davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received this email from a weird address on XXXX XXXX, XXXX CUSTOMER ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX ( XXXX ) XXXX Department of Law & Enforcement ( XXXX ) Copyright ( C ) XXXX XXXX | Privacy | Terms of use
Consumer complaint received 2015-07-03
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

# 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (DE)

I am writing because my Mortgage Servicer Ocwen reported a discharged amount to he IRS in the amount of {$22000.00}. They did not suffer a loss for this amount nor was my principal balance reduced by this amount after I completed a HAMP Loan modification in XX/XX/XXXX. I called Ocwen on XXXX/XXXX/XXXX and after spending 30 minutes on the phone the representative was unable to tell me why this amount was submitted and also confirmed that this amount does not reflect in my mortgage history. This is a huge error on their end and I can not file my federal income tax until it is resolved, otherwise the IRS will be looking to tax me on this amount as earned income which it obviously is not. I understand that during the course of the next 5 yrs there will be deferred interest and a principal reduction, however a loss can not be written off in advance prior to it happening. So Ocwen needs to either reduce my principal balance by {$22000.00} OR amend the XXXX and provide detailed information that reflects any loss they are reporting.
Consumer complaint received 2015-12-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (LA)

On XXXX XXXX, XXXX my mortgage servicer, Seterus, contacted someone unaffliated with my mortgage - my ex-wife. Our divorce was finalized in XXXX XXXX. The mortgage orginated in XXXX XXXX ( Seterus acquired the note XXXX ). Seterus has my contact information as well as my current wife 's contact information on file with the account. Yet, Seterus called my ex-wife 's house phone number which is listed under her current married last name and is different than the phone number that we had when married. The Seterus representative asked for me by name. The representative did not disclose why they were seeking me and refused to remove her name & number from the account at her request since she is not personally connected to the account. Seterus verified that they have my contact information on file as they contacted me via cellphone on XXXX XXXX, XXXX. The representative stated during that call that I was contacted on XXXX XXXX, XXXX, which I corrected. There is absolutely no way that my account with Seterus has my ex-wife 's information associated with it. My specific complaint is that Seterus conducted itself in an unprofessional, haphazard and wreckless manner by intentionally contacting someone unrealted with my account. This continued practice easily could result in Seterus breaching confidentiality.
Consumer complaint received 2015-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

My name is XXXX XXXX and I am filing a complaint on XXXX. I was shocked to find on my credit a debt of XXXX in XX/XX/XXXX or XX/XX/XXXX after running my annual credit report. I reached out to this vendor and they informed me that they were given my loan from XXXX XXXX. I did not understand what this debt was until further investigation which it belong to Beneficial that had closed their loan offices in XX/XX/XXXX. When I spoke with them in XXXX, XXXX acted like they were a legal agency who was taking me to court so I out of fear begin payments of XXXX per month and eventually as they called once a year and informed me that I was n't making a dent in my account I increased to XXXX per month. Several times I was inquiring about how the debt went from XXXX to XXXX and they informed me it was because of interest. This year I did some research about understanding my rights and I was informed that a agency should not misrepresent themselves as attorneys and any threats made to the consumer are also illegal. Furthermore, when requesting to speak with the initial debtor I was told I could not and they were handling my account. When reviewing my initial documents and questioning the amount I owed I discovered that I only owed about XXXX. Because Beneficial is no longer in business I was also made aware that they went bankrupt and that it may be possible that my debt is cancelled. I am wondering since I have paid XXXX almost XXXX am I still required to pay more than XXXX % of my loan. I read that a consumer must only be made to occur only 1/8 percent of additional fees.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today I received in the XXXX Mail my " TransUnion '' credit report dated " XXXX/XXXX/2016. '' Under the section entitled " Addresses Reported '' it has currently living at : " XXXX XXXX XXXX ; XXXX, CA ; XXXX. '' I am the victim of Identity Theft. I had previously called " TransUnion '' to ask them to please " Delete '' this fake " XXXX XXXX XXXX ; XXXX, CA ; XXXX '' off from my " TransUnion '' credit file and they wanted to " pay them '' first to do so! I have lived in XXXX, California for the XXXX consecutive years. I do n't even know " XXXX, California '' is even located at.
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A creditor left a voicemail for my co-worker telling her that I was being serviced with " legal '' papers and he basically threatened to get a hold of my HR department or someone else in my department. It was clear why he was calling, and now I am in trouble at work.
Consumer complaint received 2024-08-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (TX)

Credence resource sent me a letter regarding the debt in question. I answered them by disputing the debt with the incorrect information. they resent the letter again with the same information i disputed the debt asking for validation of debt for the correct information. I have not heard anything from them. date was XXXX {$120.00}
Consumer complaint received 2016-01-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PENTAGON FEDERAL CREDIT UNION (GA)

