davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mountain Land Collections, Inc. (UT)

On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX XXXX XXXX XXXX about medical debt that I allegedly owed. During that phone call, I was not once informed or told that I had a right to request validation of the debt and was threatened to be sued and garnished of up to 25 % of my wages. 

On XX/XX/XXXX I mailed a request of debt validation to them and was responded to with a court summons served to me only 10 days later. 
I wasnt provided with any form validation that I owed this debt. 
I was then mailed papers that they claim is validation of debt. These papers contained medical bills but no actual proof or reasoning that these bills were mine. There was one paper that did have a signature on it, but that signature was not mine. 

During this time the collector continued to call me even though I had initiated a dispute with them and the credit reporting agency, in turn violating one of my consumer rights. 

I then had to file a motion to set aside judgement to the court and was granted the motion. 

The law office has still not provided me with any proof that this is my debt, or that the claims were submitted to my insurance if they are mine. 

They have violated many of my rights as a consumer and are actively trying to sue and collect on a debt THAT IS NOT MINE! 

This company is predatory and they need to be stopped.
Consumer complaint received 2021-06-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FORD MOTOR CREDIT CO. (FL)

account is not mine. no knowledge of it, no legal obligation 4 it and no information as 2 its origin. There is no police report or fraud affidavit possible and no information or documentation in my possession. plz chk not untimely incomplete and inaccurate.
Consumer complaint received 2020-02-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (WA)

Last year in early 2019 my family had a financial hardship. My mortgage company Freedom Mortgage worked with me to get a modification on my loan to lower my payments. I am very grateful for this company and do appreciate the new payment amount. However, I was not informed on how long of a process this would take. I provided all my documents in a timely fashion and the process took much longer then it should. If I would have known this would cause me to miss 7 months of mortgage payments and decrease my score and my wife 's score drastically, I wouldn't have made this decision. This has affected my financial situation in a different way now. This modification process just transferred financial stress from me not being to pay my mortgage company to now not being to pay all my other accounts with other companies because now my interest rates are extremely high and I can't keep up with the payments. This has put financial stress back on me and my family & I know this isn't the goal of a loan modification. I worked really hard to get a XXXX credit score when I bought this home and now I'm in the low 500 's (  and XXXX my wife ) because of the long process I was unaware of. I did call several times during the modification process as was worried something was wrong since it did take so long to get completed. 

I have called to speak to someone at Freedom about possibly removing some or all of the late payments but they said they are unable to do so. Again, I'm so very grateful for the modification but I wasn't informed on how long of a process this would take and would have taken that into consideration before going through with this process.
Consumer complaint received 2024-03-08
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. (IN)

RE : NOTICE OF INVESTIGATION As the Authorized Representative of this account, over the past 4 years I have made subsequent attempts to have the accounts reasonably investigated in accordance with the FCRA, FDCPA and GLBA, which have all been ignored. Your violation of willful non-compliance has injured my credit reputation and caused me harm, stress as well as put me in grave danger.

NOTICE : REQ PROOF OF AUTHORITY Due to it being apparent that EQUIFAX is in possession of the consumers personally identifiable financial information aka non-public personal information and reporting unlawfully and without permissible purpose. I am conducting a FULL investigation on EQUIFAX, and therefore I require that EQUIFAX respond and provide the following proof in the form of a signed affidavit sworn under the penalty of perjury by an officer that has the authority to execute this affidavit on behalf of EQUIFAX and to bind the same to its provisions of the following ; ( outlined in the attached affidavit ).
Consumer complaint received 2018-07-03
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)

XXXX XXXX XXXX credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me
Consumer complaint received 2015-11-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

MCM and I agreed to settle a debt by my paying XXXX installments of {$130.00} each. I made the first payment on XXXX/XXXX/15. MCM then sent me a statement dated XXXX/XXXX/15 that reported no application of my payment. The balance remained the same. I then had several phone calls with MCM to find out what happened to my {$130.00}. I was told that there was no record of said payment. I was told that a a manager would call me, but never received such call. I was also connected to a phone system that hung up on me. 
MCM last contacted me via a statement that was sent to an address at which no one in my family has ever resided. The statement is dated XXXX/XXXX/15 and contains a totally false account balance. However, it did disclose what happened to my {$130.00}. The XXXX/XXXX/15 balance is precisely {$130.00} greater than the XXXX/XXXX/15 statement balance. Incredibly, MCM increased the balance by the payment I made!
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I settled the account with XXXX XXXX back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from Trans Union however it is still reporting to XXXX and XXXX.
Consumer complaint received 2024-03-08
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. (CA)

