davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (FL)

Illegal collection whereas ECMC garnished my wages for the XXXX time within two years without notifying me, validating the debt or allowing a consolidation, as the law states prior to an order of garnishment, for ECMC was made aware in 2014 when the debt was release. even though the debt was removed by the department of education removed from my credit report and resolved in 2014 by ECMC, this company refiles the paper work to start the process again and refuses to acknowledge the laws concerning consumers rights, this type of collections tactics is causing financial hardships, putting my housing and employment in jeopardy. Two years ago they attempted to garnish my wages and was forced to release the garnish 4 weeks after I complained, asked for information, provided them my current information and all collection attempts stopped and the garnish was released but now they are garnishing my wages under another collection agency without the proper notification required by the law and with no paper trail present this is invalid action since this action was halted in 2014 when this matter was resolved. This is harassment and unfair collection practices and needs to be resolved.
Consumer complaint received 2017-02-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RSH & Associates, LLC (MO)

XXXX has reported a debt from RSH and Associates for {$2300.00}. I called and inquired about the charges. RSH purchased debt from XXXX, now no longer in business. I never ordered or received the sleep equipment that the current creditor ( RSH ) claims that I received from XXXX. I spoke to RSH representative XXXX XXXX at XXXX. I asked XXXX for documentation with itemization of the bill to provide me, since I never received any sleep equipment. XXXX XXXX stated " I 've noted your account that you are disputing charges, but we will not delete it ''. I then asked if I could get a copy of the original invoice, he told me that they were not required to provide any documentation from the creditor regarding charges owed. When I asked to speak to a manager or supervisor I was told " that is not an option ''. XXXX said the manager said he refused to take the call. He would not provide the name of his manager and hung up on me. Without any documentation of the creditor services, equipment or charges this item should be removed my XXXX credit report altogether according to my consumer rights.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (GA)

The company in question has contacted me several times to repay a debt. I am currently finishing XXXX studies through an extension from an illness that I sustained when I was enrolled in the XX/XX/2015. I am not presently enrolled, though I have been granted academic permission to continue my coursework as would any student who is actively enrolled. 

In the past, I was granted a deferment/forbearance status by this company when not actively enrolled in classes. This time, they have decided to pursue aggressively a debt repayment on the basis that I was reported by the school as being no longer enrolled. The school and the lender both are having difficulties with communications between themselves regarding the issue -- something that I have personally intercepted with the intention of resolving this issue. 

I have disregarded the lenders contacts on the basis of my history with Great Lakes. I applied for a deferment and/or forbearance in the past several times with Great Lakes and was granted them without delay both over the phone and on the Internet. 

This time around, I applied again and was granted a deferment/forbearance on every loan except for this one, which was locked/frozen, meaning I could not request the same deferment/forbearance that l had requested successfully and without problems in the past. The lender has after several attempts finally emailed my personal email account without a description in the body of my email address -- only included is the sender 's email and contact information. 

I find these practices to be extremely fishy, unwarranted and demonstrative of the use of loopholes for the collection of debt without regard for academic circumstances. I base the reasoning for this complaint on my past experience with these particular companies.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MD)

I was reviewing my credit report and noticed that information listed on XXXX accounts had changed and was not correct. In XX/XX/XXXX/XX/XX/XXXX, I had XXXX credit card accounts with XXXX XXXX, XXXX and XXXX. XX/XX/XXXX, I enrolled with XXXX of Maryland, so that I could consolidate and pay off my debts. At the time, I was XXXX and was not able to take on any new debt at the time because of the medical bills. 
I disputed this information with Equifax and the results state that the company is reporting the correct information. I have credit reports from XX/XX/XXXX that states XXXX of them was closed in XX/XX/XXXX and the most recent credit report states XX/XX/XXXX. I do not know what is going on with this company, but this information is false and I would like it removed from my credit report. 
Both of these accounts were closed at the same time and had to be in order to enroll in XXXX of Maryland. As part of the programs, you are not allowed to open any new accounts until after the old ones are paid off. Finally, I have been on XXXX since XXXX and have never had a credit cards since then. 
Please help me to get this issue resolved.
Consumer complaint received 2024-10-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Midland Credit Management comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided.
Consumer complaint received 2015-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (WA)

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CO)

XXXX sent XXXX phone bills to collection which is XXXX that does not belong to me and is under someone elses name in XXXX XXXX oklahoma at the time it was made i was living in XXXX they want rent receipts and i live in a XXXX so when i moved to XXXX in 2012 i threw all my old receipts out not thinking i would need them. i have never had phone service with XXXX i have used prepaid phones for years.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (VA)

I was experiencing hardship and requested my mortgage company, Seterus to assist me in reducing my payment. I was always on time and current with my payments prior to my request for assistance. Originally, I was told that I did n't qualify unless I was late with my payments. I was told that I must be late or delinquent with my payments before they would consider my case for approval. I submitted a letter which detailed my hardship. I expressed that I am responsible for my debt and I want to pay my payments on time ; however, I foresee it becoming very difficult to maintain all accounts as I was operating with a negative balance. My payments were lowered for a temporary period until the loan modification was complete. My original payment was apprx. {$1600.00} and my payments were lowered to apprx {$1200.00}. I paid these payments directed by Seterus, on time during this period ( 10-12 months ) before the modification became final. I recently ran my credit score and my XXXX shows that I have been late 6 months, which is incorrect. Seterus report my account late XXXX. I was never late. I made the temp mod payments on time and continue to pay my mortgage on time. I have paid my mortgage on time since I bought the property in XXXX. I filed a complaint through the credit bureau challenging the information they have posted on my account. My account lists as a FHA and conventional loan. Unsure if it is reported correct.
Consumer complaint received 2015-12-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unifin Inc. (TX)

