davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-02
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WA)

rushmore filed with the uscfpb a response stating that m ymortgage loan with them has a maturity date on their amortization schedule of XXXX while their website states that the maturity date is XXXX. the XXXX has a balloon payment that was never disclosed by XXXX XXXX predatory lender in either of the XXXX required TILA disclosures. so now rushmore is not able to fell me what the maturity date is since there response to uscfpb says XXXX and their website says XXXX for my XXXX trust loan. 








Contact Us : XXXXXXXXHomeRushmore Loan Management Servicesphoto of a neighborhood Loan Servicing CenterCurrent Loan Information Make a Payment Automatic Payments Home Loan Assistance Loan Activity Tax and Interest Payoff Statement Year End Statement Personal Preferences Email Inquiry FAQ Log OutCurrent Loan InformationLoan Number : XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX printer-friendly versionBorrower Name : XXXX F XXXXPlease note all information is as of the end of the last business day. A business day is generally Monday through Friday, except holidays. If you have any questions, please call us at XXXX Monday - Thursday XXXX to XXXX PST, Friday XXXX to XXXX PST. 



General Loan InformationCurrent Principal Balance {$32000.00} Effective Interest Rate 5.000 % Loan Origination Date XXXX/XXXX/XXXX Original Loan Amount $ XXXXXXXXFirst Payment Due Date XXXX/XXXX/XXXX Loan Type Conventional Loan without PMIMaturity Date XXXX Payment Method Monthly Statement Payment InformationScheduled Payment Breakdown : Last Payment Breakdown : Next Payment Due* XXXXXXXXPrincipal & Interest $ XXXXXXXXTotal Monthly Payment $ XXXXXXXXPayments received more than 10 days after thepayment due date may require a late charge of {$10.00}. 


* If Next Payment Due date is in the past, additional payments, charges and/or fees may be required to bring your loan current. 


Principal Received $ XXXXXXXXInterest Received $ XXXXXXXXFor more detailed information, click hereYear-To-Date TotalsPrincipal {$340.00} Property Taxes $ 0.00Interest {$680.00} Hazard Insurance {$0.00} return to loan servicing center printer-friendly version Privacy Policy | Terms of Use | LicensingEqual Housing Opportunity. Equal Housing Opportunity | ( C ) Rushmore Loan Management Services LLC XXXX. All Rights Reserved. 

( C ) XXXX XXXX XXXX XXXX XXXX. All Rights Reserved.
Consumer complaint received 2015-08-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

XXXX XXXX XXXX has reported monies owed to them. We moved early in the month due to an apartment available through Housing Authority of XXXX XXXX XXXX who in fact sent an agent to inspect prior to our acceptance and he said and I quote i dont need to see anymore im familiar with these apartments XXXX and had to accept or lose our place on wait list. XXXX Properties kept our {$500.00} deposit and made no attempt to contact me. I just seen this on my credit report through Credit Karma. Not only does that cover the month but that company made no attempt to repair anything that was needed since we moved in a little over a year. This included faulty oulets which sparked every time they were used in fact two outlets had the top plug working properly in the entire two bedroom apartment, a broken window due to a gun shot that happened prior to moving in ; never fixed, mold and deteriorating wall due to water leak through patio door, cockroach infestation, etc. I feel in no way did we leave them " HANGING '' so to speak. The {$500.00} deposit they kept should have sufficed that slumlord and we left it clean!
Consumer complaint received 2015-10-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My XXXX, FL, Bank of America checking account had {$1200.00} withdrawn in XXXX {$600.00} amounts on XX/XX/XXXX. XXXX more attempts to withdraw identical amounts were stopped by the bank. The bank called me and asked if the withdrawals were mine. I said no. Their fraud department reference # is ... ... ... .. 
XXXX XXXX, I opened a new account ( XXXX ) at the same bank and the old account was closed. A police report ( ... ... ... ... ) was made at the XXXX Sheriff 's Office, District XXXX, XXXX County Florida, FTC notified, XXXX credit bureaus notified and 90 day freeze added to accounts, US Postal Inspector notified. 
The bank had sent a replacement ATM card to an address other than mine on XXXX XXXX and my account was charged {$5.00} which I did not notice until XXXX XXXX. That charge was removed from the account and ultimately the {$1200.00} was returned making me whole financially. 
Since the bank records all telephone calls re : replacements, I asked their fraud department for details, such as information that the bank requested in order to send to another address, but was told that only the police could get access to that information. My interest was in knowing what personal information the thief had to enable him and her ( there were XXXX individuals involved ) to get the card so that I could take whatever additional steps were necessary to prevent further attacks. I am still interested in that information. The police said they seldom followed up because it was generally a waste of their time... 
Background Information : Ironically an article on ATM thefts at other BofAs in the area had appeared in the XXXX XXXX XXXX XXXX where card readers were suspected. I had opened my BofA account in XX/XX/XXXX and had never used the ATM card except at the branch where it had been opened - and only for cash withdrawals of {$100.00} or less. I do not and never have used a debit card for purchases. My address has remained the same for the past 28 years and so my initial suspicion was that a reader card had been on the local branch ATM. When asked they said they checked it every morning only. 
I really have no complaint with the bank other than that they sent a replacement card to another person at another address and the only notification I had was the {$5.00} charge followed by the attempted thefts. 
It seems to me there should be a better way of covering potential thefts when replacement ATM cards are mailed to other than the regular address - either a written notification or telephone call in addition to email.
Consumer complaint received 2015-07-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NC)

