davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (OH)

Hello, I have never had an account with XXXX XXXX They have reported a collections account # XXXX to all three credit bureaus since XX/XX/2016 for a amount of XXXX. I have submitted letters to three bureaus asking them to ask XXXX to validate, meaning send me paper with my signature on it and they have yet to send anything and its still reporting negatively on all three reports. THEY HAVE NOT SENT ME OR THE BUREAUS ANYTHING but a statement saying its mine with NO SIGNATURE. I have disputed twice this year. Every time I dispute XXXX results In more and more phone calls from their " Legal team '' which I am not to sure is a real legal team. They have threatened to sue me every time. Just this past month I contacted both the bureaus and XXXX XXXX trying to get this collection agency to send me proof that they have even have a license to collect in the state of Ohio because I've researched on that the secretary of state page and even spoke with a representative and they verified that they can't find a license to collect. When I called XXXX XXXX asking the same question they transferred me to their legal time. When speaking with the legal team they wanted me to make a payment before they went any further. THIS DEBT IS NOT MINE. XXXX XXXX DOES NOT HAVE A LICENSE.
Consumer complaint received 2018-03-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

A case manager from this company called and left voicemails for 4 people in my family leaving rude voicemails for the ones that didn't answer and rudely talking to my aunt who unfortunately did answer. I called the number they all gave me to figure out why they called my family. Well when I get on the phone with said case manager at XXXX I ask why he contacted 4 people in my family he then proceeds to yell loudly at me and call me and my family a liar even though my little sister who lives with me played the voicemail on her phone not 10 minutes before. These people are rude and obscene.
Consumer complaint received 2018-03-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

in 2015 my health declined, due to XXXX  from a loss of income which was very much needed my childsupport. i tried my best to maintain my finances in better position for my household. i did overtime alot which kept me away from home and my XXXX daughters.this led to a disaster, my XXXX older where skipping classes getting low grades etc. therefore i was forced to stop working so much, my household was in desperate need of a stable parent. i went to citi and informed them of my situation and my need for help, but got no help. my finances slowly declined as my health did. i sought the help of family and friends, but they could only do so much. i then had to take out paydayloans to stay afloat. citi offered ( NO LOSS OF MITIGATION ) help theyve violated the Real Estate Act. RESPA i sought the help of NACA. IM in dire need of help!!!!!
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX XXXX. Keeps lying about this issues XXXX XXXX XXXX claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care
Consumer complaint received 2018-03-16
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: Experian Information Solutions Inc. (TX)

I initiated an online dispute on or aroundXX/XX/XXXXin regards to two XXXX XXXX XXXX collections on my account, which is was never notified about. I am trying to clean up my credit but the disputes came back as valid. I then went online and checked out the claims with my health care provider. For the two claims, XXXX advised that I should not have been asked to pay more than {$8.00} ( I'm rounding ) for one and ( {$160.00} ) for the other. XXXX ended up initiating an additional payment for both of these claims around XX/XX/XXXX and left me a balance of {$50.00} on one and {$190.00} on the other. I was able to pay the {$50.00} online through the XXXX  website so at the very least, had a credible investigation been done, the amount due would have been updated. I was not able to make the other payment through the XXXX website so I called XXXX XXXX XXXX to make the payment over the phone. I was advised that they no longer service this account and to dispute it with the credit bureau. I again initiated a dispute with the credit bureau, only for it to again come back as validated.
Consumer complaint received 2018-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I did not have an account with XXXX  XXXX in XX/XX/XXXX. I have an account with XXXX XXXX now opened in XX/XX/XXXX. This debt is not mine. I am in good standing with XXXX XXXX and my credit history with them is great.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have disputed several negative several negative accounts on my TransUnion report asking that they be deleted because they I have not been provided with the original documentation with my signature on it.The following accounts are : XXXX XXXX XXXX acct num : XXXX XXXX XXXX acct num : XXXX XXXX XXXX XXXX acct num : XXXX
Consumer complaint received 2018-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PENTAGON FEDERAL CREDIT UNION (MI)

I received a check to use in the mail saying Im pre-approved for a personal loan. It said I would be getting a XXXX so I was not interested. I then received an email stating Weve lowered your rate. You will now get a XXXX I work in a XXXX XXXX myself and the fine print read Offer current as of XX/XX/2018. 

1 In order to consolidate an existing PenFed loan, line of credit, or credit card, the current Bill Consolidation Loan rate must be equal to or greater than the rate on your existing PenFed loan, line of credit, or credit card. No more than 50 % of Bill Consolidation Loan funds may be used to consolidate existing PenFed debt. PenFed does not permit internal refinances of an existing PenFed Personal loan or Bill Consolidation Loan. 

