davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Receivables Performance Management, LLC (PA)

I noticed a huge drop in my credit score in XX/XX/2020 from XXXX through my bank. I signed into XXXX and noticed a delinquent account with the original creditor " XXXX  '' and the debt collection agency " Receivables Performance '' with the address XXXX XXXX XXXX XXXX XXXX, WA XXXX and phone number ( XXXX ) XXXX. The outstanding balance is {$1000.00}. I have never had services from " XXXX  ''. I filed a dispute through XXXX on XX/XX/2020 and on XX/XX/2020 XXXX closed the case " verifying the information as accurate ''. On XX/XX/2020 I re-filed the same dispute through XXXX. On XX/XX/2020 I signed up for an account through XXXX and noticed the delinquent account is not on that credit report and my score remains in tact. I did a search on " Receivables Performance '' and noticed that the company 's website does not have a secure web connection ( no httpS ). I read reviews on the company that others have had similar experiences with fraudulent debt collecting claims usually generated from TV or phone providers ( XXXX, XXXX, XXXX, XXXX ). Therefore I did not take action to call the company directly to prevent them from making a connection to my personal phone number and to avoid solicitation of my personal information.
Consumer complaint received 2020-02-11
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: ERC (VA)

On or about XX/XX/XXXX I forwarded a proof of verification letter to XXXX requesting information on how 3 debts that they are reporting were investigated. There is a Water Bill for  {$130.00} from a house I lived in during XXXX. XXXX XXXX is still reporting negatively even after the statue of limitations has long expired in my home state of Virginia ( 6 years ). I want this account removed from my XXXX credit report. There are two other negative items being reported XXXX. XXXX and Enhanced Recovery both collection agencies. I forwarded Validation of debt letters to both of these companies and XXXX   XXXX did not respond with a proper and timely response. I am forwarding their response to you, the CFPB, as proof of a poor and incomplete validation of debt procedure. When I wrote XXXX  to get information about what information they were provided by the debt collector they responded with a standard template letter asking me to contact the creditor. Which I have done already about 6 months ago. I want this account deleted from my report for failure to validate debt. Enhanced Recovery is an account that has been re-aged by the new collection agency. I want this account to be removed for that violation. Enclosed is proof.
Consumer complaint received 2020-02-11
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. (WA)

I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break.

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018
Consumer complaint received 2020-02-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

PennyMacUSA notified me Forced Placed Insurance was going to be bought and placed in the ESCROW account unless proof was provided Wind & Hail coverage was or has been purchased. ( I live in a coastal region ). 
My wind and hail policy did elapse, and I bought new insurance and provided that information to PennyMacUSA once I received the first letter from them. 
However, according to a follow up letter I received XX/XX/XXXX and a phone call I had with them, PennyMacUSA will still backdate the Forced Placed Insurance between XX/XX/XXXX and XX/XX/XXXX, and charge the escrow account {$1100.00}. 
I do not see a legal basis or anything in the mortgage contact for backdating and instituting a fine for insurance being lapsed. It makes sense on a forward basis, but insuring the past is not insurance.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

Someone has opened a vehicle lease in my name on or around XXXX XXXX. Someone has opened a Home Equity Loan in my and on or around XXXX XXXX. 
I was not in the United States in XXXX XXXX. 
I have never purchased a home and therefore would not have a need for a Home equity loan. Someone has stolen my identity and used it to buy a car and a home.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: C & M Associates Group, Inc. (OR)

I was contacted in XXXX by XXXX XXXX from the offices of XXXX and XXXX to collect on a debt for a bank account that they stated I owned. I got the account number of XXXX from them which presumably was a XXXX checking account. I sent them letters from XXXX XXXX XXXX and XXXX XXXX  XXXX that showed I satisfied my debts with XXXX. The issue arose when the letters showed account numbers that did not belong to me. I then called XXXX to have them validate whether I owned the accounts or not. They said that the account number provided to me by them was not or never was owned by me. The account numbers on the letters that I had did associate to my accounts though. Those were both satisfied. I then spoke with XXXX XXXX and argued numerous times with her about the debt. When I requested that they validate the debt, she informed me that they were not going to do that and the file would be closed. 
Today, XX/XX/XXXX, I received a phone call from C & M Associates Group, Inc and spoke with XXXX XXXX. He was trying to collect on this same debt that XXXX XXXX  XXXX were trying to collect on. I went through the whole process again and contacted XXXX  again, to only find out that this account number they are collecting on still is not and never has been owned by me. When I requested that the debt be validated, XXXX then told me that they were not gon na waste the time doing that and all they wanted to do was collect the money. He then told me that the file would be closed. I asked him what I need to do to get this situation resolved and he told me that I would need to prove the debt is not mine. I am unsure how to prove something is not mine when I don't own it and their is no documentation showing that it is mine ... I know that C & M Associates Group , Inc is just  going to resell this debt to someone else and I am going to have to go through all of this again. 
Please help me get this resolved as I do not know how to prove that I do not own something. I can prove the accounts that I did own with XXXX though. Thank you for your help resolving this matter. 

