davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-26
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. (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account XXXX  XXXX I did not give XXXX XXXX XXXX XXXX my consent to report my information to any non-affiliated third party. You furnished the information to the consumer reporting agencies not the other way around. Before my personal information is furnished, I was supposed to receive 3 disclosures. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes. Their inaccurate reporting has damaged my livelihood and reputation and is causing actual damages. 

I have recently come across information from the Federal Trade Commission website, more specifically the Graham Leach Bailey Act & Truth In Lending Act which I attached below.

15 U.S. Code 6802- Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

Lastly, this account is passed the statue of limitations and must be DELETED from all consumer reporting agencies immediately. 

A written response is attached below.
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

We had a loan with XXXX mortgage. We ran into personal issues and I left my job as a XXXX to care for my mother. We called XXXX they offered a Loan modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by XXXX. But the XXXX payment is showing on time. We had a full offer on our home and XXXX gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. XXXX said we never completed the XXXX Modification process. The loan modification process was started XXXX XXXX, We sold our home XXXX XXXX, XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with XXXX. When on XXXX XXXX XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, Transunion and Experian. This has been a nightmare. We are trying to get into a less expensive home. XXXX refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TN)

As you already know, Equifax was part of a credit breach of millions of Americans. My whole family was affected. It costs {$7.00} to put a freeze on our credit. That amounts to almost {$70.00} to freeze credit for our household. They told me I had to contact my attorney general in my state about this. I think Tennessee should be wavering this dollar amount because so many Tennesseans are affected.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Serving, Inc.has a scheduled foreclosure on my house XXXX XXXX, XXXX. The assignment being used is a robo signed by well known robo signers. XXXX XXXX  XXXX XXXX XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cut of date for this trust was closed when the assignment was created, and conveyed. The Pooling and Service agreement states the all mortgages must be conveyed prior to the cut off date or closing date of the trust. This can be found in section 201 of the loan trust filed with SEC. Therefore, the assignment is fraudulent, and fraud can not be the bases of obtaining a deed. 
Select Portfolio, was in the process of restructuring my loan while in this process of modifying my loan they denied me for any type of work out. I advised the of the DUAL TRACKING LAWS. I asked them to stop my foreclosure and they refused. 

The final issue is they have not responded to my demand for debt Validation Proof of Claim, or QWR
Consumer complaint received 2021-04-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

At the end of XXXX, XXXX, I was notified by XXXX XXXX XXXX XXXX Kansas XXXX ), a debt collector for XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX ), regarding an account with LVNV Funding LLC, in my name, pertaining to a credit card debt for {$610.00}. The account was opened XX/XX/XXXX and charged off XX/XX/XXXX as per XXXX XXXX report. I notified XXXX that I had never opened an account with XXXX XXXX XXXX  and that the address was not mine, besides the transactions were made in the XXXX area where I have never shopped. It was evident that my identity was stolen. I never heard back from XXXX, but LVNV who bought the debt, continued to place this information on my credit. I wrote to the 3 credit bureaus many times, over the years, disputing the debt and even sent a letter from XXXX XXXX XXXX, which indicated that I did not owe them any money. It is now 7 years later and LVNV, a company that seems to be in cahoots with the credit bureaus, has not removed the debt from my credit report despite the fact that they have never sent me the signature on the original contract used in opening the account. Under federal law, an unverified account must be deleted from the Bureaus. I have filed an identity theft report with the XXXX Sheriffs Office, which I will be forwarding to the Bureaus.
Consumer complaint received 2021-04-06
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: EQUIFAX, INC. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.
Consumer complaint received 2021-04-06
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: STERLING JEWELERS, INC. (PA)

My records associated with the account XXXXKay Jewelers with account number XXXXXXXXXXXXXXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX/Kay Jewelers but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2021-04-06
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: CAVALRY INVESTMENTS, LLC (PA)

My records associated with the account Cavalry Portfolio Services with account number XXXX do not complement with what the Credit bureaus XXXX claim as a " validated as accurate ''. I never had contractual relationship with this company and they have failed to provide lawful debt validation. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to Cavalry Portfolio Services but I did not receive what I asked and these violations persist on my credit report.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (OR)

I have been approved for a mortgage, through underwriting and everything else, with two separate lenders. Both lenders indicated a willingness to close two weeks prior to the scheduled closing date. I am now 72 hours from the original closing date, and still have not received disclosures from either lender. The title company has expressed grief at having to perform the calculations twice. They already pressured me to choose a mortgage before I even know the price. Good grief! 

