davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (VA)

Receivables Performance Management is a 'supposed ' collection agency that has put an account on my XXXX credit report which is NOT MINE. I disputed this a year ago, XXXX 2014, through XXXX and it was removed from my account. 

Well, when I went this week to get a Home Equity Loan ( 100 % equity in my home and XXXX credit score with XXXX ) I was denied because of a {$83.00} 'collection ' for XXXX XXXX that Receivables Performance Management put BACK on my credit report in XXXX 2014. 

When I called XXXX and AGAIN disputed this I was told about them putting it 'back ' in XXXX 2014, and I was given the name and number for Receivables Performance Management, XXXX. I called the number numerous times and it rings and rings and then you get what sounds like an 'answer ', but it goes SILENT, no person, no voicemail, nada, zero. 

So, I got online and found ANOTHER NUMBER for them and this number just goes to a voicemail for a XXXX '. After reviewing the numerous complaints online I found that XXXX ' NEVER RETURNS CALLS. This is a total SCAM COMPANY. 

Their address is listed as follows : Receivables Performance Management | XXXX XXXX XXXX XXXX | XXXX | WA | XXXX. 

I know that you have had MANY complaints filed about this company, please, please DO SOMETHING TO STOP THEM as they are ruining people 's lives, myself included. 

Thank you, XXXX XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this FTC Identity Theft Affidavit to report 10 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of 4 personal credit card accounts 4 auto loan accounts opened and a 2 personal loan account opened. These accounts have resulted in several fraudulent nard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease oursuant to my non 's within the rons and ruortaws.. 
CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all XXXX bureaus : XXXX, TransUnion, and XXXX ) XXXX What happened Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX auto loan accounts opened at XXXX XXXX XXXX and XXXX personal loans account opened at XXXX XXXX and XXXX XXXX XXXX that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the ioned fraudulent consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2015-10-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I purchased a Home and Financed it thru XXXX using a FHA Loan. The REP for XXXX told me that once the Value of the Home went up 20 % i could request to have the Morgage Insurance dropped. Shortly after that the Loan was sold to Wells Fargo Bank. In 2012 i contact Wells fargo and asked them to drop the Morgage insurance since the Value of the Home had risen 20 %. 

They sent me a letter that i had to wait at least 5 years for them to drop it. I am paying just over {$300.00} a Month on the Insurance. 
My Current Morgage Ballance is XXXX and the Value of the Home is between XXXX and XXXX. 
.Thank You
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I am XXXX XXXXXXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2017-08-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (LA)

Im writing this correspondence because in XX/XX/XXXXmy husband and I did a loan modification on our home. I was laid off from my employer and was not able to find employment until late XX/XX/XXXX. At that time I was told that I can make partial payments in the amount of {$820.00}. We were told the remainder of the balance of our payment would be a rear age that we would have to pay at one lump sum or it would be figured into the modification. We were NOT told that this would negatively impact our credit. In the way of saying that we had made late payments because we were in an agreement with Wells Fargo. We had made a commitment to make the above payment in order to be approved for the modification. We had to make these payments for 3 months consecutively. Well our case sat on someones desk for 9/10 months as we continued to make the agreed to payment. I called and called, I finally wrote emails to CEO and CFO before anything would happen.
Fast forward to XX/XX/XXXX/XX/XX/XXXXI was laid off from my job again, agreed to a partial payment with Wells Fargo in the amount of {$850.00}, was not sent the agreement and again was not told that the partial payments would negatively affect my credit. My husband and I continued to make the payments in good faith thinking that we were doing the right thing. We agreed to a loan modification because we were told the rear age would be rolled into the loan modification and that our credit report would be updated.
I bring this up now because we are trying to purchase a new home and sell our current home and because Wells Fargo falsely reported these payments as late or misled my husband and I that they werent going to be late we are unable to purchase a new home. We had no idea that this is what happened until someone really explained it to us, and told us that this has been going on especially where Wells Fargo is concerned. My husband called in yesterday to obtain info on the modifications and he was placed on hold for 30 minutes and the person he was on the phone with couldnt find the info he was asking for. Either Wells Fargo doesnt have it together or your departments need better training on document retention. Im asking for you to correct this matter as soon as possible. I disputed the false reporting on my credit because for me it read as inaccurate because we were making the payment on time and the payments that were agreed to by both parties.
Consumer complaint received 2015-07-27
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (KS)

I refinanced my home with XXXX in 2006 for {$250000.00}. XX/XX/XXXX I was in a financial crisis, so I got a loan modification with them. The payments were lower after the modification which. Is what I was looking for. Right after I got the modification, XXXX sold my mortgage to Greentree. Now that I am with Greentree I am seeing nothing but trouble after going through my loan paperwork. I found a HUGE mistake! 
My loan with XXXX XX/XX/XXXX was for {$250000.00}. After they sold it to Greentree, the balance was {$280000.00}!!!!! I never even caught any of this until I was going through my loan paperwork just recently, Can you tell me how in the world I have a higher loan balance now?!!?!!! Someone has added in just a couple few thousand dollars ( {$29000.00} ) without me catching it!!!! 
Can you please tell me why I have a higher payoff amount now that it was sold to Greentree?!?!?? When looking at my Greentree statement, it shows a principle balance of {$250000.00}, then it says ( not payoff amount ). What in the heck is going on?!!!?!?! 

