davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation (WA)

A letter dated XX/XX/XXXX from Blackwell Recovery claiming {$450.00} for their client XXXX by XXXX, I received when I returned from overseas on XX/XX/XXXX. I wrote to Blackwell on XX/XX/XXXX disputing the claim with reasons, as I had been paying directly to their client for many reasons. I also told Blackwell that my wife and I were out of the country for a prolonged period due to XXXX emergency reasons. Blackwell did not reply to me. As their letter stated that I had to respond to their letter by XX/XX/XXXX so I called them XX/XX/XXXX ; again saying that I paid XXXX on XX/XX/XXXX. I also said I shall contact XXXX to confirm any amount outstanding. 
Because of the XXXX and XXXX XXXX holidays, I was not able to contact XXXX until XX/XX/XXXX and at that time I paid {$330.00} which brought the account up to date. I notified Blackwell. 
Towards the end of XX/XX/XXXX, I received a phone call from Blackwell insisting for a payment, which I disputed and subsequently on XX/XX/XXXX phone call I paid {$130.00} to Blackwell as their collection fee and not the amount owing to WorldMark. 
Until this date Blackwell and/or XXXX did not report anything to any credit bureas. However, on XX/XX/XXXX ( one day after taking their {$130.00} ) Blackwell decided to report the collection to XXXX XXXX and XXXX. This impacted my credit file. I filed a dispute with both credit bureaus but the entry remained with Account Closed remarks. 
I then wrote to Blackwell on XX/XX/XXXX citing all of the above but to date, I have received no response. The last letter was mailed on XX/XX/XXXX via XXXX Mail and delivered to Blackwell on XX/XX/XXXX.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (TX)

Each year my XXXX is issued from my mortgage company which shows the total balance owed for the year. Last year the balance was around {$4000.00}. I paid this amount during the months of 2022 until XXXX. In XXXX, I sent a notice from my attorney asking for a hardship forbearance until my XXXX claim was completed. My XXXX claim completed in XXXX XXXX XXXX. At this time, I phoned the mortgage company and was told that I had a total outstanding loan balance of {$980.00}. I made XXXX payments of {$450.00} and in XXXX I was sent statements that I am still due a monthly mortgage payment. When logging into my account ; it shows that I do not have any principal or interested balance ; but there is an accrual that equals above what I even owed at the beginning of 2022. There has been some accounting activities on my account that has not been explained to me. The mortgage company is now addressing all of my account concerns to my attorney instead of me ; and has not sent a release of lien nor my deed.
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CT)

Reporting late or missed payment. Who are they? How can you pay your bills on time and your score still goes down? Like other credit reporting agencies are they too getting lazy and just going with boilerplate response. There seems to be a automatic roadblock for people of XXXX to get credit. Its not just XXXX XXXX.
Consumer complaint received 2015-05-21
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Mobiloans, LLC (CA)

I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. 
THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? 
AND THEY STILL TAKING MONEY FROM MY BANK.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Fidelity National Information Services, Inc. (FNIS) (MD)

In a perplexing turn of events, I discovered unauthorized inquiries attributed to Chex Systems littering my credit report, tarnishing its once pristine state. These unwarranted entries, like blemishes on an otherwise flawless canvas, spoke of a narrative I had no part in. Moreover, the manner in which Chex Systems reported my financial history was riddled with inaccuracies, painting a distorted picture of my creditworthiness. Fueled by a sense of injustice, I embarked on a rigorous dispute process, invoking the protective shield of the Fair Credit Reporting Act 's 15 U.S. Code 1681e ( b ) clause, which mandates the accuracy of credit reports. With meticulous attention to detail and unwavering determination, I demand the removal of these erroneous entries, seeking to restore the integrity of my credit profile and uphold my rights as a consumer.
Consumer complaint received 2022-11-22
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. (MS)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (MS)

I was told by Credit Accepted that my title would be mailed out I still havent received it in that was almost a month agoBut my Car is paid off in I want my title ASAP
Consumer complaint received 2023-03-03
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$3100.00} XX/XX/XXXXXXXX XXXX  XXXX {$250000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$85000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$840.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$70.00} XX/XX/XXXX
Consumer complaint received 2023-03-03
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. (PA)

I sent the credit Bureaus asking them to verify the debt on my credit report. They sent back a letter stating everything is verified I called them and told them theres still inaccuracies on multiple accounts and they said they cant do anything 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX
Consumer complaint received 2023-07-19
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: Mr. Cooper Group Inc. (VA)

Nationstar/Mr. Cooper shows late payments on an old, closed, fully-paid-off mortgage. These were deferred payments offered by them during Covid. As I understand it, there should have been a code identifying this as Covid-related so that my credit report/score would not be adversely affected. I believe my score has been negatively affected by these " late '' payments on my history. 

