davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXXXXXX XXXX XXXX THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXXXXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Credit Management is reporting damaging information on my credit report. 
This damaging information includes incorrect dates, balances, account status and documents falsified by MCM. I have asked this company to provide me with specifics in regard to account close dates by the original creditor and the rep. refused. The goodbye letters on this sites portal are letters drafted by MCM and dates have been altered.
Consumer complaint received 2021-10-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

I have contacted JPMCB twice in XXXX and twice in XXXX regarding the balance they state Iowe. I sent JPMCB proof 4 times ( copy of a letter JPMCB sent stating paid in full ) and they continue to report a balance owed which has now turned into a charge off.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

In XX/XX/XXXX I qualified for a mortgage Forbearance due to Covid, the Forbearance ends XXXX XXXX. My property is located in XXXX, Fl and I am a XXXX XXXX who runs a XXXX XXXX XXXX XXXX ; I am also a XXXX XXXX. Due to the Pandemic I was unable to have students at XXXX XXXX and due to worry and concern over the potential impact of a Forbearance I made calls to the mortgage company, Specialized Loan Servicing, on a frequent basis throughout the forbearance period and had my accountant on the phone with me during these times to ensure that I understood everything and did not miss anything. As I have gotten closer to the end of the forbearance period my accountant and I have made weekly calls to ensure that the process of resuming the mortgage payments would be manageable. I was assured that Specialized Loan Servicing would modify the loan and that all missed mortgage payments would be applied to the back of my loan and that the term of the loan would be extended and that I would resume my monthly payments as before.

Today my accountant and I once again contacted Specialized Loan Servicing because they were to send us loan modification papers which had not been received. At that time I was informed that I have two options, to pay the forbearance amount of {$29000.00}, which had been explained to me before, or if I modified the loan then my monthly mortgage payment would increase from {$1700.00} a month to {$3000.00} a month because they would escrow taxes and insurance. In all the many conversations that my accountant and I have had with Specialized Loan Servicing over the course of the past 18 months, many of which were recorded, it was never mentioned that when payments resumed that property taxes and insurance would be escrowed. As I struggle to resume working and managing monthly mortgage payments I am unable to afford to have my monthly mortgage payment doubled. During the pandemic I struggled to make sure that both property insurance and property taxes were paid on time. I depend on XXXX XXXX to support XXXX XXXX  and feel that it is grossly unreasonable for the mortgage company to change the terms of my original loan to escrow monies which will impact my ability to meet my monthly obligations. Today when my accountant and I shared this with the Specialized Loan Servicing representative she checked her notes and agreed that through the many calls made regarding the Forbearance and loan modification this information was not shared.
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (NC)

XX/XX/2021, XX/XX/2021, XX/XX/2021 was reporting as past due during the pandemic and they stated that I would not get a late pay. They have the other months for this year showing correct.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CREDIT ACCEPTANCE CORPORATION (WI)

I financed a vehicle first time financing! I received a vehicle with high mileage and Im also paying more then what the vehicle is worth! I was told after a year of having the vehicle I could upgrade, my credit score even went up and still no one could help me! Now Im stuck with a vehicle with high mileage and the value is low! It almost will be 2 days years ongoing! The car lot is XXXX county located XXXX  wis!
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I lost my closure check for my checking account XXXX and Ive called in for over a week to get a new check mailed out still nothing. Please mail me my new closure check for my checking account in the amount of {$15000.00}
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}
Consumer complaint received 2021-10-22
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. (GA)

XXXX  card inquiries reflected on my credit reports ( XXXX and Equifax ) twice on XX/XX/21 and XX/XX/21. 

XXXX  inquiries reflected on my credit reports ( XXXX and Equifax ) three times on XX/XX/21, XX/XX/21 and XX/XX/21
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

Account furnished by XXXX. XXXX and XXXX is a result of fraud and improper reporting. 
I have disputed this account through the proper channels without reply or appropriate results in the legal amount of time provided.
Consumer complaint received 2019-02-06
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: COOLEY ENTERPRISES INC (TX)

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by Clay Cooley XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX XXXX the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have always paid my account on time every month thru the website that the company provided and i always receive notice that they received the payment. However, for a few separate months they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and tried disputing it with the company because I had paid it and the website said they received the payment and not my mistake but they haven't removed them. This was an issue with their website that i was assured was corrected. They acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on loan and this was not my mistake.
Consumer complaint received 2021-10-22
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. (NV)

In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processed on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72 points. In addition I verified that for months XXXX and XXXX of XXXX no payments has been reported as per the installment agreement arranged in XXXX of XXXX that On Time reporting for covid 19 reasons. In addition XXXX of XXXX has no reporting either for reasons I am unaware.. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XXXX of XXXX and they were successful in getting my XXXX XXXX account corrected with XXXX only. The account was corrected with XXXX, however after after 45 days the incorrect information came back. TransUnion has remained unchanged after several attempts to resolve directly with XXXX XXXX.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-21
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of 2018, I traded in a vehicle to a dealership that I am currently involved in litigation with. At this time, my credit account with the credit union in question was current. I found out weeks later that the dealership had not paid the vehicle off. I made the credit union aware of this dilemma numerous times and yet, the account was still reported late to XXXX, TransUnion, and XXXX. 

After the dealership finally paid off the vehicle, ( after having it in possession for almost 2 months ), the credit union updated my credit reports to show the account closed and showed it to be paid in full, yet the " payment status '' on all three reports shows as currently late. I have disputed this account with all three bureaus, ( XXXX twice! ) and the credit union has verified inaccurate data. Unfortunately, this now makes them liable for damages to be pursued under the FCRA, FDCPA, and the TFC. This false reporting has placed a tremendous stress on my finances, ( as I was in the middle of a mortgage loan when this hit ), and has taken a severe toll on my health and well-being. 

