davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (TX)

I received a collection notice a few months ago from Linebarger Goggin Blair & Sampson, LLP and I immediately returned a letter to them disputing the debt. Today I received a XXXX collection notice as if they just ignored my first letter disputing the debt. The alleged debt is a Toll. I do not have a car with the license plate identified on the notice nor do I have a car in my name that has ever been to Florida.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: INVESTORS BANK (NJ)

This is related to case # XXXX. I have a mortgage with Investors Bank. They made significant errors in servicing the account, including debiting extra unauthorized payments from a linked checking account and incorrectly applying the payments to the wrong amounts of interest/principal repeatedly. After about 9 months of issues and many complaints, they seem to have finally fixed that problem. This is a NEW complaint regarding the same account. In addition to the aforementioned issues, I just ran a credit report and discovered that Investors Bank erroneously reported a late/missed payment on the account in XXXX 2016, even though no payment was ever missed and, in fact, the payments were AUTOMATICALLY debited biweekly from a checking account at the same bank. Furthermore, the bank 's report to the credit bureau contains additional errors, such as the term of the loan ( not 25 months ) and the type of loan ( not an automobile loan ). This continues a pattern of sloppy, incompetent behavior by the bank. Please help us ensure that they fix this problem and do not create any additional ones in the future.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NJ)

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ). Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

In addition, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : 1. Barclays Bank Delaware - XX/XX/XXXX 2. XXXX XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (AZ)

On XXXX XXXX I applied for a Citibank XXXX XXXX XXXX with a XXXX bonus miles award after spending {$3000.00} during the first 3 months I have spend more than {$13000.00} during those 3 months however Citibank refuses to honor the bonus miles award claiming that the promotion is valid for new customers only. 
However there is no indication on the website about that : XXXX I have had a Citibank XXXX Credit Card before but it was cancelled in 2015. 
Thank you
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

i am a bank of america costomer. this bank keep transfer my money from savinngs to checking out of my agreement .first time the transfer XXXX, and the say is overdraff was the one transfer the money .and letter the XXXX desapear from my account few monmths letter the same thing happem XXXX .l trast times is happem .i when back tack out all my money from my account because if i leffet any mony on my account with desapear, also is a lot not aoutorize transation on my checking account .the total lost is XXXX
Consumer complaint received 2016-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

I think 90 days is a more than reasonable amount of time for the credit bureaus to do their research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Equifax XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have been trying to resolve my mortgage issue with OcWEN for over two years now, and keep reading about the XXXX XXXX XXXX and the National Mortgage Settlement Administrator giving OCWEN glowing reports and upgrading them. Their are still a HUGE number of Lawsuits pending against them and I should be XXXX of them. They told me to go into arrears so that they could start the Loan Modificationa nd proceeded to delay delay dealy the results, lost paperwork that was FEDEXED to them. Stated that docs were out of date and more and more and more ineptness pushing the amount I now owe to over {$100000.00} and pushing my credit lower and lower ... This criminal organization should not be allowed to " buy '' their way out of trouble and somebody in the organization should go to jail!! I just read an article that they received a favorable rating from this bureau because they have not received as many complaints about them ... Did you ever think that normal people that they have taken advantage of are tired of complaiining when the deck is so clearly stacked against them. So I am telling everyone today if you are still having problems with OCWEN like I am keep the complaints coming. Dont let them Win they should be out of business and disallowed from paying penalties unless it is to their victims ... And no {$120.00} doesnt cover it.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

To Begin, On XXXX, XXXX XXXX XXXX filed a NOD, notice to foreclosure, than SLS became mortgagee as of XXXX/XXXX/XXXX, or a few days later on our property at XXXX XXXX XXXX XXXX Ca, XXXX, for over {$43000.00} and forced us me and my wife ( XXXX And XXXX XXXX ) into a chapter XXXX Bankruptcy filing date was XXXX/XXXX/XXXX case number XXXX, we paid the trustee and SLS ( specialized Loan Servicing ), we paid every month on time, while in payment plan SLS, records a notice of rescission, we ( XXXX and XXXX ) have a proof of claim recorded for {$6200.00}, SLS was called by XXXX, SLS indicated months we were behind after notice of rescission *, we then paid SLS, both payments, the mortgage payments and the {$6200.00} in the payment plan, at discharge all payments were made to SLS for regular mortgage payments and {$6200.00}. 
Now case is discharged see attachments, we receive latter dated ( XXXX XXXX, XXXX ) stating we owe {$42000.00}. Our account is current, as XXXX/XXXX/XXXX we have been getting statements from SLS that indicates our balance, the last statement we received on XXXX/XXXX/XXXX indicates our XXXX payment is {$2800.00}. When we received this letter this past Saturday ( XXXX XXXX ). Imagine how we felt when reading this letter, knowing it is totally wrong and inaccurate. 
As Mentioned above, this has happened to us in the past with XXXX and SLS, going back to XXXX. In XXXX XXXX, filed an NOD [ notice of default ] indicating we owed over {$40000.00} in past due amounts, and we had to file for Chapter XXXX Bankruptcy to save our house, when we never owed that amount. We were in BK for years, and were discharged early this year. We have NEVER EVER MISSED A PAYMENT, and so here we are again with a letter threatening to " Default Notice and of Intent to Foreclose '' and stating we owe {$42000.00} when we clearly received a statement stating our XXXX XXXX payment is XXXX. What is the problem, it 's like someone or something is not communicating within SLS this company is frustrating, the holiday season here we just want to live in peace in our home and not receive letters indicating Default Notice and of Intent to Foreclose, when we are current with our payments, especially when we just received a statement indicating we are current? 
A different issue with SLS, is charging a late fee of {$100.00} for XXXX XXXX payment, the payment is due on the XXXX of the month with a grace period to the XXXX of the month, if the XXXX is on a non-banking day payment is due the next banking day which was XXXX/XXXX/XXXX, the date of payment. 

