davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-20
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

I have been recieving repeated calls from a company called " XXXX ''. They claim that they have been hired by Ace Cash Express to 'retain a statement regarding impending legal action ' about a payday loan that was taken almost two years ago. They wont give me any further information, and claim to be a network of attorneys debating taking legal action against me. I asked for a verification of the debt and they refused to provide ... This was a red flag. I called Ace Cash Express and they say that they sold the loan last year. This XXXX companyproceeded to verbally harrass me, told be that i have been 'writing bad checks ' and 'defrauding a financial institution. ' After I asked them to remove my work number, as my company prohibits personal communications on the company line, and only contact me on my cell phone they claimed they couldnt do that, stated " I dont have time for your XXXX games '' and then hung up on me, called the owner of my company and left him a long message stating that " XXXX XXXX, your employee, is writing bad checks, and embezzling funds '' and " XXXX XXXX i really just need you to bend him over and give him a good spanking, so that he stops all of his illegal behavior you know these are serious crimes ''. I called the number back and asked for their address or contact information and they refused to provide it, but began to berate me again, telling me that they will keep calling my employer, and my family, and i would have less of a chance of being fired from my company over all of this if i just paid up. I feel that they are operating outside the law and their tactics are extremely harassing. They still call my phone XXXX four times a day as well as call my work. Their number is XXXX.
Consumer complaint received 2016-08-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: DHI Mortgage Company (CA)

A Mortgage company, DHI, and my Mortgage Broker, XXXX XXXX, who is an AGENT for DHI MORTGAGE COMPANY, interfered with a contractual relationship I had with my builder, who sold me the new home, and my real estate agent and her broker, who agreed that I was to get a " CASH REBATE '' of {$2000.00}. The Mortgage Broker Company, DHI, and their agent, XXXX XXXX did the following : He informed me, 5 days, prior to my new home closing escrow, that DHI MORTGAGE CO. would n't fund my loan, as per XXXX Requirements, if I ( XXXX-buyer of new home ), were to receive my legally agreed upon CASH REBATE. The CASH REBATE FORM WAS LEGALLY SIGNED by the XXXX parties agreeing that I 'd get the {$2000.00} cash rebate. XXXX XXXX, mortgage and agent to DHI Mortgage CO. forced me under DURESS AND BY COERCION and by FRAUDULENT MISREPRESENTATION, to sign a VOID FORM, voiding my {$2000.00} CASH REBATE THAT I WAS LEGALLY ENTITLED TO RECEIVE. He also, " legally '' interfered with a CONTRACTUAL RELATIONSHIP I HAD with the Builder and Agent, who XXXX signed that CASH REBATE FORM, legally guaranteeing me that I WAS TO RECEIVE the {$2000.00} UPON CLOSING ESCROW. LASTLY, it is ILLEGAL to INTENTIONALLY LEAVE OUT SIGNED FORMS that are PART OF THE PAPERWORK, ESCROW, etc. The CASH REBATE FORM, guaranteeing my {$2000.00}, and the VOID form, which I was forced to sign, WERE INTENTIONALLY NOT INCLUDED IN THE FINAL ESCROW PAPERS. Even though DHI Mortgage and Their Agent, XXXX XXXX did n't sign the REBATE FORM, he did legally and INTENTIONALLY INTERFERE with me getting that CASH REBATE, by refusing to FUND MY MORTGAGE LOAN, 5 days, prior to closing. It takes a couple of months to submit papers, run credit checks, have them check my employer, etc. Nobody in their right mind would walk away from a new home after being approved and the loan ready to fund within a few days, and this is the only way the funding would occur, is if I would forfeit my {$2000.00}. It is n't as though I was working separately with a bank or separate Mortgage Co. Remember, the BUILDER OWES and operates DHI MORTGAGE COMPANY, so XXXX XXXX knew EVERYTHING THERE WAS regarding all paperwork, contracts legally signed, etc.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID)

