davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (WA)

Nationwide continue to call and harass me everyday at home at my job trying to collect on a debt is was paid satisfied. 
This company is breaking the rules!!!! 

Under the FDCPA, debt collectors are not allowed to : call you before XXXX XXXX or after XXXX XXXX.contact you at work if you 've told them verbally or in writing that your employer does n't allow you to get such calls in the work place harass or abuse you or anyone else they contact about you. 
lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : falsely claim to be law enforcement officers claim that you 'll be arrested if you do n't pay your debt threaten to seize, garnish, attach, or sell your property or your wages -- unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting companyuse a fake company name
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Other fee — 
Company: Bread Financial Holdings, Inc. (VA)

I signed up for a store card at Gander Mountain in XXXX before christmas. I provided my address and email address when I signed up. I signed up under the understanding that I would receive a bill and that there were no unreasonable fees or interest rates. At that time I charged a {$18.00} item to the card. 

I never received a bill so I went to the store XX/XX/XXXX to find out what was happening and pay off the card. The store clerk was not able to process the card and told me to contact the bank directly. I signed up for an account and discovered that they had charged me a {$18.00} late fee on XX/XX/XXXX. They also added a {$1.00} minimum charge. I never agreed to that interest rate or fee schedule and I was told that there are no regular fees. 
They have since then charged an additional {$23.00} Late fee and {$1.00} minimum charge. 

The outrageous fees and lack of billing transparency should be illegal. The bank is Comenity bank. The Retail customer is Gander Mountain.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

I have been repaying my student loans since 2010 under either XXXX or Navient. I have had serious issued trying to remove my cosigner from XXXX of my XXXX loans I have with them. I 've submitted all the necessary documents and have paid on-time for over a year, which is the requirement, and they still wo n't release my cosigner. I 'm really unsure what other measures need to be taken to release her. If credit plays a role, I have bad credit because I have so many loans. It 's never ending. Navient is not helpful, and trying to reach them via phone is a nightmare. They do n't really care to help. I 'm not sure what joy they get out of being so rude to their customers, but I guess they can since we 're all stuck and have no choice in the matter! I 've also received emails saying there was a change in my due date - then when I pay on that date, I am told it 's late and that nothing ever changed. Must be using a bad direct email tool or something!
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

My husband and I applied for a home loan with XXXX home loans lnc. He was approved for the loan, but I was not because I had no credit. Later XXXX got the loan and placed it on my credit report. XXXX, got the loan, and continued to post on my credit report. Experian refused to remove both after my dispute.
Consumer complaint received 2016-11-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (PA)

RE : Ocwen account # XXXX I have spent this past year attempting to short sale my home. I have done everything that Ocwen has asked ; submitted the appropriate paperwork, responded to and scheduled phone calls with my " XXXX '' and was given a verbal approval in XX/XX/XXXX to pursue a short sale XXXX no paperwork provided XXXX. This is after they denied me a deed in lieu and offered me a remodification that I could not afford ; they attempted to bully me into moving back into my home by denying a short sale. I have even had large orange notices posted on my door to publicly shame me ; this is illegal in the state of Pennsylvania. I regularly scheduled appointments with them to update them on the sale of my home ; their last scheduled appointment with me was on XX/XX/XXXX. Each scheduled phone call required that I begin back at square XXXX, explaining my story and reason for short sale while the " relationship XXXX '' claimed that this information was not already there. I repeatedly asked for transcripts of our conversations and even asked for them in writing but it was never provided. 

As soon as I had an offer on the horizon, Ocwen stopped contacting me by phone. The first offer was submitted on XX/XX/XXXX ; they did not respond for XXXX weeks. The buyer wanted to close on XX/XX/XXXX. Ocwen claimed they did not receive the offer despite the fact that it was listed on Equator and my realtor had a confirmation receipt of the listing. My realtor resubmitted the offer. They declined the offer and said it needed to be within 10 % of the appraisal ( for which I was never provided a copy ). The buyer provided a new offer, almost within 5 % of the appraisal ; my realtor uploaded it to XXXX on XX/XX/XXXX. On XX/XX/XXXX, I contacted Ocwen to see whether the sale was approved ; the buyer wanted to close before XXXX. They stated, again, that there was no new offer, yet my realtor has confirmation of its posting to XXXX. He submitted it again on XX/XX/XXXX. On XX/XX/XXXX, my realtor confirmed with Equator tech support that an Ocwen employee named XXXX removed everything from the system pertaining to my house. My realtor now has to do it again. 