I have raised a dispute, twice this month, with XXXX, but other than different months marked late or different final payoff amount, I don't see any change in my creditworthiness. I am still considered being a late payer with them.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc. (FL)

On XXXX XXXX, 2017. I called Ideal Collection Services in XXXX, XXXX after I had received a letter from them. They were collecting for an outstanding repair fee for an apartment I used to rent over a year ago. They were apparently going after me for some fees that remained even though I paid and signed off on everything. They hired this third party I guess to try and collect. Never ever have I ever experienced such an incredibly rude and demeaning company as this. I went along with all they wanted in order to resolve it, I asked for 1 more day to do it! They told me they could n't do it and told me when I call back I would need to pay the full amount. That if this were not done the account would be reported to the credit bureaus would and hung up. I called again and asked to speak with someone else and they told me I could n't I explained that I wanted to pay it but wanted to speak with someone else, again they told me to call back when I was ready to pay and hung up again. I again called and wanted to speak to someone different and again was told I could not. I could n't believe this was an allowable practice. I was willing to pay and resolve the issue yet it almost seemed like they did n't want me to! All I can think was how incredibly evil this person was. Not sure how she sleeps at night. And shame on this company for having people like this on their staff. I do not want this to reflect on my credit and I am willing to pay it. I was so cooperative and soft spoken and they completely belittled me and did not want to help me at all. They now do not even pick up when I call. I just want to deal with another person as I refuse to be treated that way. At one point I told her I was going to report them and complain in which she responded, who are you going to complain to? '' in a totally condescending way. Like there was no one who I could complain to. I literally was sick after this incident.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc. (IA)

Repeat offender ( MCOA ) On XX/XX/2023. I filed a complaint against ( MCOA ) for their debt collection practices. The company responded closing out the complaint stating they " have made no additional attempts to contact the citizen. '' Please refer to complaint ID XXXX. Today XX/XX/2023 I received another correspondence from company. Refer to date on correspondence, I circled it. 

The company has assumed the consumer, natural person XXXX XXXX has an alleged obligation to the XXXX of XXXX for a consumer credit transaction that I the consumer am unaware of. I have never granted the XXXX of XXXX credit. I have never given the XXXX of XXXX my private information to create a consumer credit transaction in my name. I have not received any benefit from this consumer credit transaction for personal, family, or household services. 

The amount claimed to be owed keeps changing and when I ask for documentary evidence for this alleged obligation, both companies have failed to produce the documents demanded from them. Both companies have failed to verify the original creditor name and address. 
I also filed a complaint about the XXXX of XXXX. See Complaint filed. I have tried to resolve this matter but both companies are refusing to cooperate. It is a fact that MCOA and XXXX of XXXX are racketeering.
Consumer complaint received 2023-07-14
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: ENCORE CAPITAL GROUP INC. (IL)

After looking at my credit report I noticed a entry on my credit report that does not belong to me and this derogatory entry stems from Identity theft. The account was opened in XXXX of 2020 and the fraudulent balance is {$730.00}. I haven't called the company, however I did file a police report and identity theft report that I mailed out to the credit bureaus.
Consumer complaint received 2022-11-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc. (TX)

To Whom It May Concern, I am writing to urgently address a matter of identity theft concerning my account with Self Lender ( account number XXXX ). I have recently discovered unauthorized activity on this account, which I have reported to the authorities and obtained a notarized police report as well as filed a report with the Federal Trade Commission ( FTC ). 

Despite my efforts to resolve this matter, I have encountered significant challenges in receiving assistance from Self Lender representatives. Their handling of this situation has been both unhelpful and, regrettably, rude. 

Under Texas consumer laws pertaining to identity theft, it is imperative that swift action be taken to rectify this situation. As such, I am formally requesting the immediate removal of any fraudulent activity associated with my identity from the aforementioned account. 

Attached to this correspondence are copies of the notarized police report and FTC report for your reference and records. 

I trust that Self Lender will adhere to the necessary legal procedures and promptly resolve this matter in accordance with Texas consumer protection laws. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute lettert ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00}, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2023-07-19
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: Fay Servicing, LLC (NY)

My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised as well..
Consumer complaint received 2022-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is INACCURATE and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : EQUIFAX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that XXXX things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.