Case number : XXXX Filed XXXX/XXXX/XXXX I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( XXXX was the lender at the time of the Bankruptcy ) Rushmore response XXXX/XXXX/XXXX We have conducted an investigation and corrected the error asserted within the received correspondence. Rushmore has confirmed that the Chapter XXXX Bankruptcy case you filed was discharged on XX/XX/XXXX. Please note that Rushmore submitted an update on XXXX XXXX, XXXX, to the main credit repository agencies to reflect the Loan as Closed, Discharged Chapter XXXX Bankruptcy. Please allow 30 days for the credit bureaus to update your account with them. We apologize for any confusion or inconvenience this matter may have caused My current complaint that still needs resolution. XXXX/XXXX/XXXX The words " settled for less than owed '' are the words that still need to be removed. This is the statement that is not allowing me to get a new home loan. I filed the BK over 6 years ago and this does not affect my ability to get a home loan. What I need the letter to say is " to remove all working related to settled for less than owed. '' What it should say is just Ch XXXX BK and give directions to the XXXX to remove all other verbiage more specifically to remove the " settled '' verbiage. I discuss the last letter you sent with the Bureau 's and unless it tells them to remove the " settled '' working, they will not remove it. Again, this is the working that is not allowing me to get a new home loan and as I file BK against the loan XX/XX/2009, I am no longer responsible for the loan and it can not go against my credit after the BK. Please address this issue immediately so I do not lose the home that I have an offer on.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$100.00}
Consumer complaint received 2016-01-26
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SecurityNational Mortgage Company (FL)

I applied for a pre-approval with Security National Mortgage Company and was told that I was approved, but the mortgage broker did not want to give a set amount so that I would not go too the higher end of the approved amount. I picked a home, put an earnest deposit and followed all instructions. 3 months in and no closing has been done, I 've been told I can not get my deposit or inspection money back and am now being told that in order to be approved, I have to sell my current residence. I never received a pre-approval letter from the lender or broker and now the selling agent has informed me that the pre-approval letter he received was forged and not valid. The mortgage broker I was working with was offered to do a mock sale, " XXXX XXXX '' sale in his words, in order to pre-approve me and at XXXX point asked for my daughter 's social security number to make it seem as if we were selling the house to her. He would avoid my calls and eventually I was told he no longer worked for the company. I called the bank yesterday to file a complaint and was told I had the wrong number. I clarified who I was calling for and my reasoning, then was told that an investigation was going to be done and that I would receive a call back. Within 5-10 minutes of hanging up, I received a call back from the original broker, XXXX, asking why I had filed a report and that the money should be returned by the seller. He said he would call the seller 's agent and hung up. I then contacted the seller 's agent, XXXX, and he verified that he has not ( yesterday nor today ) received a call from Security National or from XXXX in regards to this situation. I 'm losing out on money because this company did not do their job correctly and did not provide due diligence either.
Consumer complaint received 2016-01-28
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I received a call this morning from a group that identified themselves as a courier service that wanted to make sure that someone would be available at my home to receive legal documents. 

When I asked what legal documents the person was referring to they let me know that they would have to transfer me to XXXX XXXX who had more information on the situation. XXXX, the representative for XXXX XXXX let me know that Ace Cash Express was seeking a civil suit against me for a remainder owed on a payday loan from XXXX of 2015. 

When I just spoke with XXXX she let me know that her company was not a debt collection company and that was why she failed to let me know that her call was an attempt to collect a debt. It was my understanding from our conversation that she was representing XXXX XXXX in a civil suit being levied against my by Ace Cash Express. 

