davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Collection - Account Amount {$2200.00} Dear DRS, I am writing to formally dispute a collection effort related to an account that I believe to be fraudulent. According to my records, I have no obligation to pay the amount of {$2200.00} that has been claimed by your company. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you provide me with verification of this debt, including documentation that proves the validity of the account and its rightful ownership. I believe this collection is erroneous and may be affecting my credit report.

Please provide the following information : 1. Proof of the debt, including the original account number and the original creditors name.

2. A detailed statement of the charges leading to the claimed amount.

3. Any relevant documentation that demonstrates my responsibility for this debt.

Additionally, I request that you cease all collection efforts until this matter is resolved.

I appreciate your prompt attention to this issue. Please respond to me in writing at the address provided above within 30 days. 
Sincerely,
Consumer complaint received 2024-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I attended XXXX XXXX which has since closed down. I received a discharge of all of my federal loans through Navient because of this decision. However, I still have two loans that are private. I was made aware of the School Misconduct Discharge program Navient was offering so I completed the application and sent in as much information and documents as I could on XX/XX/year>. It took over a month to receive a response, which was a denial with no real reason given. I requested clarification and an appeal, neither of which were acknowledged. I also requested copies of my original applications, promissory notes, master promissory notes and original disclosure statements on XX/XX/year>. These requests were also ignored. I included more information on my application and resubmitted it on XX/XX/year> and to date have yet to receive any type of response but Navient it now requesting payment on these two loans.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX XXXXXXXX Dear CCS COLLECTIONS I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy ofany contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute thevalidity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc. (VA)

Rushmore Servicing has scheduled a foreclosure date of XX/XX/XXXX. Rushmore Servicing denied my request for a loan modification and provided options for liquidation. Suggesting the only option was to sell our property. Although Rushmore Servicing provided the liquidation option, they immediately set a foreclosure sale date for XX/XX/XXXX. We obtained a ratified offer to sell our home and present this to Rushmore. The sale of the house would allow Rushmore to receive payment in full and for us to receive over {$50000.00} in profit from the sale. Rushmore has denied our request to postpone the foreclosure sale date of XX/XX/XXXX, to allow the purchase contract to go to settlement on XX/XX/XXXX. 

I believe XXXX XXXX practices are consistent with XXXX XXXX. The Dodd-Frank Act, specifically Title X ( the Consumer Financial Protection Act of 2010 ), prohibits a practice known as dual tracking. Dual tracking occurs when a mortgage servicer proceeds with both foreclosure and loss mitigation options while the borrowers application for a loan modification is still under review1. This protection ensures that struggling homeowners have a fair process to avoid foreclosure and are not surprised by foreclosure proceedings while exploring available options. This practice violates federal law ( 12 C.F.R. j 1024.41 ). The Consumer Financial Protection Bureau, which was established by the XXXX XXXX XXXX XXXX and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual-tracking In addition, I believe Rushmore Servicing masterfully crafted a situation to equity strip us out of several tens of thousands of dollars, which I think is criminal, predatory, discriminatory, and cruel. 
Rushmore Servicing has continued denying the request to postpone the sale date of XX/XX/XXXX. This prevents us from making full payment to Rushmore Servicing and obtaining over {$50000.00} in profit, which would be crucial for us to restart again.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Meta Payments Inc. (PA)

XXXX suspended my account and my business account when attempting to obtain a Meta Verified account. They have associated my accounts with an unknown hackers XXXX account and will not provide any support options or contacts. 

They were able to collect my payment, but have not provided any services for this payment.
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I sent a refund back to a customer that provided a zelle phone number. I entered the wrong number and send {$500.00} to that person. When I reached out to return the funds they ignored me and would not sent it back. The bank said they can't reverse it.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (LA)

This account was paid to XXXX the original creditor paid in full this account should have never been a collection account, contacted XXXX and even went in to the office and got proof but this company is refusing to take this account out of the Collections from my credit report, I paid XXXX personally. This is against the law I contacted this company numerous times and they have failed to get this deleted and updated like I was told they would
Consumer complaint received 2024-09-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO Bank, N.A. (PA)

LOAN NUMBER XXXX XX/XX/XXXX called, would not give me the payoff amount since I did not have the latest billing statement showing principal amount balance XX/XX/XXXX called spoke with XXXX - after verifying everything, cell, SSN, loan number, principal balance, received verbal payoff amount XX/XX/XXXX send check number XXXX for payoff, 2 months later the check was returned saying it could not be read, numerical and written amount did not match. Looks okay to me. 
XX/XX/XXXXXXXX  - called spoke to XXXX, she refused to provide the payoff amount since my husband was not here. Asked to speak to Manager, spoke to XXXX, she asked me the last 4 digits of cell number, I provided that, she stated it was not correct. Which can't be. She refused to provide the payoff amount as well since my husband was not here. 

