davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Debt collection — I do not know
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: Revenue Assistance Corporation dba Revenue Group (OH)

This company claims to have purchased a debt in my name for something I have no knowledge of. When I asked for proof of debt they said they sent it to me, I have not received any information on the said debt. They keep calling me ( XXXX times yesterday and XXXX  times today alone and it's not even noon yet ) and my family members, threatening to have me arrested for fraud, having my bank account frozen, and telling me at least once that they will make it so I can't get any credit for anything, telling me their getting the attorney general and local authorities involved if I do not agree to pay.I am a XXXX Veteran with XXXX, my credit has been compromised XXXX  times last year XXXX and XXXX  the previous year XXXX.I 've asked them to desist in calling me and to no avail. They have harassed my family members including my XXXX year old mother myself and my wife, my x wife, my daughter with jail time if they don't comply with their hideous and outrageous demands.
Consumer complaint received 2022-02-03
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: Experian Information Solutions Inc. (IL)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-09-03
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Select Management Resources, LLC (MD)

I went to LoanMax in XXXX Va. I was in great need because I was facing eviction. When I arrived I went to the wrong title loan company because there are two title loans on XXXX XXXX in XXXX. I walked in the first title loan place the gentleman took me through the application process and then he asked me for my title. When I gave him my XXXX title he said " Sorry Maam we dont take XXXX titles ''? So I walked across the street to LoanMAX. I gave my title to the employee and she told me the same thing that they couldnt take XXXX titles. As I was walking away in frustration I stated noone told me this over the phone. The employee begin to explain that it wasnt her that I spoke too. She then said if I could provide her a XXXX address she could give me a loan. I gave her an address in XXXX and then she asked how much I made a month. I told her my monthly income. She said let me call my supervisor. She told the supervisor that i had a XXXX title but the car was housed in XXXX. The supervisor gave her the ok. So she approved me for {$1400.00}. I agreed to pay {$320.00} a month. I making the monthly payments and thinking that paying monthly would lower my balance. But I was totally unaware of the interest and how it worked. So it seemed as though my balance was never going down. My car is a XXXX XXXX XXXX XXXX. It wasnt worth the payments. But I continued to pay monrhly and questioned the interest. They just kept telling me it was explained to me when I took out the loan. I told her i couldnt afford to pay a loan that never ended. I paid them a total of {$1300.00}. Then I started doing my research and found out that it was true that they couldnt do loans with XXXX titles and that XXXX had stipulations but they would honor XXXX titles ..but not XXXX!! When I questioned them about how was I able to recieve a loan if I have a XXXX title ... I was told that they couldnt control the address that people provided. I even had people call to ask if they had a XXXX title and lived in XXXX could they recieve a loan? There answer everytime was no! I told them that I couldnt continue to pay this high interest loan. So within 3 months of non payment they came and repossed my XXXX but they hired a XXXX party company to say they repossed my XXXX. When I called to get my belongings out of the XXXX they told me they never took my XXXX. I went to the police and the police clerk provided me the information that they did have my XXXX repossed.
Consumer complaint received 2017-01-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

I was informed on XX/XX/2017 by XXXX XXXX that I was approved for a loan modification. XXXX said I would received the modification by XX/XX/XXXX or contact him if not received. XXXX explained that they could not fit the 4 percent on the modification and I will have 4 months of a trial payments. If I did not want to receive this offer XXXX stated unless you have {$8000.00}. XXXX explained after the 4 month trial payment the mortgage can increase due to taxes. XXXX instructed me to do XXXX and all instructions will be included in the modification package once received. Question was will this Loan modification will be a permanent modification.
Consumer complaint received 2016-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION (GA)

