davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (WA)

On XX/XX/2020 at XXXX {$500.00} was removed from my account by : XXXX XXXX XXXX XXXX XXXX VIA WEB XXXX WI ACH WEB I have no payment arrangements made with anyone nor did I owe anyone {$500.00} nor have I spent that specific amount. 

Key Bank denied my claim so now Im sitting here stuck wondering, who, why, how and How do I get my {$500.00} back?!
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Collins Asset Group, LLC (IL)

This account has been disputed at least four times with XXXX, XXXX, and XXXX. I, have never had an account with XXXX XXXX XXXX. The information is unable to be validated, or confirmed, and need to be removed.
Consumer complaint received 2016-09-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

This was a title loan and it was released XX/XX/2016. I received the release letter in the mail after I made the final payment at a SpringLeaf in XXXX, PA on XXXX XXXX. The new title for the car from the DMV was mailed to my home soon after.
Consumer complaint received 2015-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (AR)

Account # XXXX - Posting Discrepancies - Ref ticket # XXXX XXXX 1. This case has been open with Specialized Loan Services LLC since XXXX/XXXX/XXXX to investigate {$540.00} posting discrepancy to Account # XXXX ( Ref ticket # XXXX ). 
2. I called in their customer service on XXXX XXXX, XXXX to get an update on the progress and I was told that there was n't any noted update on the account which indicated any progress made rather your representative even accused me of submitted bogus data and tasked me to submit bank statement to prove payments. 
3. I have this property under a sales agreement with a scheduled settlement on XXXX/XXXX/XXXX demanding expedited resolution to avoid an inflated payoff amount. 
4. I have compared my bank shown sent payments with your SLS account details and I believe I have found the problem ( shown in below tables ) which began with a {$540.00} UFU Unapplied funds unidentified payment of payment posting on XXXX/XXXX/XXXX. 
5. My account has been in awful shape since then and never recovered back. 
6. I want SLS to correct their posting problem ( s ). 
7. If their resolution is later then my sales settlement XXXX/XXXX/XXXX where I may pay inflated payoff amount I would like a refund check from SLS amounting my missed payment plus any penalties consequently occurred due the posting error.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

There was no written consent by me or any disclosure from the creditor to report my payment history to the credit bureaus. I have been trying to resolve this issue for over a year. The account is current and paid off and closed by the creditor. I would like the payment history adjusted accordingly to current. Also multiple credit laws have been brought to their attention that they have broken and yet it hasn't been resolved. I am NOT breaking the law, I have paid everything that needs to be paid. They shared information that they should NOT have. I want my credit profile updated respectfully. I need XXXX of XXXX thru XXXX of XXXX all updated to current and paid in full please. NO LATES should be showing on my credit report. 

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 

Also the Cares Act is being violated also FDCPA false misreporting please update account to current and paid as agreed on time.
Consumer complaint received 2016-06-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Solomon and Solomon, P.C. (CT)

Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attemptsXXXX, and Solomon & Solomon continue to verify this debt without proper validation. Solomon & Solomon has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account is in dispute, they continue to reflect non payment monthly on my repute. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

Ditech financial was servicing my mortgage at the time I sold my home on XXXX XXXX, 2016. I was told that the escrow check would be mailed out on XXXX XXXX and I needed to give XXXX10 business days for delivery. The check was never received On XXXX XXXX I called back and requested a stop-payment on the original check and requested a new escrow check. That check was never received. On XXXX XXXX I called back and requested an update. I was told that there was an error in processing all escrow checks for the company and the escrow check was being mailed on XXXX XXXX. As of XXXX XXXX, I still have not received my escrow refund. I was told by Ditech customer service that the check was mailed on XXXX XXXX and I need to wait 30 days before they will issue a stop payment and send another check. Customer service informed me that XXXX escrow checks were delayed by the error in processing.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681e ( b ) Accuracy of report Compliance procedures XXXX  Account Number : XXXX Please remove it from my credit report.

