davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (GA)

Guild Mortgage This is about a Consumer Credit Transaction initiated on XXXX XX/XX/XXXX, with your financial institution executed by way of signing an Agreement " Document ''. As per 15 USC 6827 ( 3 ) " The term document means any information on any form. '' The provisions of 15 USC 6801 ( A ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. 
In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic persona information to nonaffiliated third parties ( XXXX, XXXX, and XXXX XXXX. 
According to 15 USC 6809 ( 4 ) ( A ), the term " nonpublic personal information '' means personally identifiable information- ( i ) provided by a consumer to a financial institution- ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) Otherwise obtained by the financial institution. 
Furthermore, pursuant to 15 USC 6809 ( 5 ), the term " nonaffiliated third party '' means any entity that is not an affiliate of or related by common ownership or affiliated by corporate control with the financial institution, but does not include a joint employee of such institution. 
Therefore, as per the literal interpretation, the organization name XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 
In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has violated the provisions of the FCRA ( Fair Credit Reporting Act ). 
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. 
Under 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicated other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 
Therefore, your Company ( Guild Mortgage ), has not only infringed my rights to privacy but also violated multiple Federal laws. 
I hereby request you to remove the following information from my Consumer Report : - Late payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
- No longer report my nonpublic personal information to any nonaffiliated third party from this day forward. 
If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX is reporting a late payment on a loan that I was never late on. I reached out to them and ask them to please correct this with the credit bureaus as they had no proof of the account being late because the account was on XXXX and I paid it early every month even with it being on XXXX. This was not corrected. I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. Please delete these alleged late payments from my credit report if you can not supply this. Per 15 USC 1666b a creditor may not treat a payment on a credit card/loan as an open ended consumer credit plan. Please update the payment history as PAANL status ( Paid as Agreed Never Late ). Its also showing late on XXXX.
Consumer complaint received 2023-02-25
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. (FL)

This person Is reporting late payments to XXXX, Equifax, and XXXX without the consumer consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive formsPlease remove all late payments account - XXXX XXXX account number - XXXX
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

mr cooper is both identfied wrong on my credit file it should br mr cooper not XXXX  the correct listing is mr cooper and amount owed is wrong i owe XXXX not {$85000.00} they have listed so me missing payments are somebody fault there not mine do what you have to thanks
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NC)

In XXXX I received notification from my credit monitoring service that there was a potentially negative post to my credit report. I immediately reviewed this alert and found it was a past due payment of {$11.00} from Wells Fargo. I was surprised by this as I had not used this particular credit card in more than two years. I called Wells Fargo and they told me there had been a random one-time charge to my account and it had not been paid in 30 days so they notified the credit bureaus. I asked them why they didn't contact me and they said they sent me notification, they emailed me and they called me. I received no communication from Wells Fargo. I asked the woman if they left a message when they called and her response was that they were not obligated to do so. The first thing I did was pay the {$11.00} and received a confirmation. The next day I receive another alert that Wells Fargo had sent this to collections -- after I paid the past due amount. I contacted the credit bureaus to see if they could help and they informed me that I would have to take this up with Wells Fargo. I called back and got my issue escalated to the Executive Offices of " Collections '' who said they would look into it and call me back within a week, which they did not do. I followed up again on XX/XX/XXXX and they told me that my case had not yet been assigned to anyone and they would try to expedite it and I should hear back no later than XX/XX/XXXX. On XX/XX/XXXX, I received a call from the Executive Office and the gentleman told me that they had reviewed my complaint and that there's nothing they could do. His comment to me was that they are only a bank and can't influence the credit bureau because they didn't do anything wrong. I asked to speak to a supervisor and he told me that there was no one any higher up. I told him I was going to contact the Consumer Financial Protection Bureau and he said he'd make note of that before he closed my case. I have been a client of Wells Fargo for many years and it's highly disturbing that this is how they treat their loyal customers. It's no wonder they are losing customers and they can't find a new CEO. No one wants to deal with them. I have closed all my accounts. The sad part of all of this is that pre this issue, my credit score was XXXX. This little {$11.00} incident, dropped my credit score to XXXX. Thank you very much Wells Fargo. What goes around comes around.
Consumer complaint received 2023-05-13
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. (FL)

