davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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 consumer by law, This has NOT been submitted in error. 
In accordance with the Fair Credit Reporting Act. The List of accounts below have 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the above Have violated my rights .

15U.S.C 1681 Sec. 602 A. States I have the right to privacy.

15 U.S.C Sec 604 A Sec 2 : States A consumer reporting agency can not furnish a 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, other than records of convictions of crimes which antedates the report by more than 7 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 2021-07-30
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. (NV)

There are two accounts on my credit report that are not mine I have not accepted know what these are or where it came from. 

XXXX - Acct XXXX XXXX - Acct XXXX
Consumer complaint received 2022-01-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc. (IL)

This is my third attempt to contact Gatestone & CO. International Inc. about violating my consumer rights. Unfortunately, Gatestone & CO. International Inc. did not respond to my original CFPB compliant ( XXXX ) nor the letter that I sent to them via certified mail through the United States Post Office within a timely manner, and their silence is an admittance of violating my consumer rights and are required to pay me {$6000.00} by check on XX/XX/2022.
Consumer complaint received 2019-12-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2019, we started an application process with Bank of America for a new home for our son. We agreed to be cosigners on the account. We are "preferred" customers with them because we also have our investments with Merrill Lynch.There was no realtor involved. We were buying the house from a friend/ neighbor.The signed contract was sent to the bank on XX/XX/2019. A flurry of activity occurred for other papers to be signed and all were done and sent back to the bank by XX/XX/XXXX.Mortgage commitment was given on XX/XX/XXXX.Closure disclosure papers were given on XX/XX/2019. Which by now  was way too long. We thought the closing was going to take place before this and the house has been vacant since XXXX weekend. The rate lock ran out on XX/XX/XXXX and they have extended it at no cost to us until XX/XX/XXXX which is this Friday. We are still waiting to close. I have been told that it has been escalated to management. I have threatened to remove our money.  I have threatened to go to another bank to get the mortgage... all has fallen on deaf ears.The really sad part all of this is that we have enough money in this bank to almost pay for the house outright and still are being treated like this.The mortgage dept is in XXXX and the processing and underwriter is in XXXX and this is where the problem lies. They do not communicate. I just sent back a document to the mortgage dept for a 4th time.I feel frustrated. We look foolish to our friend and my son still is not in this house. This experience has been absolutely horrible.
Consumer complaint received 2021-07-30
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. (NC)

I was never late and I disputed late payments that I noticed on my credit report and I have requested several times to be provided with the method of verification and the proof that I was indeed. I kept getting a response from the credit reporting agency that the late payments were accurate and that is what they received from the furnisher.
Consumer complaint received 2019-12-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

Good morning,We're filing this complaint against Bayview Loan Servicing, in the hopes that the CFPB will intervene and demand that they stop their deceptive business practices immediately.We've been in contact with Bayview since XX/XX/XXXX, regarding our desire to save our home. Unfortunately, they've been less than cooperative with assisting us in resolving our foreclosure matter, as well as, even providing us with updated 0information.Prior to submitting all loan modification documents - which were faxed on XX/XX/XXXX - we were working with an attorney who delayed communications with us, forcing us to disengage.We contacted Bayview on XX/XX/XXXX of XX/XX/XXXXr and we're told that because our documents weren't received within 37 days prior to sale - our sale date is XX/XX/XXXX - our request for a modification was immediately denied and documents weren't uploaded.On XX/XX/XXXX, we spoke with XX/XX/XXXX (XXXX XXXX), who told us that he would escalate the file and send an email to his manager while we were on the phone. He told us that he was requesting that they either waive the 37 day issue (we were two days short of 37 Days on our submission timeline) or recommend that we be reviewed for a Streamline Modification.He asked us to follow up with him on the 12th for an update and we've not spoken to him since. I've left him 2 voice messages XX/XX/XXXX, XX/XX/XXXX and emailed him XX/XX/XXXX. No response.XX/XX/XXXXIt's clear that Bayview is intentionally delaying communication with us, as well as, applying deceptive business practices regarding assisting us.We are determined to keep our home and would very much appreciate your assistance with this matter.Thank you,XX/XX/XXXXXXXX
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that HSBC sold to XXXX. I had taken a loan with HSBC in XXXX and have proof it had been paid off. I sent a copy to XXXX XXXX XXXX XXXX and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. 

