davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unique Management Services, Inc (AR)

Upon reviewing my personal credit report I noticed XXXX collections that I have no knowledge of. 
1.XXXX public library2. Unique Management services , inc. 
for the amount of $ XXXXThis debt is not mine.After finding this information I quickly called XXXX parties on the collection and told there must be some mistake. the collection is from overdue/lost books from the library in XXXX XXXX XXXX.I believe they have myself mixed up with my brother.We share the same XXXX and XXXX names aswell as the same XXXX initial of our middle names.I spoke with XXXX companies and seemed like all they wanted was money instead of finding out who when what and where.I explained to the library that they must have me mixed up with my brother and that I live halfway across the united states for years now and there was no way this could be me.I asked for proof of debt and was told that they only have a name and address on the account.I asked if they have a driver liscense to go along with the library issued card pertaining to the account and was told they do n't have that information just a age range XXXX ( perfectly fits my brothers age ) .I was told there was nothing they could do. 
I sent a certified debt validation letter to the collection agency asking for proof that this is my debt and all I got back was a name an address and a list of overdue/lost books and an amount of collection. 

the address they have on file for this account was my childhood home until I moved away, my brother of the same XXXX XXXX and middle initial name still lives there. 

for this debt to be mine is next to impossible.Please help and Thank you
Consumer complaint received 2015-04-06
Product: Mortgage — Reverse mortgage
Issue: Settlement process and costs — 
Company: GENERATION MORTGAGE COMPANY (OK)

On XX/XX/XXXX, I signed papers for a Reverse Mortgage with Generation Mortgage Company, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX. I had been working with their representative via phone and email on this loan for more than XXXX months. She was very helpful and knowledgeable, yet when the closing representative came to my home, he brought incorrect documents for the wrong type of Reverse Mortgage. There were XXXX pages in the paperwork and I inadvertently signed the wrong type of loan. I trusted that Generation Mortgage filled out the right paperwork and I trusted that I should sign where their closing representative told me to sign. 

Only a few days prior to this I received an email ( which I still have on my computer, showing the representative 's information AND the Generation Mortgage logo and information ) from the Generation Mortgage loan processor listing exactly what dollar amounts I would receive at closing, what that first disbursement would pay off and how much I would be left with AND exactly how much ( plus growth ) I would receive on day 366. When I spoke with a supervisor at Generation Mortgage the end of XX/XX/XXXX, she said that the processor no longer works for them and " unfortunately '' I signed the wrong type of loan ( the difference is in a fixed rate or a flexible rate loan ). She said the word " unfortunate '' so many times that I finally told her " this is WAY more than " unfortunate '' to me! 

I was never told there were XXXX types of Reverse Mortgage loans and I certainly would not have signed the documents had I been told that if I did sign I would be " forfeiting '' the XXXX half of my money on day 366! 

I am a widow. I lost my husband of XXXX years four years ago to XXXX XXXX. I was greatly depending upon this money I was to receive on day 366. My husband and I spent all of our money trying to save his life. This Reverse Mortgage money was supposed to sustain my retirement. I should have received nearly {$30000.00} on XX/XX/XXXX. It is now XX/XX/XXXX and I am in dire financial straits, thanks to what I consider to be " bait and switch '' tactics used by Generation Mortgage. 

In my opinion, Generation Mortgage needs to simply re-do my loan papers, changing them to the type of loan I was led to believe that I was getting at the time. They need to do this immediately and disburse the XXXX half of my money to me right away. I have forwarded the emails from their representative to the supervisor I spoke with and she said, " I see where your confusion is coming from. '' I am NOT confused and I think the emails are very clear. They simply " checked '' the wrong boxes on the paperwork giving me the wrong type of loan.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Equifax is showing an installment loan that is closed as open. The account # is XXXX with XXXX in the amount of {$15000.00}. This account shows duplicate as a collection as well with equifax , but that has been handled appropriately. XXXX no longer show this installment loan as open. I disputed this directly with equifax and the account shows as closed in there database. I simply need equifax to report it as closed.
Consumer complaint received 2023-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY (MI)

When I traded the truck. The dealer got the payoff and paid it. Well fargo sent me a bill and put it on my credit report in collections for years. I had to pay credit repair company to finally get it off. I bought the truck in XXXX from XXXX XXXX in XXXX mi. I traded it in XXXX in XXXX of XXXX at XXXX XXXX in XXXX Michigan.
Consumer complaint received 2020-09-06
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. (PA)

To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX County Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX
Consumer complaint received 2024-08-13
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. (LA)

XXXXXXXX XXXX XXXX Acct # XXXX was charged off in ( XX/XX/year> ) .I have requested the 1099c to support the charge off and it has not been sent. I have dispute this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXX XXXX  v. XXXX, 36 F.3d 1214. Attached is also the dispute filing that comes bank verified within XXXX.
Consumer complaint received 2015-06-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I purchased a XXXX through a XXXX dealer and financed it through Hyundai Motor Finance ( HMF ). I set up autopay to HMF from my checking account. The loan was paid off in XXXX of 2015. HMF debited my account more than was due for the final payment. Then HMF continued to debit my account each month after the loan was paid off ( and after I had received the pink slip from the California DMV ). I called HMF on XXXX XXXX to revoke autopay and to get my money back. Autopay should have been automatically stopped when the loan was paid. I repeatedly asked HMF why this did n't happen but no one would answer the question. HMF insisted that the only way to return the funds was via paper check after XXXX business days. They did not revoke autopay and debited my account again in XXXX. How is this legal? If you pay off a mortgage the bank does n't keep taking payments. Why is this different? I should be compensated for the loss of use of the funds illegally debited from my account.
Consumer complaint received 2020-09-06
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. (PA)

To Whom It May Concern : This letter is my final communication in regarding the inaccurate entry being reported under XXXX, XXXX XXXX and XXXX. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX, XXXX XXXX and XXXX substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). I have provided you with a FTC identity thief report, identity thief affidavit and matching police report snice XX/XX/2020 Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
( see attached lawsuit ). 

