davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-22
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)

There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (VA)

SunTrust are offering a sign up bonus of up to {$300.00} on their checking accounts when you use the promotional code XXXX : Earn {$100.00} for opening the Essential Checking Earn {$200.00} or opening the Select Checking Earn {$300.00} for opening the Signature Advantage Checking You also need to complete the following requirements : Deposit at least {$100.00} within 14 days of account opening Complete at least {$500.00} in direct deposits within 60 days of account opening Make at least 10 debit card purchases wihtin 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- - I opened the Signature Advantage Checking account in the branch becuase online was not working. The Suntrust rep assured me that I was eligible for the bonus. However now when I call them they tell me I am inelegible for {$300.00} bonus.
Consumer complaint received 2018-01-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CO)

My loan was transferred from XXXX to XXXX XXXX ( with out my being notified ) sometime around XXXX XXXX. I went to pay my payment in XXXX with XXXX and it showed my loan had been paid off. When I contacted XXXX they said it was sold to XXXX and that they had sent me a notice ( which they did not ). I then called XXXX and they said they could not find my loan. I was on the phone for over 2 hours with them trying to find my loan. They finally were able to give me a loan number and told me to pay the payment online. When I went online and made the payment I noticed they did not have my insurance information which I had given to them previously. I called back and gave them the homeowners information again. I was then sent a notice by my Home Owners Insurance Company stating my insurance was going to be cancelled due to non payment. I called XXXX XXXX again and was on hold again ... I finally spoke with a Manager XXXX XXXX and was told the check would be mailed out immediately. Today I had to pay the Home Owners Insurance myself out of my pocket as the check has still not been sent. I also went online again today and the Home Owners Insurance is still not listed. The loan was transferred without my notification and the transfer has now cost me over {$1500.00} due to my having to pay the Home Owners Insurance Policy myself. 
I received the Welcome Package on the XX/XX/XXXX ( I have included the package although it is dated the XX/XX/XXXX) ... I also received an escrow analysis from XXXX on the XX/XX/XXXX ... it is also dated the XX/XX/XXXX.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarFinance Capital LLC, Irvine, CA Branch (IL)

I called and I am unable to get through a live person due to the fact I dont have an account with this company and I never authorized for my credit to be ran XXXX Date Filed XX/XX/2017 Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Good Evening, I am currently working towards loan forgiveness via the PSLF program as an XXXX XXXX service member. I recently learned that 99 % of applicants were denied forgiveness for a very similar issue I have experienced. The first two years of my military service there was little information regarding the means to ensure compliance with the complex rules congress established for forgiveness. Further, the loan service company could not answer questions nor provide guidance. Merely through the assistance of an acquaintance, I learned that I must consolidate my loans in order to qualify for PSLF. Nearly two years of payments towards my initial loan payments, paid in the honest and fair spirit of the law, will not count towards loan forgiveness. I believe this is truly an unfortunate and saddening realization that clearly thousands of other public servants are facing. The execution of this program have failed those faithfully serving this great nation.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I pulled my Equifax report # XXXX and there is missing account numbers for XXXX XXXX & XXXX. There is a trunification issue with XXXX XXXX XXXX, XXXX XXXX.regulations. For one, THE ACCOUNTS LISTED lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. 
ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).
Consumer complaint received 2018-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (VA)

EOS CCA bought a collections debt from an unpaid XXXX account totaling {$2500.00}. As I am repairing my credit to prepare for a mortgage, I decide to call them to settle the account. I speak to a representative who was very rude, and asked to be transferred to his manager, with whom I came to a settlement agreement with totatling {$1200.00}. Per the manager, the settlement amount would stop all collection efforts and have the account settled in full, allowing a possible deletion of the debt. The stated that they have no way of removing the debt themselves, so I thought, it would be a win-win for the both of us. 