I have an auto loan with PenFed that they refinanced for me in XXXX. The loan was refinanced from XXXX XXXX and I have now received a letter stating that PenFed has raised my interest rate from XXXX to 14 % since XXXX did not release the title to them. My husband has contacted XXXX numerous times as the title was in his name and they have stated they have released the title to them. My husband also contacted PenFed about the issue in XXXX and they stated this was an error and my husband even opened a checking account with PenFed the same day. This is a fixed rate loan that should never should have been raised and PenFed before releasing a check to XXXX for the payoff of the vehicle should have obtained a copy of the title before doing so. I can not get them something I do not have and will not be held at fault. This is completely unethical. I am very saddened as PenFed has always been a good company to me but this is the worst financial injustice I have ever encountered in my life.
Consumer complaint received 2015-04-22
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. (CA)

about 7 years ago i started a cellular service with XXXX the plan i choose was a XXXX minutes for XXXX phones with an automatic cut off when the minutes run out. the store did not give me the plan requested and i end up paying XXXX overtime the XXXX month and when i call customer service they told me that i where going to correct the mistake and change the plan, but that never happened and again the the following month i got another bill for XXXX for overtime, so i pay only the regular plan and cancel the service, then they send me a bill for XXXX early cancellation plus the overtime. 
# 1 the store mistake cost me XXXX five hundred dollars # 2 customer service did not change the plan as i was told # 3 customer service was a bully when i ask for an adjustment # 4 XXXX breached our original agreement # 5 arbitrary they report me to the credit bureaus and my credit is damage.
Consumer complaint received 2015-12-31
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Razor Capital, LLC (OH)

In XXXX 2015, I received a court summons from XXXX XXXX XXXX for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from XXXX XXXX XXXX asking for a motion of default judgement against me. I was never contacted by Razor Capital, their client, nor was I ever contacted by XXXX & XXXX before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up Razor Capital and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ordered my free annual credit reports online but lost my connection before I received the reports from Transunion XXXX. When I tried to reconnect, I got a message that I had already received the reports. I reported it to annualcreditreport.com and they responded by mail but did not tell me how I could receive the reports.
Consumer complaint received 2015-07-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I was making regular monthly payments to one of XXXX XXXX collection agents. Then Navient took over, stopped the payment and I began receiving numerous threatening phone calls. I filed a complaint with the Better Business Bureau, a Navient advocate responded & said they would respond to me personally, which they did after a very long time. This man phoned me, but whenever I tried to get back to him, he never picked up and he did n't return my voicemail messages. The BBB case was closed, unsettled but put on file. After this, I began receiving threatening calls from the same nasty female Navient rep.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Genesis Lending (CA)

I attended XXXX which is located in XXXX, i was told i would find a job easily after graduation but the reality is that career representatives will push job leads requiring 4 to 6 years experience so i would wonder why??? The curriculum was out of order. Some classmates were denied education due to late payments. So now i have a minimum wage job to get me by in life while i have to pay student loans for an education that im not using.
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NY)

In XXXX 2015 I discovered that I was the victim of identity theft. Someone using my name obtained XXXX credit cards using a XXXX, Oregon address. The total balance on these XXXX cards was around {$40000.00} ( XXXX XXXX, XXXX, and XXXX ( a credit union in Oregon ). I filed a police report along with formally contacting all XXXX credit reporting agencies and the XXXX credit card companies. I received written confirmation from each of the XXXX credit card companies that these accounts were fraudulently obtained. I subsequently received confirmation from the XXXX of the XXXX credit reporting agencies ( XXXX and XXXX ) that they had removed all information relating to these XXXX accounts. Equifax removed XXXX of the XXXX ( XXXX XXXX and XXXX ) but refuses to remove the third ( XXXX ). I have contacted XXXX directly who confirm they have now twice sent the confirmation of fraud to the XXXX agencies. I have put XXXX fraud investigations in with Equifax XXXX written, online, and over the phone and I keep getting the same response that the XXXX account " belongs to me ''. I have attached as evidence the letter I received from XXXX in XXXX, 2015 verifying that they view this account as fraudulent. This letter was faxed ( and verified as received ) to Equifax on XXXX/XXXX/2015 but they continue to list this on my report. 

It is clear to me that other information from Equifax is erroneous and not consistent with that seen with the other credit reporting agencies. Both XXXX and XXXX list my current employer as XXXX which is correct as I have been an XXXX here for 4+ years. Equifax lists my most recent employment as XXXX. This was a position I held 30 years ago as a college student.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: DISCOVER BANK (VA)