I am currently attempting to purchase a home. Upon review of my credit report my loan officer contacted me informing me of a charge from XXXX that had been sent to a collection agency ( enhanced recovery ). To the best of my knowledge I have never had a contract with XXXX. I stopped by a local XXXX store to see if i could get more information on the account. The manager of the store assisted me by entering my social and drivers license numbers. He informed me that there was an account that had been sent to collections with my social but the names did not match up, the name that he was showing was XXXX XXXX. Afterwards I contacted the collection agency ( enhanced recovery ). I told the representative the situation and he was asking was there anyone with the information needed to take out an account in my name. I responded yes and he said that he would start a fraud investigation. My loan officer contacted me on XXXX/XXXX/2015 and informed me that enhanced recovery had determined the account listed under my name was mine because the name and social on the account matched mine.
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Kross, Lieberman & Stone, Inc. (SC)

A kross, Lieberman & Stone representative, XXXX XXXX, initiating contact about a debt their company is attempting to collect on XXXX XXXX, 2015. XXXX XXXX identified the debt as XXXX XXXX XXXX. On that day, I informed XXXX XXXX not to contact me at my place of employment ; and that the debt is being disputed. XXXX XXXX, the representative the company refused to give me her information, spoke in a threatening and belittling manner. She contacted me by phone again on XXXX XXXX, 2015, at my place of employment. The agent, XXXX XXXX, was again instructed not to contact me at my place of employment. XXXX XXXX then proceeded to call back an additional time on XXXX XXXX, 2015, and requested my employers fax number. XXXX XXXX later proceeded to contact my office yet again by faxing over an employment verification request, which I did not authorize. The request revealed my entire Social Security number and personal information. The harassment needs to cease immediately. 
I 've requested the company to stop all communication with me and with this address and any phone numbers you have listed in regards to this debt. The lack of professionalism and harassment XXXX XXXX displayed on the phone is the reason I am filing this complaint. 
I also requested that the comapnys records reflect that I have disputed having any obligation for this debt. If they forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Sent a 1099-A back in XX/XX/year>. Trustee XXXX XXXX refused to turn in to the IRS FOR PROCESSING. WHICH took care of the whole bill. Still cashing in my payment coupons using my name to do it. I am the holder in due course XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge all debts. They refused my XXXX negotiable instruments. Last one was {$1200.00}, marked my credit report as missed payment! They been cashing in my coupon for at least a year. Using the mail to commit trust fraud! Reporting to the XXXX XXXX XXXX and the IRS! I have copies of all the payments sent!
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (MO)

I set up a recurring payment for my son 's apartment in college. His rent is due the XXXX of each month. I set up the payment for the XXXX of the prior month. On XXXX XXXX, 2015, Citi took {$480.00} out of my account. The apartment complex called me and said they got today 's mail and it still has not arrived. Today is the 8th business day since Citi took the money out of my account and 10th calendar day. I am now going to be charged a late fee at the apartment. I asked Citi to cancel the check. They told me no. They said they will not cancel bill payment checks until 10 business days have passed and that I could call back on Monday to cancel ( Today is Wednesday, that would be 11 business days. ) They also informed me it would cost me {$30.00} to cancel the check.
Consumer complaint received 2015-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