Why do I have a higher payoff amount after XXXX transferred to Greentree? A lot higher! 

Another thing I am ticked off about is that Greentree is charging me all of these late fees for now reason! And when I used to make payments over the phone ( which you can no longer do ), they would say that I had to pay a certain amount for paying over the phone! I would sit and argue with them telling them that I do n't get charged for paying over the phone. Then they would act like it was a mistake and say, " oh you are correct, Kansas does not have a charge for paying over the phone ''. 

Another thing is that I have been paying online. As long as it is made by XX/XX/XXXX, then it is not late. Well, I have made several payments on XX/XX/XXXX and marked for it to be on XX/XX/XXXX. After reviewing my bank statements, they never put the payment through until several days later, therefor creating their own late fee! 

Honestly do not see how these rotten people are getting away with stealing everyone 's money! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was charged off : Since then, the date of last activity has been inconsistently updated on XXXX the date last active is ( XX/XX/XXXX ), on Transunion it is ( XX/XX/XXXX ) and on XXXX, its ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

Bank of America is not reporting correctly on my credit. They included my mortgage in a Bankruptcy when I had paperwork with in my bankruptcy indicating possible re-affirmation. I continued to make payments on time also indicating of a reaffirmation from XX/XX/XXXX to XX/XX/XXXX as per my HAMP modification. This is also not reported. I also paid loan off in full by refinancing and Bank of America is refusing to show the payments from XX/XX/XXXX to XX/XX/XXXX and status of account paid as agreed on credit. They are sure quick to show bad status by will not show anything good.
Consumer complaint received 2017-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Activehours (TX)

Active hours app is showing that I withdrew {$100.00} on XXXX XXXX, 2017 to be transferred to my checking account, however no money was ever withdrawn and no fund we received in my checking account. I have contacted there support group multiple times, and have not been able to resolve. the last contact was last night. I did advise them that they better not try to take this money out of my account when I get paid on XXXX XXXX, 2017 since it is not something I ever received. I have not received any kind of response from them.
I am beginning to believe the Activehours app is a scam. They have no phone number to call and speak to someone. Everything is done through email.
Consumer complaint received 2015-07-27
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (AZ)

Through the help of XXXX, formerly the HUD Certified Housing Counseling Agcy, I filed for a Modification Loan with Ocwen Mtg Co., my paperwork showing the date of filing on XX/XX/2015. Again and again, I have sent documents requested by Ocwen, either directly from my fax machine or when they claimed they did n't receive them, through XXXX fax machine. Apparently Ocwen is not properly utilizing the webportal called HOPE LoanPort to pull recently uploaded documents. 
Again, today, they requested documents sent to them more than once over the last XXXX months, prolonging a decision on my loan. Ocwen informs me they have an auction date on my home of XXXX XXXX, 2015.
Consumer complaint received 2015-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I am in distraught due to a collection debt XXXX XXXX XXXX had reported to the collection agency. This debt is now significantly damaging my credit score. I do not owe this amount nor the account belong to me. I recently started receiving mailing statements from this enhanced recovery company to collect that debt. I am outraged. I complained to the XXXX and also attempted twice to dispute these actions for the debt owed to the credit agencies. A lady by XXXX XXXX from the XXXX headquarters had harassed me with phone call and responded with a letter in regards to my complaint with the XXXX. She has a record of a XXXX XXXX and not myself. This is really embarrassing and completely inaccurate. I even attempted to reach out this person and see if there was a way to resolve this debt however I shouldnt have to because it does n't belong to me. Please help me with these inaccuracies and unlawful approaches this company has directed towards me.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: P&L Acquisitions LLC (NC)

There is a 6.5 year old debt that I have been fighting for a number of years. I have filed fraud documentation with the original creditor, XXXX, and they are working on the process of clearing that now. The debt was taken out when I was under the age of XXXX by whomever took the debt out. Also, the statute of limitations for an open account ( credit card ) is three years in the state of Louisiana. The account was taken out in XX/XX/XXXX, we are currently in the last few months of XX/XX/XXXX. Therefore, the statute of limitations has run on the debt. P & L Acquisitions sent me a litigation notice about the debt. The amount listed in the " Amount Owed '' section is {$2600.00}. The original debt was {$1000.00}. I spoke to XXXX XXXX, manager at P & L Acquisitions, and he was very evasive, refusing to send me a written validation notice of the debt. The account was written off and taken off of my credit report by the original creditor XXXX. It appears the company is attempting to make a profit, illegally. I have contacted my attorney and she informed me of all of my rights under the Fair Debt Collection Practices Act, to which P & L Acquisitions is in violation of. The use of bullying tactics, evasiveness, and illegal practices by P & L Acquisitions is astonishing. I have recorded all conversations from P & L to demonstrate the things mentioned in this complaint. Thank you.
Consumer complaint received 2015-12-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Louisiana Recovery Services Inc. (LA)

This is a different account that this collection agency tries to continue to collect on but they have yet to produce a promise to pay with my signature or a HIPPA release giving this 3rd party permission to have my medical information. I never received anything on this account giving me 30 days to dispute the validity of the debt as well as when requesting information about the accounts they continue to report on my credit report, they included someone elses medical information and someone elses bill in with my information. Besides not having the promise to pay or the HIPPA release as well as never notifiying me they had purchased the debt giving me 30 days to dispute the validity of the debt, they are extremely irresponsible with people 's personal medical records obviously.