I have maintained careful records of your actions, and you are now required to appear at : XXXX XXXX Municipal Court on XX/XX/2020. I am seeking {$1000.00} to {$10000.00} in damages for : - Violations of the Fair Credit Reporting Act - including but not limited to Section 611 - Violations of section 605b of the Fair Credit Reporting Act Prior to our court date on XX/XX/2020. 

If you should decide to correct your records and remove the negative and false item in question, please contact me at the address below or the CFPB, and I will subsequently withdraw the lawsuit. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX  XXXX XXXX Account Numbers : XXXX XXXX  Account Numbers : XXXX XXXX Account Numbers : XXXX, XXXX, XXXX
Consumer complaint received 2020-09-08
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. (CA)

Hello, I have written and submitted 4 rounds of certified mail letters to the credit bureaus to provide me with original contracts with my signatures on the disputed items and they said verified but have asked for proof and they can not provide me with proof. Below is the last written certified letter that we n't to the said credit bureaus. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide XXXX XXXX XXXX   XXXX XXXX XXXX Unverified Account XXXX XXXX   XXXX Unverified Account XXXX XXXX   XXXX Unverified Account
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

I am a veteran and trying to refinance my home into a VA mortgage. I am in the process and have hit a sang with my current lender Ditech. 
Ditech is adding some additional Corporate Advance of {$63000.00}. My mortgage was modified with Green Tree the previous servicer. I have attached documents showing the partial payment and the balance included in the bankruptcy. There should not be a corp. advance fee.
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (MI)

Follow up to complaint XXXX. Choice Recovery did not respond or acknowledge the complaint filed in regards to Acct. # XXXX for XXXX XXXX for XXXX in the amount of {$170.00}. See Choice Recovery 's attached letter. They responded only to some other account called XXXX???? Another bogus account??
Consumer complaint received 2020-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (TX)

I have sent RS CLARK ASSOCIATES two letters, one on XX/XX/2020, and the last letter on XX/XX/2020. The verification is needed for the debt totaling {$63.00}. The company has failed to respond to verify.
Consumer complaint received 2020-09-08
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. (WA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

I filed a dispute with XXXX, XXXX, XXXX and Lexis Nexis involving a public record that is inaccurately reporting on my credit report. It is a publica record more specifically a bankruptcy filing showing both the assets and liabilities sections inaccurately. They are required by the laws outline in the FCRA to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information on numerous occasions. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and they reported that they used a 3rd party. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS ( I have included a copy of that letter as proof ). I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of ALL of bureaus refusal to investigate properly.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I have purchased an house since XXXX, in other for my family can have a roof on their head. And the kids would have a safe place to stay after school and do their homework as well as my wife would feel less stress after work. 
Unfortunately, we have been struggling paying our mortgage on time or not be able to keep with the regular payments. Due to slowing economy or jobs situation and the worst of it, was the high interest rates. I have requested a loan modification where the payments would be lower where we can be able to afford the payments, but lender refused and sped up with the foreclosure process on my house. 
According to the legal papers from their attorney the house has been foreclosed last month XXXX XXXX, XXXX. But, until now my family is still living the house. We have n't received an Eviction letter or the XXXX not kicking us out yet. I am writing you, to intercede for my family not let eviction happens until the lender reverses the foreclosure sale and give me a loan modification under the XXXX.
Consumer complaint received 2024-08-13
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. (FL)

" I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> and XX/XX/year>, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim.

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done "
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

This Credit Reporting Agencies information on the credit report for XXXX XXXX XXXX is incorrect and I demand be corrected immediately! 
Re : [ XXXX ] Greetings : I am the Owner, Authorized Representative, and Attorney-In-Fact, for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House Joint Resolution 192 of the United States Congress, passed in Congress assembled on XX/XX/1933. 

It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property, and all accounts thereof are accepted for value, pre-paid, and exempt from levy, and held for me by the filing of XXXX Financing Statement No. XXXX XXXX, through the State of XXXX. 
Adverse information bearing your organization 's name has appeared recently on the credit report for XXXX XXXX XXXX ; issued by Trans Union. 
In the event that you wish to continue attempts to report false invalidated, and unverified information causing further injury to agency XXXX XXXX XXXX, I will be obliged to report your Agency to the appropriate authorities. Please provide Me with a sworn affidavit in validation of the alleged debt. Please also provide me with the name and address of the real party of interest. 

In the event this debt is not validated within 30 days, I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn, I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX, and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act, based on your bad faith efforts to defraud me. ATTACHED IS CERTIFIED COPY UCC 11 FROM THE SECRETARY OF STATE XXXX THAT THERE ARE NO LIENS FOR XXXX XXXX XXXX.