davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ENCORE CAPITAL GROUP INC. (CA)

There has been XXXX credit accounts that were opened within the last 7 years that I did not open I found out who was using my name and social that individual opened bank accounts and cashed false checks under my name. 
That person happened to be XXXX XXXX. That is the individual ruining my credit and putting my credit at the bad standings that I'm in now I need to get this all fixed I'm in check system due to this man. 
The companies that I need the debt fixed due to this individual is ( XXXX XXXX XXXX {$810.00} ) ( Midland funding LLC XXXX Also XXXX )
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-04
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: EQUIFAX, INC. (TX)

On XXXX/XXXX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-18
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (IN)

after sending written letters to the company disputing the amounts they are requesting owed, they sent an old medical bill with a medical diagnosis on it and an amt due.

I sent out another letter explaining that they violated the HIPPA and needed to remove this collection from my report. I still have not had any luck.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Act XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I tried disputing a mortgage on my credit report from XXXX Mortgage. We have been in this house since 2008, we the house was bought only my husband was on the loan and the paperwork. I did not work. The mortgage company would not even speak to me or give me information on the mortgage at one point, because I was not on the account. As, you can see the mortgage was just recently put on my credit report as of last year. Why all of a sudden 14 years later, I was told I was a co signer. The mortgage company recently sent us papers for a loan modification, that I signed. Im not sure why my name was on them, as I was not on the original loan. Just because Im married to the owner, that doesnt automatically make me a co signer. When people buy a house, companies do credit check and employment verifications on the buyers. They were never authorized to run a credit check or a employment verification, so who could they make me a co signer to something that I didnt apply for or can afford. I have the original mortgage paperwork and my name is not on it! I want this off my credit report because I did not personally apply for this loan. Please help me!
Consumer complaint received 2018-12-18
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)

According to my recent credit report request from XXXX   XXXX, And Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

TAKE JUDICIAL NOTICE OF CASES : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX v EQUIFAX INFORMATION SERVICES LLC Equifax has continued to violate the law as there continues to show a Public Record that is not furnished or reported from a reliable source with 1st hand knowledge. 

Also anyone can produce a phone number to the court but WHO did you speak to at the court to verify the accuracy of this Public Record and furthermore the courts DO NOT SEND DATA TO YOUR FIRM!! 

XXXX  and XXXX  both have removed the public record ... .why are you still causing me harm and damage? 

The New Jersey class action claimed Equifax violated the Fair Credit Reporting Act by sending letters that falsely told consumers that it confirms the veracity of disputed public-record information by contacting the source a county court, in this instance directly. 
In reality, however, Equifax never directly contacts the public-information sources, and uses a third-party company to investigate the disputed information, the suit claimed. 
In response to a consumers dispute regarding the accuracy of a public record, it [ Equifax ] never contacts the original source of the information, but rather contacts the private independent company that it never discloses to the consumer, according to the suit. 
Under a settlement agreement given final approval by U.S. District Judge XXXX XXXX Wednesday, Equifax will not represent that the government and/or any court or courthouse is a furnisher of information in response to a consumers dispute ; will not represent that the government and/or any court or courthouse was contacted directly by Equifax in connection with any consumers dispute ; and will not represent that the government and/or any court or courthouse actually investigated a consumers dispute. 
Lead class counsel will receive over {$1.00} million, and the three class representatives will receive {$15000.00} apiece, according to the terms of the settlement.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

This company lies, uses deceitful tactics and has poor customer service. They have overcharged my account for XXXX and XX/XX/2021 using the excuse that I did not have insurance for the house. I sent proof of insurance and they promised to refund the money. They promise that someone would call. No one ever did and I was forced to cancelled the automatic withdraws to avoid Fay from taking extra money from my account ( therefore causing NSF transactions. ) Now they are threatening with default and acceleration of my loan when in fact, they are the ones that provide zero information ( their web page is not working ) and customer service transfers the calls and disconnects. Now they have reported me to the credit bureaus causing my perfect score to drop 100 points. This company has to correct their wrong actions.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Accordance with Fair Credit Reporting Act 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 account without my written instructions.
Consumer complaint received 2022-03-06
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: EQUIFAX, INC. (UT)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-03-06
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: Experian Information Solutions Inc. (UT)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Acct. name - XXXXXXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2016, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Acct. name - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - acct. type - open date XX/XX/2016, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Consumer complaint received 2022-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have wasted several hours going back and forth with capital one about XXXX dollars. A merchant charged me for a trip and did not provide the trip. The merchant arbitrarily decided to refund 50 % of the trip and nowhere in the terms and conditions does this state that is acceptable. I would like capital one to defend/advocate for their customers, absurd the workload with this matter, with their " XXXX  '' credit card, venture x, and refund the other 50 % XXXX $ dollars. Capital one has not handled this matter appropriately and should have reviewed what the merchant sent back to defend why they refunded XXXX dollars. 