This is mortgage fraud. They are deliberately attempting to prevent the sale of my home so that they can foreclose and get a payout from the federal government.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Experian is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened in XXXX paid in full in XXXX its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain a car loan recently and was denied due to this old car debt being reported on my credit file. Its not being reported to any other bureau but experian
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (TX)

I had a care credit account show up on my credit report back in 2008. I had contacted them to let them know this was not my account and asked them to send me supporting documents to provide me proof that it was my account. To this day the company has never sent me any documents and I have never made one single payment to them. The account has been a charge off account on my credit report for almost eight years.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NJ)

I have been a client of Synchrony Bank as a result of an application submitted when I purchased furniture from Ashley Furniture / XXXX. We had paid our balances on a monthly basis for over 3 years, and had asked to have our account put on auto-pay through synchrony and through their customer service department ( phone ). On two different occasions, the representative in order to collect payment promised that our account was now on auto-pay going forward when in fact it was not. The second attempt caused our account to be over 30 days and reflected on credit report. I have called a number of times, and discussed with their internal service department who informed me for the first time that we were to get a confirmation letter to confirm auto-pay. This was the first we had heard this, and that since we did not get the confirmation it is our responsibility. However, in my final phone attempt I explained to them the same situation, and without fail, the customer service rep did not tell me I had to get a confirmation letter to confirmation to know it was officially on auto-pay. The account is now paid in full, however my late is still on my credit report. This is unfair and causing real stress in my attempt to refinance my home. Please help.
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NJ)

I contacted Syncrony Financial over the XXXX to close a Care Credit account. I spoke with a customer service rep and confirmed several times that the care credit account was paid in full and would be closed. It turns out Syncrony did not close my Care Credit account and recently sent me a new plastic card. I just called and the customer service rep told me an account related to a mattress purchase was closed. The last activity on this mattress account had occurred in 2009 and should have been closed at that time following a phone call I had made to close the account. It seems Syncrony is not closing accounts as requested.
Consumer complaint received 2017-01-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (CO)

I made a payment to my account on XX/XX/XXXX. I have sent the bank all of the proof that it was delivered on XX/XX/XXXX. I also provided a copy of the cashed money order that was cashed on XX/XX/XXXX. It was cashed by the bank. It is XX/XX/XXXX and after talking to the bank Rep they claimed that they have n't received any of those items that I have the proof that it was delivered and cashed by the bank. Synchroney Bank.
Consumer complaint received 2016-06-21
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (NC)

these accounts have been reported on my credit are not mine this company has received the police report and id theft affidavit along with my identitfication i have attached it via the cfpb and I have emailed it as well and they have refused to recognize or recieve the information that has been sent to them regarding the accounts with their company that are fraudulent
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS (AL)

My Mortgage company ( Embrace Home Loans ) keeps transferring my loan to different companies for servicing. Their latest company is XXXX. However, after receiving the notice of transfer I still can not pay my mortgage or log into the provided website to check my balance. Also, the the XXXX customer service number is not working. 
The phone number for Embrace Loans is XXXX extension XXXX for the President XXXX XXXX. I 've called Embrace, XXXX, and XXXX and nobody can help me. Also, all the customer service people are located in the XXXX.
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: RS Clark and Associates, Inc. (TX)

I have been disputing this information since XX/XX/XXXX and I have asked for debt validation information. I have not received anything validating this debt. It has been past the 45 days since the dispute has been sent to the credit bureaus asking for validation. It has come back each time as verified by the collection agency without any validation sent to me. I have also sent a HIPPA violation notification XX/XX/2016 to this company. I need forms showing where I signed for these account. Also my HIPPA rights have been violated once any medical information has been shared with any 3rd party agency.
Consumer complaint received 2016-07-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: First Associates Loan Servicing LLC (VA)

I attended XXXX in XXXX va from XX/XX/XXXX until XX/XX/XXXX when I graduated with an XXXX in XXXX XXXX. During my time there I was told that all of my student loans were taken care of through federal loans or tc temporary school credit which I would pay back. When I graduated I was told my loans took care of all my debt and I did n't owe anything. Well ive been getting notices from XXXX for the past 3 years and they all said account balance {$0.00}. Today I received a notice from XXXX saying that I owed {$29000.00} for a loan and I was {$11000.00} past due with a payment of {$370.00} a month. I am unaware of this loan being that all my federal loans are together and add up to {$40000.00}. I did n't take these loans out to my knowledge and believe I was tricked or lied to about how my tuition was paid. I would like to be part of the lawsuit against XXXX for predatory practices.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

XXXX XXXX, XXXX I have had an issue with Ocwen since they bought my loan from XXXX XXXX when the banking system went south. Ocwen holds payemtns, sendthem back and when I fell behind they charged me false charges. Every month I get different mail from them with different totals and even a foreclosure notice on a loan paid to date. It is a continuing battle. I ca n't get on the website to view documents because it never works. They are behind in updating information and charge because of it. 4 times they have returned my payment to me for no reason. It is frustrating. I called again today and XXXX my case manager says I am up to date and he will send me information regarding charges. Thats fine but they should n't have charged me. All I can say is be persistent. Also it is not the employees fault it is the system they use. I have stopped answering phone calls from them because it is hard to understand them. I only deal with XXXX. 

