as an escrow payment ) That amount was {$1700.00}, and set the amount in escrow sufficient to pay the upcoming insurance in XX/XX/XXXX. 
The homeowner 's insurance was paid by the servicer on XXXX XX/XX/XXXX, and there were still sufficient funds remaining to pay the normal tax that would be due in XX/XX/XXXX. 
We then received an escrow analysis which increased our payment from {$1400.00} to {$1600.00} for XX/XX/XXXX. That escrow analysis now used the higher amount for taxes in their calculation ( 50 % higher ), and were coming up with an incorrect escrow payment.

We have attempted to contact the company numerous times via secure messaging and submitted the tax notice from the County as instructed by some of their automated return messages. No one from the company will contact us, and we called last week XXXX XX/XX/XXXX, but the person on the phone just said someone would contact us, and acknowledged that someone should have returned a message. 
Now the payment has increased to {$1600.00} without any explanation as to why this occurred. We have tried to be patient, but at this point we need a mediator or dispute resolution help as this company does not wish to communicate with us at all.
Consumer complaint received 2022-10-14
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. (FL)

Credit bureau reporting incorrect information even after multiple violations of the FCRA and pending litigation. 

Creditor has failed to provide substantiation for their claim of a balance owed on an account closed with a XXXX balance. 

I have provided proof that account XXXX  closed with XXXX balance. 

Litigation pending.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of XXXX XXXX XXXX XXXX XXXX. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (NY)

I have been getting phone calls about a medical bill that is not mine they even told me over the phone ( XXXX ) that the name is not mine and i have noting to do with that name please make sure to take it off my credit report See old cfpb # XXXX With a different collection company with the same file
Consumer complaint received 2023-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (UT)

Compliant is against XXXX XXXX XXXXXXXX XXXX XXXX managed by Synchrony Bank ) and a Chevron Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT. On XX/XX/23 at XXXX XXXX, I stopped at the Chevron Gas Station mentioned-above to put gasoline to my car with credit card also mentioned-above. The total was {$44.00} -- See attached receipt. When I got home later on, I received an alert message that I had a purchase for {$50.00} -- See attached message. I immediately replied saying I did not purchased gas for {$50.00}. It was for {$44.00} -- See attached. No response was ever received to this message, as of today. I also called the credit card customer service immediately to advise I did not purchase anything for {$50.00}. For my surprise, I was told that the {$50.00} was a " Hold '' on my account, in addition to my purchase. I said I usually get a hold for {$1.00} but this is not right to place a Hold for that much, as if I were a criminal. She said the gas station did that. I got so upset and for protection of my account, I asked to close my credit card. The Customer service Rep had an attitude that she did not care about my concerns and processed my request immediately. Please note, I have excellent credit, I have always paid-off my balance on this account as soon as I use it and the balance gets posted, and this Customer Service rep did not care. Basically, she did not value customers like me and my business. The next day, I tried to get of hold of the Manager of the gas station. The call went into the Chevron Call Center. I know what a Hold means and I know it will go away, but my issue was, why me? The whole thing is basically a discrimination issue. I am a US Citizen but with a XXXX background and this is not the first time this has happened to me at a Chevron Gas Station & affiliated gas stations. Over a year ago, it happened to me at a XXXX XXXX XXXX from Chevron in XXXX, UT. I paid with a different credit card. A Hold for {$100.00} was placed in my XXXX Credit Card for putting gasoline of only {$25.00}!!! Like if I were a criminal that would not have a legit credit card. Although I closed my credit card with XXXXSynchrony and XXXX I'll never put gasoline at any of their gas stations, I am writing this complaint to let you know about their illegal or unreasonable " Hold '' amounts ' practices on people like me. You all should investigate this matter. By the way, after I have closed my account, I tried to get into my account and I couldn't, they blocked me out of my account.
Consumer complaint received 2022-10-14
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: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; Original Creditor : XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Consumer complaint received 2023-03-26
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)

I am filing a formal complaint regarding the violation of my rights under the Fair Credit Reporting Act and 15 USC 1681 by consumer reporting agencies, as I am a natural person with federally protected consumer rights to privacy and confidentiality. The following items on my credit report have been furnished without my permission : XXXX XXXX XXXX This violates my rights under 15 U.S.C 1681 section 602 A, which grants me the right to privacy. Furthermore, 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

Moreover, the consumer reporting agencies have violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ), as multiple billing errors have been found in my credit report. 15 U.S. Code 1666 ( b ) billing error states that a creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor on a statement or a computation error or similar error of an accounting nature of the creditor on a statement is a billing error. As I did not receive a statement from the creditor notifying me 21 days prior to the due date, there should be no late payments on these accounts. I demand to see hard, solid proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report. 

XXXXXXXX XXXX XXXXXXXX As a consumer, by law, these accounts on this letter must be updated immediately, or I will seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. 

In addition, I would like to report fraudulent inquiries that were made on my credit report by companies that I did not authorize to access my credit. These inquiries are as follows : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit Bureaus/mortgage Processing I have contacted these companies, and they have no proof that I have authorized these inquiries or permissible purpose. Therefore, I request that these inquiries be removed immediately. 

I have already reported this matter to the Complaint Portal for the State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission.
Consumer complaint received 2019-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

Late last year three unknown charges appeared on my Discover Card Account. These were not done by me. I contacted Discover and reported the fraud. I spoke with a rep who cancelled my card and issued a new one. During the course of this investigation Discover had the same rep call me on numerous occasion and in an accusatory tone asked me about these transactions. Apparently, merchandise was shipped to an old address of mine. I explained I had no knowledge of these transactions of who did them and yet they claim I am responsible and placed all the fraud charges plus the interest back on my account. This caused by credit score to drop 49 points. Before I obtain a lawyer and sue them I was hoping you could investigate this and help/ They are violating FCRA. I am not responsible for charges that were not placed by me. Someone got my old card number and did this. They have been told this. Under law I can not be held responsible.
Consumer complaint received 2023-03-26
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. (OH)

my personal information was compromised by the 3 credit bureaus and i have repeatedly asked them to not publish any information about me or that is not confirmed in writing to be my information without my written consent they have never provided any information or documentation that shows my signature or hand writing that says i gave them any permission to collect or report any information these XXXX companies transunion, XXXX, XXXX are violationg my rights my privacy and they are clearly breaking laws they need to delete all accounts immediately without question ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX ACCOUNTS : XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX - acct # XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF EDXXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX acct # XXXX, XXXX & XXXX - acct # XXXX XXXX XXXX XXXX- acct # XXXX XXXX XXXX - acct # XXXX