2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. This account was PAID and AGREED. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Account was paid XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Account was paid XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. 
XXXX. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation.

Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2020-10-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NJ)

Hello, About 1 week ago, I received a letter from Loan Dept. my acct # XXXX, stating that I am {$180.00} short in my escrow account, which is strange, since I have a balance of XXXX they would charge me XXXX dollars more a month for a year to make up the difference, I did the math, that comes out to {$380.00}, which is {$200.00} more than the original {$180.00}. Is this Loan Depot or XXXX XXXX? I am on a limited budget, my main source of income is XXXX, and can not afford any unnecessary increase
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST HORIZON BANK (CA)

First Tennessee Bank had this account charged off, closed, void and released back in 2012, however they continue to report this account as BALANCE DUE AND PAST DUE account on my credit report.. which is damaging my credit ratings and has been causing me a lot of financial distressed. I find this to be a violation of my consumer rights when the bank states they charged off this account, no longer want to collect on it however keep reporting it on my credit report EVERY MONTH as a closed account with past due balance. I have been trying to resolve this issue with them for 4 months now, was told to submit a request in writing which I did 4 times now ( see attached ). They claim NOT to have received my letters and NOW they are ATTEMPTING TO COLLECT DEBT ON THIS ACCOUNT BUT CALLING ME NON STOP AT ODD HOURS OF THE DAY ... .PLEASE HELP
Consumer complaint received 2017-05-22
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

PORTOFILIO RECOVERY ASSOCIATES IS REPORTING DEBT ON MY CREDIT REPORTS AS A factoring company and this is misrepresentation. A " factor '' is one who buys corporate receivables at a discount not a JDB dealing in uncollected bad debt. In addition the call and make threatening and harassing calls, and continuously violate the FDCPA LAWS.
I HAVE FILED DISPUTES WITH ALL AGENCIES AND I HAVE ATTEMPTED TO CONTACT THEM FOR REMOV  AL TO NO AVAIL.
Consumer complaint received 2022-02-14
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. (FL)

My name is XXXX XXXX i am submitting this complaint without any influence from any party or agency.Please see attachements/ attached documents and ID as it contains my full complaints and request
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

i have disputed " XXXX XXXX XXXX '' with Experian, XXXX, XXXX multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from Experian & XXXX and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.
Consumer complaint received 2017-05-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On  XX/XX/16    I logged into my   XXXX   XXXX   XXXX   XXXX   account and made an additional payment of {$710.00} to my mortgage account which is due on on the first of the month. As stated, this was an additional payment being made as I already made my monthly payment. However, while making this additional payment I did not realize that I permanently turned off my automatic payment request that was being made on the  XXXX  of each month. As a result my mortgage account went delinquent in  XXXX  and  XXXX . However, I had no idea I was not making my monthly payment for  XXXX  or  XXXX . Since I subscribe to   XXXX   XXXX   and   XXXX   XXXX   I noticed at the beginning of  XXXX   XXXX   XXXX  started reporting to the credit bureaus that my payment was delinquent. I immediately called  XXXX   XXXX  to determine what had happened and found out the automatic payment was turned off. I had no idea that making an extra payment would result in turning off the automatic payment. I immediately paid my mortgage for the 2 months past due, and late fees. However,  XXXX   XXXX  will not reverse their decision to report this honest mistake to the credit bureaus and it is negatively effecting my  credit score  on all 3 reports. I attempted on  XXXX   XXXX  to submit my complaint to  XXXX   XXXX  and it went denied. I believe  XXXX   XXXX  is acting irrationally in reporting the late payment to the credit bureaus. I have NEVER been late on a payment to any of my creditors and I have been a  XXXX   XXXX  customer for over 10 years.
Consumer complaint received 2016-10-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (WI)

received a letter from courts that I am being sued XXXX XXXX XXXX represents lvnv funding llc as successor in interest to XXXX would have been nice to know it was charged off then sold but straight to court we go
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (FL)

