davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Consolidated Recovery Group, LLC (OR)

I had a merchant account with XXXX XXXX XXXX. They claim that I charged someone 's credit card for {$4900.00} under my merchant account number. I never initiated any such charge. Apparently someone else had XXXX XXXX XXXX change my merchant number to route to their bank account and placed a fraudulent charge to someone 's credit card under my business name. Once the money was deposited to their account, they withdrew the funds and closed the account. 

XXXX XXXX XXXX got notice of a charge back under my company name and tried to recover the funds, but the account was closed. They are now contacting me and are claiming that I need to pay for this charge. 

I let them know that I was completely unaware of this and never charge a single credit card on my merchant account ( I opened this account to allow my customers to make ACH payments to me - they are usually less than $ XXXX/month ). XXXX XXXX XXXX never even notified me that my bank account was changed and I did not authorize a change of my bank account at any time. 

Obviously, the bank account was not opened in my name, as they must be opened in person with photo ID according to the Patriot Act. XXXX XXXX XXXX will not release to me the name of the person whose credit card initiated the charge back and they wo n't give me the name of the bank and account # where the funds were deposited, so I have no way of knowing exactly how this even happened. I can report that I received an ACH deposit the Monday after this alleged credit card charge ( Father 's Day ), so this must have been a very quick change. 

Since I did not initiate the change of this bank account information and did not make this charge, I should not be held accountable for it. I notified XXXX XXXX of this and they acknowledge it was probably fraud, yet they will do absolutely nothing on their end to investigate this fraud. They are only willing to proceed with collections against me, even though I had nothing no ability to control their security practices, which are obviously flawed. 

On my end, I did file a police report of this fraud and a fraud report with the Federal Trade Commission. I continued to receive calls from XXXX XXXX XXXX demanding payment along with threats that they were going to send me to collections. I kept denying I made this charge, yet they still proceeded with collections. I just received my first collections notice from Consolidated Recovery Group, LLC and I responded that I am disputing this charge.
Consumer complaint received 2016-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

After filing a complaint with you in around XXXX Ocwen handled me with kid gloves finaly I though I was getting help. They did modify my loan but only to send an increase before the official payment was made. They claim this is do to Escrow. I understand Escrow goes up however they had all the correct information prior and while doing the modification. I feel Ocwen did this to hurry up and get of your records in a timely fashion. Please look into this process I feel I am not the only XXXX. I would like Ocwen to do a fair modification. I almost did n't write this but felt that if this is common practice it is fraudulent in the less. thank you
Consumer complaint received 2016-06-24
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I borrowed money from ACE Cash Express several times. I lost my job after I took out my last loan. I informed them and made a small payment towards my loan and explained my situation. The representative set me up for a payment plan being on the date of my last check with my previous employer. The representative helping me told me with my payment it would bring me down to a lower even amount. After payment was made I called to make another small payment as I explained to the previous representative I wanted to make good with that company and pay them off but my employment situation was stopping me and once I got a new job I would make bigger payments. When I asked my balance it was even higher. I explained my situation to the representative and she told me it was an installment loan and grew interest daily I told her that he previous representative had told me I would n't get anymore interest and I would have to just pay off my balance. She said I would get interest til the end of XXXX which makes my balance a lot higher and causes lots of financial stress on me and my family being that I 'm unemployed. I thought I was doing the right thing when in fact I should have never gave a payment so I would stop accuring interest a lot sooner. I was not valued as a customer to this company obviously I would never recommend their services to anyone. They did not attempt to help me in any way.
Consumer complaint received 2015-04-24
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (ME)