XXXX
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Stage Funding (MS)

My name is XXXX XXXX, I am writing this letter regarding my home located at XXXX XXXX  XXXX XXXX XXXX, MS , XXXX I have been trying to work with XXXX XXXX   regarding my delinquent mortgage. I have submitted for mortgage help thru XXXX but have been declined for any and all mortgage home retention options. They mentioned to me that my only options is to come up with the {$13000.00} past due including any attorney fees and cost. 

I spoke to Head Supervisor Collection/ Loss Litigation- XXXX XXXX XXXX XXXX Extension XXXX Position collector. 

explained to them that the reason for falling pat due is in XX/XX/2018 I was diagnosed with XXXX XXXX and XXXX XXXX and had to be treated. While going thru the treatment I had a loss of wages and eventually they filled my position do to the time i needed to recover. 

I am now in a better position but they will not work with me do to my loan type. i am asking for help from the CFPB to look into to this as well as the FDIC I feel they are in violation of my homeowner bill of rights and should offer me assistance to stay in my home I have a steady income and can afford my mortgage. 

Also, I have asked for letters from XXXX declining my request for assistance but they state they are not required to do so,
Consumer complaint received 2021-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (AZ)

I spoke with EOS collection company today regarding a collection for XXXX XXXX. I spoke with XXXX wireless multiple times prior to be sent to collections as well. When I cancelled our XXXX XXXX, they continued to charge for service, so when I got our final bill I spoke with them to have them correct it. They agreed to correct the amount because it was in fact incorrect. However, we were sent to collections prior to XXXX correcting the issue. They are trying to collect {$4800.00} when the bill is less than half of that.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

The reason I am making this complaint is because I was working with my Lender Ocwen Loan Servicing to get a Loan Modification, and I was approved for a Trial Payment and after I made my first payment I was advised by my account manager that I was Denied due that I had already got modified under a Government Modification and they can not do a XXXX modification under the same program. I am not satisfied with this denial and I have proof that I was not given a Government Program the first time I modified. I am a XXXX Loan but did not get a Government Loan. Now I am getting phone calls from my Account Manager XXXX XXXX and he has been trying to collect all my default payments in XXXX large payment or else I am getting foreclosed. He placed me into this Foreclosure status because he took months to get me a resolution, got me approved, then got me denied. I want my Trial Payment approval as they offer me and to correct what ever mistake they did to my loan.
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I 've been trying to reach and/or talk to someone at Ocwen Loan Servicing, and I can never get through to anyone. I 've left several voice messages to get my issue resolved and no one is wanting to help me ( no live person to talk, to about my case ), no call backs ( nothing ). In addition, my checks ( that I 've mailed monthly ) have never been received ( by Ocwen Loan Servicing ) although I 'm sending my payments. Ocwen Loan Servicing does n't want to cash my checks. My call goes to a XXXX number in XXXX ( which is a call center, where people are only reading scripts and not able to help ). I 'm about to loose my house and I do n't know what else to do, no one is wanting to help me. I need help and I do n't know what else to do, I want to put a complaint, because no one, wants to take ownership of my situation and no one cares if I loose my house.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (TX)

In XX/XX/XXXX I applied for an apartment at XXXX at XXXX whose address is : XXXX XXXX XXXX XXXX XXXX in XXXX, Texas XXXX. I did not get approved due to my credit. I got residency at another address. On XX/XX/XXXX I went to a federal job interview and learned that XXXX apartments had charged me XXXX dollars since XXXX. This is a delinquent mark on my credit report and has been since XXXX. I called them on XXXX at XXXX XXXX about the bill that they claim I owe. I spoke with XXXX who works in the office there said she will locate my file and call me back. She also took down my phone I called back on XXXX XXXX at XXXX XXXX. I spoke with XXXX in the office who told me that they have not yet grabbed my file and when they do they will give me a call back. I did not receive a call back on XX/XX/XXXX. I called the collection agency handling my file. The company is Hunter Warfield Inc. whose address is : XXXX XXXX XXXX XXXX. XXXX, Florida XXXX. I called them at XXXX XXXX and spoke with XXXX XXXX who stated that the charge was a utility service fee. He suggested that I pay the debt and then they would alert all three credit companies for half the price of the debt.I refused. I then called XXXX XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in the office. I told her who I was and she then stated that they pulled my file and submitted a request to the credit company and its in the process of being taken off. I then asked for a letter stating that I dont owe them and XXXX agreed to send me an email on a letter head. I still have not received this letter. I called Hunter Warfeild at XXXX. on XX/XX/XXXX and spoke with XXXX to make sure that the paperwork was received by them. XXXX said that they have not yet received any paperwork from XXXX. XXXX also said it was a file for identity theft. I told her there has been no Identity theft. I would like this false charge to be removed from my credit report and i would also like my credit restored in some way.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (VA)