However, Instead of providing me with just that detail XXXX told me that I could resolve the Civil Suit by taking care of the remaining balance due with a credit or debit card over the phone with her. I gave my information to avoid any further possibility of a civil issue and XXXX told me that the suit would be cleared immediately.
Consumer complaint received 2016-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. ()

I live overseas, and I 've been dealing with JP Morgan Chase, who closed an account overdrawn and due for a refund, which they would not process from a vendor due to microtransaction withdrawals being denied. They then proceeded to close my account after 60 days as " charged off '', even though I received confirmation from the vendor the refund went through, meaning I had a positive balance of US {$310.00} in my account. Chase refuses to re-open the account, nor will they mail me a check for the balance owed. I 'm currently living overseas, spent over an hour on the phone with their Deposit Account Recovery Team, who said they are unable to help any further and referred me back to Customer Service, who repeatedly tell me to contact the Deposit Account Recovery Team, despite my continual reminder of their inability to serve my needs. They 've trapped me in a loop of referrals in which no one will serve the complaint, and they owe me money, while continually charging me fees and interest on my credit balance, which has accrued by over {$200.00} since the issue began.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an item by the name of " XXXX XXXX '' on my credit report. I have no such credit card. The item indicates I have an outstanding balance upwards of {$2000.00}. Furthermore, over the months I have been monitoring it on my credit report I have noticed the balance decreasing, which indicates SOMEONE is making payments - it is not me. 

I have one credit card in my name, it is under my XXXX XXXX XXXX XXXX XXXX. I have no idea what this card is, and it is negatively affecting my credit standing. I need it removed, I believe this is either fraud or identity theft.
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

There is no debt. I received a letter from Enhanced Recovery Company , LLC ( in FL ). They claim I have XXXX XXXX XXXX debt, threaten to report me to national credit bureau, and offer a discount on debt if I pay within a month. I confirmed with XXXX there is no debt and they told me to disregard this notice. Per online research, this company has reported debts to the national credit bureaus, causing damage to individuals ' credit scores. They have my correct account number and name. Say if I do not dispute the validity of the debt with them, they will assume it is valid. I do not want to establish any contact with this company. 
I am reporting this scam here ( CFPB ) ( I was referred here by FTC when I tried to report the scam there. ) and state Attorney General 's Office. Also tried to report it as a scam to XXXX XXXX XXXX, they did not seem interested in taking the info. I do not want my credit damaged by this.
Consumer complaint received 2017-09-14
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)

This is follow up complaint to previously filed CFPB complaint ( ref # XXXX XXXX American Express responded to my original complaint that the matter will be resolved by XXXX/XXXX/XXXX. 
As of today, XXXX/XXXX/XXXX, advertised bonus points are still not credited to my account. 
When I contacted the american express regarding the issue, I am again being told that they will have to open the investigation. 
I am suspicious of AMEX business behavior of false advertisements.
Consumer complaint received 2022-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

It has been 2 times in the last 4 months that my accounts with Wells Fargo has been comprised. The second time someone was able to get my debit card number and spent all my money. I filed a claim with Wells Fargo about the fraudulent transactions and filed a police report. Wells Fargo still does not want to help me because according to them those transactions are valid.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I am attempting to apply for a loan modification ( through a US government program ) of my mortgage with CitiMortgage ( Loan # XXXX XXXX. I have sent all the required documents. However, they constantly ask for the same documents, and will not start the process. I have sent documents in on 5 separate occasions. Now, specifically they state that the checkstubs I sent did not have an employer name on them. So I sent in copies of the canceled check with the " XXXX '' ( my employer ) clearly on them. The monthly salary amount on these checks matches my checkstubs. Still they have taken no action.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MA)

I think you know - Equifax - have tried multiple times to freeze my credit report with them and their own website gets you close but then gives you an error - the other two services XXXX and XXXX  worked fine - someone should really really hold Equifax accountable - they say their website is working but then it says come back later after you enter all your data, I tried several times - if I suffer because of their inability to first protect my data ( which I did NOT ask or give them permission to collect ) and then their inability to institute locks or freezes who holds them accountable - this is crazy!!!!!!!
Consumer complaint received 2022-06-21
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: EQUIFAX, INC. (TN)

I asked the credit bureau to reinvestigate this account, check for inaccuracies, etc. Everything keep coming back verified and accurate. How can this be when the date filed is inaccurate and the closing date is not accurate. This is grounds for removal. 