XXXX months ago I got a payday Loan with Ace Cash. I got XXXX extensions with them. I was about to make a payment and went into their website to do so. I could not log in to their site. So I called and the customer service person told me that they no longer gave pay day loans in Maine and that is why I could n't. So I asked her if I could make payment arrangements with her and she said no I am sorry. I might add that I had XXXX more times I could make payment arrangements. She said that they would be debting the full amount of the loan which was XXXX on the XXXX I said i could n't pay that and she said well stop payment on it and we will make payment arrangements with you. I did just that. Now I realize that they broke their contract with me and probably charged me for non payment and I know for a fact it is on my credit report for non payment.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

I have paid my 6.25 % interest loan faithfully for 12 years. I finally paid my balance off enough to have 20 % equity therefore allowing me to refinance my loan. I attempted to get a payoff from Ocwen first in XXXX and then again through the lawyer who is handling the refi. He was unsuccessful for a time, but I eventually made it happen around XXXX XXXX. The payoff was sent to the lawyer. My principal balance was somewhere around XXXX on my XXXX statement. I was sure the payoff would be somewhere around XXXX. I received the closing statement XXXX XXXX before the scheduled closing on XXXX XXXX. The payoff Ocwen sent was XXXX. I have submitted a dispute. Ocwen says they need 10 days to research something that should pop up on a computer. 10 days is {$700.00}. Ocwen stalled giving me my payoff ( at least 3 weeks ). They gave an incorrect payoff and are now forcing me to make another {$3500.00} payment to them before I can refinance the loan. I am concerned I may never get a correct payoff. They do not want me to pay this loan off. I am super concerned.
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I have made portfolio recovery aware  on 3 o ccasions that the debt that they were trying to collect did not belong to me. the accounts  XXXX  for the amount of  XXXX  and the account  XXXX  for the amount of  XXXX . I have requested documentation that validates the debt belongs to me since they have not removed it being notified that the debt was not mine. I spok e to one agent that said they would just sell the debt or sue me so i may as will settle it to get  rid of it. I spoke to the next agent after asking for validation again they sent me credit card statements with my name on it for validation. I told them if someone opened an account fraudulently it would be in my name. I sent them a copy of my signature to verify signatures. The agent then instructed me that they do n't have any signatures, contracts, applications or identifications. Yet will not remove this fraud account.
Consumer complaint received 2024-08-22
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. (CT)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 


XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXX XXXX XXXX XXXX, In XXXX *Please delete the following addresses you are reporting that does not match nor belong to me : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Ga XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ga XXXX *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-07-05
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

In XXXX 2016, my husband and I were pre-approved by XXXX XXXX Mortgage to purchase a property located at XXXX XXXX XXXX, XXXX PA XXXX. We made an offer which was accepted. A closing date was scheduled for XXXX XXXX. The property was listed by XXXX XXXX of XXXX XXXX in XXXX PA, XXXX XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX. Our real estate agent is XXXX XXXX, ( XXXX ) XXXX, XXXXXXXXXXXX The following bank entity signed the addendum : XXXX, or Rushmore loan management services, who appear to be represented by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX We submitted an earnest deposit of {$4000.00} to the bank owner entity on behalf of XXXX XXXX. 

On XXXX XXXX, the mortgage application went to underwriting and the mortgage was suddenly denied, based on the same documentation and information with which it was pre-approved. The mortgage company claimed that they did not know that my income was only part-time, and once they found out just before closing, they pulled out of the loan. 

Our earnest money deposit of {$4000.00} still has not been refunded to us. The listing office XXXX never answers the phone or returns my voicemails. 

Today our real estate agent told me that she was able to get in contact with XXXX. XXXX XXXX told her that the bank entity rejected refunding our earnest money deposit because a commitment letter had already been issued by XXXX XXXX Mortgage, and that the bank entity considers our mortgage to be in default.
Consumer complaint received 2016-09-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc (FL)

I do n't owe focus financial anything they are trying to collect on a debt that was paid by an isc. company they are breach of XXXX and the fact that they provided me with information from my doc office proves that the doc and themselves are in breach if they do n't remove the accounts from my credit I will take this to the XXXX XXXX about the hospital and all doctors involved and I will win an court you can not give out my medical history DOCTORS TO WHOM EVER YOU WANT AND MY BILLING HISTOURY IS A PART OF THAT remove this or find your company in court.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? 
I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (IL)

I rented an apartment from XX/XX/XXXX - XX/XX/XXXX and my landlord terminated my lease on XX/XX/XXXX with a 10-Day notice of termination giving my until XX/XX/XXXX to move out. 