LVNV IS REPORTING A COLLECTION TO MY CREDIT REPORT FOR THE PAID OFF CREDIT CARD.. MY NUMEROUS ATTEMPTS TO REACH THEM TO REQUEST THE VALIDATION OF THIS ACCOUNT OR DELETION WENT IGNORED AND THIS IS STILL DAMAGING MY CREDIT. PLEASE HELP AND REMOVE THIS FROM MY CREDIT REPORT IMMMEDIATELY
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

IndyMac/OneWest/XXXX and XXXX XXXX XXXX duplicated my credit status pertaining to the mortgage I had with IndyMac. The information submitted to the Credit Bureaus was duplicated. The same information was reported twice. One by IndyMac/OneWest/XXXX and the other by XXXX XXXX XXXX. This is incorrect reporting.
Consumer complaint received 2015-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I spoke to a rep over the phone and told her that I have disputed the XXXX account before and has come back verified. The rep stated she will submit a request and make sure to add that this account is not an unsecured account and the company will have to either update it to reflect wha the account really is or delete. I have previously sent in disputes as well disputing that I do not have an unsecured loan with XXXX XXXX XXXX. I sent in verfication from XXXX XXXX XXXX bwith documentation from the creditor that is not an unsecured loan. The results came back as paid and closed. No one is addressing that the account is reporting incorrectly. I do n't have an unsecured loan with XXXX XXXX XXXX. According to the Fair Credit Reporting Act that the credit reporting agencies provide you in the credit report that is sent out in the mail. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within XXXX days. However, a consumer reporting agency may continue to report information it has verified as accurate. XXXX XXXX XXXX did not verify that I have an unsecured loan with them. I called XXXX XXXX XXXX XXXX/XXXX/15 at XXXX ext XXXX, spoke to a representative that stated the reason the credit report is showing XXXX XXXX is because they do n't have any other options to choose. The explanation that I was given of this action that has taken place on credit report is not my fault and supposed to be removed for reporting false information.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

XXXXXXXX XXXX  still reporting to XXXX and that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts, but is also affecting me in trying to open accounts at local banks and has caused my existing bank to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an checking account is because of what's being reported to XXXX. This is literally the example of holding my banking privileges XXXX and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (VA)

I moved out of mallard cove apartments in XXXX va in XXXX of 2019 due to a protective order and domestic XXXX. I was advised that I did not owe any money. I never received anything in the mail from the apartment complex nor collections. I recently pulled my credit report and saw a collection company, national credit systems showing {$810.00} due for mallard cove. I contacted them and they claimed it was for rent. However, I never received any notification from them nor mallard cove. I contacted mallard cove and was advised they did not have records from 2019 as they have new management. I contacted the old management company and was advised they sent all their records to the new company managing the property. When I contacted the property again, I was advised they show {$810.00} but my rent was actually {$820.00}. They stated a late fee of XXXX wouldve been attached and I should have a {$250.00} credit for my deposit towards the amount. However, the fees do not add up to {$810.00}. Nor do I have an itemized bill showing anything. There has been absolutely no contact from the collection company nor the apartment complex.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC (FL)

I was offered a credit card pre approved. them I filled it out. When I received card XXXX dollars was due. Once the first year ends it is 10 a month. I never activated card, when I received a call from the company. They told me they would cancel card and refund the XXXX. 4 months later and account is open, never have I charged on card. Charging 25 % of limit was not on the application. Otherwise I would not have applied.
Consumer complaint received 2015-08-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

I had a contract with XXXX in 2010. My contract ended with XXXX and I switched over to a different company. I paid my bill to XXXX balance. I received a collection notice from Midland stating their are collecting a debt. I contacted XXXX, spoke to a representative stating my account is XXXX balance. I asked why is Midland reaching out to me to collect a debt. no answer. I understand XXXX was sued because they were charging unauthorized downloads etc ... Since the loss of the XXXX, the validations of the charges are inaccurate. feeling confuse.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Balance : {$12000.00}