Our mortgage servicer failed to pay our XXXX property taxes on time. It took over a month of multiple emails and phone calls to get the taxes paid, even though the money was in our escrow account. After paying the taxes over 4 months late ( we only realized they were not paid after XXXX XXXX sent us a notice of intent to lien our property ), the servicer sent us an updated escrow analysis that increased our monthly escrow payment, and incorrectly included our sanitation/solid waste fee in the analysis. The analysis also included a revised payment amount effective XXXX/XXXX/XXXX ( which increased payment has been paid ). I contacted the servicer on XXXX XXXX to let them know the solid waste fee was improperly included, and provided proof that the fee has been paid out of pocket, not through escrow. They initially responded via email stating that the fee would be removed and we would receive a revised escrow analysis and monthly payment amount within 9 business days. As of today, XXXX/XXXX/XXXX ( almost 2 months after initial contact ), we still have not received a revised statement. I have followed up multiple times in writing, to which I received XXXX response basically stating they had changed their mind about removing it because it was " set up at closing ''. This is also inaccurate, and I provided them a signed copy of our escrow account disclosure from closing which only included XXXX Taxes and Insurance. I have followed up multiple times since providing this information, and still have received no response. On top of the non-responsiveness, the servicing department only has a generic " servicing '' email, so you never have a name or email address of an actual person to even know who has emailed you or who you are emailing. Additionally, if you call customer service, they can not provide you with a name or contact information for an actual person who handles escrows, they only state that they can " put a note in the system '' and escalate it to the escrow department. I contacted them in ample time to get this taken care of before our increased payment went into effect on XXXX, but since it has not been resolved, we have now had to pay the increased payment amount that wrongly includes escrows for solid waste and sanitation.
Consumer complaint received 2017-09-28
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. (RI)

I contacted XXXX XXXX XXXX in XXXX XXXX. Received information to pay off a debt for a XXXX XXXX XXXX through XXXX XXXX. I paid the debt off in the amount of {$3200.00} on XXXX XXXX, XXXX. When I paid off the loan through XXXX XXXX they explained that it could take up to 90 days before I would see the reflection on my credit report. After waiting 6 months, I contacted XXXX XXXX ( XXXX XXXX ) to report to them that my credit was still negatively being affected. They suggested I contact XXXX XXXX XXXX to resolve this matter as once I paid off the debt they were no longer an active party. From XXXX XXXX to XXXX XXXX, XXXX, I repaid XXXX  XXXX XXXX another {$460.00} debt to release a hold I had on my records. Once my record was paid in full I contacted XXXX XXXX accountant in the student loan office to confirm there was a XXXX balance on all debts owed in my name to the College. She assured me that I did, indeed, have a XXXX balance. She sent me XXXX letters stating that I have paid my debts to XXXX XXXX XXXX in full. She advised me to file a dispute with Equifax which I did in XXXX XXXX, without the letters, which they closed, and another in XXXX XXXX with the letters from XXXX XXXX XXXX as proof. I received notification from Equifax on XXXX XXXX, XXXX, stating that they contacted XXXX XXXX XXXX and that XXXX XXXX XXXX said that the debt was not paid. On XXXX XXXX, XXXX, I went to XXXX XXXX XXXX to speak with them in person about this matter. I spoke directly with XXXX XXXX who contacted XXXX XXXX who explained they never reported any of the debt to any credit bureau. Please note that Equifax is the only credit company reporting this debt in any form on my credit reports. XXXX attempted to contact Equifax. Equifax had a recording which stated that " you have reached the maximum attempts to contact Equifax '' and then disconnected the line. She also stated that she never received any documentation or phone call regarding the credit dispute from Equifax. XXXX said she 'll continue to look into it on her end and suggested I take further action as this has been negatively impacting my credit score. Equifax also advised me to follow up with XXXX XXXX XXXX providing the wrong address for the location.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WV)

I have XXXX direct unsubsidized student loans with a current outstanding balance of approximately XXXX. In XXXX, XXXX, I began work at the XXXX in XXXX, West Virginia - a non-profit organization. Because of my continuous work with a non-profit organization, I submitted paperwork in XXXX, XXXX to ultimately have loans forgiven after 10 years of continuous service with the non-profit and 10 years of consecutive payments. My servicer at the time I submitted the paperwork was XXXX XXXX. My XXXX XXXX ID was XXXX. 