Quick question : at what point should a consumer have the right to know the closing costs and monthly payment? How can a consumer comparison shop if disclosures are unavailable prior to closing? 

Another question : why are deadlines based on the closing date? It would better for consumers if deadlines were based on application dates. A consumer should know approved or disapproved status within 45 days of submitting an application. A mortgage should never ever be considered APPROVED until the consumer APPROVES it. A consumer would obviously need to know the price prior to approval. 

I ca n't believe 10 years later, and lenders still do n't have to disclose costs prior to closing. This process is ripe for misleading consumers, trapping them at the last minute. I guess some dirty tricks are just too profitable to stop.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Every year I call to cash out my rewards points and Bank of America always adds an additional XXXX points as a " thank you '' for being a long time customer. Every year these extra XXXX points take about 3 to 7 business days to process and they are ready for me to cash out. You will be able to pull my history and see this fact from prior years. 

This year I did the same process on XXXX though for some reason the XXXX points were still pending after the above time frame. On XXXX I spoke with BofA Rep XXXX and he apologized, said it should never take this long and gave me an additional XXXX points for the trouble caused. Plus he said he was writting up an Expedited email, Ticket # XXXX to make sure all XXXX points would be available to cash out on XXXX. 

On XXXX the points still were not processed so spoke with BofA Supervisor XXXX XXXX at XXXX who PROMISSED that the points would be ready for me to cash out XXXX. You can pull the recorded calls on both the above BofA Reps to confirm what they promised. 

On XXXX the points still were NOT processed. So I spoke again with XXXX and he and his Manager XXXX XXXX at XXXX pulled both above calls and bottom line, XXXX came back to the phone to say he and XXXX made a mistake in their promises. 

However will honor the above additional points though it would be ANOTHER 7 to 10 Business days. Please note, this time frame is just to approve the points,  it takes an additional 10 business days to receive the actual check. 

I asked that since the agree, it was their mistake, to owner what the Reps said and approve the points immediately and to send the cash out check via priority mail. XXXX said NO! So I filed a complaint with BofA Corporate office XXXX XXXX, Manager XXXX XXXX in the Delaware office. 

Received a call from XXXX XXXX on XXXX basically going over AGAIN why they will not expedite this process then said, " I am just going to be blunt, you should find another credit card company! '' Unacceptable so now I do not know if XXXX is now preventing my points from processing. Plus, you should never speak to a customer this way.
Consumer complaint received 2021-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (AL)

I am just overwhelmed in paying on this loan. The more I pay, the balance increases. I have paid almost {$3000.00} on this {$6000.00} private student loan, and would like to make a lump sum payment, but afraid this payment will end up floating in the air and not making a dent in the principal balance. AES will not negotiate a payoff and are being hard nosed as usual. Paying {$12000.00} to pay off this loan is a rip off and needs to be investigated. My experience with AES is that of a predator lender.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$15000.00}.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Security National Automotive Acceptance (LA)

XX/XX/XXXX I contacted SNAAC to let them know that Ill be getting out of the XXXX and was trying to see if I can lower the payments. They never responded back to my voice messages. XX/XX/XXXX they repossessed my car. A few months later they sent me a letter stating that they auctioned off the car and I owe a remaining balance. I paid off the remaining balance of {$8000.00}. Around XX/XX/XXXX or XX/XX/XXXX, a sheriff came to my house with some paperwork stating that I still owe a remaining balance of {$8000.00}. If I dont pay it then theyll start garnishing my wages. XX/XX/XXXX, the sheriff came back with a court date. Im confused because I paid the {$8000.00} but theyre saying that I havent paid it.
Consumer complaint received 2023-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