Also, in accordance with the Fair Credit Reporting Act The US Bankruptcy Court Reference # XXXX, has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (VA)

Repeated calls for debts incurred by a person named XXXX XXXX who has not resided or had my phone number for over a decade. 

The most recent XXXX XXXX agency that calls sometimes as early as XXXX looking for the above person.
Consumer complaint received 2016-12-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NC)

In XXXX XXXX the bank arbitrarily changed the interest rate on Purchases from 18.99 % to 29.98 %. This change had no immediate impact on my monthly payment, because in XXXX XXXX I had a zero balance for Purchases. My balance of around {$12000.00} was composed entirely of XXXX special offers with an interest rate of 1.99 % ( see XXXX XXXX Statement attached ). I did not notice this change because I rarely looked at the statements, was not using the card, and the monthly auto-draft payment was stable at less than {$200.00}. 

However, in the ensuing years as XXXX of the special offers expired and I began to use the card for purchases, this excessively high interest rate of 30 % turned what had been an efficient financial instrument into a toxic arrangement equivalent to a payday loan. ( See Statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. ) I have contacted the bank several times over the past 3 years, requesting that the usurious 30 % rate be reduced to something reasonable like 18.99 %. They simply respond that there is nothing they can do. I suspect that my account was targeted for this 30 % Purchase interest rate because I was not using the card and had substantial balances at only 2 % interest. Banks should not be allowed to set rates at 30 % for customers who make all their required payments on time, as I had done from XXXX through XXXX XXXX when they arbitrarily changed the rate.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

The following Names, Address and Phone number are being reported by the credit bureau XXXX which is violating Federal laws they are NOT me and All is incorrect and non deliverable. I called to get them removed around XXXX and I notice on the newer credit reports XXXX they were not removed..
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On the XXXX XXXX 2016, while trying to get my report online, Trans Union kept telling me " unable to complete your request '', I then tried XXXX and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their .com websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,
Consumer complaint received 2015-08-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (PA)

In the XXXX of 2014 my grandson applied for a {$8500.00} student loan from Sallie Mae. He asked me to co-sign the loan. I was reluctant to do so, but finally did. The reason for the reluctance was the interest being charged ( 8.5 % ADJUSTABLE ) when interest rates elsewhere were 2 to 3 % and fixed. I checked my credit report and determined I had a very high number. I am a XXXX year old veteran and a retired XXXX from XXXX XXXX. I have always paid my mortgage, car payments, and all other payments on time. I called Sallie Mae and complained to them about the interest rate. They said " It was determined by their computer ''. I believe that is hogwash! I have complained in emails to several government agencies and have never received a response. I think Sallie Mae is taking advantage of students needing loans for their college education. My grandson will be a XXXX this XXXX and is doing good in his school at XXXX XXXX. I would appreciate you looking into this to determine if Sallie Mae is charging unacceptable interest rates for its student loans.
Consumer complaint received 2015-10-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MI)

OCWEN MORTGAGE CONTINUES TO HARASS ME AND REPORT FALSE INFORMATION TO THE CREDIT BUREA THAT IS NOT TRUE. I WAS IN CHAPTER XXXX FROM XXXX XXXX UNITL XXXX/XXXX/XXXX OCWEN MORTAGE BROUGHT MY MORTGAGE XX/XX/XXXX THEY ARE REPORTING MY MORTGAGE LATE 30 DAYS AND 180 DAYS MY ACCOUNT HAS NOT BEEN LATE
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You guys continue to place fraud alerts on my credit and I do n't authorize any of the credit bureaus to place any fraud alert. Please do n't place another fraud alert on my credit file. I really mean it, it is embarrassing me and humiliating me as well.