davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
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. (OH)

On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (SC)

On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. 

Here are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX
Consumer complaint received 2022-08-09
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. (IL)

XXXX was sent various letters regarding their investigation process and violations that appear on m personal credit report. Personal information was also erroneous and was updated only after requested. This includes wrong names, addresses, phone numbers, and open dates on accounts. Amounts owe on accounts were in error across all three credit bureaus. The status of accounts was incorrect as one account was closed and reopened as active. XXXX sent a stalling letter as a response to a letter sent to state how they verified the information in my personal credit. Currently, there has been no response to this letter. Letters were sent to Equifax and XXXX to address the investigative process according to the law
Consumer complaint received 2023-03-16
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: SANTANDER HOLDINGS USA, 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 purpose.
Consumer complaint received 2020-07-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (WA)

I paid Amerisave Mortgage Corp {$500.00} as part of an application to refinance my mortgage. They have taken the money but not done anything with the supposed refinance. They refuse to return calls or emails ( dozens of them ) and we can't get our money back. This process started back in early XXXX, it is now XXXX.
Consumer complaint received 2022-07-19
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. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  ; - Account XXXX XXXX # XXXX - Account XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc. (FL)

I have a credit card with XXXX XXXX and I have paid the resting amount and it still shows up on my credit and its saying they charged a 2 dollar fee and they said it was a mistake and it still shows up on my credit and my credit score went down And I want that fixed.
Consumer complaint received 2021-01-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NE)

I bank with Current online banking. My account has been locked for about a month now dating back to XX/XX/2020. I was told Id be contacted within 3-5 days by their account service team which I have not. Ive talked to over 8 people and theyve all said the same thing. They wont unlock my account, contact me, or let me pull the money that was put in there from direct deposit out at all. Ive emailed them 5 times already and still nothing
Consumer complaint received 2022-01-18
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. (OH)

Experian, XXXX and XXXX have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave experian consent to create.
Consumer complaint received 2020-09-08
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. (OH)

On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX  XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Albert Corporation (TX)

I was supposed to had gotten paid XX/XX/2024. So I waited until XXXX  XX/XX/XXXX and I still did not see anything in my account. I had contacted the bank twice and they still can't figure out where my money is. I've contacted my PM, and HR, and they both said my paycheck was sent with no problem, and to contact the bank to see if they are holding it. I told them this twice, and the automated text keeps sending me the same thing, saying make sure my PM or HR sent it. They sent it, and now my paycheck is in limbo. My bank said that they would figure out what's going on but for the past two days, I have no answer and it's extremely frustrating because I have bills to pay, and I have children to feed. This is a BIG inconvenience for me and my family.
Consumer complaint received 2022-07-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-19
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MA)

I had received a notice from a debt agency ( Transworld Systems Inc. ) in XXXX of XXXX that I supposedly owe a certain amount of money from the creditor of XXXX XXXX XXXX. My family and I were moving at the time so I was not made aware of this notice until XXXX oXXXX XXXX. In which I had sent a validation letter on XX/XX/2021 to have this company prove that I am the person they claim in which this debt belongs to, in which they proceeded to send me a letter with a bill on XX/XX/2021, but no verification that I am in fact the person that owes this debt of {$430.00} ( in which " the account balance may be periodically increased due to the addition of accrued interest, as provided in the agreement with the original creditor ... '' ). I had sent them another letter, reiterating that they have not verified that this is my debt on XX/XX/2021 that I was expecting -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature Once again they had sent me a letter of just the bill of the breakdown of the payments that I supposedly owe, but there was no contract bearing with my personal signature, that I had originally asked in bother letters.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a mortgage with Bank of America. I am currently on a forbearance due to pandemic hardships. I applied for a loan modification. During the process several documents were lost, my case was mixed up with another customer who was under bankruptcy. Several critical errors were made including miscalculation of my monthly income. My modification was eventually denied on XX/XX/XXXX due to my monthly income being too low. Bank of America states my income is {$4000.00}. This is NOT my monthly income. It is substantially higher and I have submitted required proof of this to B of A. B of A is refusing to provide any documentation of how they determined or arrived at this figure. B of A is refusing to provide verbal confirmation of how they arrived at this figure. I appealed the decision on XX/XX/2021 within the required timeframe to do so. Bank of America did not once call me to verify if the documents on file for my income were correct. Bank of America did not verbally or in writing request any type of resubmission of documents to substantiate that my income is in fact higher than what is currently being calculated by B of A. On XX/XX/2021, B of A denied my appeal by only stating that my income of {$4000.00} is too low to qualify for a loan modification. But again, that is not my monthly income and I can prove it and have done so. There must be transparency in this procedure. B of A could be selectively choosing which income documents the use to yield a lower monthly income and deny me. Bank of America could be missing critical income documents that show my full monthly income since there is more than one source of income. Again without transparency, I dont know and my right to seek a modification and adequately represent myself is being violated. Also without transparency and full disclosure on the part of Bank of America or any bank, it opens the door for fraudulent denials. No corporation should be allowed to act without merit at anytime but more so should be held to even higher standards during a pandemic.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof. When questioned about this, they decided to not provide proof at all. 