We are both on this installment loan. My husband is working in another state. 

Principal balance at this point is {$600.00}. It is very obvious they do not want this load paid off.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (AL)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pollack & Rosen, P.A. (FL)

XXXX XXXX XXXX XXXX XXXX Pollack & Rosen , P.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX REFERENCE NUMBER ; XXXX Subject : Dispute of Debt and Request for Validation under the Fair Debt Collection Practices Act ( FDCPA ) Dear Sir or Madam, I am writing regarding the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 
Please supply the following information so that I can be fully informed : Proof that I am responsible for the debt Documentation showing that I am responsible for this debt : Please provide me with a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor. 

Details of the debt Breakdown of charges : Please provide me with a detailed explanation of the amount owed, including a breakdown of all additional charges, interest, and payments made. 
Last billing statement : Please provide a copy of the last billing statement sent to me by the original creditor. 
Amount owed at the time of transfer : Indicate the amount of the debt at the time you obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition. 

Name and address of the original creditor Identification of the original creditor : If this debt has been transferred or sold, please provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer. If the original creditor has another name by which I might know them, please include that as well. 
Transfer of the debt : Inform me when the current creditor obtained the debt and from whom they obtained it. 



Proof of your authority to collect this debt Documentation of your legal authority : Please provide proof that your agency has the legal authority to collect this debt on behalf of the current creditor. This should include any contract or agreement that grants you the right to act on behalf of the original creditor. 
Debt collection license in my state : Provide the details of your debt collection license in my state, including the date of issuance, the name on the license, the license number, and the contact information of the state agency that issued the license. 

Additional requested information Due date and delinquency : Indicate when the creditor claims this debt became due and when it became delinquent. Also, identify the date of the last payment made on this account.

Statute of limitations : Have you determined that this debt is within the applicable statute of limitations? Please state when you believe the statute of limitations will expire and how you made this determination
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (MA)

I got an email from XXXX XXXX saying I had a hard inquiry pull from Destiny mastercard. I called the phone number and someone opened a card in my name. There are no charges yet and they put a fraud alert on the account.
Consumer complaint received 2024-10-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

On XXXX XXXX XXXX I was denied a XXXX XXXX due to a collection from Credit Collection Services, a.k.a. CCS. I was not aware of the debt so I had to research to find out and it was a debt with XXXX XXXX XXXX XXXX, a final bill. The reason I didn't know it existed is that I currently have services with XXXX and they didn't try to collect the amount. I was never sent any documentation about the debt and never given time to prove this debt was not valid. My credit report shows all of my bills paid on time 100 % for years. To add this to my report without providing me the ability to dispute this or pay this is fraudulent. When I contacted the collection agency they were not polite. Especially senior supervisor XXXX XXXX. She did not care about what I tried to say and kept telling me she understands why I am upset, but that is false if she provides not alternative. I spoke to XXXX first who was equally rude and told me it is a waste of time to speak to a supervisor since they will tell me the same information. I understand in most cases the process is automated, but when a consumer calls and pays the company directly this company said they take 30 days to update information. They didn't allow me any opportunity to fix this sooner. They didn't allow me to even ask. I am losing an apartment rental over {$190.00} because this rude collection agency that reported a debt without my knowledge. This is unfair practice and they should not be allowed to do this without verification of serving me. I hung up and told them I am filing a complaint and she didn't care. It was very rude. XXXX XXXX XXXX XXXXXXXX should have also told me I owed this debt and they should not have allowed me to pay online if the debt was truly with a collection agency. I want this off my report for false information since they should have told me to pay before allowing me to have lights at my new location.
Consumer complaint received 2024-08-18
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)

On XXXXXX/XX/year> I submitted a direct dispute via certified mail to Equifax demanding they remove all inquiries and all fraudulent information from my credit report however Equifax did not remove anything in fact they were being bias and keep the information on my credit report after Ive sent in proof of identity proof of residency Now today as of XXXX they have not removed the inquiries and fraudulent accounts from my credit report in which now Im filing a federal suit and seeking financial damages and EQUIFAX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Equifax has published inquiries on my credit report illegally. I have filed a complaint with the FTC and made an identity report. According to 15 USC 1681 I, E, B a consumer is entitled to a fair credit report that is truthful. These inquiries were NOT made by me and MUST be removed.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (IL)

I am writing to address a concerning issue regarding the negative remark that Credence Resource Management has recently placed on my credit report without providing me with proper notice. 