XXXX XXXX did not agree to the amount, but a POC was filed for {$6200.00}
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Wednesday XX/XX/XXXX I noticed that I received multiple email alerts showing that I have new derogatory accounts on my Experian credit file. When I logged in to the Experian website, I noticed that two new XXXX XXXX accounts were in my credit file. 

I also noticed that these 2 files were in dispute status. I had just found out about this, there is no way that I have disputed these accounts. There were 5 experian disputes made between XX/XX/XXXX & XX/XX/XXXX that I did not personal place. The disputes were all of the new derogatory accounts added. ( File included ) On the Experian credit file, one of the XXXX XXXX accounts is showing a charge off as of XX/XX/XXXX and the XXXX XXXX account is showing a charge off every month from XX/XX/XXXX unitl XX/XX/XXXX. ( XXXX XXXX report File included ) On XX/XX/XXXX I received an XXXX credit report also showing these two XXXX XXXX accounts I had not ever seen before. The XXXX XXXX accounts show that the accounts were discharged through a chapter XXXX bankruptcy, which is incorrect and there is no mention of any charge off. ( XXXX Report File included ) I believe this to be a FCRA violation. 
I have also included a FTC affidavit report. 

I have also disputed these files with XXXX XX/XX/XXXX and the disputed XXXX XXXX accounts have been deleted.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Triton Management Group, Inc (AL)

I have an installment loan with Always Money in which I pay off on line. The payments are due the XXXX of the month, and II paid the XX/XX/2017 payment on XX/XX/2017 via debit card with a confirmation. I did receive an error message that the balance could not be updated. My bank stated that it cleared on XX/XX/2017 ; however, this store manager keeps calling me -- several phone calls on caller ID which I thought was telemarketing calls. Today, I answered the number and it was this store manager stating that I must pay on my loan because there is no record of my payment for XX/XX/2017 and that I am in default. I, immediately, stated that I should do a fraud alert with my bank because someone within Always Money must have taken it, and he stated no with a condescending-superior attitude. I stated that it was cold in my home -- heat pump problems. He wanted me to go out to the bank and do his research, but I refused. He kept stating that there were several banks in my area and I must go get a printout from the bank. I had just gotten home, my house was cold, recently completed XXXX, and he wants me to go out again driving on these icy roads to fix his problem. He then stated that a missing payment will hurt my credit, and I am thinking " why is he saying this to me '' because I always make my payments online and on time. I explained to him that I, also, have medical issues, and he stated that " you have all kinds of problems. '' I abruptly hung the phone up and tried calling corporate but call went to VM. I then called the XXXX, AL location and the manager there stated that she would research the problem and that it is not up to me to research the problem. This store manager in XXXX, AL is abusive, unprofessional, and not good at keeping records because the payment was made on XX/XX/2017 and cleared my bank on XX/XX/2017. Always Money should not be harassing me and criticizing my medical issues.
Consumer complaint received 2016-07-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I submitted a case ( XXXX ) concerning fraudulent information on my credit file with Experian. Experian responded and was very helpful in helping me fix and permanently correct these numerous issues. On Saturday morning, XX/XX/XXXX I noticed that one of the accounts had resurfaced and is reporting again on my credit file. I tried to all the fraud department but they were unfortunately closed. So, I figured since Experian was so helpful via this venue in the past, it would make more sense to go back through the CFPB portal. To date, everything appears to finally be accurate with the exception of the following account : XXXX XXXX - Acct : XXXX, Date opened : XX/XX/XXXX, Balance : {$7000.00} I am attaching the response letter I received form Experian confirming that this along with several other accounts were in fact deleted to better help expedite this process. I am also attaching my previous drivers license as well as my now new " temporary '' license that reflects my new and current address. I am attaching both to help confirm my identity especially since it takes up to two weeks to receive the " hard '' version of this state 's drivers license. 
Thank you for your help with this matter. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2017-01-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Collection Service, Inc (FL) (FL)