I sent them another certified letter delivered on XX/XX/2020. To date, they have not provided proof of their investigation. They've had over 60 days to send me proof, and they have consistently ignored my requests.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (NY)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 Section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021 I sent a letter to the credit bureau as recommended disputing items on my credit report that were inaccurate and did not look familiar. I explained in the letter the items that should be investigated. To date, I still not have received a response from the credit bureau. Based on the law it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been 30 days and I recently checked my credit report again and it is still showing the same items I disputed. Prior to submitting this complaint I also wrote a letter demanding them to respond because it is has been 30 days and I should have received some type of response by now. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (TX)

Exeter Finance is in violation of 15 USC 6802- I have asked the creditor in a letter to Opt-Out of this information that is on my credit report and that it be removed from my credit file immediately. If this was not done, I will file a small claims legal action against this creditor, should this matter not be resolved by XX/XX/XXXX. 

They are in further violation of 15 USC 1681 & 15 USC 6802-6805.

I am exercising my right to opt OPT-OUT having this reported on my credit file and also dispute that it even exists, as the amount was charged off.

This creditor is now in violation of my consumer rights according to 15USC 6802 and is also in violation of the Privacy act of 1974. 

I was affected by XXXX XXXX and creditor would not assist in my distress. The vehicle was repossessed and auctioned off and balance was sold to XXXX XXXX, both have on my credit report and the amounts that are being reported are inaccurate.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC. (TX)

Loan company has contacted multiple family members informing them of my debt. I have asked the loan company to stop contacting them as this is my personal business. She stated that she would continue to do so. I have text from my brother that state what they told him as well as a recording from the phone call today. STOP CONTACTING MY FAMILY. If I owe a debt contact me! The LAW states they can only contact once and can only contact again if they feel that information they received such as contact information for myself is incorrect. It is CORRECT, do not contact my family again.
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mendelson Law Firm (MS)

I was sued without my written consent and no knowledge of this alleged debt that the third party debt collection agency MENDELSON LAW FIRM claimed I owed. MENDELSON LAW FIRM has failed to send validation of debt and committed identity theft because I never gave written consent for them to use my social security number which is a federal crime/ fraud under the social security act. Attorney 's XXXX XXXX, XXXX XXXX, and XXXX XXXX are not obeying the FAIR DEBT COLLECTION PRACTICES ACT laws as well violating many more federal violations.
Consumer complaint received 2020-09-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (CA)

After XXXX rep advised me to take action that would be harmful to my account without discussing the ramifications of that action, she called to inform me that my account was being removed from their program. I told her that at that point, all future communications needed to be in writing. Today I received another phonecall from a different XXXX rep. She advised that there were no notes to indicate written contact only and that she would update their system.
Consumer complaint received 2022-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL) (FL)

AR RESOURCES , INC . 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX To : The Office of Registered Agent for AR RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXXXXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 



By : XXXX XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (LA)

I have reached out to XXXX and XXXX numerous times, the last time being, XX/XX/2024 stating that they are both reporting different total balances as well as inquiries, delinquent and derogatory reporting. 
Also XXXX XXXX  and XXXX XXXX are both reporting different opening dates on XXXX and XXXX. 

I am opting out under 15 USC6805
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: EQUIFAX, INC. (GA)

I have a loan with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXX XXXX XXXX  XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 59 days late.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

I COMPLAINED THAT I COULD NOT GET MY CONSUMER CREDIT REPORT. 

THE RESPONSE WAS " WE RECEIVED A COMPLAINT THAT YOUR CREDIT REPORT CONTAINED INNACURATE INFORMATION '' I DID NOT SUBMIT SUCH A COMPLAINT. 

" WE RESEARCHED THE CREDIT REPORT, AND IT WAS ACCURATE '' THE CFPB CLOSED THE COMPLAINT INDICATING THAT IT WAS RESOLVED. 

THIS GOVERNMENT AGENCY IS A XXXX AND SHOULD BE DEFUNDED AND CLOSED.