davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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: CL Holdings LLC (CA)

After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX and Jefferson Captial System XX/XX/XXXX.
Consumer complaint received 2021-09-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

ACE XXXX XXXX To : ACE XXXX Thu, XX/XX/XXXX at XXXX XXXX  CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of Cash Advance Company in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

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

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

THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) -XXXX-XXXX  between working hours XXXX XXXX  to XXXX XXXX  ( EST ). 



In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) -XXXX-XXXX  Department of Law & Enforcement ( XXXX ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
Consumer complaint received 2015-09-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (TN)

I have been receiving phone calls from a company called CNU and the representative is XXXX XXXX. I believe it is a debt collector, but they will not explain the issue in the voicemail. This company continues to call EVERY day of the week and they will call my work phone twice before calling my cell phone. I do n't know if this is even a debt that belongs to me, but I would prefer a letter in the mail and it be my option to contact them. I do NOT need them harassing me at my job everyday or on my cell. It is embarrassing and annoying. This has been continuous for the past two months XXXX or longer ) ; enough is enough.
Consumer complaint received 2015-07-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (OH)

I behind on two loans and a credit card at navy federal credit union. I talk to them weekly about the matter. This week they have been calling my family members and leaving messages saying, " this is so-and-so calling from navy federal, please return our call. It is urgent. '' This is absurd. They have my number already. I find to be harassing and trying to embarrass me with my family.
Consumer complaint received 2018-05-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (NY)

My new boss sends me a Cashiers check Monday XX/XX/XXXX telling me to deposit in my account. I deposited the check and she was very suspicious about it, asking me if imthe check cleared every 5 minutes. I called Chase bank customer service and spoke with a person in XXXX to double check that everything was right with the check. My understanding is that if something is wrong with the check, the bank is the only entity that can tell me whats going on. I tell her the story and that I thought it was a fake check and she said youre fine cause the check cleared and it was a cashiers check. In order to have one of those you have to pay cash so youre fine that was at XXXX Tuesday morning. At XXXX my boss tells me to withdraw XXXX and deposited in a XXXX XXXX account to pay for some bills, since the bank told me that everything was fine I did it and I said to myself youre probably overreacting, the bank already told you that it was fine after that she asked the for a {$200.00} XXXX XXXX and I sent it as well. By XXXX my account was negative {$3400.00} ( the amount of the check was {$3900.00} ) I called my boss and she blocked me. When I called the bank they told me that it was my fault that I should be more careful next time. I filled a complaint at the police department and called the Chae complaint department yesterday and honestly, no one really helped.The last person told me I was a scam victim and that she was sorry for the misunderstanding with the customer service rep but I needed to pay that amount by XX/XX/XXXX cause after that a debt collector was going to contact me. In conclusion, I called the bank before doing everything else, the rep told me that it was okay. When it comes to my Chase account I only trust Chase customer service. I dont work for them, they should know better!! I need them to find that conversation and deal with the situation. A miscommunication in that magnitude ruined my life basically. Now I owe almost {$4000.00} that obviously I dont have just because I trusted a Chase customer representative that didnt know what she was saying/ doing. Im really disappointed and a little scared of the situation. And at this point I believe theyre not going to help me get to the bottom of this.
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CO)

I bought merchandise at XXXX  's with my XXXX  's revolving account on approximately XX/XX/2018. I would normally receive an email to pay the bill at a certain time ( which we always paid promptly ). However on this occasion I never received a bill. So we forgot about it and by the time we figured out we owed a debt the charges went from what I paid for the merchandise, {$180.00} to {$340.00} ( penalties and interest ). I thought the penalties and interest was outrageous so I thought that since we had been a great customer all those years they would drop the penalties. But after a few calls to outsourced debt collectors, the effort to negotiate became futile. So to be fair I wrote them a letter and paid the {$180.00} with an additional {$17.00} in interest which I thought to be fair. They accepted the payment only as a partial payment and then continued to call me numerous times throughout the day and send bills in the mail. They still refuse to negotiate with me or even get away from their written responses. As a result, my credit rating has gone down and the family is afraid to answer the phone.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Re : Removal of Account per XXXX XXXX XXXX XXXX XXXX  Guidelines For Reporting Sold and Transferred Accounts To Whom It May Concern, Effective XX/XX/2022 : All guidance that relates to accounts being transferred or sold has previously been updated to advise that the Account Status should be reported as of the time of transfer or sale so no further updates will be made to existing XXXX. 

Experian is currently reporting the account as sold as shown in the attachment ; therefore, the Account Status should have been changed to XXXX and then the account should have been removed from my credit report. The following account is reporting inaccurate ; Account Name : XXXX XXXX Account Number : XXXX The Account Status Field code should have been changed to " XXXX '' and then the account should have been removed from my credit report.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I received a letter from the IRS stating that someone was applying for a job by using my social security number. They provided websites of the 3 credit reporting agencies where I could obtain a free credit report. 

Transunion required a credit card as part of a log-in and did not display a price for services. I had searched registration page each step of the way for dollar signs and there were none. Transunion proceeded to charge my card {$19.00} and enroll me in a monthly service at a price of $ XXXX/mo.

I called and told them that there was no such authorization to charge my card. They said that they would end my subscription and that the initial {$19.00} is non-refundable. 