Please note : other transportation needed to be arranged to my destination at a higher price {$230.00} billed to this card XXXX XXXX for the return trip.
Consumer complaint received 2022-03-06
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (SD)

In XXXX of 2021, my family decided to look into moving to SD to be closer to family. We spoke with realtor about selling and purchasing. After speaking with a realtor within the new state we were recommended to a loan officer with CMG Financial. Our initial inquiry was if we could get approved for a home for X amount with minimum down payment for FHA loan. During phone call with assistant we were informed this would qualify so long we sold our current home as with this on our credit we would not. We immediately put our house on the market and sold the home in XXXX of 2021. We immediately paid off some additional debt to help prepare for the higher mortgage payment. The new home was to be ready in XXXX so in XXXX we signed purchase agreement and submitted it to the loan officer only to be told we would not qualify without a down payment over 20 % due to income. At this point he had pay stubs before we even sold the home and never indicated this was an issue if this was the case we would have not sold the home until income was met. Loan officer then offered a solution that if my wife were to get a job pay X amount gross he would accept an acceptance letter from the new employer to gain approval. Immediately my wife applied and received offer of employment. We then booked an XXXX in the new state and headed to the new state after arriving and notifying the story changed again that acceptance letter would not be sufficient and need 6 months income prior. Now we have a family of 4 with no permanent residence. We would not have sold our home only to be downgrading our lives and pay more for it due to rental properties pricing.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (NY)

I had a one year subscription to XXXX 's XXXX which was paid in full ; at the end of the subscription I chose not to renew. However, ONE YEAR LATER I received a demand from a collection agency ( North Shore Agency, XXXX XXXX XXXX, XXXX XXXX NY XXXX, # XXXX ) for a year I did not subscribe to or receive. I tried to contact them on XX/XX/2020 but it was impossible to speak to a person. 

I then contacted XXXX 's XXXX and spoke with 'XXXX  ' on XX/XX/2020 who stated that my account was closed and paid in full. Furthermore she stated that XXXX 's DOES NOT submit information to collection agencies, so this demand is blatantly fraudulent.
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

IQ DATA INTERNATIONAL ACCOUNT IS XXXX BALANCE IS {$5500.00} I REQUEST THIS ACCOUNT TO BE DELETED FROM XXXX AND XXXX. XXXX   ALREADY DELETED IT FROM CREDIT REPORT, I WANT PROFF OF THIS DEBT SENT TO ME. OR BE DELETED FROM MY CREDIT REPORT.
Consumer complaint received 2022-03-03
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: Rocket Mortgage, LLC (CO)

I received an inquiry on XX/XX/2022 on my credit report from a data specialist company. After contacting them, I was informed that the inquiry was requested by Rocket Mortgage. I missed a call earlier in the day but have not spoken to anyone from Rocket Mortgage, nor have I consented to a credit inquiry. This is a fraudulent, unauthorized request which may prevent me from obtaining financing from lenders. I've reached out to Rocket Mortgage directly but I was told there is nobody available to take my call and they are not accepting messages.
Consumer complaint received 2022-03-06
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: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I tried disputing a mortgage on my credit report from Carrington Mortgage. We have been in this house since 2008, we the house was bought only my husband was on the loan and the paperwork. I did not work. The mortgage company would not even speak to me or give me information on the mortgage at one point, because I was not on the account. As, you can see the mortgage was just recently put on my credit report as of last year. Why all of a sudden 14 years later, I was told I was a co signer. The mortgage company recently sent us papers for a loan modification, that I signed. Im not sure why my name was on them, as I was not on the original loan. Just because Im married to the owner, that doesnt automatically make me a co signer. When people buy a house, companies do credit check and employment verifications on the buyers. They were never authorized to run a credit check or a employment verification, so who could they make me a co signer to something that I didnt apply for or can afford. I have the original mortgage paperwork and my name is not on it! I want this off my credit report because I did not personally apply for this loan. Please help me!
Consumer complaint received 2022-06-19
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. (MI)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MD)

After I graduated college from XXXX University. I couldnt make payments. After a few months I get a phone call saying that they whoever they were worked as a third party for XXXX University to help students get into a payment plan. They only offered forbearance. No other options were given or provided. It sounded kinda weird but I went along with it. Whoever I talked to connected me right to Navient and within a few minutes of the phone call my loans went into forbearance. Well for 3 years this went on! No options for anything other than forbearance was given or provided to me wither by XXXX University 3rd party service provider nor Navient. 3 years of collecting interest. Not even a mention of Income Based Repayment plan. I was basically unemployed the entire time. I still am after 5 years! I was steered into forbearance. I complained to the Department of education they just tell me to work with my servicer, who got me into forbearance! Since then I've defaulted because I defaulted I cant get into IDR. Where does this end? Bankruptcy? Federal court? Department not taking responsibility, the servicers are not taking responsibility. I got into IDR for 1 year even with defaulted student loans! The student loan program is sooo messed up there is no end. 5 years cant afford 1 cent to make a payment all because my servicer NAVIENT and XXXX University steered me into forbearance! Why should I make any repayment! It hasnt gotten me a job! just extreme poverty with no ending in sight! And you guys arent going to do anything but tell me to complain to the department of education. Basically I have been defrauded by NAVIENT and XXXX UNIVERSITY over my education and student loans! To this day I am still being defrauded!