In accordance with the Fair Credit Reporting act, 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, have 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 2022-10-11
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: DISCOVER BANK (TX)

On XX/XX/XXXX & XX/XX/2022, parts were ordered from XXXX which were NEVER RECEIVED by me, the consumer/credit card member. I reported this to the merchant who issued consequently issued RMAs. However, after merchants customer service confirmed shipping address with me, they rescinded the RMAs because they claimed my credit card found my dispute in their favor and DISCOVER forced me to pay for something I DID NOT RECEIVE even after producing a police report # XXXX. I complained several times to the Discover Executive Offices since they claim to be the consumers advocates but that was just to deceive the since they advocated for the merchant. Even XXXX, XXXX XXXX XXXX XXXX adopted dispute policies where the merchant being the shipper of merchandise purchased MUST PRODUCE SIGNED CONFIRMATION OF DELIVERY whereas DISCOVER will accept only tracking information. Discover REFUSED to acknowledge police report filed by the Consumer/Cardmember but accepted the merchants vague policies and only tracking information of delivery even though items were NEVER RECEIVED. I also disputed these charges by CERTIFIED MAIL to their BILLING DEPARTMENT as instructed by CONSUMERs BILLING DISPUTE protocol but was told both by mail and phone calls to the Billing Department & Executive Offices they WILL NOT redress nor will they amend this billing error and do the chargeback.
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

1 ) The mortgage servicer Mr. Cooper has denied the review of Mortgage Assistance for XXXX XXXX XXXX. 

2 ) Mr. Cooper states the monthly payment would increase therefore mortgage assistance application can not and will not be reviewed. However, Mr. Cooper has not provided any evidence of this, other than verbal communication. 

3 ) Mr. Cooper then stated that they would assistance and review any Loss Mitigation Assistance options. 

4 ) Mr. Cooper has instead set a sale date of XX/XX/XXXX. Mr. Cooper plans on proceeding with the foreclosure sale, rather than review my RMA application. 

5 ) The actions of Mr. Cooper are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, Mr. Cooper violates the rule of RESPA AND ECOA, while failing to properly and timely provide Mr. XXXX with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against Mr. XXXX by not accepting said RMA application. 

This practice violates federal law ( 12 C.F.R. 1024.41 )  which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of January 10, 2014. Among other things, the rules restrict dual tracking. 

6 ) As stated in the opening of this Notice of Error, Mr. XXXX complied with instructions provided by Mr. Cooper and continued to apply and request assistance. However, a foreclosure sale date was scheduled, and assistance denied. As of XX/XX/XXXX, the sale date of XX/XX/XXXX remains on record.
Consumer complaint received 2021-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I signed up for Auto Debit of my payments and received email confirmation. 
On XXXX I have AGAIN signed up for Auto Debit of my payments and have received email confirmation. 

Their failure to keep an Auto Debit ON has harmed my credit score and is a system failure at the MOST BASIC level of financial services - automatic payments. 

As frequently as this has occurred I would be surprised if others are not impacted as well.
Consumer complaint received 2019-08-01
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC (TN)

ABSOLUTE RECOVERY SENT ME A SUPPOSED TO BE LEASE AS A VALIDATION FROM XXXX XXXX XXXX BUT WHEN I LOOKED AT IT IT LOOKS LIKE MY SIGNATURE WAS FORGE AND I HAVE PROOF TO LET YOU ALL ANALYSIS IT AS WELL THIS NEED TO BE REMOVED FROM MY ACCOUNT IMMEDIATELY
Consumer complaint received 2019-08-01
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. (TX)

XXXX ; Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX Experian XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as Experian XXXX, and XXXX XXXX, XXXX ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.
Consumer complaint received 2021-06-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Francy Law Firm, P.C. (CO)

I have been harassed by Francy Law firm for the entire pandemic. I lost my job due to the pandemic. Francy Law have sent two employees to my house during a pandemic threatening to sue me. To take my stuff. Putting my family at risk of a deadly global virus. I have called them to let them know I dont have a job and they keep harassing me. The total owed is {XXXX} and they are harassing me daily. Weekly. Milllions of people have died and every time they knock and hand me filthy paper work, they are putting me and my families health at risk. 

