davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

Loss of employment for both borrower and co-borrower XX/XX/XXXX. /loss 75 % of income/stopped paying XX/XX/XXXX /currently owe 14 months/ filed chap XXXX bk in XX/XX/XXXX /chap XXXX bk discharged XXXX ; XXXX  was servicing mortgage and sold XXXX to rushmore /our income changed submitted loan modification request to rushmore XXXX XXXX and rushmore stated loan modification denied XX/XX/XXXX /due to non-sufficient income received this denial communication via email/ atty for rushmore requested " motion to lift stay '' in XX/XX/XXXX / today XXXX Judge approved stay to be lifted/ auction date set for XXXX the above information is a timeline of events. We have received 4 denials/ modification/deed in lieu/ short sale/relocation fees all of our requests have been denied by the XXXX. We admit we owe the 14 months in mortgage payments. however, with the bankruptcy discharged we now have sufficient income to make the monthly payments but the bank is stating otherwise. deed in lieu was denied because of liens on the title from Keep your home california and liens from XXXX and XXXX. relocation fees were denied initially but currently we have ongoing negotiations with rushmore. I am an XXXX veteran looking for assistance in communicating with our bank or we will be homeless. The bank wo n't even consider any programs for my military service I have to believe there is something they can do for us. We need assistance with finishing negotiations with the bank and come to an agreement to move out with dignity. we do n't want to go through the eviction process we want to come to an agreement that is beneficial for all of us, but now they wont even talk to us. In our last conversation we discussed short sale and the representative stated that we would have to have an offer in writing in order to consider it. So once again denied. We have been treated unfairly throughout this entire process. We have provided every document in a timely manner that was needed by the bank however, they are not offering us any solution for an amicable resolution. If you need any email correspondence please let me know i can forward it to you.
Consumer complaint received 2023-03-31
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 — Investigation took more than 30 days
Company: GOLDMAN SACHS BANK USA (NJ)

It's being more than 30 days and the creditor has not updated the information nor has provided proof or documentation regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation by failing to do so the item must be deleted from the report as soon as possible.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ORG GC GP BUYER, LLC (AL)

XXXX XXXX was the provider for this account, I moved from the location due to a separation and my wife loss the house due to a short sale and she moved also. I have requested a copy of the contract that they have not provided. This erronous item on my credit report is affecting my ability to help my business obtain financing to operate as a business.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I have a XXXX XXXX XXXX  credit card through XXXX XXXX My name is XXXX XXXX XX/XX/1993, my previous XXXX number XXXX XXXX XXXX XXXX. This has been on going for months & It was brought to my attention that a checking account with chase which does not belong to me has been being charged. XXXX XXXX refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is chase. i did not authroize those card payments nor did the person whos account it is. XXXX XXXX basically told me i have to take it up with the persons bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. XXXX was my pervious case XXXX who was VERY good with XXXX XXXX It has been on going for months now & i have yet to have a resolution. I tried to be patient but it has been months & they only contact me if i reach out first. The person whos account it was has made a cfpb case against XXXX XXXX as well & they refuse to help her get the money back into her account because she is not a XXXX XXXX customer. Her case XXXX was XXXX XXXX who also has my info ) & the case number is XXXX. The person who's account was being charged is XXXX XXXX. We are trying to get this resolved & hoping XXXX XXXX XXXX chase does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. XXXX XXXX is telling me the only way they can give her the money back is filing a dispute with chase ( her bank ) but chase wont dispute the charges. im reaching out asking that chase helps file a dispute for these charges even some that are from XXXX can be reached at XXXX XXXX if XXXX XXXX needs to contact her to get her her money back.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-25
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

I went to Citibank at XXXX XXXX XXXX XXXX, Ca. on XXXX XXXX to makea withdrawal from my IRA account. They could not handle it at the branch, but needed me to fill out a form which would be faxed to their office in XXXX XXXX, Texas. The manager, XXXX, assured me the would call me as soon as he faxed the papers. I did not hear from him that afternoon, so I called the next day. The woman who answered the phone said that XXXX would call as soon as he faxed the papers and confirmed my phone number. I did not receive a call. When I received my IRA statement from the bank in XXXX, there was no record of a withdrawal. I phoned the office in XXXX XXXX and found out they had never received that papers that were supposed to be faxed. 
I have copies of the forms I filled out.
Consumer complaint received 2023-06-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (VA)

On XX/XX/XXXX, I mailed a payment to Grain Technologies in the form of a USPS money order ( Serial # XXXX ), because one of their payments ( in XX/XX/XXXX ) was returned undeliverable. I sent the payment via USPS Priority Mail with Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. The payment was delivered by USPS to the address on the Grain Technology billing statement on XX/XX/XXXX, at XXXX XXXX  and left with the front desk, reception area or mail room. The documentation is attached. 

