davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

XXXX XXXX Requested Forbearance based on CARES ACT. I specifically asked if my loan or credit would be negatively affected. I was definitely concerned about that, I did not want to request a forbearance, but we were in a tough financial position due to COVID, and being on XXXX XXXX. Flagstar assured me that I would not be negatively impacted, the loan will be on pause and the time would be added to the end of the loan. 

XXXXthere was no paperwork I signed in order to enter forbearance, I completed a quick online application After a couple of months, I called concerned after seeing my total amount due being increased as if I am in debt that amount. They assured me that since this was a COVID forbearance, after my forbearance is over they will adjust my loan and this will not negatively impact me. 

Feeling confident in what they repeatedly told me, we took our time to get our finances in order and remained in forbearance for 1 year. 

XX/XX/XXXX, we requested ending our forbearance, we were told to make payments for 90 days in order to end the forbearance XX/XX/XXXX our forbearance ended. We were told that in order to make our account current, we would need to resign a new loan. Essentially like a refinance, and by doing so our mortgage insurance would also be removed. 

New loan documents showed that my mortgage loan went from {$490000.00} to {$520000.00} My original loan ( XX/XX/XXXX ) was : {$500000.00} Update XXXX XXXX : Called Flagstar to request copy of my forbearance application and agreement. Rep looked for a while and stated that she could not find an application for forbearance. Instead sent me a document that was mailed to me showing that I was in the forbearance program. I asked how I was able to agree to the terms of the forbearance if their is no documentation, and she was not able to answer that question. 


Summary : We feel that Flagstar participated in predatory lending practices by not being clear about the fees or financial implications of being in forbearance Had they been clear, we would not have entered into forbearance, as difficult as that would have been for us They reassured me this would not be harmful more than once, when I shared concerns about the financial implications of forbearance They took advantage of people in vulnerable situations during a worldwide pandemic They indicated we would have our mortgage insurance removed after refinancing We were told refinancing would bring our account current, but were not informed that there would be a significant increase in the loan balance. 
Neither party has an agreement to the terms of the forbearance, another example of how nothing was clear or agreed upon, and they were able to assure me via phone that there would be no fees or negative consequences.
Consumer complaint received 2020-10-05
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. (IA)

I've reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance. 
Its was cellphone account. Its showing a installment. 
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (NC)

On or around XX/XX/XXXX Equifax received a written request from me to delete inquiries from my consumer report that I do not recognize. As of today they are refusing to remove them. This is very disappointing being that they are allowing unauthorized information to be reported and it is negatively impacting my credit score. And they are also negligently enabling identity fraud. 

This is a serious breach of my right to privacy. I am again requesting Equiax to remove the below inquiries. 

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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report as being reported on the dates above. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). 

If Equifax refuses to delete the above inquiries from my credit report, I will be seeking {$1000.00} per violation for their negligent enablement of identity fraud.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (MD)

When I pulled my Equifax credit report on XX/XX/2022, I noticed 3 sets of hard inquiries that were reporting duplicate inquiries totaling 6 hard inquiries. I contacted the Bureau and the organizations about the inquiries during the past 2 weeks. The bureau demonstrated an unwillingness to assist. I also contacted the companies and they were not able to direct me to the team that can assist with this issue. I provided information that supported that I have been the victim of ID theft and that there were several attempts to access my credit in the past year plus. The organizations in question are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which pulled my credit 4 times in the past 18 months.
Consumer complaint received 2021-07-19
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. (NY)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ).

Today on XXXX  I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-02-12
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (GA)

AESXXXX student loan is reporting I open as XXXX they are reporting this information to XXXX XXXX, and XXXX. I disputed with all three credit bureaus in writing ( three times ) My demand is to remove the debt off my credit reports it has been on my report for the last 10 years. I have called AESXXXX as recent as XXXX asking why is it still reporting. They explained it was not still reporting. They informed the credit bureau on XXXX that the information was paid in full and to be removed after seven years. 

I have expressed my concerns to all three credit bureaus about their reporting is a direct violation of the Fair Credit Consumer Protection law. All debt by law should be removed within Seven Years. They refused to remove the debt their explanation is that it is correct information under the Consumer Fair Reporting Act. 

This is my last attempt before taking all three credit bureaus to court. I would like for you to reach out and advise AESXXXX is a violation of Federal law. I am also going to sue for damages with lost of job opportunities. I have sent at least six letter with proof of the information being 10 years old.
Consumer complaint received 2022-09-23
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: SYNCHRONY FINANCIAL (NV)

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-16
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
Consumer complaint received 2021-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MN)

The Opposite of closed is open nice try Equifax try that Stunt on someone that dont know any better but I do. Remove the following accounts from my credit file you did not conduct a proper investigation therefore you must remove XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX Close cant report but open can horse and dog XXXX remove the account listed above NOW
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I was connected with what I was told was a reputable way to help consolidate and start repayments on my student loans. There was a {$790.00} start-up fee ( first red flag I was too XXXX to see ) as well as {$39.00} deducted every month on the 16th going to what I was told was my student loans directly. This happened from XX/XX/XXXX to XX/XX/XXXX for a total of {$990.00} overall being taken from me by this company, before I finally caught on to this entire thing being a scam. The money was going directly to " XXXXXXXX XXXX '' aka " XXXX '', and not to my loans at all like I was told it was. They blatantly mislead me, and many others. Please see their XXXX XXXX XXXX page : https : XXXX. My account with " XXXX '' was thankfully cancelled as of XX/XX/XXXX. I sent their customer service an email that day requesting a refund, which I did not get. After speaking with XXXX XXXX and with XXXX XXXX XXXX, it looks like they physically lied on some of my paperwork, saying I had multiple dependents for some reason. To be clear, I did not approve of this, but my bank states that this is technically not correct since I signed paperwork ( thus my report here ) allowing the withdrawals to occur monthly. The fact is, I was verbally lied to and verbally misled by " XXXX '' ( of course this was over the phone, so no XXXX XXXX ). I intended to approve what I was told over the phone : that my monthly payments would be going towards my loans directly, which I came to find out that they were absolutely not. The wording on their documents is clearly incorrect, since I was told something entirely different by their employees when initially speaking over the phone. I never would've proceeded with things had I known what was really going to happen with my money. Their representatives told me over the phone that any payments coming from my account were going directly to my student loans... not to their company for the " recertification process '' on my account in reality.
Consumer complaint received 2020-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (LA)