We ( XXXX XXXX and XXXX XXXX, husband and wife ) filed Bankruptcy case XXXX here in the XXXX of Illinois. Pursuant to the settlement of this case the mortgage with XXXX # XXXX on this property was surrendered and transfered back to the bank. We no longer have anything to pay on this loan as it was discharged as of XXXX. The bank is continuing to report it as past due. I 've contacted the bank and received no response. I 've sent letters to the XXXX credit reporting companies. Equifax responded that the bank said they are reporting this correctly. This can not be correct as we no longer have this loan. Is the bank saying they will report this as past due for years although we no longer have an obligation to pay this loan. We are trying to reestablish our credit and have been denied credit as our credit scores will continue to go down and/or not change as this loan is continuing to be posted monthly as being unpaid.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (CA)

After being a Discover Card holder for more than a decade, I received an email dated XXXX XXXX, 2015 stating that, " As a result of a recent review of the Discover card account referenced above, we have suspended your account and it will be closed within 30 days from the date of this letter. This action will be taken for the following reason XXXX XXXX ) : Inactivity on your account XXXX XXXX ). " The letter states that should I have any questions regarding the actions taken on XXXX my ] account to contact Discover at XXXX. 

Upon receiving the email, I contacted Discover and was told by the CSR and her supervisor that my account -- contrary to what the email stated -- had already been closed. " Why, '' I asked, " would you have already closed my account when I had just today received a notice from you telling me that the account would be closed within 30 days from the date of the letter? Why even send the letter if the account was already closed and there is 'nothing you can do about it '? " It is my contention that this was a punitive action on the part of Discover as " maintaining '' a zero balance account in a computer database costs them nothing. 

For my part, I communicated to Discover that the elimination of my zero balance against a credit limit of {$10000.00} would adversely affect my credit rating and that this was unacceptable. I was then informed that I was welcome to apply for a NEW account and that my credit report would be pulled for a new line of credit with Discover. I told Discover that this too was unacceptable as an unwanted credit inquiry can also negatively affect my credit rating. 

Time and time again I was told that " there was nothing they can do '' and " that I have no other options. " I informed Discover that the reason for my inactivity was because -- after contacting Discover on numerous occasions -- they refused to lower my interest rate from an egregiously high XXXX percent. I have a current FICO score of XXXX and, knowing that I was receiving much, much lower rates on my remaining XXXX card, chose simply not to use my Discover card until such a time that Discover lowered my interest rate to one that more accurately reflected my creditworthiness. 

Ultimately, Discover has made a unilateral decision -- based not on my creditworthiness, delinquency or any act on my part -- that has the absolute potential to adversely affect my:1 ) Existing credit rating ; 2 ) The interest rate ( s ) that I am being charged for my existing credit, and ; 3 ) My ability to obtain credit in the future. 

Discover is in effect blackmailing me use their card when it is my prerogative not to do so ; and furthermore insisting that if I do acquiesce to their demand, that I pay an exorbitant interest rate to do so. 

I have informed them directly that I will be filing a complaint with this Bureau and will be pursuing legal action against the regarding this matter. 

It is my intention to have my account reinstated and that my hard-earned credit rating remain unaffected, completely whole and in tact.
Consumer complaint received 2015-08-28
Product: Other financial service — Check cashing
Issue: Disclosures — 
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

I went to XXXX in XXXX MS to cash my check my check was declined. I have been cashing the same check at XXXX for the past 5 years. I was given a code from Certegy I called their customer service they would not give me a reason but rambled on with different things but it was not specific on the reason. Certegy displays discriminatory evaluating a client when a person is cashing a check and has created a bad customer service for the XXXX Consumer. As of today 's date I have no idea for the decline and they would not tell me and verify the reason why. A few months ago I resolved a check that they said they would delete the check from their system as of today 's date it is still showing in the system as a bad debt and even though they deleted it from other agencies they are still having the same check in their system as not resolved and a bad check. They had already advised they were deleting the check and mark it as a paid and closed account but now they are alerting other check cashing agencies the same information and not deleting the check as agreed.
Consumer complaint received 2015-06-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MD)