It has come to my attention that Credence Resource Management claims to have been attempting to contact me regarding an outstanding bill of {$270.00}. However, I have received no such communication from them. If they had indeed made any effort to reach out to me, I assure you that I would have promptly responded. 

During a conversation with Supervisor XXXX, I expressed my lack of knowledge regarding the alleged debt. In response, Supervisor XXXX proposed a settlement offer which I respectfully declined. I explained that before any further actions could be taken, I require all necessary documentation to verify the debt, including the last payment history and the associated account number. Failure to provide this information in a timely manner will necessitate the immediate removal of the negative remark from my credit report. 

Furthermore, it has come to my attention that the credit report does not include an account number or contact information for Credence Resource Management. I find this lack of transparency to be in violation of fair credit reporting practices, as accuracy and accessibility are essential components of a credit report. Upon further investigation, I discovered that Credence Resource Management has a rating of only one star, indicating a pattern of poor service and questionable practices. This raises significant concerns regarding the credibility and legitimacy of their actions. 

I kindly request that this matter be rectified without delay. If a resolution is not reached promptly, I will have no choice but to seek legal counsel to explore further options for addressing this issue. 

I trust that you will give this matter the attention it deserves and work towards a swift and satisfactory resolution. I look forward to your prompt response to confirm the initiation of the necessary steps to address this dispute effectively. 

XXXX XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was in the process of buying a home in Florida. I live in NY. On XX/XX/XXXX the day of the closing I received wire instructions from the real estate agent to wire the funds. I went to Bank of America to get the wire done. XXXX hours later, we were told the real estate agent never sent us any wiring instructions and that his email was possibly hacked. I went right away to Bank of America to stop the wire. I was told we need to file a fraud case which I did the same day at the branch. The assistant manager at bank of America told me she reached out to the receiving bank and was able to put a block on funds. The next day the funds were gone from my account. Everyday when I call for a status on my case, bank of america tells me that they are working on it and they are waiting on a response from the receiving bank. After about 45 days they closed my case and said they are unable to recover the funds without any specific information as to why. I have been a customer with BOA since XXXX. 

I tried to file a police report but unable to because the XXXX needs an affidavit of Fraud form from bank of america and they refuse to give it to me or explain exactly why they are unable to recover funds. 

Date of wire - XX/XX/XXXX Amount wire - {$180000.00} Wired to : XXXX XXXX  in Florida
Consumer complaint received 2024-09-25
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: NAVY FEDERAL CREDIT UNION (FL)

In XXXX I replaced a XXXX manufactured home with a XXXX manufactured home after I paid off a mortgage account. I financed the new home through the dealers financier for 12 months then refinanced. Through the dealer it was a home only loan since I owned the land. 

I refinanced with Navy Federal Credit Union ( NFCU ) in XXXX using my VA Home Loan benefit. Before NFCU would approve my refinance, they made me tie the home and land together, basically having me to pay on my land again. 

Fast forward, Ive tried several times to dispute the way they are reporting my mortgage on my credit reports. They are reporting the type of account as a Mobile Home or Manufactured Housing on my credit report instead of a VA Home Loan. Instead of a mortgage, it shows as an installment loan, showing I have no real estate loans on my credit report. 

Ive submitted several disputes with all the credit bureaus, and have contacted NFCU many times as well. I dont know why they insist on reporting the type of home I have, vice the type of account the loan is. The way its being reported brings down my credit score as it goes against my credit mix showing I have no real estate accounts. 

During the disputes process with the credit bureaus my report shows a mortgage account with VA Home Loan as the type of account and my score goes up. When the investigation is over, and NFCU reports my mortgage account to the credit agencies they again put Mobile Home or Manufactured Housing as the account type and my score goes down because it shows as another installment loan. 

I dont know what else to do. Ive tried to fix this in XXXX, XXXX, and again in XXXX. Im beyond frustrated. Please help.