This is inappropriate, as they did not request on the webpage that they could charge my card for this service. At the very least, they are engaged in deceptive practices.
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my recent credit report request from Equifax, XXXX, XXXX, there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XX/XX/XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX Bankruptcy Status : DismissedReference number : XXXX THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT bk of mo Act. # XXXX {$150.00} Past Due THIS ITEM IS NOT MINE CAN YOU PLEASE REMOVE IT OFF MY CREDIT REPORT
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (TX)

This account named XXXX XXXX  with an account number # XXXX Opened on XX/XX/2021 has inaccurate late payments reported from my credit report. This account was paid as agreed on time and violated 15 USC 1666B for reporting misleading and inaccurate late payments from my credit report.
Consumer complaint received 2022-03-03
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These Hard Inquiries ARE INCOMPLETE AND INACCURATE 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX  XXXX XX/XX/XXXX 11. XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

Since XXXX of 2018 I have been locked out of my Chase Account. Chase refused to fix the issue and I have spent hours on the phone with them. They are illegally blocking me from my account to charge late fees and raise my interest rate. They have reported to the credit bureau one time and the supervisor said that they do not have anything to do with the credit bureau. I still can not gain access to the account and they there automatic system is always down. I see that there are similar cases reported online. These practices are unethical and a way for Chase to gain money.
Consumer complaint received 2022-03-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I took advantage of a deferment of my loan during Covid19 through my loan servicer, PHH. This was a very stressful time and I was happy to stop payments and start again later without it affecting my loan balance or credit. My loan balance was {$570000.00} when the deferment began. When I started paying again, it had risen to more than {$600000.00}! They assured me I had not been charged interest so I can not understand why my loan balance is now close to $ XXXX dollars higher! 

I wrote several times to get an explanation and also spoke to someone more than once. What I was told was they took the payments I had not made and put them at the end of my loan. The problem is that they also left those same payments at the beginning of my loan so I'm being charged twice. I asked for a detailed explanation and they just kept saying the same thing over and over which doesn't make sense to me. I can not imagine this is happening to a lot of people and no one is saying anything or concerned that what was supposed to be a lifeline is in truth an expensive anchor. 

This week, I tried to make an online payment for my mortgage as I always do and for some reason I have been blocked. There is no valid explanation why I am no longer able to make a normal payment as I do not have a pending payment. I have done it this way for years and this is the first time I've had this difficulty. At this point, I don't trust anything they say so I want things in writing. ( They told me in XXXX  XXXX XXXX owned my loan, but they do not ). Is this some sort of punishment for questioning their tactics? 

If I had known they would do this I would never have agreed to this deferment option. They did not disclose this is what was happening, they just let me know every month my payment had been deferred. When I looked up the word, deferment means you will pay later not that you will pay the same amount twice ; once now and once later. My expectation was that I would pick up with my loan balance of {$570000.00} where I left off in XX/XX/2020. 
I would continue paying and my timeframe to pay would be extended by the eighteen months that were deferred. 

I am uploading several copies of my mortgage statement at different times including before the deferment and after. I have also included the message I get when I try to make an online payment. 

So many horrible things happened to me during this pandemic. 

This must not be another tragedy on my pile.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC (PA)

This Transworld account appeared in my credit report. This account is over 10 years old. Transworld bought it and reopened it. that was The last time there was activity on the account was back in 2007. Due to that length of time that last lasted, this should not appear on my credit report. XXXX  and XXXX  will not take it off.
Consumer complaint received 2018-05-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

XXXX XXXX transferred me to a Company named Loan Care whom is still affiliated with them. I had been working on retention options with XXXX until the loan transferred. Once the loan transferred is when my account started falling through the cracks. Every time i called Loan Care I would be transferred to many different departments about 6-8 times since no one there knew how to help me. I submitted my application for retention options on XX/XX/XXXX, just days after it had been transferred. I kept being told that the application was in review for months. On XX/XX/XXXX, I was advised that they needed additional documents and that they would email me with the request. When i received the email, i was shocked and confused by the documents requested. Loan Care was requesting preliminary documents to sell my home and they advised that there was a sale date of XX/XX/XXXX. I never requested to sell my home and for months had been told that my file was in review and there was no sale date. Now they are forcing me into selling my home and telling me there are no retention options, my home is going to be auctioned all because i have an HELOC. This could have been told to me months ago before. Today, i received a letter in the mail stating that I can apply for loan modification options. Every package i submitted, i never received acknowledgement letter, i was never able to speak with a specific person and now i am losing my home. Please help me. i can not lose my home.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX and XXXX XXXX XXXX
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 Section 602 A State i have the right to privacy 15 U.S.C 1681 Section 604 A section 2 it states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-05-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (FL)

I am current student finishing up my XXXX XXXX. In XX/XX/XXXXdue to family issues I had to take off some time from school. I have been attending part time since last year and returning full time in fall. 

But in XX/XX/XXXX during my transition period of XX/XX/XXXX to XX/XX/XXXX I wasn't able to make payments, but since then have caught up and am in good standing. 

I think its goodwill for the XXXX XXXX to understand that only for a brief time is any able to make payments. This should not count against me because I am in good standing now and at the time circumstances were out of my control.