I am XXXX and request " reasonable accomdation '' to help me submit this " ambulance ride '' for " medicaid retroactive payment '' as I am unable to do so myself AND this debt is a direct result of my XXXX AND I WAS covered by medicaid " retroactively '' on XX/XX/XXXX. Thankyou.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX will not provide it to me and Experian will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither Experian nor XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.
Consumer complaint received 2016-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Until XXXX of this year I had a XXXX branded XXXX XXXX card. In XXXX XXXX dropped XXXX XXXX as their card of choice and switched to XXXX XXXX. The change was purported to be transparent to card holders. When I checked my credit score and found that ( unfortunately ) the switch to the XXXX XXXX card resulted in a drop in my credit reporting from XXXX the prior month to XXXX. The reason shown for the drop was the number of open accounts shown by Experion dropped by XXXX, the XXXX card was shown as closed by Experion, and the XXXX card was not shown as an active account. There is absolutely no reason why my credit should be damaged by a business agreement between XXXX and XXXX. I contacted XXXX and was especially dissatisfied and concerned by the XXXX and indifferent attitude shown by the XXXX representative who answered my email query stating I would have to wait 2 months until XXXX started reporting my account. Please note I jealously value my credit and demand XXXX and XXXX immediately correct this error and my credit score.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (OK)

On XX/XX/year> I made my minimum payment they trying to tell me my bank account closed that I have used 3 month prior now there charging me a XXXX. XXXX  late charge. On XX/XX/XXXX I called and spoke to a person by the name of XXXX  she said payment posted and not to worry. Today I call and they put me straight into collections. This is avant credit card company and I think they are taking money out my account. I told them wasn't paying no more until my balance is fixed. They won't send me statements so I have no clue where all of my balance came from and now my credit is XXXX  XXXX
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC (VA)

1. Overpayment Issue Never Responded to or Addressed I contacted Selene Financing numerous times during XXXX and XXXX, as they misapplied funds and their accounts show an overpayment of {$37000.00} in XXXX. When contacting Selene Financing, I contacted Selenes customer service several times via email and phone. 

I also contacted Selenes Loan Specialty Advisor, XXXX XXXX, several times about this including email and phone calls. As you will see in the attachment, XXXX XXXX never responded to my inquiry about the overpayment, despite his promise to do so. I have many documented communications with Selene Financing where they simply never respond to my questions. 

2. Incorrect Deferred Balance Amount On a separate topic, one of my accounts says there is a Deferred Balance of {$53000.00}. This amount is not correct. There should be {$0.00} in the Deferred Balance. 
I have reached out to Selene Financing many times about this issue as well, and have not heard back. I can also document these communications. 

3. Misapplied Funds Never Applied to Account One of my accounts shows that there was {$66000.00} in Misapplied Funds, that, without my knowledge, they removed from my account in XX/XX/XXXX without explanation. 
I have also contacted Selene Financing about this with no response. 

4. Improper Business Practices Related to Ignoring Customer Inquiries Selene Financing has taken advantage of us and of many other customers by not responding to customer inquiries, and forcing customers to overpay and be charged fees that are not valid. Customers are forced to pay the fees in order to free themselves from Selene Financing and move to another provider. In fact, we found and are part of several XXXX  groups devoted to Selene Complaints. We currently have several other mortgage servicers and have never had any problems with any other mortgage servicers. The other mortgage services do not have XXXX groups and other groups devoted to complaints about them. The Selene Complaints XXXX groups and other groups indicate that Selene has an ongoing record of not replying to and taking advantage of their customers.
Consumer complaint received 2024-09-27
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: Bread Financial Holdings, Inc. (FL)

I am having an ongoing issue with Commenity Bank for several months. It started with a refund that I never received. They do not email you directly, its all through an online system, unless they send you a bill due date or send you a letter saying your payment was processed. I have called at least 20 different times and emailed this company over 30 times, as well as sending them a letter to their po box , which I did not get a response from for 3 months. 
We are still in dispute. They refunded all the late fees being I was not late but will not fix my credit report saying I was late for the month of XXXX and XXXX. 
I have several letters for this company saying 'I will not be charged late fees or shown as delinquent or late to the credit agencies for those months. 
I have reported them several times through XXXX and XXXX, uploaded all of the proof of these letters and Nothing is done. 
I have seen over 50 people having the same type of problems with Commenity bank and they are getting away with it. 
What are the credit agencies for? What is the point of sending " proof '' to them if Nothing is done to help the people?? 

Please help me! 
XXXX XXXX
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THESE ACCOUNTS : ACCOUNT NAME : CITIMORTGAGE ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INQUIRIES : ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX INSURANCE DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX, XX/XX/XXXX ACCOUNT NAME : XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX ACCOUNT NAME : XXXX 'S DATE : XX/XX/XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA-THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. THANK YOU