davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

XX/XX/2010 we had to short sale our house due to medical issues and financial distress. We had a XXXX and XXXX mortgage. The terms of the short sale ( and what is reflected on our Final Closing Statement ) was that our XXXX mortgage holder, XXXX, agreed to a total loan pay off of {$550000.00} and the XXXX mortgage holder, XXXX XXXX XXXX now XXXX XXXX agreed to close the short sale with a total pay off of {$22000.00}. XXXX agreed only to give XXXX XXXX {$2000.00} from the sale of the house to Discharge the mortgage and my husband and I had to put in another {$20000.00} for it to close. 
XXXX XXXX ( XXXX ) never took the overdue balance off of our credit report ( which shows as {$44000.00} ). Recently we refinanced our new home and had to get proof from XXXX that the account is in fact closed and that our final payment of {$22000.00} constituted a settlement-in-full of that account. 
I would like to have our accounts updated to show that there is no balance due and the account was paid as agreed on our Short Sale Closing Statement. I have attached documentation as needed. 
The account holder as shown on the letter is my husband, XXXX XXXX and our former address was XXXX XXXX, XXXX, CA XXXX. The account number with XXXX ( XXXX ) is XXXX.
Consumer complaint received 2015-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

The following ( XXXX ) accounts are listed as " Open - Unknown '' when they should be listed as " Closed under Bankruptcy, Chapter XXXX '' :1. XXXX XXXX2. XXXX XXXX3. XXXX XXXX
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

XXXX XXXX I sent a letter asking for Equifax to look into several accounts I have issue with and believe may be incorrect. I sent a follow up letter XXXX. It is now XXXX and no response. This is a violation of Federal law
Consumer complaint received 2015-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

This judgment is still reported as reinvestigation on my Equifax credit report 4 months later as of today.I have not received any updates from Equifax. 
XXXX CFPB review Response disputed XXXX/XXXX/2015Case number : XXXXXXXXResponseEquifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *Equifax will mail the results of the reinvestigation within 30 days.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

In XX/XX/XXXX I notice a Bankruptcy # XXXX that showed up that I know for a fact does not belong to me. I notified Equifax and they claimed it was verified. This can not be true because I called the court and the had no idea what I was talking about. They had no file on me and said Equifax never notified them or verified anything about me. I want this off my credit report.
Consumer complaint received 2015-05-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (KS)

I WAS UNABLE TO FILE TAXES THIS YEAR BECAUSE SOMEBODY ALREADY FILED UNDER MY NUMBER. I TRIED TO GO CHECK MY CREDIT SCORE AND IT SAID I HAD ALREADY CHECKED IT .... I HAVEN'TTRIED WITH ANOTHER AGENCY AND WOULD NOT LET ME PROCEED. 

I FILED FRAUD ALERT WITH CREDIT BUREAU
Consumer complaint received 2015-11-10
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe (TX)

ConServe on behalf of U.S. Dept of Treasury and VA sent me a wage garnishment for repayment of my G.I.Bill for classes I dropped. They said they would keep taking XXXX % out of my paycheck until a stop payment is received. I owed {$770.00} the collection agency instead garnished {$1000.00} out of my wages. Which means there was an overpayment of {$240.00}. I 've called ConServe and U.S. Dept of Treasury and VA and neither agencies can tell me where the money is and it has been 55 days now since the debt was paid. I do n't know what else to do because I served my country for 4 years to get my GI BIll, and I 'm being punished like this, I go to work everyday and I 'm being put further and further in debt because of this. How can I pay other debts if this agency is taking more money than owed on that specific court ordered garnishment? I have not received any documentation stating the debt was paid nor have I received anything telling me what they did with the overpayment, whether it was applied to another debt or whether it would be sent back to me.
Consumer complaint received 2016-06-30
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I applied for a loan with ACE Loans. After submitting the proper paperwork I was denied a loan. I asked for a valid reason and was not given any specific reason. I called their main office and was also given the run around. I think this is a very questionable operation. They take your personal information and then do not offer a valid response like most lenders.
Consumer complaint received 2016-11-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Armada Corp. (WA)

I had an issue with my insurance company in lat XXXX and early XXXX. I had XXXX bills that were not paid and were sent to collection. I communicated with Armada and let them know the insurance would be paying. In the process of me getting it all worked out they started trying to garnish my wages. The insurance company did pay most of the debt in febuary directly to the hospital and I did not hear from Armada again until XXXX. Now they have added more interest, more legal fees and have not taken the bills of that were paid or reduced the ones that were partially paid. I contacted XXXX at Armada in XXXX Washington and she refused to help me. She stated that I am responsible for the amount and the interest and she refused to help me. XXXX has a personal problem with me and said they have legal documents and would not help me. Armada also has attempted to collect this in the past and they know because of my child support garnishment they are unable to garnish my wages. She is doing this now just to rack up fees on the account and she well knows my situation from the last time before the insurance paid the bills. I was also not notified by the original creditor or armada about any remaining balance and Armada does not want to acknowledge the bills were paid by insurance. This company is know locally for dishonest tactics and now will not even answer my phone calls. Armada has also falsely reported the collection on my credit report causing my score to drop and affecting the interest rate of my last loan.
Consumer complaint received 2015-10-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (UT)