Today, XX/XX/2020, I received an alert from XXXX that American Express places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted American Express via phone. 
I spoke to several representatives who stated that American Express did not pull a hard inquiry in my credit report. 
And to contact XXXX to dispute the inquiry. 
I contacted XXXX, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that American Express will need to dispute it. 
I contacted American Express again, and American Express representatives claim that I will need to dispute it myself. 
I am been given the run around by American Express and XXXX. 
XXXX will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.
Consumer complaint received 2020-02-11
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION (CO)

We moved in XXXX from XXXX  to XXXX  & changed address, changed phone numbers and changed bank accounts. I had a payment set to go through but since the address changed it did not go through. I didnt recieve any information that my account past due or that the payment did not go through from my old bank. There are multiple things that are incorrect from Alaska Advantage Stident Loan Program. 1 is I make one payment but when they reported a late it shows up for 5 accounts. This is predatory practice. Another is that student loans stay on reportd FOREVER which should be a crime. I've had perfect history for the past 8+ years with them and then this incident which was accidental trashes my credit. It brought my score from a XXXX to a XXXX and I pay my Bill 's on time and plan on buying another home in the near future. Another things they dont XXXX report 30 day late which if that would have occurred maybe I would have seen the error earlier. They do that on purpose because I'd they can CHOOSE to not report 30 day lates than they can assist in getting this removed. This is unfair practices that takes advantage of consumers and is predatory. I feel sorry for the college students today getting out attempting to pay these loans because I'm a XXXX XXXX  and this company has never worked with me during transitions. XXXX XXXX student loans however has been awesome at working with you during transitions of home or jobs. This company needs to get its stuff together and is the perfect representation why this country needs student loan reform. If your going to bankrupt our nation you should at least work with the people that are paying your loans back. I've already paid back way more than I borrowed as well.
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

They keep calling and using different numbers and when you call back it says the number is no longer in service. They all so keep calling my cell phone number. When they send out letters they do not put who it is from. I called them about a year ago and they got nasty with me. They told me it is mine account but the only thing is I never recivied any cards from XXXX  XXXX at all. Midland Funding Llc calls all hours of the night either on the house phone or cell Phone
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

Today, XX/XX/2020, I received an alert from Experian that XXXX XXXX places a hard inquiry on my credit report at XXXX. 
I did not authorize nor request for a new credit card so I immediately contacted XXXX XXXX via phone. 
I spoke to several representatives who stated that XXXX XXXX did not pull a hard inquiry in my credit report. 
And to contact Experian to dispute the inquiry. 
I contacted Experian, and according to the dispute specialist..I can not dispute a hard inquiry. She stated that XXXX XXXX will need to dispute it. 
I contacted XXXX XXXX again, and XXXX XXXX representatives claim that I will need to dispute it myself. 
I am been given the run around by XXXX XXXX and Experian. 
Experian will not let me dispute the inaccurate hard inquiry placed on my file electronically or over the phone.
Consumer complaint received 2022-08-26
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. (MO)

This is XXXX XXXX, submitting yet another CFPB complaint today to inform the Credit Bureaus to reinvestigate and correct or update the following disputed accounts from my Credit Report. I am submitting this Complaint in response to the recent investigation conducted by the Credit Reporting Agencies. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I need the following accounts removed from my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

This collection agency is attempting to collect a debt that is not mine. These alleged charges erroneously appeared on my credit report. I currently have services w/ XXXX, previously known as XXXX  at my current address of XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX FL XXXX. I tried to call Way Point Resources Collection agency on XX/XX/2019 to inform them they are reporting incorrect information to the credit bureau. The agent did not submit a dispute, instead told me they have an account being reported to them at a different address but would not disclose the address and the account started with XXXX XXXX which turned into XXXX XXXX. I tried to dispute this invalid debt being reported to the credit bureaus but I was told by the collections agent they would continue to collect a debt that does not belong to me. 
I am requesting validation of this debt with my signature on the original contract from XXXX XXXX according to my rights under theFair Debt Collection Practices Act ( FDCPA ).

I do hereby request that your office provide me with complete  documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If  your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.