They received the payment by drafting from my account, which I did authorize in good faith that they would honor their promise and update my credit report. They did update it but simply applied the {$1200.00} to the original amount I owed, thus leaving the EOS CCA entry with a remaining balance which was supposed to be zeroed out.
Consumer complaint received 2018-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (WY)

In XX/XX/2015 a rental car was stolen from me and I got it back and returned it to XXXX XXXX XXXX. I negotiated to pay them {$560.00} which was {$200.00} more than I owed them for the trouble. They in turn filed a fraudulent invoice for {$3000.00} which I notified Chase that it was fraudulent and what had happened. Chase Bank in turn took my entire SOCIAL SECURITY XXXX check for 5 months straight to pay costing me my home, vehicle, credit, homelessness for 3 years and counting. I had a great credit score at the time which was gone in a month of not being able to pay basic housing and cost of living and other creditors. I fought them to get it returned repeatedly and would get it back provisionally just to have them bounce all my payments made including rent and storage. I've lost everything including my home of 16 years, my jewelry, my life as it was, my credit and even my dogs which were my whole life. What they did was illegal and they have managed to get away with it still. I want my money back, credit restored and all delinquent debts subsequently corrected that were due to their actions and XXXX XXXX And would like them both sanctioned.
Consumer complaint received 2018-10-21
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. (IL)

I have contacted Equifax Credit reporting agency via certified mail regarding fraudulent accounts being reported on my Equifax report as well as provide copies of my ID theft police report and fraud affidavit and as of yet Equifax has not blocked the fraudulent items as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer indentifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of such receipt by such agency.
Consumer complaint received 2018-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

My student loans for my teacher credential program were taken out in XX/XX/XXXX. I have now worked for 20 years as a XXXX XXXX XXXX in XXXX XXXX  setting. 
I have paid on these loans since I completed my credential program and owe {$8700.00} as of this date. I completed the loan forgiveness paperwork in XX/XX/XXXX and AES replied that my application was incomplete. I finally resubmitted the application with copies of my credentials in XX/XX/XXXX. I again received a letter stating that my application was incomplete. I again sent in the copies of the application and my XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received notice that my application was incomplete because " the documentation you submitted to our office indicates that you teach science or math in a secondary school. If, so please submit a copy of your full sate certification ... '' As stated above, I do NOT teach science or math, I XXXX XXXX XXXX. I am sending a letter to AES in response to this along with all the documents I sent in XX/XX/XXXX, but I am extremely frustrated with them and view this as a attempt to deny the loan forgiveness I am very much eligible for. This is either incompetence or obfuscation.
Consumer complaint received 2018-01-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Benuck & Rainey, Inc. (SC)

I recently received a phone call from XXXX. The company name is Benuck & Rainey. I was told it was for medical equipment from XXXX XXXX I had in XX/XX/XXXX. I advised that I had not received a bill for the {$80.00} they said I owed. I also explained that my address had changed but she did n't seem interested in correcting my billing address. The person on the phone became rude, argumentative, talked over me. etc. I explained I would not verify info over the phone and asked them to contact me via mail. I tried my best to treat them exactly as they treated me, so I was n't nice. After disconnecting the call I immediately began receiving hang up calls from them. They also called me from another number XXXX. Reverse phone search revealed this is the same company. This all started onXX/XX/XXXXat XXXX XXXX. In addition I received several call with the caller id blocked which appeared as " UNAVAILABLE '' on my caller ID. I called back and spoke with someone who stated she was a supervisor. She basically said I was a liar, and she was sitting with the representative. I told her I did not intend to conduct business with their company and asked for all correspondence to be via mail. I received another call today and was told by the representative that the company had 20 phone lines and would continue to call me. When I receive a bill, I will be happy to consider payment, not until.
Consumer complaint received 2018-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

Credit card company ignored exhibits I submitted as evidence of my dispute with merchant, their on line dispute platform failed to upload documents I submitted as evidence of my dispute. I had to reload documents after confirming with them that documents were not uploaded as their online platform relating false and incorrect data. 
The credit card company advised me of was an arbitration procedure which they refused to excercise and allow me the opportunity defend my dispute with the merchant. Included with this process the credit card company also failed to provide me with any exhibits they were provided by the merchant as a part of the dispute process. I have requested those exhibits which they have failed to provide as required. 

I was told by their billing dispute Dept that they would not accept exhibits from me in audio format from recordings I had provided them as evidence to support my dispute claim. They rejected my audio files and indicated to me that I would need to provide transcripts in pdf format of those files if I was submitting them with my claim dispute I provided those files and they ignored them as is evident by their dispute resolution result. 
I was also told that any pics previously submitted to support my claim even if submitted in pdf format would not be considered.
Consumer complaint received 2018-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

OnXX/XX/2017, I send Equifax a dispute letter to take off the current bankruptcy on my credit report. Equifax responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter on XX/XX/2017. After that Equifax again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.
Consumer complaint received 2018-11-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