In XXXX they sent an order through XXXX  XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature XXXX could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. 
Once again, XXXX XXXX XXXX has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.
Consumer complaint received 2019-12-16
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: AMERICAN EXPRESS COMPANY (GA)

I started a $XXXX dispute with American Express back in XX/XX/, reference number(oanXXXX). The dispute was about a painting job done at my house from XXXX XXXX. The reason I tried to dispute part of the payment was that XXXX XXXX didn’t do a good job, and they ignored my texts, calls, and emails when I requested them to come and fix their mistakes. I tried to dispute with AMEX, but the dispute was rejected 3 times for different reasons!!! I’ve provided AMEX all the documents they needed, but they kept rejecting my dispute without trying to understand that I have received bad service.On XX/XX/, when the dispute was still under investigation, I called AMEX because I realized that the disputed $XXXX was not taking off from my statement balance. I was told by AMEX rep that the dispute was still under investigation, but I only need to pay the remaining amount by taking the $XXXX   off. I was unsure about it, but the rep said that it would be fine and gave me a reference number(XXXX) about this conversation. I did what they told me, scheduled the remaining statement amount to be paid by the due date. However, onXX/XX/XXXX, the next day after I called, AMEX rejected the dispute. This caused me had to pay the interests on the $XXXX I was trying to dispute with AMEX.I am filing a complaint about American Express because this company has been falsely claiming on its website that they ‘promise to understand, respect and back our customers’. Based on my experience with this company, it is actually trying to trick its customers by rejecting their dispute, and then charge interest on the disputed amount. As a loyal customer with AMEX since XX/XX/XXXX, I have been very disappointed with this company, especially when they are making promises they can not keep and trick the customer.
Consumer complaint received 2021-07-30
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. (NV)

TRANSUNION has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee. 

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get TRANSUNION to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 
I do not validate any of the negative information on my report nor do i consent to TRANSUNION furnishing such information to third parties for a fee. 

All the negative items and all hard inquiries are to be removed immediately from my report. A truth of Affidavit has been sent to TRANSUNION with an invoice for the 9 violations that I have found. I am seeking Civil Liability pursuant to 15USC 1640 of {$1000.00} per violation which totals up to {$9000.00} that TRANSUNION is in violation of.
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (NC)

Due to several unforeseen circumstances I signed up with Freedom Debt Relief to consolidate my debt in XX/XX/XXXX.Unfortunately, what I was promised by Freedom Debt Relief was not fulfilled. I sent out written notifications & called my creditors promptly as required/requested by Freedom Debt Relief. I deposited funds into my account with FDR per our contract.I am still feeling the effects of my bad decision.FDR did not contact any of my creditors as promised regarding my consolidation program & my credit score dropped 100 points!I cancelled services with Freedom Debt Relief requested for my funds to be released immediately, since they did not fulfill their promise. Finally, after a week of back & forth, the funds were released. If you need assistance with Debt Relief this company is not the one for you.
Consumer complaint received 2021-07-30
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. (NC)

I have notice unauthorized inquiries on my credit report. I have reached out to the creditor and the credit reporting agency and was not able to get my issue resolved. The creditor will tell me to speak with the credit reporting agency and vice versa. I placed an initial fraud alert on my profile on XX/XX/21. I have called, mailed letters and disputed online with the credit reporting agencies with no success.
Consumer complaint received 2019-12-16
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. (PA)

