davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-10
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. (CA)

Equifax collects data on me that is used by others to determine credit score worthiness. This includes sensitive personal data, which may be used by others to commit identity theft. Due to weak security practices, Equifax let this data by stolen by others, and now I live with the fear of identity theft looming over my head.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (NY)

VALIDATION AND CEASE AND DESIST Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2017-09-09
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. (CA)

On XXXX XXXX, 2017, I visited the website https : //www.equifaxsecurity2017.comXXXX to see if my information was compromised in the Equifax security breach. When I entered my social security number and last name into the required fields, I received the following message : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' ( I declined the offer to enroll in XXXX XXXX, as I was concerned about how it would affect my ability to take legal action against Equifax if necessary. ) Based on this response, I 'm concerned that my personal information has been misused, and may be available to those who would use it to steal my identity. I have already placed a 90 day fraud alert on my file, and my credit report does not list any unauthorized activity. However, if my information has been compromised, then these things could still happen in the future for the rest of my life.
Consumer complaint received 2024-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (FL)

I sent Americollect several letters including an XXXX XXXX XXXX dated XX/XX/year> and a letter dated XX/XX/year>. Americollect has failed to respond to the affidavit. This third-party collection agency had no permission to furnish the three credit bureaus any information about a debt there was no consent orally or in writing permitting them to apply this information to my credit report. This company did not send me the original promissory note/agreement. I was not given a Signed agreement that the debtor made with the debt collector about XXXX XXXX paying the debt collector. I also did not receive a signed affidavit from Americollect disputing my allegations against them. This company has harassed me and is trying to defraud me of my money. I asked Americollect to complete a w-9 form so I can send in that document to the IRS for this company to pay taxes on any funds I have to pay to this company. This company acting under the color of law. I have attached my copyright form to let you know my rights will not be violated by any company.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

I am writing to dispute certain hard inquiries that appear on my credit report. These inquiries were made without my authorization or knowledge and are negatively impacting my credit score. 

The unauthorized hard inquiries are listed as follows : Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor Name : OneMain Financial Date of Inquiry : XX/XX/XXXX Creditor Name : OneMain Financial Date of Inquiry : XX/XX/XXXX Creditor Name : OneMain Financial Date of Inquiry : XX/XX/XXXX I did not initiate or authorize any credit application or transaction with these companies, and I am requesting that these hard inquiries be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or unauthorized information on my credit report. Please conduct an investigation into these inquiries and provide me with the results of your findings. 

If the inquiries can not be verified or if they were made in error, I expect them to be removed from my credit report promptly. Additionally, I request that you provide written confirmation of the removal once the investigation is complete. 

Please respond to this request within the legally required 30-day time frame. 

Thank you for your time and attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

This company is continuing to request payment for accounts that I do not owe on. 
{$810.00} from : XXXX XXXX on XXXX XXXX, 2014 on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with EQUIFAX. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (SC)

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big City Finance, LLLP (TX)

I applied online for a short term loan in XXXX. Within minutes Power Finance called with a loan offer of {$800.00}. I should have turned it down, because the loan ended up being one that by XXXX, I would have paid {$3000.00} back I was not able to pay it back in a month. Each month I got more and more behind with other bills. In XXXX I made a payment of {$400.00}, then XXXX - XXXX, the payments were {$500.00}. By XXXX, I was only able to make a payment of $ XXXX.By XXXX I had paid {$2200.00} back Instead of working with me, they said I should refinance. I got {$53.00} from doing that, but then the agreement was to pay {$600.00} each month, through the rest of the year. So far I have paid almost {$3000.00} ( {$2800.00} to be exact ). If I continue to pay the monthly payments, I will have paid over {$5000.00} by the end of the year. This makes me feel as though I am dealing with loan sharks. This would be considered a predatory loan, in my opinion. They definitely prey on people.
Consumer complaint received 2017-09-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (GA)

Hello : I have been given several forbearance and deferments instead of help by XXXX XXXX to get a affordable payment. Now they say I have run out of deferments and qualify for no repayment plan. I notified them I needed help right now because I am in process of purchasing home in program. i can get through with no one on phone like when they used to call for deferments and delaying my payments. They have taking my credit score down 77 points, I am a XXXX XXXX XXXX for 20 years in a XXXX XXXX XXXX. I have been trying to get help with forgiveness but they are continuously charging me and affecting my score and are unreachable on the phone. It unbelievable how XXXX XXXX is taking pride in destroying my credit. I asked them a month ago to take these late payments that they posted right after my forbearance ended. Every month they make my score go lower, This is terrible ... i am a single mother who XXXX and was in the process of purchasing a home for me and my children ... 