Greetings, to whom it may concern, I XXXX XXXX XXXX, natural man, Consumer and Creditor. 
This is a formal complaint that you are reporting inaccurate and incomplete credit information and I invoke my right to discharge this obligation pursuant to XXXX XXXX, XXXX XXXX, XXXX XXXX, United States statutes at Large 96 stat. 1211, Public Law 97-280, 31 USC 463 and 18 USC 8. For the record, as pursuant to Public Law No 10 Ch.48, 48 Stat. 112, 113 ( HJR192 ), all public debt shall be discharged in full Acquittance Discharge Settlement and Closure to include but not limited to all so-called debts THE BUREAUS may potend or intend to demand to enforce, or to compel an individual to some specific performance for an alleged debt. 

According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify, through the physical verification of the original signed consumer contract. 
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide verifiable proof. 
I demand that the account be verified or removed immediately : In addition you are making false claims against my estate XXXX XXXX XXXX. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Also, you will find viewable at XXXX recorded in XXXX XXXX XXXX XXXX records, instrument No. XXXX, NOTICE OF SURETY ACT & BOND No XXXX XXXX XXXX XXXX XXXX for the Secretary of the Treasury of the U.S Department of the Treasury and NOTICE OF SURETY ACT & BOND NoXXXX XXXX XXXX XXXX XXXX for State of Louisiana.. See Maryland Department of Assessments and Taxation UCC File # XXXX. 

Thank You
Consumer complaint received 2022-07-03
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. (TX)

I sent a letter off around XX/XX/2022 to remove erroneous information i dont want on my credit report. According to the 15 USC 1681, i have a right to privacy. Also 15 USC 6802, No financial institution is suppose to share my infomation with third-party people. 

I believe these are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CO)

I.C. Systems placed a collections account on my credit report when I already have had this account removed 3 other times by 3 other collections. this collection is fraud and has already been proven. 

They have now caused me monetary damages by having this account placed back on for the 4th time. And now of course I have to go through snail mail to dispute this. 

Phone agents as always super rude and super unhelpful. Now my only option is to snail mail my dispute and delay me 2 more months most likelyy
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Jeffersons Capital Systems garnished my payment without any notice or a heads up before the process continues. I personally wanted to settle the debt but they knowingly sent the court papers to the wrong address. I specifically said KNOWINGLY because they came to serve me at my current address, the previous address is not my residence. On XX/XX/XXXX I started noticing that my paycheck was being garnished without any knowledge or notice, so i called Jeffersons capital system and wanted to settle the debt. On XX/XX/XXXX we agreed that if i pay and make half of the payment they would initially stop the garnishment, its XX/XX/XXXX now and my wages is still being garnished. I've called and i gave them my work fax number for them to send the judgement to stop the garnishment. They have not done so. XXXX the manager there and XXXX as well lied and say that they would try to fax it as soon as possible but my job still has not received any mail or fax regarding this matter. I have satisfy the amount owed and more but they have not send my job the final judgement yet. I cant pay my bills, my son needs school clothes and materials to start the year. I don't have any funds left.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NJ)

Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of Experian,  XXXX  and   XXXX   XXXX  .
<P/>
As of today,  XXXX   XXXX , 2017, I have not received a copy of my credit report from any of them this year.
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I am applying for a mortgage and must get copies of my credit reports.
<P/>
Please force each of these credit agencies to send me a copy of my credit report without further delay.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION (VT)

XX/XX/22 two payments of XXXX were sent to a XXXX XXXX from XXXX through my bank account. I contacted a customer service number that I thought was XXXX  they had me download an app called XXXX, and told me to send a code XXXX to the recipent and had me to it twice to supposedly verify my account, that they took the funds from and my bank hasnt refunded to funds. I filed a police report with XXXX VT police department and disputed it with my bank M & T
Consumer complaint received 2020-10-04
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: EQUIFAX, INC. (TX)

With both Equifax and XXXX XXXX XXXX am not able to get my credit report I even paid Equifax and they charge my card twice and I still have not gotten access to my account where I could see my credit report when I called the XXXX numbers for both Equifax and XXXX XXXX they are saying that my ZIP Code and my social does not match but on the three credit reporting agencies they do show my report This is crazy Im trying to get out of debt and and I have told them I can not get through the telephone line for the pre-screening being incorrect with my social security number I have made a police report because some furniture was charged in my name but I cant even speak to a live agent or a foul a dispute because I can not get past The phone screening and that is messing up my credit And its not fair why should I have to Have bad credit because theyre screening will not allow me as a consumer as well as a person who they have all of my valuable information but will not give me access to it this is how I get a home this is how I get vehicles but I cant see what Im doing
Consumer complaint received 2022-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.