I had a XXXX  XXXX  auto loan that was included in my chapter XXXX   bankruptcy. I reported that the status was incorrect because after i rescinded my reaffirmation agreement on XX/XX/2019 the car was reentered into bankruptcy without penalty to me. I had a hearing on XX/XX/2019 and the decision letter from Judge XXXX  of the XXXX  District of PA officially declared that the auto loan agreement was rescinded. As well, the court docket of #XXXX could be viewed via pacer.gov. I have filed numerous complaints/dispute with all parties. Thanks to your assistance on a previous complaint, I was sent letters stating that this situation was resolved. However, when I log-in to Experian's: Total Credit Check membership site, the credit report and scores section states my 1)bankruptcy is still reported, 2) XXXX  XXXX  XXXX  XXXX  account is delinquent or past due; charged off; and current for the last month. All of this information is false and invalid due to my bankruptcy discharge as of XX/XX/2019.As well, I have a XXXX XXXX XXXX  old auto loan is reporting under their Credit Report and Scores section as charged off and negative. As well, I was told the public reporting of the Chapter XXXX   bankruptcy was removed or deleted. But that is not the case on the website.It is my opinion that Experian is refusing to change the information. I was thinking that XXXX XXXX  and XXXX XXXX XXXX was also complicit. However, your representative disclosed to me that prior complaints yielded a letter from XXXX  XXXX  stating they have cooperated completely.
Consumer complaint received 2021-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc. (NY)

Multiple derogatory marks were placed on my XXXX, XXXX  and XXXX  account regarding Simon 's agency. This company violated my FDCP rights by failing to 1. Send a 30 day letter to inform me of my debt 2 Failing to validate my debt 3 Failing to provide proof of their ability to collect in my county
Consumer complaint received 2019-12-16
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 company for XXXX put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a XXXX card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine
Consumer complaint received 2019-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAD FILED WITH CFPB ON XX/XX/XXXX19 TO HAVE THE LISTED ACCOUNTS DELETED BY STATING THAT THESE ACCOUNTS WERE " NOT MINE '' AND I UPLOADED MY IDENTITY THEFT REPORT. PRIOR TO XX/XX/2019 I HAD DISPUTED THESE SAME ACCOUNTS AND SUPPLIED AN IDENTITY THEFT REPORT BUT I HAVE NOT RECEIVED INVESTIGATIVE RESULTS REPORTS FROM XXXX, TRANS UNION OR XXXX. 

THIS IS THE THIRD ATTEMPT TO DISPUTE THESE FRAUDULENT ACCOUNTS AND I HAVE ATTACHED MY IDENTITY THEFT POLICE REPORT.
Consumer complaint received 2019-02-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AP)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX
Consumer complaint received 2017-08-01
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: LEXISNEXIS (SC)

This is in reference to CFPB case XXXX. I filed a complaint a month ago in Reference to a State Tax Lien that does not belong to me. XXXX sent a letter in the mail about a previous dispute and named Lexis Nexis as the reporter of the incorrect information. In the previous complaint , LN stated they were suppressing the invalid lien from my report. After this complaint was supposedly resolved, I again disputed the lien with XXXX and once again it was verified by Lexis Nexis, This my last attempt to get this deleted from my report before buying a house before I file with the BBB, Attorney General office in both states, as well as file suit with my attorney here in XXXX, SC
Consumer complaint received 2019-12-16
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: DISCOVER BANK (MO)

This company for discover put a credit card on my credit I advised them this was fraudulent I also filed a police report being a victim of identity theft the lady from investigation said she as going to investigate so she contacted the officer he explained to her that I filed identity theft and if anything was to come up the report would be valid as everything wouldnt show up on my credit if someone stole my identity at one time she goes to tell me to call him and update I finally got a hold of him to update then she says well were going to mark it as valid since you said you knew about the account for a year I never told this lady I knew about this account for a year I told her I had no knowledge until it showed on my report and she called me about it and I told her to play a recording of me saying I knew about it and she refused she just wanted to close her investigation and place it on me is against law for me to have to pay for a credit card that I did not open and is fraudulent and I have filed a police report last year in XXXX being a victim and this account she stated was open in XXXX this is a fraudulent account and I would like for this to be removed ASAP as it is against my rights for XXXX for a discover card that is jot mine the lady was just mad because I told her Im not paying for anything that is not my debt and she said well you told us you knew I said lady when if I told her that why would she contact the officer and wait for me to add it to the report because they are lying trying to get money out of me for an account that is not mine