Loan amount determines term. All loans are subject to a minimum monthly payment of {$50.00}. 
Questions or comments? Contact us. 

To change your email address, please log on from our home page. This will ensure that your official records are updated. After you log on, go to " account actions '' then " Update Profile ''.

So this is not stating that I may not get that rate or anything. Nowhere on the email does it say as low as. I called to make sure and I was verbally told yes, I will be getting a XXXX. I deposited the money in my account of $ XXXX and when I go online, I see I have a loan of 12.99 %. Thats higher than some of the debt I want to payoff. I called and spoke to a supervisor named XXXX and he said they will not be able to honor the rate of XXXX
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (CA)

This debt keeps popping back up on my credit report in different amounts. I am not sure if XXXX has sold it to one company who then sold it to another company and so on and so on. The debt has been satisfied a long time ago.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX has been calling me since around XX/XX/XXXX for debt that they allege i owe. I have asked them multiple times to stop calling me as i am not sure what they are referring to. However i am of poor health and the constant calls have been worsening my health as they bring unnecessary stress which further worsens my health. I finally sent the company a cease and desist letter through certified mail to the company and it was received on XX/XX/XXXX by XXXX XXXX. Since than i have received another collection call dated on XX/XX/XXXX from phone number XXXX. I informed the representative of my letter and hung up however i am worried that they will disregard this letter if they are not given some sort of penalty for violating the law and continuing to contact me. any assistance is greatly appreciated.
Consumer complaint received 2018-03-15
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. (WA)

There have now been three attempts to validate XXXX account on my credit file. They conducted an investigation in XX/XX/2018, but their investigation conflicts with XXXX   investigation who also conducted an investigation at the same time. I don't even know if this account is even mine and Transunion and XXXX have failed to validate the account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2018-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2017, I was offered a promotion by a representative from American Express ( Amex ) during a phone call. The promotion was about adding additional authorized users ( additional cards ), and I would earn XXXX Membership Reward ( MR ) points after {$500.00} purchase of each additional card. Up to XXXX MR points in total. I accepted the offer and added 4 additional users to my card. The whole process was monitored by a supervisor of the representative, and they ensured me that they would keep this in mind and if all of the additional cards hit the {$500.00} purchase requirements, they would credit the XXXX MR points to my account. They especially guaranteed this because the offer was initially removed by a representative by accident without my permission, but they manually added this offer and the supervisor promised me that he would honor this promotion. 

All of my additional users spend more than {$500.00} by XX/XX/XXXX this year, but the MR points have not been credited to my account after a few weeks. Therefore, I called Amex multiple times and even reached out their supervisors several times, but they seemed to know nothing about the " promise '' the supervisor gave to me ( he previously said he had put notes to my account to honor the promotion ). Thus, Amex agreed to set up a case for investigation. However, in XX/XX/XXXX, the case was still pending. It has been more than 6 weeks since I first contacted them about this issue. 

Importantly, it is not something difficult for Amex especially when my conversation with the supervisor on XX/XX/2017 is recorded. I feel helpless and depressed because Amex first gave me the promotional offer and guaranteed that the offer would be honored. Then, when I met the promotional offer, they started to shirk responsibilities. Customers are always in a passive role, especially in such situations. I really want to Amex to go ahead and check to the conversation record and honor the XXXX MR points. Keeping promise is an important policy for any merchants.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

The Rushmore Loan Management Services LLC holds the loan on my mother 's house. The property is being sold " as is '' because she can no longer financially carry the house or manage it. There are two departments at Rushmore the Loss Draft and Loss Mitigation departments. We are currently dealing with both. 
The problem is that the two departments are not in agreeance on how we should resolve our situation. The contractor should be paid by Loss Draft for his work which Loss Mitigation wanted done before they could proceed with the sale of the house. Rushmore Loss Draft is refusing to release the funds. And Loss Mitigation will not accept or process any offers if all issues are not resolved prior to it coming to their table. 
The longer Rushmore turns down offers, the worse the situation becomes for this inner-city house. The house is vacant now and has been broken into several times. We have called repeatedly but we have been refused a three-way conference between the seller and the two departments. 
They have repeatedly given us excuses as to why they can not provide funding. Rushmore agents never give us the same information twice. They will not put things into writing and have even called to say they gave us the wrong information and will not honor the cash amount they said they would offer the contractor because they did not read their own notes clearly. This is very unprofessional and unacceptable and should be addressed immediately. 
There is a huge disconnect between the two departments which ultimately leaves me, the seller, at a loss and at a stand still.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per Federal reporting regulations and the MANDATED COMPLIANT XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay. 