HI, MY NAME IS XXXX XXXX SINGLE MOM TRY TO STAY AT MY CURRENT HOME I BEEN HERE FOR 17 YEARS THOUGHT THE PAST 3YEARS LIFE HAVE MANY CHANGES XXXX XXXX XXXX XXXX XXXX XXXX FOR A MOTHS ALSO MY CHILD .THAT WAS THE FIRST TIME THAT APPLY FOR THE LOAND MODIFICATION TO LOWER THE PAYMENT/ WHAT THEY DI THEY PUT ME IN TRIAL FIRST .AFTER TRIAL OVER 3MOTHS WAS OVER THEY TOLD ME I WAS ABLE TO MAKE THE PAYMENTS,, AND I DINT QUALIFIED BECAUSE IS NOT THE BEST INTEREST FOR THE LENDER, BUT CONTINUE.DEMANDING FULL PAYMENTS KNOWING IN PAPERS THAT I CAN ; T COME UP WITH THE PAYMENT.OVER WORKING THEM FOLLING YEARS EVERYTHING GOT WORSE ECONOMY PRICES FOR GROCORIES WHEN UP SKY FUEL AND SO ON WORKING 7 DAYS GOT SICK MANY TIMES BECUSE NOT RESTING .MY INCOME HAS BEEN THE SAME, SO APPLY AGAIN FOR LOAN TO BE AFFORDABLE THEY SPEND OVER 3MOTHS TO REVIEWS MY DOCUMENTS AND EVERY TIME THEY ASKING FOR REDICULOUS PAPER, WHEN FROM THE BIGGINING I SUMIT TAX DOCUMENT FOR TWO YEARS 3MOTHS PROVEE OF INCOME EVERY THING THEY ASK. 
AT THE END OF THE 3MOTHS THEY CALL ME TELLING ME THEY DONT GOT ANY SOLUTIONS FOR ME THAT I DONT HAVE ENOUG INCOME .BUT AFTER THAT CONVERSATION WITH XXXX / 3DAYS LATER SELECT PORTFOLIO DEMANDING FULL PAYMENTS .EVEN MY ESCROWS ACCOUNT IS HIGHER THEM PRINCIPAL AND INTEREST ..ALSO PREVIOUS 2MOTHS THEY HAVE MAKE ERROR IN MY ACCOUNT/ REPORTING TO THE CREDIT BUREA THAT I OWN THEM MORE/ I DISPUTE THIS THEY FIXED BUT, NOW THEY ASK FOR MORE $ TO ESCROW XXXX XXXXTHEY LIE TO ME/ I BEEN GETTING SEVERE STRESS BECUSE OF THIS SELECT PORTFOLIO IS A MORTAGE THAT HAVE BEEN PLAYING THIS DIRTY GAME TO HOMEOWNER ALL OVER U.S.A .AND GETTING AWY BY KEEPING THE HOME FOR THE HOME OWNERS AT THE END SELECT PORTFOLIO THEY DONT WANT TO HELP YOU..THEY WANT TO KEEP MY HOME? THE LENDER THEY KNOW MY HOME IS VALUE TO KEEP FOR FREE IS NOT A JUNK HOME OR BAD NEIGHBORHOODS/ OTHER WISE LONG AGO, LONG AGO THEY WILL MODIFIED MY LOAND OR GIVE ME, OPTIONS. SO AFFORDABLE ABLE TO MEET THE PAYMENT WITH OUT STRESS .NOW SELECT PORTFOLIO THEY ARE SAYING I GOT 30DAYS TO APPEAL THERE DECISIONS MAKING ME BELIEVE THEY WILL DO SOMTHING // THEY JUST WANT TO KEEP MY HOME /THEY GOT VERY BAD REPUTATION.IS THE WORSE COMPANY EVER .EVEN GOT LAWSUIT IN THE SUPRIME COURT FOR THE SAME ISSUE REFUSES TO HELP THE HOMEOWNERS.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

My account with EQUIFAX 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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