Thank you for your help in this matter
Consumer complaint received 2017-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XX/XX/2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this issue. The manager I spoke to told me they DONT DISPUTE inquiries when I know that 's not true. I need these inquiries removed as they are hendering my home buying process for my children and I.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IN)

On or about XXXXXX/XX/year> I woke up to a ton of XXXX charges on my card. There were so many the bank started to stop them on their own. I filed a claim and was given a credit. In the last couple weeks all my claims have been denied and all of the money I was credited was taken back. I called customer service twice on XXXX. The second time I finally got to who I thought could help me but no. He gave me the run around with a side of word salad. I never got the letter that said all my claims were denied and why and they wont tell me on the phone.
Consumer complaint received 2017-09-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Guild Holdings Company (TX)

RE : GUILD MORTGAGE CLOSING FOR PROPERTY : XXXX XXXX XXXX XXXX XXXX FL XXXX I RECENTLY APPLIED WITH GUILD MORTGAGE FOR A VA LOAN : XX/XX/XXXX. I RECEIVED PRE-APPROVAL AND UTIMATELY RECEIVED CONDITIONAL APPROVAL ON THIS LOAN APPLICATION IN PROCESS. I HAVE FULLY COMPLIED WITH ALL INFORMATION & DOCUMENT REQUESTS REQUIRED OF MY WIFE & I, TO DATE. WE WERE DUE TO CLOSE ON : XX/XX/XXXX ISSUES AT HAND : I HAD NOT RECEIVED ANY COMMUNICATION / CORRESPONDANCE FROM MY LOAN MANAGEMENT XXXX ( XXXX XXXX ) IN EXCESS OF A WEEK PRIOR TO THE PLANNED CLOSING. AS OF XX/XX/XXXX, I NEVER RECEIVED ANY FORM OF COMMUNCATION REGARDING THE STATUS OF MY LOAN APPROVAL COMPLETION OR HOW TO PROCEED, FROM MY LOAN MANAGER. THE UNDERWRITER TEAM AT GUILD MORTGAGE ( CONSISTING OF THE UNDERWRITER-XXXX XXXX, THE UNDERWRITER 'S MANAGER AND THE UNDERWRITER ASSISTANT-XXXX XXXX ) TO DATE, I HAD ONLY RECEIVED COMMUNICATION WITH XXXX XXXX. ANY ATTEMPTS TO SPEAK DIRECTLY WITH THE UNDERWRITER OR MANAGEMENT ARE DENIED. I HAVE ONLY PREVIOUSLY RECEIVED STALLED OR VAGUE EXCUSES IN REPLY TO MY REQUESTS FOR STATUS UPDATES. NO REPRESENTATIVE FROM GUILD MORTGAGE HAS TAKEN THE TIME TO EXPLAIN OR ADDRESS THE HARDSHIPS IMPOSED ON THE PARTIES INVOLVED IN THIS CLOSING PROCEDURE OR HOW ANY POTENTIAL ISSUES/PROBLEMS COULD HAVE BEEN AVOIDED OR RESOLVED MUCH EARLIER ( 3-4 WEEKS AGO ) IN THIS PROCESS. 

I MADE MULTIPLE ATTEMPTS TO SECURE A TIME FOR ALL PARTIES TO CLOSE. THE CLOSURE DATE WAS POSTPONED BY ONE WEEK ( XXXX ) AND ULTIMATELY CANCELED BY GUILD DUE TO AN UNDERWRITER " DENIAL ''. XXXX XXXX DISCLOSED TO ME THAT THE MANY MISTAKES MADE REGARDING THIS APPLICATION PROCESS WERE MADE BY GUILD MORTGAGE. THE SELLERS RE-LISTED THE PROPERTY FOR SALE AND RETURNED OUR EMD. 