I dont even actually owe, this owes amount is fees the bank charged me. Fraudulently! After I had already closed my account.
Consumer complaint received 2021-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Caneel Capital, LLC (CA)

I bought my property in XXXX, my first mortgage was to XXXX and my second to ( XXXX ). The second mortgage disappeared and did not contact me for several years. In XXXX Trinity Financial, LLC, appeared on my loan and proceeded to collect payments. Trinity was charging about 12 % rate and they increased the principal balance from {$120000.00} to {$230000.00}. I started looking for assistance at XXXX XXXX XXXX XXXX ( Nonprofit HUD approved ) ( They modified my first mortgage successfully ). I started a loan modification with Trinity, and I was applying with HAMP. I summited all required documentations and Trinity reviewed the paperwork. Trinity declined the loan modification, while in the process of a loan modification they sold my property. I appealed the decision and they never responded to my request. During this time, I continued to make payments on my first loan. Trinity continued the foreclosing my property with notice. I contacted XXXX XXXX in XXXX, CA to file chapter XXXX. She dismissed my case without my knowledge. I am assuming that some arrangements were made with Trinity. I also, hired a second attorney XXXX XXXX in XXXX XXXX, CA. He filed another Bankruptcy XXXX, Mr. XXXX advised me that my property was protected due to the Bankruptcy. I have been trying to contact my attorney Mr. XXXX for months and he has disappeared. In the process of the BK Trinity sold my property to them self. I kept making payments to my first mortgage without the knowledge that my property was already foreclose. I was never notified by Trinity nor XXXX that my home was foreclose. I learned recently that Trinity has given my property for XXXX value. The company that Trinity gave my property is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX. I WAS NOT ABLE TO FIND BUSINESS LICENSE ON THE ABOVE COMPANY. I am assuming that Trinity creates fraudulent companies. Trinity started to post Notice of Quit on XX/XX/XXXX and another notice on XX/XX/XXXX. My goal is to keep my property. I bought this home from my parents and have spent all my life living. My children have been raised here and it means everything to us. I am willing to negotiate a fair payment with the purpose of keeping my property.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: R.M. Galicia, Inc. (CA)

I settled the account with Progressive Management back on XX/XX/2021. PAID {$1000.00} The agency gave my rep this Confirmation number # XXXX Payment Confirmation- XXXX # XXXX. They promised when I paid the {$1000.00} they would fully remove the collection off my credit report. As you can see they did remove it from XXXX XXXX however it is still reporting to XXXX and XXXX.
Consumer complaint received 2021-08-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

This Credit reporting agency did not follow the guidelines set forth by the FCRA and did not validate thoroughly. Other Agencies have already deleted
Consumer complaint received 2018-05-25
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/XXXX I mailed out letters to dispute inquiries that were unauthorized credit polls on my credit report from XX/XX/XXXX. I have not had any response to my letters.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

Fair Collections and Out is attempting to collect XXXX from me from XXXX XXXX XXXX, a place I have never lived. I have disputed this to no avail, asking what method of verification was used to identify my original signature and a signed lease in my name. No written notification or bill was sent to the address in which I live before placing said debt against my credit.
Consumer complaint received 2021-06-14
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. (NC)

There are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2022-12-03
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. (GA)

I've tried multiple time to have Experian fix this error. I rehabilited a XXXX XXXX and consolidate XXXX of them in 2020. Now the old account is showing a missed payment AFTER loan was rehabilited and there is NO MISSED PAYMENTS. Experian is refusing to fix.
Consumer complaint received 2021-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

On XX/XX/XXXX I received a phone call from The Law Office of Quinn M Kofford about medical debt that I allegedly owed. During that phone call, I was not once informed or told that I had a right to request validation of the debt and was threatened to be sued and garnished of up to 25 % of my wages. 

On XX/XX/XXXX I mailed a request of debt validation to them and was responded to with a court summons served to me only 10 days later. 
I wasnt provided with any form validation that I owed this debt. 
I was then mailed papers that they claim is validation of debt. These papers contained medical bills but no actual proof or reasoning that these bills were mine. There was one paper that did have a signature on it, but that signature was not mine.

During this time the collector continued to call me even though I had initiated a dispute with them and the credit reporting agency, in turn violating one of my consumer rights. 

I then had to file a motion to set aside judgement to the court and was granted the motion. 

The law office has still not provided me with any proof that this is my debt, or that the claims were submitted to my insurance if they are mine. 

They have violated many of my rights as a consumer and are actively trying to sue and collect on a debt THAT IS NOT MINE! 

This company is predatory and they need to be stopped.