Charges are dated XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$140.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$130.00} ( XXXX charges XXXX day ) Property Evaluation XXXX/XXXX/XXXX {$300.00} Titel Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$0.00} ) Property Evaluation XXXX/XXXX/XXXX {$10.00} Title Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX charge XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$7.00} Title Fee XXXX/XXXX/XXXX {$7.00} Title fee again
Consumer complaint received 2024-05-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Commercial Mortgage Consultants, Inc. (WI)

I reached out to Commercial Mortgage Consultants , Inc. about applying for a commercial loan. They told me in order to look at an application I would need to wire them money. I thought it was weird but I did it. Then they collected my information and send me a letter approving me for the loan and asking for me to wire more money. I thought it was weird because they had many costs that are typically handled at closing but I wanted to get the ball rolling so I sent the wire. One week prior to closing I get a call from XXXX XXXX with Commercial Mortgage Consultants , Inc. saying that I was not approved and was never approved and that they don't even lend on properties like mine, mind you I have provided them with all documentation about this property and was approved already and even explained it to them over the phone when they were asking me to apply and ensured they would be able to help. I asked them about all the money that I had wired them and why they would collect all of that and say I was approved when I wasn't. They coerced me into applying so I would pay the initial fee and then continued to collect fees then never lended and tried to gaslight me into thinking I was never approved when I have a signed document from them saying I am approved. They then said they were going to get me connected with a hard money lender but there would be more fees. I told them no I want my money back. They have since never responded to any of my attempts to get my money back which is thousands of dollars.
Consumer complaint received 2017-03-23
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC (CA)

I recieved a call on XXXX from a debt collector saying that a XXXX account with a balance of over {$5000.00} was in default and that they were debt collectors looking to settle and that if I did not, I would end up in court and sued. When I heard this, I made no promise of payment or agreed to any form of contract payment and then they said I had 3 days to call them back to with my decision or else they would go to court. After this, I felt something was wrong and realized that the account they were referring to was not one that I had opened myself and that I had flagged prior back in XXXX as a possible fraudulent account. After looking into it more I realized that the account in question was opened as a factoring company type account, something which I have never done before. Therefore, I decided to take steps to report my identity as being stolen most likely along with the fraudulent activity.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCC Business Services, Inc. (NJ)

NCC XXXX based out of XXXX, FL, have been calling me Monday through Friday from approximately XXXX to XXXX, for the last month without fail. They have my Brother-in-laws, my wife 's, and my information claiming we owe an apartment complex a varying amount from {$2000.00} to {$4000.00}. Everytime I spoke to a representative, it was a different amount. I have asked them to stop calling until they get their story straight.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (NY)

The company is continuing to update my credit reports stating that I am 120+ days past due. This loan was paid off in consolidation XX/XX/2014. I have disputed this account several times and the company is refusing to update and report inaccurate information. This false information has caused me denials of credit. This company is in violation of the FCRA.
Consumer complaint received 2016-04-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (NJ)

TRS Recovery Services Inc. notified my company of debt that does not exist : letter dated XXXX/XXXX/2016, reference number XXXX, Creditor listed : XXXX XXXX # XXXX, debt listed : {$60.00}. I contacted the creditor TRS indicated on their notice, and this creditor stated that they do not use this collection agency for any debt recovery. Furthermore, there is no outstanding debt with said creditor as our account with their stores is XXXX. Lastly, the store location that TRS was trying to collect from is located in XXXX, NE - over XXXX miles away from us. We believe this is not an error, and that this recovery service is engaging in fraudulent activity. This is supported by the fact that the creditor they referenced is NOT a customer of theirs, and therefore would not be using their services in the first place. It is further supported by the fact that we do not have a charge account with this retailer and could not even accrue any debt on our account.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CA)

Since XXXX XXXX, I was in an active modification review with XXXX. As of XXXX/XXXX/XXXX, XXXX had a full package with the underwriting team and prior to that we were informed that the loan would be transferred to Shellpoint on XXXX/XXXX/XXXX. Prior to the transfer from XXXX, XXXX assured that I had a full package which meant that the sale date would postpone and that Shellpoint would take on the file just as it left. After speaking to XXXX in XXXX, they stated it would take time for the documents to be reviewed and only on XXXX XXXX, XXXX were we told that ALL documents had to be in on their forms. We provided Shellpoint all new documents with corresponding proof only to be told on XXXX XXXX, XXXX that more docs were needed. I provided all documents and today I was told tht my income of {$10000.00} does not qualify for HAMP?! HAMP is not even an approved program then the point of contact said I do not qualify for any programs, so I mentioned will I receive a DENIAL letter so I can appeal the decision and he stated NO. This is classic example of dual tracking how cn this servicer take a file from another servicer as a full package then take 4 weeks to review and just on the eve of the sale state I dont qualify for any programs including a NON-EXISTENT program like HAMP? Please help I have over XXXX equity in my home and they are not playing fair I have complied with all that was requested of me
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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.