ON XXXX, I WAS PROMISED TO HAVE MY EXPENSES REIMBURSED TO ME ACCORDING TO THE GUILD MORTGAGE CREDIT APPROVAL CERTIFICATE GUARANTEE. AT PRESENT ( XXXX ), I HAVE NOT RECEIVED ANY REIMBURSEMENT OR BEEN CONTACTED BY A REPRESENTATIVE OF GUILD WITH THEIR INTENTIONS. FURTHER EXAMPLES OF THEIR UNPROFESSIONAL BEHAVIOR. 

OTHER NAMES OF INDIVIDUALS AT GUILD THAT WOULD NOT RETURN OUR CALLS OR EMAIL REQUESTS : XXXX XXXX, CEO GUILD MORTGAGE XXXX XXXX, ASSISTANT ( XXXX ) EMMY XXXX XXXX XXXX XXXX XXXX XXXX, STAFF ACCOUNTANT, SOUTHEAST ( XXXX ) XXXX XXXX, MANAGER ( XXXX ) AS A XXXX XXXX XXXX VETERAN, I HAVE NEVER EXPERIENCED THIS TOTAL LACK OF CUSTOMER SERVICE FROM A MORTGAGE LENDER OR ITS AFFILIATES. MY WIFE AND I WERE HANDLED UNFAIRLY, UNPROFESSIONALLY AND UNETHICALLY. THIS TEAM DOES NOT LISTEN TO THE NEEDS OF THE CUSTOMER. I WILL PROVIDE ADDITIONAL DETAILS UPON REQUEST. 

MY OBJECTIVE IS CLEAR : TO CLOSE THE LOAN ON THIS PROPERTY ( WHICH WAS TO BE MY PRIMARY RESIDENCE ) IN AN EXPEDIENT & PROFESSIONAL MANNER. TO RECEIVE REIMBURSEMENT FOR MY EXPENSES IN AN EXPEDIENT MANNER, AS PROMISED. 
PLEASE MONITOR AND PROHIBIT COMPANIES LIKE GUILD MORTGAGE FROM USING THESE BUSINESS PRACTICES WITH OTHER POTENTIAL CUSTOMERS IN THE FUTURE. 
PLEASE PROVIDE US WITH THE ASSISTANCE TO ACCOMPLISH THESE TASKS? TY!
Consumer complaint received 2017-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I had a mortgage with XXXX. After Hurricane Irma, I contacted XXXX who offered a forbearance. They offered 3 options. One of the options offered was to have three months payments moved to the end of my loan without penalty. this is the option I chose. This was all done on the telephone. I did not make my next payment thinking that it would be moved to the end of my loan.
Within a couple of weeks, XXXX sold my mortgage to SLS ( Specialized Loan Servicing LLC ). When I contacted SLS, they advised that at the end of the forbearance a balloon payment for any payments missed would be due. They advised that moving the payments to the end of the loan was not an option. I asked if SLS was going to honor the offer from XXXX. they advised that they did not have anything from XXXX saying that they were allowing payments to be moved to the end of the loan. I contacted XXXX ( XXXX @ XXXX, XXXX  XXXX ). XXXX advised that moving the payments to the end of the loan was, in fact an option they offered and SLS would be required to honor the offer. I have now missed a second mortgage payment and SLS is saying that they are waiting on XXXX to advise if they were going to honor that option. I was told by SLS that they have received several complaints from customers that were with XXXX and are now with SLS over this same issue.
Consumer complaint received 2017-09-10
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. (MD)

Equifax announced that there was a breach of over 143M consumer names drivers licesnese social security numbers date of birth and other very critical information. Equifax has information with respect to who is impacted by the Breach but require a consumer to waive legal rights in order to obtain that information. 

Time is of the essence to find out but if you use equifax to tell you they will require you to waive certain legal rights including rights to Class Action Lawsuits. 

I request the company provide via all means possible immediate and unrestrictied notification of the breach and the natture of the breach as well as offer on an unrestricted basis any and all protections for credit in that situation without constraint and without the cute little notice that provided for free but then converts automatically to a paid account. 

The head of the CFPB should be in direct contact with Equifax and tell them that all operating authorit will be withdrawn until they are in compliance
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (FL)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section XXXX of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



XXXX. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



XXXX. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

XX/XX/XXXXXXXX XXXX  XXXX