I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements
Consumer complaint received 2018-03-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (NJ)

In a form letter dated XX/XX/XXXX U.S. Bank advised me that they have told a credit bureau about a late payment, missed payment or other default on my account. This notice was forwarded to the credit bureau by U.S. Bank over XXXX cents. Yes, XXXX cents. I just wanted to put this report in proper context. 

On XX/XX/XXXX at approximately XXXX hours I contacted U.S. Bank by telephone. The third person I spoke with identified herself as XXXX and stated she was a manger. She later provided me with a direct telephone number of XXXX. I gave her my payment history for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I explained that XXXX XXXX payment was due XX/XX/XXXX. I did not want the payment to be late, so I made the payment on XX/XX/XXXX. She stated it looked like U.S. Bank applied two payments to the same month. She stated that the matter was completely 100 % the banks fault and that she would file a dispute with U.S. Bank on my behalf. 

The story changed when I received a second letter from U.S. Bank. This letter stated that my payment on XX/XX/XXXX did not satisfy the amount due on XX/XX/XXXX because the payment was XXXX cents short. The letter stated that this left my account past due and a late fee was assessed on XX/XX/XXXX. The letter stated my payment on XX/XX/XXXX satisfied the payments due on XX/XX/XXXX and XX/XX/XXXX to bring my account current. 

Please note that I have been a customer in good standing with U.S. Bank for several years. I have both a home equity loan and a mortgage with U.S. Bank. I never received notice that my payment was XXXX cents short. I was not provided with an opportunity to pay the XXXX cents before I was charged with a late fee and reported to the credit bureau. I made a payment to U.S. Bank for over {$350.00}. Again, it was XXXX cents short. 

The third letter I received from U.S. Bank stated, the account information submitted by U.S. Bank to the consumer reporting agencies was accurate and no changes will be submitted. I believe U.S. Bank has treated me shabbily. I wanted the opportunity to put any generic statements via form letter the bank made in proper context. My FICO score has dropped considerably and I hope you will consider my position
Consumer complaint received 2024-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I hope this message finds you well. I am writing to seek assistance regarding my Capital One account, which has been charged off while I was enrolled in a XXXX XXXX due to my financial difficulties as a XXXX XXXX XXXX XXXX 

After discovering my past due account, I contacted Capital One and was informed of the need to check in monthly. Despite my efforts, I recently learned that my account had been closed due to non-payment, even though I was following the program 's requirements. {$5500.00}. 

I have also received threatening letters from XXXX XXXX XXXX without prior communication. I was served papers stating I would be taken to court if I did not respond. My attempts to reach them have been met with rudeness, adding to my stress. 

As a single mother of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am struggling to provide for my family while relying on government assistance. The ongoing stress is affecting my mental health, and I fear for my family 's wellbeing. 

I believe my rights to fair treatment and support are being compromised. I kindly ask for your help in addressing this situation so I can focus on my family 's needs.
Consumer complaint received 2018-03-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MN)

I obtained a mortgage from Flagstar 3 years ago. We were initially told our PMI would be waived after 2 years, we are now in the final stages of the PMI waiver process. Our account has met all of the requirements, we just needed confirmation with a BPO that our home value has not decreased in the past 3 years. 

We had a BPO conducted in XX/XX/2017 and that BPO was facilitated by XXXX using a local broker that specializes in foreclosures. My concern about using brokers that specialize in foreclosures is that this will likely result in a lower assessment of a home, since they are basing their assessment on an home that has not been cared for and are in financial crisis. When our BPO came back, they had indicated that the value of our home had decreased by $ XXXX in 3 years. Considering that we had recently completed a remodel of over $ 100k and live in an area that was a hot real estate market, I was pretty confused. When I reviewed the BPO data, it was clear that they had based their assessment on false data. They compared our home to homes with few bedrooms, bathrooms, garage spaces, square footage, etc ... After bringing this to Flagstars attention, the broker updated the BPO and was still showing a decrease in value of $ XXXX. 

We provided properties that were an exact match to ours that were selling for well over what our original appraisal was. Over the last 7 months, I have made numerous phone calls, sent multiple letters and still have no resolution as to why the 3 properties I provided are not being used for the BPO. The only response I have been given is that the properties had been remodeled. 

Flagstar has access to all of the data. Pictures of our remodel. A written description from the Broker that completed the BPO indicated that we had our home remodeled with VERY EXPENSIVE upgrades. Flagstar also has the data referencing the amount of money we spent on our remodel since we used them for our loan. They also have our property tax information from the last 3 years showing our escrow continues to increase to pay our increasing property taxes because the home value continues to increase each year. Yet, Flagstar, XXXX and XXXX XXXX are unwilling to revise the BPO or provide any explanation as to why our home would not be comparable to the properties provided. Flagstar also appears unwilling to review and leverage all the data points they have that would clearly indicate our home has not decreased in value in order to waive the PMI.