Equifax is listing accounts that are closed as open, this is an intentional act to assist with keeping credit scores low. After disputing items on my report with Equifax they intentionally changed the status of these accounts to open causing my score to drop by over XXXX points. The accounts that are being reported incorrectly are as follows, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX accounts. By putting the accounts in open status it affects your credit score. For instance why would a collection account that has been closed and paid be reporting as Open. This only changed to open after it was disputed. Equifax is attempting to intimidate people that challenge information on their credit report. Equifax is also reporting a judgment as pending with out the date of filing, they are failing to report a tax lien that was released as released it just shows no status. I have also noticed that the reports that they send you is different then what credit monitoring services have on file as your report. I intend to start litigation against Equifax for this bold and malicious behavior if not corrected asap.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CASHCALL, INC. (TX)

I have been unfairly treated, ignored and repeatedly brushed off by Cash Call in violation of basic principle of fairness and common sense. This seems to violate Fair Credit Reporting ( FCRA ) and be a perfect example of Unfair, Deceptive And Abusive Practices ( UDAAP ). 
In XX/XX/XXXX I was solicited by and refinanced my house with Cash Call. I did so. 
In XX/XX/XXXX I received a further solicitation from someone at or posing to be at Cash Call to pay my monthly mortgage payment on a by-weekly basis in order to save interest and pay off the loan early. I did so. 
In XX/XX/XXXX I paid 1/2 of my mortgage payment 2 WEEKS EARLY and then paid the balance ON TIME WHEN the full payment was due. In total, I paid the entire balance ON TIME. 
A couple of weeks later I received a late notice on my mortgage payment. It turned out that Cash Call rejected both my early and on time payment since they do not take partial payments. I called them several times to work this out, was ignored, was prohibited from getting an address to send a complaint, was told there was no complaint resolution process, was not allow to escalate my concerns to any level - not even a supervisor, etc. They ultimately refunded both of my bi-weekly payments and reported me as being 30 days late before I could even figure all this out. The mortgage was fully paid off in XX/XX/XXXX and now I can not even find people who have record of any of this. 
Today I called Cash Call again to try one more time to talk to anyone that could help me and was completely stone walled! When I called the number given on the credit report XXXX referred me to her supervisor ( another XXXX? ) who referred me to the mortgage group where XXXX referred me to the Cash Call receptionist, who referred me to a recorded message that got me back to the exact place where I started originally. This has happened to me several times at every lever I have ever reached. I was told THERE WAS NO COMPLAINT RESOLUTION PROCESS. I am a XXXX of at least normal understanding but find it impossible to work my way through the Cash Call system and find a human being at any level that can address my complain. 
I am available to help you resolve this for me and will gladly file a complaint or otherwise assist the government in getting this resolved. Please help me. 
I respectfully request that Cash Call rescind my 30 day delinquent status that shows up for XX/XX/XXXX on my credit report.
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged.
Consumer complaint received 2024-08-09
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. (NY)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( Experian ) XXXX XX/XX/XXXX ( Experian ) XXXX XX/XX/XXXX ( Experian ) Please remove theses unauthorized inquiries from my credit report. These are fraudulent.
Consumer complaint received 2015-06-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE FARM BANK, FSB (PA)

On XXXX/XXXX/2015 I was arrested and sent to XXXX XXXX XXXX, While I was XXXX a lot of Fraudulent activity on my account, State Farm Bank was aware of my incarceration and they did not monitor my account properly : On XXXX XXXX, Multiple XXXX XXXX Transactions in the amounts of {$1400.00}, XXXX XXXX, XXXX transactions in the amounts of {$310.00}, {$160.00} were issued on XXXX XXXX, On XXXX XXXX I was issued an Affidavit and it was sent to the XXXX XXXX XXXX which I filled out and sent back, and a block was still not put on my account and I asked them not to issue me another debit card until my release from XXXX XXXX XXXX. My funds were replaced in XXXX it happened yet again, I was released on XXXX XXXX after accessing my account online, I went into online chat and was told that I would have to file a Police Report and that State Farm Bank does not have the manpower to monitor each individual account, other than that there is nothing that State Farm Bank could do for me. When I called Customer Service they stated that they issued XXXX debit cards without my permission and a card with my pin number on it. Contacted State Farm yet again with regards to this matter because I received a letter XXXX XXXX stating that my account is overdrawn and there is a block on my account, No transactions into or out of my account and my New Debit Card can not be activated, I have children and bills in my household that need to be paid. Where was this block on my account, when I really needed it?