I applied for 2 loans with the same lendee. Loan Depot. They took all my information via phone, told me everything looked good. 
They asked me for {$850.00} to appraise, both properties. 
Then they denied my loan. 
They never bothered compensating me the {$850.00}. 
What can I do???
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXXr verification that you utilize is faulty ...
Consumer complaint received 2018-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (TX)

I have contacted XXXX XXXX on multiple occasions to no avail about three accounts they have reported to my credit reports. I have asked for them to send me detailed paper work and proof of the account standings and they will not they are very rude when u try to talk to them. The XXXX XXXX XXXX XXXX has my student loans and I have had conversations with them on paying off my left over balances on my loans but fed loan will not answer any questions for me at all the info they are reporting is inaccurate on my credit report and they refuse to update their system. They have been rude and have blown me off at every turn I'm just trying to get info from them because from my records they are reporting in accurately.
Consumer complaint received 2018-01-12
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: EQUIFAX, INC. (CA)

XXXX 2017 I surrendered my vehicle to XXXX after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. XXXX has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with XXXX. I may need to take legal action to resolve.
Consumer complaint received 2018-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I was notified in XX/XX/XXXX that I didn't currently have wells Fargo listed on my mortgage insurance. I called in on XX/XX/XXXX roughly at XXXX XXXX XXXX  XXXX to handle this matter. I had a three way call with wells Fargo and XXXX XXXX to resolve this. Both companies said they would take care of this so I thought I was all set. Today XX/XX/XXXX I checked my account and I was billed almost 300 dollars over what my actual mortgage payment was so I called wells Fargo. I spoke with XXXX XXXX and her assistant they told me that I didn't have insurance from XX/XX/XXXX/XX/XX/XXXX with XXXX XXXX. We got on a three way call with XXXX XXXX   they said they never received any payment from wells Fargo so they canceled my policy. Wells Fargo decided they would use their own insurance ( XXXX XXXX XXXX ) cause I didn't have insurance due to them not paying XXXX XXXX. I am just finding this out today cause of the increase in monthly payment. My total premium went from XXXX per year with XXXX to XXXX with XXXX XXXX XXXX. I have been paying the higher premium from XX/XX/XXXX/XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-10-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roach & Murtha, P.C. (NY)

All conversations between myself or my husband with Roach and Murtha PC, were recorded by Roach and Murtha PC. 

Between XX/XX/XXXX and XX/XX/XXXX, my husband and I received several phone calls from a representative named XXXX XXXX who worked for a Debt Collection Attorneys Office called Roach and Murtha, P.C. ( He was NOT an attorney-basically a receptionist used to scare and threaten people ) XXXX XXXX called us many times threatening a law suit, lean on our home, garnished wages and also threatened to contact my husbands place of work over a debt that had nothing to do with his job. When we asked him to send over paperwork of this debt, he threatened to not send it directly to us, but to my husbands job Also, when we asked for proof of this debt we were told we were thieves and stole from out homeowners insurance company. ( very unprofessional behavior ) He nor anybody from this law office provided us with any written information about this debt. 

We then found out that XXXX contacted my husbands brother who # 1. doesn't live with us or in the state for that matter, and # 2. was not ever on any homeowners policy with my husband or myself. When asked why he contacted my husband brother he had no response. 

XXXX continuously told us we needed to pay him exorbitant amount of money or we would be sued. These phone calls were never resolved because we simply wanted more concrete information about the debt, and XXXX refused to to provide us with anything. 

The third time that XXXX called/harassed us about this debt, I asked to please talk to his boss because I was tired of XXXX 's rude and unprofessional behavior. He continuously would yell at me and demand money. When I asked to speak to his superior, he told me his boss 's name was Mr.Murtha.

I was never transferred to Mr.Murtha, but i was in fact transferred to a few other people who were all equally as rude and just demanded money from us. Their names were XXXX XXXX and some other guy named XXXX ( who hung up on me when i asked for some kind of proof of this debt ) After researching the Professional Profiles of Roach and Murtha PC, I found out that the last guy named XXXX was infact Mr. Murtha ( he never introduced himself to me as an attorney or that he was Mr. Murtha, just that his name was XXXX ) XXXX cause our family grief, anguish and stress. 

This attorneys office, Mr. Murtha and specifically XXXX XXXX go against all rules of the Fair Debt Collection Practices Act ( FDCPA ). They threatened our family and harassed us to no end. They violated many of the Basic FDCPA violations. 

I really hope this individual ( XXXX XXXX ) as well as the entire law office is investigated. Just because someone owes money, doest mean they deserved to be harassed daily and threatened.