I am a victim of identity theft. This item was disputed previously and was removed from credit bureaus but Then was reinserted. This was an account which was opened in my name. I disputed the information a few times since being reinserted and sent over my affidavit of information regarding the dispute in question. In accordance with the FCRA they are supposed to block this item from my credit in which they have not. They are still reflecting on Experian and XXXX. The other bureau XXXX has already removed the item in question and updated their system. Experian and XXXX is giving me a hard time and i take this matter seriously as they are going against the FCRA. I request this item off as it is hindering my credit worthiness and do not belong to me. I also submitted documentation that support my complaint, where the other bureau XXXX it was removed. thanks
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX Balance : {$110.00}
Consumer complaint received 2023-05-10
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXXXXXX 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
Consumer complaint received 2023-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (ME)

On XXXX I received notification of a derogatory account on my credit history from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX that XXXX XXXX XXXX XXXX placed debt in collections with them. 
However I have never had services with XXXX XXXX XXXX nor did I ever receive equipment from them.
Consumer complaint received 2023-01-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2023, the XXXX XXXX XXXX branch of Chase Bank conducted a three-hour long investigation that concluded that Chase erroneously closed two of my CD accounts, totaling an amount of {$75000.00}, and mailed a check to my previous address. I was told that a check for that amount would be re-issued to me within 10 days. It has now been over 20 days and I have not received the funds that are rightfully mine. I would appreciate your assistance in contacting Chase Bank to look into this eggregious matter, as misappropriation of {$75000.00} represents a hardship to a senior like me.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2022-11-23
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (TX)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX  XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX  XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-13
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)

I requested credit verification for the negative account on my credit but they send seemly did nothing to remove the wrongful account on my report. I disputed them through XXXX XXXX, and XXXXXXXX XXXX and they still failed to remove them. Some of which are even over 5 years. Please help.

XXXX XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Prosper Marketplace, Inc. (IN)

XXXX XXXX @ XXXX and she assured me that my autopay min XXXX for XX/XX/XXXX would come out on XX/XX/XXXX ( XXXX was a sunday ). 

Recieved email the XXXX indicating that my payment was past due Called @ XXXX spoke with a rep who indicated I wasn't set up for Autopay. Transferred to supervisor XXXX and she said " You don't have a late fee, and no payment was due until XX/XX/XXXX. To which I replied that doesn't seem correct, a payment should have come out XX/XX/XXXX. XXXX assured me that no payment was due until XXXX. 

Recieved an email indicating no late fee. 

Recieved an email on XX/XX/XXXX that my payment was still past due. 

Called and spoke with rep who Transferred me to XXXX XXXX, and she explained that bc I made my payment on XX/XX/XXXX ( stmt cycle ends on the XXXX ) that is why my payment didnt come iut as autopay on XX/XX/XXXX. I made a payment of XXXX today, and she assured me that my payment would come out on XX/XX/XXXX. I said " Hold on, I made my payment on XX/XX/XXXX, and my XXXX payment didn't come out, and I am making my payment XX/XX/XXXX, so with that logic it won't come out XX/XX/XXXX '' she said no it will. So if that is the case why didn't my XXXX payment come out?? She says that is different. Asked to speak with sup to which she says " No sup is available, I will have them call you back ''. I indicated I am still waiting for 3 sup calls from XXXX. 

Either the reps don't know what they are doing or they are trying to get more fees...
Consumer complaint received 2024-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (OK)

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from CREDIT MANAGEMENT COMPANY : XXXX. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and Oklahoma Statues for Lawful Purposes.

3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 

I hereby give you XXXX ( XXXX ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within XXXX ( XXXX ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section XXXX of the Protection from Harassment Act XXXX and the Administration of XXXX XXXX XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing 'alarm, distress, or humiliation ; because of their frequency or manner. 

Best Regards, by : XXXX : XXXX XXXX XXXX, beneficiary All Rights Reserved
Consumer complaint received 2024-04-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (FL)

Santander consumer USA said I owe XXXX for a car that I dont have. 


It was ) XXXX and then they said {$10000.00} but I do not own the car and they know I cant apply for another vehicle without this fraudulent car paid off.
Consumer complaint received 2023-02-27
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. (MD)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2019-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc. (KY)

GLA DId not send a letter or notice. This collection of {$130.00} is not owed. I was paying XXXX XXXX XXXX and knew nothing about this. No letter of it going to be turned over to collections. Was paying ... ..and is paid
Consumer complaint received 2023-02-26
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. (CA)

My personal information has been exposed in several data breaches and now my information is being used to fraudulently. I was able to take a look at my credit report and I see many suspicious accounts and charges. I have been receiving calls and emails about account and charges that are not mine. I am sure that scammers took my information and now I am being negatively effected.I noticed fraudulent information was posted on my file.