On XXXX XXXX, XXXX, I received an email from XXXX XXXX informing me that my loan would thereafter be serviced by FedLoan. Specifically, that email stated as follows : " Important Notice : Transfer of Your Loan Account Dear XXXX, The U.S. Department of Education ( ED ) will soon transfer the customer service of your federal student loan account to FedLoan Servicing ( PHEAA ), another member of ED 's federal loan servicer team. Your loans are not being sold. ED will continue to own your loans ; however, a different servicer will manage your loans and assist you on ED 's behalf. 
ED is transferring your loan account to FedLoan Servicing ( PHEAA ) because you requested to participate in the Public Service Loan Forgiveness ( PSLF ) Program. FedLoan Servicing ( PHEAA ) is ED 's servicer that provides customer servicer for all federal student loan borrowers who are potentially eligible for PSLF and tracks their progress toward qualifying for PSLF. This change in servicer will not impact the existing terms, conditions, interest rate, or available repayment plans of your federal student loans. 
Your loan account will be transferred to FedLoan Servicing ( PHEAA ) on or about XXXX/XXXX/XXXX. If ED does n't transfer your account as planned, we 'll let you know. '' Please note the language stating that the transfer would not impact the existing " terms, conditions, interest rate, or available repayment plans ... '' For the entire eight year period I have been paying approximately {$190.00} per month on my loans. 

Once the loan was transferred to FedLoan, I received a bill for {$320.00}. ( My FedLoan account number is XXXX ). That is an increase of {$130.00} per month. At least in my mind, a monthly increase of {$130.00} is a substantial change in the terms and conditions of my loan. I contacted FedLoan twice and all they would tell me was that my loan had been " recalculated. '' I could never get past the first person who answered the phone. 

The last few months, I have continued to make my regular payment of {$190.00} as I have made for the past eight years. Now, unfortunately, FedLoan shows me as delinquent because I have n't been paying the higher amount. This can obviously have a severe negative impact on my credit score. 

I am not trying to avoid payment. What I want is for the payments I have been making for nearly a decade to remain the payments I continue to make - i.e. {$190.00}
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIDELITY CAPITAL HOLDINGS, INC (KY)

I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XX/XX/XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XX/XX/XXXX. XXXX XXXX also placed the account in collections with National security systems as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted XXXX and XXXX as well and seem to be getting nowhere with the removal of these charges.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

My wife and I have a joint account with SunTrust ( branch is at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ). We received a rogue charge to that account for a clothing purchase we had never made for {$240.00}. We called the bank to inform them and to halt the processing of the transaction. The bank told us that the transaction had been made on a different card ( My wife had had an account in her sole name with her own debit card for that account, however she had closed that account 3 months earlier and that account had disappeared from any view that we had ). 
As her old account was linked to our joint account, the transaction appeared on our joint account. It appears that they removed my wife 's " closed '' account from our view, but had never actually closed the account. I have read about the XXXX " sales practices '', however perhaps there are other short term " performance measures '' within banks that are resulting in window dressing ( such as keeping accounts open with a XXXX balance and removing them from the customer view ) and unnecessary risk being passed to consumers. 
For now, the branch has acknowledged that account was closed. They seem to have no idea how the fraudulent transaction was not denied from the get go. As my wife closed the account months ago, so the card was cut up at that time also. Meanwhile the bank, although they acknowledge that we could not have made this transaction, have nonetheless charged our account with the full amount while they process their " investigation ''. 
Now we are waiting for them to conclude their investigation while someone else holds our money in their account. All this while, only the bank 's dubious practices have allowed the fraudulent transaction to be conducted in the first place. It is a very sad place when the humble consumer has better risk management practices than one of the larger banks in the land.
Consumer complaint received 2017-02-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