These complaints are also being reviewed by my attorney who is handling the case with the dealership in question as well.
Consumer complaint received 2021-10-21
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. (NJ)

On XXXX XXXX TransUnion added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.
Consumer complaint received 2019-02-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

***ATTN CFPB ***EVIDENCE ATTACHED*** CRIMINAL CORPORATE CULTURE EXPOSED *** FAILURE TO CREDIT PAYMENTS, CONSUMER FRAUD, MORTGAGE FRAUD, ILLEGAL DEMAND LETTERS, ESCROW FRAUD, MORE # 1FAILURE TO CREDIT PAYMENTS ... 
ON XX/XX/XXXX AT XXXX XXXX EASTERN TIME I MADE THE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENTS ... I LATER RECEIVED A STATEMENT SHOWING MY NEXT PAYMENT IS DUE XX/XX/XXXX ( COPY ATTACHED ) # 2 MY  LOAN IS PAID AHEAD BUT I STILL GET AN ILLEGAL THREAT TO FORECLOSE ... SAYING MY LOAN IS IN DEFAULT ( COPY ATTACHED ) CONSUMER FRAUD AND MORTGAGE FRAUD # 3 I ALSO RECIEVED AN ILLEGAL DEMAND LETTER, PART OF THE TERROR TACTICS THIS COMPANY USES. IF XX/XX/XXXX AND XX/XX/XXXX WERE TRULY LATE I WOULD OWE XXXX AND A SMALL LATE FEE ... APROX {$90.00} ... INSTEAD I GET AN ILLEGAL DEMAND FOR XXXX MORE CONSUMER AND MORTGAGE FRAUD. ( COPY ATTACHED ) # 4 THIS COMPANY ROUTINELY STEALS PRINCIPAL WITHOUT CREDIT BUT THIS IS THE FIRST TIME WE HAVE PAID AHEAD AND HAD AN ILLEGAL FORECLOSURE THREAT. 

# 5 THEY ARE DOING THIS BECAUSE WE ARE FILING A LAWSUIT AGAINST THE CEO AND SEVERAL REPS PERSONALLY IN ADDITION TO THE CORPORATION.

# 6 WE HAVE AN EYEWITNESS ( THE LOAN BROKER ) THAT CONFIRMED SEVERAL VIOLATIONS OF THE TRUTH IN LENDING ACT BY XXXX XXXX. HIS NAME IS CEO XXXX XXXX @ XXXX XXXX # 6 WE ARE PAST THE DEADLINE FOR AN OUT OF COURT SETTLEMENT SO AS WE MOVE FORWARD HERE ... THIS DISGUSTING MOVE TO ILLEGALLY STEAL THIS HOME ONCE AGAIN EXPOSES THE LACK OF REGARD FOR THE LAW THIS ORGANIZATION HAS. THEY ARE LITERALLY LAWLESS. 
# 7 YOU WILL NOTICE XXXX IS DUE INSTAED OF THE XXXX THAT IS ACTUALLY DUE ... THIS IS ALSO FRAUD ... FEES FROM A FORECLOSURE THEY SAID THEY WERE NOT DOING TWO YEARS AGO ... THEY PAID PEOPLE THEY WERE NOT SUPPOSED TO LIKE INSPECTORS AND ATTORNIES ... AND BILLED US ILLEGALLY
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (NC)

I have called BridgeCrest more than 4 times trying to speak with someone that can explain why is the account still showing on my credit report. The car loan was taken out online by a family member that use to live with me I have sent in affidavits and proof of ID to no avail. I even sent in the check to pay the car in full for {$9700.00} which I was told by a rep named XXXX and to mail the check to XXXX XXXX XXXX XXXX XXXX AZ. One month the amount was showing I owed {$8000.00} now it is showing {$9700.00} a complete audit needs to be done and any over payment sent back to me. But to get rid of this thorn in my side I paid the {$9700.00} and I want this account removed immediately. BridgeCrest has been paid now do the right thing. I also believe it is time to start applying fines against BridgeCrest and to move my complaint up higher so it can get resolved immediately.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR 2007 FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. 

THIS IS NOT A DUPLICATE XXXX
Consumer complaint received 2021-10-22
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. (GA)

I filed a complaint with law enforcement XX/XX/2020. I submitted a police report to equifax and XXXX. These credit reporting companies are inaccurately reporting a XXXX XXXX account.
Consumer complaint received 2024-04-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MT)

I have received two notices from ProCollect regarding {$200.00} owed to creditor : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

I have never lived in XXXX, or have in any way been affiliated with this company.

I called ProCollect and they asked me for my social security number, which I was unwilling to provide because I didn't know if this was fraudulent or a scam. I was further fearful of providing information as the agent that I spoke with was very rude and unprofessional. 

The letter states that my credit score will be impaired if I do not pay the debt, but I am certain that it does not belong to me as I have only ever resided in the states of XXXX  and XXXX.
Consumer complaint received 2020-07-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates has NOT to date sent me any and all monthly billing statements for my review. 
Portfolio has NOT to date sent me any and all information to review that proves that this debt is mine. 
Portfolio has reported inconsistent and incomplete information on my XXXX, XXXX  and XXXX  credit files regarding this account. 
Please tell me what services were provided on this account to bring the total to current amount. 
Please tell me when this account was opened and what is the date of the first missed payment. 
Please provide the signed contract from the original creditor so that I may ascertain if the debt is mine. 
Please provide documentation that shows Portfolio is authorized to collect this debt. 
If this information can not be provided for my review, this account should not be reporting on my XXXX, XXXX  and XXXX   credit files. Failure to provide me this information is a violation of my rights. Please either provide the information that I have requested or immediately have this account deleted.