I paid my rent up to XX/XX/XXXX as I did not move out by the XX/XX/XXXX date. The leasing company made every attempt to retain me as a tenant despite the notice of termination and I declined, so I moved out. 

I received a phone call from the debt collection agency requesting payment for the balance of the lease ( XX/XX/XXXX - XX/XX/XXXX ) I explained the situation described above, asked if they had the termination of lease document ( they said yes ) and asked then what are you trying to collect? 

The agent of the debt collection agency started to give legal advice on what a contract is how its upheld and further explained that the leasing company has the right not to have " people like me '' on there property. After trying to further explain and defend my position I realized I did n't have to and I told him I 'll just see them in court, ask them not to call me again and hung up. 

They called back ( this time the disclaimer of you are on a recorded line was not stated ) and started to make threats that I will be ruined financially, I should be a responsible person and pay my bills, my lease was terminated because the leasing company does n't want people like me on there property etc ...
Consumer complaint received 2015-12-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

My computer was going crazy with a written and verbal alert of a virus infection. The alert stated that I needed to contact XXXX immediately with the XXXX. I called and a guy presenting himself as a tech offered XXXX service plans to choose from. The plan I chose was {$420.00} for 3yrs. tech. service and lifetime software. Paying by money gram a tech was scheduled that never showed. I called back to complain. At that point I was told the supervisor that the money gram was sent was out on sick leave and that the money had not been received. At that point I told them to cancel the service. the guy who went by the name XXXX told me to keep me a happy customer that they would give me the service free of charge and that the tech would bring my refund in cash as I was given a choice of how I wanted my refund. At that point I was then told to cancel the first money gram and submit another XXXX to another supervisor for same amount and the tech would brig me {$850.00} instead of {$420.00}. This I was told was to establish a log of the transaction of which I refused. This was all because when I returned to XXXX where I 'd purchased the money gram I was told that it had been received. Being uncomfortable with I contacted XXXX by another number and informed that it was a scam and that they do n't conduct business in that manner and they do not send techs to your home. Here are the numbers used by the scammers. XXXX [ tech service ] -- -- XXXX [ billing ] the names are XXXX, XXXX XXXX to whom the money gram was sent in XXXX XXXX XXXX was the person I talked to about the tech not showing up, XXXX XXXX was supervisor in Az. that they wanted me to send the second money gram of {$420.00} and XXXX XXXX was the tech that was suppose to come to my house ; XXXX # XXXX. They even gave a confirmation # XXXX. The real XXXX tech took over two hours to regain control of my computer and over four hours to clean it of the virus they had implanted. In the process they had removed my anti-virus protection. Thanks to XXXX I have my computer back.
Consumer complaint received 2015-08-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dyck-O'Neal, Inc. (FL)

since XXXX/XXXX/2015 ( DYCK O'NEAL Keeps calling, I get a call everyday to every other day to maybe XXXX days. I have a print out of the phone calls coming in. I have them blocked on phone because it happens so much.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX CT XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX  XXXX XXXX Balance : {$280.00} ; MI XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4400.00} ; XXXX  XXXX XXXX XXXX : {$390.00} ; XXXX  XXXX XXXX XXXX : {$2800.00} ; XXXX XXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX
Consumer complaint received 2015-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc (GA)

I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.I currently in discussions with XXXX XXXX XXXX in regards to the remaining {$64.00} but the company has yet to return my calls. I have notified both companies in writing of my payment of this debt and my intend to fill a complaint.