However, once the payment wasn't posted to my account, I reached out to Grain Technologies and was told by XXXX XXXX, that " It can take up to 4 weeks before payment is applied to your account. '' This is in direct contradiction of their policy as shown on their billing statements and attached to this complaint. I replied that this payment was sent on XX/XX/XXXX, and that the amount of the payment was {$85.00}. I never received a response. 

This is problematic because the first payment mailed to that address was returned undeliverable. That returned payment caused Grain to enter a late payment on my account, which would have otherwise been on-time. This caused my credit score to dip because of their unprofessionalism by not sending me a payment link when requested. There's absolutely no reason that a company shouldn't send a customer a link to make an online payment, especially if they are contacted ahead of time with concerns about the payment being late. 

This payment appears to be lost and isn't reflected on my account, although it's been more than 5 business days. 

What is going on with this company? Someone needs to be held accountable for this, especially with the number of XXXX complaints and CFPB complaints. Where is the payment? USPS Money orders are as good as cash. 




Here 's what the statement says : When Payment is due and when will you Credit My Payment? 
We must receive at least the Minimum Payment due on your Account on the Due Date by, ( 1 ) XXXX XXXX Eastern Time for payments made on line ( through the Grain Application ) or ( 2 ) XXXXXXXX XXXX Pacific Time for payments made by mail ( in each case, as applicable, the " Cut-Off Time '' ). We must receive at least the Minimum Payment due on your Account by the Cut-Off Time on the Payment Due Date of each billing period. Payments received after the Cut-Off Time will be credited as of our next business day. Credit to your Account may be delayed for up to five ( 5 ) days if we receive a payment that does not adhere to the requirements set forth in this section and on your statement. The available credit on your Account may not reflect your payment for up to fifteen ( 15 ) business days or longer if we doubt the collectability of the payment or if we suspect fraudulent activity on your Account. Nonetheless, we will credit your payment to your Account as of the business day that we receive it ( provided we receive it prior to the Cut-Off Time ).
Consumer complaint received 2022-01-25
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: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I am continuously being harassed by collection agencies with illegal threats over debt that is not mine. I have notified the bureaus of identity theft but XXXX and XXXX refuse to help me to remove them. I never signed up for any of this debt. These creditors and and the bureaus need to remove this false information.
Consumer complaint received 2024-04-09
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (CA)

My name is XXXX XXXX Reference # XXXX XXXX XXXX is the debt that is " owed '' is {$1400.00} the semester wasn't finished due to an illness in the family and I failed to cancel the course. I called today to offer to pay the cancelation fee and requested a letter for the debt to be removed after paid. The representative I spoke to stated the cancellation fee was {$380.00} plus {$20.00} processing fee. I called XXXX XXXX spoke to XXXX and he confirmed the cancelation fee is {$200.00}.
Consumer complaint received 2015-07-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (TX)

XXXX relentlessly called my cell phone and left voicemails not once stating it was to collect a debt, but that legal action had been taken against me and that I needed to return their call to prevent further legal action. When I did not return these calls, they managed to find the phone numbers of all of my immediate family members, and then continued to leave harassing voicemails for them as well stating similar legal courses. 

When I finally called in, I was told my number was no longer in service, although I had not and still have not changed phone numbers, and that although they mailed a letter to my old address ( I had moved cities for a new position ), family members ( or what they will call " References '' ) were their last resort. I was told they had no other manner in reaching me, even though they verified my email address without my needing to even provide it in the first place. 

So essentially, they had more than two ways of contacting me in attempt to collect a debt, and instead harassed myself AND my immediate family under false pretenses. For MONTHS. All for a whopping {$100.00}. 

Just to make it clear. Under The Fair Debt Collections Practices ( FDCPA ), all debt collectors in attempt to collect a debt MUST provide the following : Identify themselves during every communication. 
Notify the consumer that the communication is from a debt collector. 
Give the name and address of the original creditor. 
Notify the consumer of the right to dispute. 
Provide verification of debt. 

