davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a major issue with Transunion. I pulled my credit report and score on their website on XXXX XXXX, and the score was XXXX I pulled it again on XXXX XXXX, and the score was XXXX. The reason I have the complaint it because literally nothing changed on my credit report in that 24 hour period. Everything was exactly the same. I tried to call them and all they would say is that they do not know why the score dropped. I could get nowhere with them. I am trying to buy a house and have been on top of my credit for over 2 years paying on time, etc and my score continues to drop with them for no known reason. Instead of going up when I pay down debt it goes down.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

a verbal loan modification trial payment plan was offered on XXXX XXXX per verbal instructions of the offer made XXXX payments to Ocwen XXXX XXXX XXXX XXXX Today ocwen advised that they offer was denied back sometime in XXXX because we never received and agreement that we were required to signed, " the trial offer letter ''. Despite the fact that their system showed " active trial plan '' they have collected XXXX and now they are saying that there is no modification offer because we fail to performed under the " trial plan agreement '' due to the document that was received on our end drink the month of XXXX. Now, they will keep the monies under " false pretenses '' they have cheated me and did not delivered as they have promised. I was told that the XXXX payment will activate the offer. I paid my debt under the verbal instructions that were given to me on XXXX. Now, my loan is past due and i am facing foreclosure action against me. All calls and representatives are located and XXXX and can not offer further help. I have requested my call to be transferred to XXXX and they have declined 3 times I made this request and they have continued to state and represent that they are a " XXXX ''. The debt is originated in this country not in XXXX. The representative continue to represent as a global mortgage service agency. Representative stated '' we are not equipped to transfer calls to representatives in XXXX '' Please help, actions were taken and payments were made on time no representative informed that they have sent a letter or that a letter needed to be signed in order for the offer to be deemed effective however they collected payments by electronic check and reassured that the trial plan was effective and eventually a final agreement will be sent to us upon completion of payments.
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (CO)

To whom it may concern : This letter is being sent to you in response to the above reference account that EOS CCA, has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any documents that show I agreed to pay what you say I owe. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS CCA, for the following : Violation of the Fair Credit reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of character.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been writing letters to the XXXX major credit bureaus, XXXX and Transunion since XXXX of XXXX but until now, they still continue to report inaccurate information to some of the accounts that are being listed to my credit report. It has been more than a year writing to them but to no avail! So, I am here hoping that you will be able to help me have these accounts deleted from my credit report since it has been a year now and they seem ca n't seem to get it right. 
Please take a look at my list below : 1. XXXX XXXX XXXX ( Account # XXXX ) I have been telling the XXXX major credit bureaus that this account is reporting different information to them but all they got to tell me is either " they have it verified, they are reporting is right or they have added new information ''. But until now, this account continues to report different information. For instance, the Account Balance. XXXX and XXXX are reporting a balance of {$17000.00}, while Transunion reports a balance of {$17000.00}. The Date of Last Payment also does not match! Transunion reports XXXX/XXXX/XXXX, XXXX reports XXXX while XXXX does not state the date of last payment. I also noticed that the Date of Late Payment or the Payment History are different the XXXX credit major credit bureaus. 

2. XXXX ( Account # XXXX ) This is another account that continues to report information inaccurately as they do not match what is being posted between XXXX and Transunion. For instance, the Open date on XXXX says XXXX/XXXX/XXXX but on Transunion it is XXXX/XXXX/XXXX. The payment history also does not report accurately. 

I wrote to each of the XXXX major credit bureaus almost every month asking them to remove inaccuracies on my credit report. They have done their investigation many, many times! I am believe that they are violation of the FCRA. I wish to have these errant accounts removed from my credit report asap. It is very important to me to get my credit report right as I am considering on getting a new car.
Consumer complaint received 2016-08-31
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (CA)

Found out ex-roommate obtained a loan using my information thus I am liable. However Upon filing a complaint with XXXX the company attached documentation of amount owed and would never change but is reflecting XXXX as much owed on my credit report.
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MI)

Discover Student Loans, is yet again not processing payment of money order sent in. Friday XXXX XXXX XXXX I mailed out payments of XXXX money orders. XXXX for loan XXXX and XXXX for loan XXXX. That is now 3 WEEKS ago. Loan XXXX is NOT processed still. And now they are claiming I am late on payment. I fought this exact issue on XXXX of these XXXX discharged loans XX/XX/XXXX. 
I can not online view these loans balances. 
I can not give them payment in ANY form online. 
I get no mailed invoice, balance, statement or mailing adress monthly or every on loan XXXX and XXXX. 