I receive continuing telephone calls from the phone number XXXX, which is an area code close to my home so it gives the impression it is a local number. Most are some sort of autodialer and then when I answer, no one talks. Today I received a call from this number and the individual ( XXXX ) said he was from Unifin, Inc. XXXX said he wanted me to pay a debt against an account that I do not know anything about. My name is the same as my son 's name, and consequently my son " may '' owe the debt buy I do n't know for certain. I told XXXX at Unifin that I was not responsible for the debt, that my son and I share the same name, and asked him to give me his company name and mailing address so I could dispute the debt. XXXX said I should either arrange to pay the debt myself or put pressure on my son to pay his debt. When I asked XXXX again for the details on their company and the nature of the supposed debt so I could dispute it, he got obnoxious on the phone and then hung up before providing the information I would need in order to send a request to dispute the debt. After XXXX at Unifin hung up on me, I called the XXXX number back to get more details. However, the person who answered was now XXXX at a company he said was XXXX or XXXX ( or something that sounded similar to that ). Without even giving him my name, he said he needed to talk to me about a debt I owed, giving me the impression that my phone number must have been loaded in their automated phone and records keeping system. I explained to XXXX at XXXX ( sp? ) that I was not the person they were looking for and requested that my name be removed from their records as having any association with the debt case. I also asked XXXX for contact information on his company, including how to spell their name and their mailing address so I could dispute any potential debt. At that point XXXX hung up on me without providing the requested information.
Consumer complaint received 2016-09-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank reported a 30 day late payment on my credit reports in XXXX XXXX on the home equity line of credit account. Chase stopped reporting to XXXX in XXXX XXXX. The wrong loan balance is on the credit reports. I am disputing the report of any late payments & the loan balance is wrong.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

They removed the account before when I disputed it. And its off all bureaus, but Trans Union. They put it back on there for some reason, and it should be taken off because it is not my account through XXXX XXXX XXXX.
Consumer complaint received 2015-07-28
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: DISCOVER BANK (NC)

The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.
Consumer complaint received 2015-10-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (IL)

I have been having fraud and identity theft problems. The FTC suggested I contact Equifax to get a credit report. When I contacted Equifax , they did not tell me I could get a free credit report. Instead, they said I needed to get Identity Patrol for a cost of $ XXXX/month. Three days later, I received an email stating I was no longer eligible and needed to get the Gold Watch protection for $ XXXX/month. When I called to ask about this, I talked to " XXXX '' who told me that some other credit company had put a freeze on my account and asked me a lot of vague questions about my credit without explaining why. Eventually, she said the account had locked up and I would have to email for additional information and she hung up. I was a little concerned because my emails had been hacked into. This did n't seem a secure method. Two hours later I called back and talked to " XXXX ''. He said the problem had been corrected and had been caused by XXXX. The only people I ever talked to were at Equifax. He said I only had to pay {$16.00}. When I explained to him that all I wanted was a free credit report and that that was never given to me as an option. He said there was little he could do. When I asked for a refund, he said he did n't handle that, it was handled by billing in the back-office. I then spoke to XXXX XXXX who said there would be an investigation and I should get a refund in 7 to 10 business days. He gave me a reference number of XXXXNone of these people were helpful, polite, or professional. They all wanted to argue with me.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I 've had my Chase card for about a year, kept a healthy balance, paid my bill on time, etc. 

You can imagine my surprise when I received a letter from chase stating that they will be closing my account because " continuing the relationship creates possible reputational risk to our company. '' My credit score is great, my bills are always paid on time, and anything I buy with this card is through Amazon ( not any questionable retailers ). If I 'm not the ideal customer I guess I do n't know what 's expected.
Consumer complaint received 2015-06-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (NC)

BBT sent you a false statement regarding my complaint on behalf of my parents. BBT has on file a certified copy of POA in which I have the ability and legal option to take care of and handle this matter. Therefore, my complaint still stands.I made a XXXX part payment to BBT totalling the loan amount. Instead they did something different. When I contacted them in person, BBT was to have reversed the payment, I have forwarded you copy of their statement of intent to correct, reverse the misapplied funds made to them in which it was to have been be applied to loan. Instead they applied it in error to something entirely different. When I contact the bank they assured me they would reverse the transaction. Yet they did not. They also have this loan listed as commercial loan which does bring about a higher rate of interest. Which is also an error. There was no late fee due, since the mod was newly executed and all payments were made according to the agreement. I made with them.. In order to make the agreement for my parents, I did have to have A POA which clearly shows they lied to you about not having the ability to respond to you. I believe they are predatory lenders and wish to have this matter reopened and a true investigation be started, XXXX in which what they say is investigated and I opportunity to respond.. I am XXXX XXXX, my parents are XXXX and XXXX XXXX and I have certified POA.
Consumer complaint received 2016-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Texas Guaranteed (TX)

Spoke with XXXX XXXX at Texas Guaranteed and someone in the compliance department who refuses to work with me in getting my loans resolved. They are forcing me to stay in garnishment, giving me inconsistent information and very very rude. I would like for them to no longer service my loans, remove my garnishment. This is the worst customer service experience I have had to deal with. Although I owe money, it does not give them the right to hang up on me when I am trying to find a solution for myself and help myself out of this XXXX situation.
Consumer complaint received 2023-07-10
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. (TX)

I informed Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In fact they ARE NOT even in compliance with metro 2 credit reporting. I do have evidence to prove and bring forward to prove my case.