None of this information was provided to me until I called XXXX MONTHS after relentless harassment. Had I known from the beginning it was an attempt to collect {$100.00}, I would have called sooner, however from the initial contact, where not even my name was given ( voicemails only stated message was for " Name, Name '' ), all I knew was legal action was being taken against " Name, Name '' and that I needed to return the call right away.
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (GA)

Starting summer of 2020 ; I started receiving letters and phone calls from different debt collectors. I told them Ive never owed money to anyone. I pay all my bills. I also stated that Ive never even heard of nor lived at the address tied to the debt. Somehow they have my full name, date of birth, phone number and social security number. After stating this they told me they would make a notation. And I would stop receiving calls and letters ; until they sold debt to another company ; which started the process all over again. The original debt is with dish network. The two current debt collection companies are XXXX XXXX for {$330.00}. And the second is GC Services for {$460.00}. Which are both for the same debt. 
This has been detrimental to my credit score and caused me troubles with other loan approvals.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (AZ)

In XX/XX/XXXX Citibank closed my cards while I was traveling abroad. To this day there is still no explanation of the closure. I called as soon as I returned stateside. The bank employee that I spoke to told me he did not know why my account was closed but he would transfer me to rewards. Rewards told me they would credit XXXX points for {$460.00} to my card balance on XX/XX/XXXX. I paid my balance less the {$460.00} on XX/XX/XXXX. Citi did not apply the rewards and are now charging late fees and interest. I have called every month asking if they would fix this error. I spent over XXXX hours on the phone with them today being transferred and explaining over and over the issue. Finally one rewards specialist told me that they in fact had stolen over {$500.00} in rewards from me. I asked them to please apply the rewards to my account so that it would be satisfied and then we could part ways. He refused and collections refused to read the records of the call where he admitted that instead of applying as they said they would they had in fact stolen them. I have paid these accounts in a timely manner and should not have my credit hit because of there errors.
Consumer complaint received 2023-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (GA)

Discover card Credit Card harassed me and my extended family about a debt by calling and referring my personal information to a debt collection agency. This agency called my family and harassed them with letters and phone calls as well. These actions endangered my welfare and well being of my family. Due to Law 15 USC 16G - All negative information, accounts, names and inaccurate information is to be removed from my credit report immediately.
Consumer complaint received 2022-01-25
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: Experian Information Solutions Inc. (MA)

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and are NOT mine. I must have been the victim a cyber hack or identity theft. These non account holding inquiries with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are NOT mine. I do not recognize and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumers.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter XXXX Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.
Consumer complaint received 2017-07-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CO)

I applied for a personal loan. After some back and forth I decided to withdraw my application. Their process was flawed and i lost faith in their ability to be on top of things. i asked them to remove my collected data from the application from their database. They refused. When i asked them to explain why they said it was against the Fair Credit Act rules and regulations. I asked them to send me the particular section relating to that, several times, and have heard nothing back.
Consumer complaint received 2023-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc. (FL)

I have disputed these debts with XXXX, XXXX and XXXX XXXX times without success in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following collection : Southern Management {$2300.00}, Some of the answers that I received were that the collection had an update, again it said that it was verified but I do not agree with the answer since they are not my collections.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I'm a customer with Capital One and several years ago made a {$100.00} cash advance, which they have been charging me interest on every month since. I have brought the balance lower and higher than what it was when I took the cash out and make larger payments than the minimum a month. However I have had to use the card recently for medical expenses and have been trying to pay off the cash advance so they stop charging me an additional interest fee every month on top of the normal interest they charge. I called and talked with a manager named XXXX who said since the cash advance and normal purchase rates are the same they can't allow me to just pay off the cash advance due to federal regulations and that they would continue charging me the interest on the cash advance until the entire balance is paid off. These companies are taking federal laws that are supposed to protect the customer and weaponizing them against us so they can nickel and dime us for years.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (NY)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by XXXX certified mail. Any other form of correspondence will be rejected or refused. 

CITICARDS XXXX XXXXXXXX
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (KS)

On XX/XX/XXXX. XXXX, I recieved a bill from the company Convergent. 

It was for charges to XXXX 's. I have never even done business with XXXX 's. 
It said on the collection how to dispute the debt. It looks fishy, like they are trying to get someone with my name to acknowledge the debt and they collect it. I do not trust these scammers out there. 

I am not responsible for this debt and I have mailed a letter to them along with a copy of the bill they sent me. 

I know there are other people with my name, and this is NOt my bill. 
This company needs investigated. This is the first bill I have ever received from them. 
The Company is : Convergent, Convergent Outsourcing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX Phone # XXXX. They state as of XX/XX/XXXX I owe {$820.00} They never show any other detailed charges or interest incurred. I have never has any bill with so many ways and information of disputing the bill. The bill looks fishy.