I pay more then the minimal every month since XXXX XXXX. Once again, and again not first time on this happening 3 weeks in XXXX gets processed Loan XXXX this week ... ..two weeks later so much for 7 to 10 days, 2 weeks for XXXX and 3 weeks for loan XXXX not processed yet. Yet I will be told I am late on the payment and be penalized and magically the only time I will hear from Discover Student loans on these account sub loans XXXX and XXXX. I dont even know what I owe I have no means of viewing the balance!
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (GA)

XXXX is charging me for monies that I have paid to collection agencies. In addition, I was advised by XXXX to keep internet equipment and suspend accounts until I restore services in my new state that I moved to. Unfortunately, I decided to turn in the equipment ( see attachment ) and is currently being charged. XXXX is stating that they did not receive the equipment, but attached records shows that a XXXX employee signed for the equipment. Also, they have XXXX different collection agency contact me regarding the same account. I paid one {$170.00} and the other is demanding payment. Both are unethically on my credit report and should be removed.
Consumer complaint received 2016-06-15
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY (CA)

We have done exactly as our loan officer requested to ensure the loan on our first home purchase was processed as this was his area of expertise. From the begining there had been several inconsistencies- in the beginning he advised us to take out other lines of credit, thank goodness we followed our instincts and delayed this tasks because the next week we were being advised our debt income ratio is too high. Each time we completed XXXX task another issue arises. If we would have been advised each time that there was still other pending issues things such as getting married before our scheduled wedding date-adding extra expenses to our household we would have reconsidered utilizing their services. We later found out getting married was not mandatory just required less paperwork on his part. We have come to the point that his requests/bullying have costs people their jobs. He pushed that we produce a letter that explains my husbands employment during our transition. We both informed him he would continue to live in XXXX XXXX while I and our children relocated to our new home until a position with stable and suitable income was locked in. He advised us this would not be acceptable and for us to have 'someone ' in my husband 's HR department produce a letter that stated that he would continue to work at his current company remotely while he relocates to XXXX-knowing this was a not the case. He continually assured us it would not be confirmed or followed up on so we need n't worry and without this letter we would not get the loan approved so we begrudgingly did as he advised. Needless to say it was and now my husband and the HR rep were terminated. This type of behavior and advice to clients is unethical and will not be tolerated. He has single handedly put XXXX families in a situation where they have lost the means to support their family. We have lost our families income plus our savings we have used as the earnest deposit- which bieng a VA loan was to be returned to us after closing. Our family was placed in a dire situation.
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Experian several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Experian credit report and to stop this harassment.
Consumer complaint received 2024-10-19
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: EQUIFAX, INC. (TX)

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account XXXX : XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/year> XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2016-05-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

I totalled my vehicle in XXXX. After paying my deductible and confirming that I did indeed have gap insurance through the dealer from which I purchased my vehicle, the matter should have been settled. Now, six months later BMW financial is attempting to collect money from me in the amount of more than XXXX. They also ran my credit when I attempted to buy a replacement car. After the credit was ran they told me the vehicle for which my credit had been ran was no longer available putting an inquiry on my credit for no reason. The claim number is XXXX adjuster was XXXX XXXX
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc. (TX)

They continue to call me for a debt collection for my son which is n't even a debt. They said it was for XXXX but he has paid everything he owes to XXXX and has a toll tag that auto debits from his bank account! And actually XXXX said they did n't turn his account over to any debt collector! So I asked them to discontinue calling my house and now they still call but no one talks. Just silence!! It infuriates me because we run to answer the phone for this!!
Consumer complaint received 2016-08-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Eaton Group Attorneys LLC (LA)

MY NAME IS XXXX XXXX XXXX. This company, or law firm, Eaton Group Attorneys LLC, is taking me court for XXXX, and I do n't know what they 're talking about. That was on my credit report, but these lawyers, just started sending me paper to pay a debt of {$1700.00}. I only get XXXX. from SSI, I could hardly pay my bills.The marshal came here with a summons for me to answer them, and I did. I went to the city courts, and got the Clerk of Court to stamp it she sent it to them, and I did too. After that they starting sending me papers saying that the judge had render in there favor, and they had wrote up a payment plan. This is what been going on since, I answered them XX/XX/XXXX. Now they have a Motion of Memorandum to compel discovery. They are saying that pursuant to rule 10.1 of the local riules of court a conference regarding some outstanding discovery on XX/XX/XXXX, and it was scheduled on XX/XX/XXXX and that I did not participate, well, I was most certainly did n't know anything about that of that. These people never contact me by telephone, after I answer them, they kept sending papers, The last one they sent, before I got summons to be in court on XX/XX/XXXX. has a bill from XXXX dated XX/XX/XXXX saying Minimun due {$570.00}, and New Balance {$1700.00}, That do n't show what I got. It have payment due date on XX/XX/XXXX.Then at the bottom of the page, there is a Payment certificate, look like something they printed out. I 'm not in any shape financially to pay these people anything. XXXX emailed me to get something with them.
Consumer complaint received 2016-09-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Society Business Services, Inc. (AZ)