For 8 months I worked with Discover Home Loans on a mortgage. They approved my initial request, locked in the rate and gave me a " close on time guarantee. '' At one point I asked to increase the amount of the loan ( when I was worried my house would n't sell before the new house was done ). I was told that increase was approved. Then my house sold and I requested that they go back to the original amount approved. That was 2 months before closing on my new house. They continually assured me that my mortgage was approved. Before XXXX XXXX, 2015 they knew the closing date of XXXX XXXX, 2015. They failed to close and my family was left without a place to live. On XXXX XXXX they failed to close because their paperwork was not ready. On XXXX XXXX they failed to close because there was an error in the amount of the loan. On XXXX XXXX they failed to close because they had the wrong zipcode on their paperwork. On XXXX XXXX they failed to close because they could n't get their work done. On XXXX XXXX I borrowed from my retirement plan and settled on the new home -- because my family was left homeless by the " game-playing '' and failure to follow through of Discover Home Loans. I want everyone to know of the nightmare they put me through. I have extensive documentation to prove what I am saying. The settlement company said they have never seen a customer treated so badly. This was abuse and something should be done to stop them from making promises they ca n't keep. The " {$1000.00} guarantee '' that they will close on time is worthless because they only pay out if you stay with the abuse and close with them. It is a racket and should be stopped.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (MS)

My account was turned over to Professional Debt Mediation on XXXX XXXX, XXXX. I have contacted them once before today in XXXX XXXX. I have never paid anything on this account. When my credit adviser checked my credit report, he saw that they had reported activity on XXXX XXXX, XXXX. He advised me to call and ask them to remove the false report. They refused and argued that I had been lied to. Professional Debt is reporting the last date of activity on this account in error which is a violation of the CFPB. Please have this account deleted because of their error.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (WA)

I believe OCWEN and the loan investor XXXX did not act in good faith when working with me to modify my Mortgage loan during my financial hardship. Ocwen repeatedly denied receiving my loan modification package and sent foreclosure notification letter that did not allow me the appropriate amount of time to respond. In spite of my continued communications with them they began the foreclosure process in the fall of XXXX. 
In the winter of XXXX Ocwen commited XXXX XXXX dollars to work with distressed homeowners. However, in XXXX of XXXX they were still unwilling to provide me a reasonable loan modification. In XXXX XXXX I was offered a loan modification to pay nearly $ XXXX for a home valued at $ XXXX. When I appealed the offer I was informed that my investor XXXX XXXX XXXX XXXX did not participate in Principal Reductions. 
I do not believe the Ocwen or XXXX thoroughly reviewed all of the options available. I believe straddling a homeowner with a mortgage % 100 underwater is very reminiscent of the Predatory lending practices that began U.S financial crisis of XXXX. On XXXX XXXX, XXXX The XXXX ran an article titled " Ocwen and Bondholders Clash over Mortgage Services. '' XXXX XXXX of the law firm XXXX, XXXX and XXXX is quoted " investors, including " certain hedge funds, '' also continue to object to the use of principal reductions, which are often the most effective way to help struggling homeowners avoid foreclosure. '' 1. ) I am requesting that Ocwen provide a list of the loss mitigation options that I was considered for and explain the outcome of each option. 
2. ) I would also like a copy of all of the documents that were reviewed in my loss mitigation option review.
Consumer complaint received 2016-02-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: EOS Holdings, Inc. (FL)

I received correspondence re a debt which is not valid since it was paid off to the original creditor in 2015. I called the company and advised them that the debt was not valid and that it had already been paid and asked them to STOP calling me or sending me correspondence because it was not valid. To the contraire of my request, they continue the calls and messages and have not provided proof of debt validation as I asked them to confirm with the original creditor that it was paid off.
Consumer complaint received 2016-01-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (IA)

I have experienced a financial hardship due to my father 's death, my mother 's XXXX treatment, and a child becoming XXXX all within a period of a year. As a result, I have had difficulty making and keeping payments for my car. I have attempted a workout with the loan company, but they took payments on the wrong date, charged excessive fees to pay by phone, and attempted to take money from an account that no longer exists, despite me advising them of such. The car was out for reposession, however, they did not get it when they said they would. I have filed a complaint with the XXXX but not heard anything. I have no idea if they are still attempting reposession or not or are willing to modify the loan. The UPB is XXXX times the value of the car, and they refuse to work with me. XXXX representative stated the loan is charged off, but they will accpet the past due to reinstate the loan. I have made payments towards the past due, but I have not gotten receipts of those payments, despite the money clearing my account. They payments have not been returned, either.
Consumer complaint received 2015-12-30
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

When signing up for XXXX XXXX XXXX Cell phone service on XXXX of 2015, I was told multiple times that XXXX XXXX XXXX would not do a hard inquiry into my credit report and that it would not show up on my credit report or affect my credit score. However, the company did do a hard inquiry. I disputed this claim but Equifax determined within 24 hours and getting no documents from me that it was authorized. However, I have screen shots proving that XXXX claims that they will not do a hard inquiry when signing up for cell phone service. 
I have tried multiple times to contact XXXX ; first by using the number provided on the dispute and then calling all the different numbers that XXXX employees give me. I have not been able to speak to anyone at the company about removing this inquiry. 

On this dispute, I also disputed XXXX 's claim, but the company is working with me to remove it. I am also in the process of contacting XXXX and XXXX for the same problems.