I have been requesting Calvary Portfolio to send me a signed document or assignment that I owe their company this debt. To date, I have not received anything from Calvary Portfolio besides a copy of a bank statement. I have been requesting XXXX, XXXX and XXXX to verify the debt and the bureaus have been unable to. The only information I receive back is that the furnisher is providing that the information is accurate. I have attached correspondence dating back from XXXX XXXX, 2016 of disputes regarding this inaccurate information. I am unaware of any assignment of ownership that Calvary Portfolio has regarding this alleged debt. The furnisher has refused to send me the requested documentation.
Consumer complaint received 2016-04-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I had a procedure at XXXX XXXX XX/XX/XXXX. The company never sent me a bill because they recorded my address incorrectly and did not double check their error. Sold my debt to Eastern Account System of Connecticut , Inc. ( Creditor XXXX ) I received a call, out of the blue, on XX/XX/XXXX from this company demanding payment for something I had no clue I owed. I advised I would be in touch with XXXX XXXX and sort out that debt. I spoke with XXXX XXXX the same day ( XXXX ) who advised they had the wrong address and did n't bother to cross check before sending to collections. She stated she would pull back the collection and send me a proper bill, which I stated I would pay. 

The next call I receive is XX/XX/XXXX from the collection agency stating they are still owed. I explained my conversation with XXXX but he saw no note that the debt was pulled. It was late in the day Friday. 

I spoke with XXXX at XXXX XXXX on XX/XX/XXXX who stated that XXXX did pull the collection back but did not reset the cycle and it was sent back to collections. She advised she would have her manager ( XXXX ) call the debt collector to explain/remove. I sent a check for the amount owed to XXXX XXXX on XXXX. USPS tracking XXXX XXXX XXXX. This check was cashed. 

I mistakenly thought this was all settled but today ( XX/XX/XXXX ) I receive a letter from Eastern Account System of Connecticut ( dated XX/XX/XXXX ... ) that the debt was not paid and that since I did not dispute their letter from a month ago ... which I did not receive, that the debt has been reported to a credit bureau. 

I am buying a house in 2 weeks and my career depends on a spotless credit rating. Their bush league antics have caused me XXXX and could affect my livelihood. Please do something about these criminals.
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TX)

Hello, I consolidated my loans through DOE and XXXX 's XXXX, most recently in 2009. I also enrolled in the Income-Based Repayment Plan and submitted an Employer Certification Form. This moved my loans from DOE/XXXX/XXXX to PHEAA/FedLoans. I am applying for the National Institutes of Health Loan Repayment Program, and I need the completed Master Promissory Note including the application pages 1 and 2. Since I applied online, all I got was pages 3-10. However, PHEAA does not seem to have the forms, since the consolidation technically occurred through XXXX XXXX. Since XXXX XXXX is now defunct, there is no one there to call to get the record of the consolidation. I will not qualify for the NIH LRP if I ca n't show that all the loans that went into the consolidation were eligible loans, and thus I need a copy of the application. I 've tried talking to the NIH LRP, PHEAA, and StudentLoans.gov, all to no avail. I was hoping you could help me locate these missing pages of the consolidation application, so that I can continue my NIH LRP application.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

On or about XXXX/XXXX/16 my father instructed and provided his girlfriend with account information to send a quick pay to my account in the amount of {$2000.00}. At this time my father was alive and well, during the course of day on or about XXXX/XXXX/16 my father was murdered which was unknown to myself or the girlfriend. The quick pay was sent at some point on or about XXXX/XXXX/16 my grandfather became upset that he wasnt listed as a beneficiary and decided to make a fraud claim without in basis. The bank than proceeded to close accounts and send my father funds via XXXX. According to the bank on XXXX/XXXX/16 I went to provide death certificates and request rights of survivor-ship and beneficiary information my account was being frozen until the fraud department was finished with an investigation. On or about XXXX I went in back to withdraw funds from direct deposit from my employer and child support when I was notified by a teller that all my funds had been sent back, the remaining funds were sent via mail in form of check on XXXX/XXXX/16 to address on file. As of XXXX/XXXX/16, none of the funds have been received and my employer has stated that no notification of returned funds has been received. I have called the customer care and executive office for assistance regarding how Chase JP Morgan has mishandled my funds and account. Chase bank has not provided any instruction on how to handle an account in the event of a death, or rules that states you cant provide another person access to account if the customer wishes engage in such practice. Launching a fraud case without all the facts is bad business practices and causes a disruption in an situation that has no intention of anyone involved committing fraud.