While checking my credit report I noticed on XXXX credit report that a medical collection account was listed. I disputed the unverified account with XXXX on XXXX different occasions however they say that it 's verified and failed to provide me any information on the method of verification. I do not have any knowledge of this alleged medical debt and XXXX has ignored by dispute and refuse to re-investigate or provide information to me.
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AZ)

Problems Reaching Asset Manager, Problems with Lost Hamp Modification Packages sent to Bayview Loan Servicing. 
I have sent several qualified written request via emails regarding lost Hamp Modification Package Applications. ( See Exhibit I emails to Bayview Loan Servicing regarding reaching Asset Manager and Lost or misplaced Hamp Packages ). 
On Saturday XXXX XXXX, 2016, I emailed another " Hamp Modification Package Applications '' due to the XXXX 2016 and XXXX 2016 Hamp packages that were mailed were lost or misplaced ( Another Asset Manager indicated when the packages go to Florida, which was the prepaid envelope sent to me that sometimes they are misplaced or lost so she indicated for me to email the package to my Asset Manager XXXX XXXX. 
On XXXX XXXX, 2016, I received an automated response that my Asset Manager would contact me within 24 hours of her return on Monday. It is now XXXX hours and no response. Upon calling my Asset Manager XXXX XXXX, the message indicates, that on Wednesday she will be there until XXXX. and then she does n't return until Monday, XXXX XXXX, 2016. 
The problem I am facing is I have a XXXX husband and Bayview Loan Servicing has a foreclosure dated on our home, XXXX XXXX, 2016, this foreclosure has remained although we have sent in three previous Hamp packages. This package emailed will be the fourth package. Please have someone call me about cancelling the foreclosure sell date on my home until my HAMP modification package is processed. Thank you for your time and trouble. 
In addition, due to Bayview having all my phone numbers preprogramed to go to only to my Asset Manager XXXX XXXX, I have to go borrow a neighbors phone to follow the directive XXXX XXXX left on her voice mail today to not leave a message but to call customer service. You can reach me at ( XXXX ) XXXX.
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Jim Bottin Enterprises, Inc (MS)

I had an annual membership with XXXX in XXXX XXXX 2015. 6 months later, I was relocated to XXXX. So I made a cancellation for the gym membership in the end of XXXX 2015 just before I moved to XXXX. At that time, I asked to pay back the balance of the annual membership fee with presenting my new XXXX XXXX in XXXX , but they simply refused it. I did n't have time to dispute with them and just canceled my membership. Cause it was my last day in XXXX. 8 months have passed after I moved to XXXX . Suddenly I received an email from ABC financial services for the membership fee of XXXX XXXX XXXX XXXX. They argued the contract was not cancelled and asked me to pay membership fees. I sent documents to a general manager of XXXX XXXX XXXX XXXX so he can cancel the collection per trainer 's advice. It included an email from ABC financial and my utility bills in XXXX on XXXX 2015. After that, I have tried to talk with him for a week to ask a cancellation on the bill collection. I left my numbers to other trainers so he can call me back. However, he never picked up my phone and called me back. This is the reason I want to solve this issue through CFPB. 
Thank you.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (GA)

I never authorize and request services from XXXX XXXX XXXX. In addition, multiple calls have been made to XXXX XXXX XXXX for dispute but never hear anything back. Instead, I received the debt collection from Phoenix Financial Services.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (GA)

I was contacted by several fraudulent companies by unsolicited telemarketing phone calls. They all promised me a very profitable online business.They were all offering me related internet business opportunities to work from home. I was sucked in this mess. The charge that I would like your help to dispute is a charge done by XXXX XXXX on XXXX XXXX 2016 of {$3000.00} on my Amex card. They called me and stated that I needed them, and in order of my process with the previously company that I signed up succeed, I needed their services. Nothing was ever done. What it really comes down to is this company scammed me by not providing me the services that I paid for.