My credit was affected by the poor business practices of LoanCare, the mortgage loan servicer for XXXX Mortgage. Below is a brief summary of the most recent incident. LoanCare systemically engages in obstructive, if not downright fraudulent, business practices, resulting in late payment fees and negative impacts on credit scores. I have paid our mortgage without fail every month since we bought our home XX/XX/XXXX 
Monthly, we pay our mortgage by scheduling online payments through our XXXX Bank checking account. At some point, LoanCare changed our mortgage account number ( without notifying me XXXX, resulting in the XX/XX/XXXX payment being returned electronically to our XXXX Bank account XX/XX/XXXX. LoanCare did n't notify me that this payment was returned, so I thought our mortgage payments were being applied appropriately. Instead, the account appeared to be missing the payment XX/XX/XXXX. Further, the amount of the monthly mortgage payment increased over the summer from {$2600.00} to {$2700.00} ( also without me being notified ), so not only were subsequent mortgage payments being applied to each previous month 's mortgage, I also then needed to pay the difference in the new monthly amount as well as late fees to rectify this. Because the monthly loan amount increased, and LoanCare wo n't apply payments unless they cover the entire monthly amount due, LoanCare then held {$2500.00} without applying it to my account, thus charging me further late fees. LoanCare did not have the correct mailing address or contact phone number listed on my account, and had my wife 's phone number listed as the contact, even though she is not on the mortgage. After spending much time talking to various call center employees and supervisors to figure out why LoanCare was n't accepting my mortgage payments, I paid ( again ) the mortgage payment that was returned XX/XX/XXXX, as well as the difference remaining after the monthly mortgage amount was increased, plus late fees of {$430.00}. I asked LoanCare, ( in writing : XXXXXXXXXXXX ), for these late fees to be refunded and a letter sent to the credit report agencies stating that my account is paid as agreed with no late payments. I also updated ( again ) our mailing address and contact info, and asked that I be immediately notified if there are any subsequent changes to the account. After waiting several months for a reply, LoanCare stated that they would not refund late fees and would not send a letter to the credit reporting agencies showing that my account has always been continuously paid in full, on time.
Consumer complaint received 2016-10-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (OH)

My mortgage was transferred from one company to another in 2015. I sent two payments to Loan Care in Virginia and they have failed to submit the payments on to the new servicer which is XXXX XXXX XXXX. I have dealt with this for a very long time patiently. I need proof that they sent the money as XXXX XXXX XXXX says have n't received it.
Consumer complaint received 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LoanCare, LLC (NY)

Why would there be a need for a mortgage servicer to obtain another Abstract Title? As I understand it, the original Title should prevail throughout the life of the loan. According to my settlement sheet, I paid well over {$3500.00} for Title from XXXX XXXX, located in XXXX, NY in XXXX. Now, I 've found, according the County Clerk 's records, that yet another Title has surfaced from XXXX XXXX, located in XXXX, PA, obtained by LoanCare Servicing, who in turn supposedly sold the loan to XXXX, even though LoanCare was not the owner of the Note. How could they sell something they do n't own and paid absolutely nothing for? Did I mention the original Lender was the infamous " XXXX '' I thought when XXXX went defunct, all loans were to be delivered to XXXX. Mine was n't delivered until XXXX, three years later. During that time, there was NO ASSIGNMENT until XXXX to none other than who else, the servicer, LoanCare. Also, this was an FHA loan. If in default, should n't FHA have obtained it and sold it themselves? Where are they? Why was there a need to change Title Trustee from XXXX XXXX to XXXX XXXX? Does n't this place a cloud on the tile? I may be a novice concerning Real Estate but something just ai n't right. The way LoanCare and XXXX conduct their business, I 'm sure we 're headed for a repeat meltdown of the housing industry, as was the case in XXXX. I 'm hoping the Courts have gained more knowledge of these dirty dealings and will not let them seize consumers homes fraudulently.
Consumer complaint received 2016-10-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (CA)

I filed a complaint recently but I am unable to locate it so I am submitting it again. I got behind in payments when I went on XXXX and I submitted an application to my servicer for loan mitigation, but they called me last Monday and told me I did n't qualify for anything they could offer me. I do n't believe there is nothing I qualify for, because I have read about forclosure assistance programs for those on XXXX or unemployment and that it is unlawful to discriminate against someone who 's income is from government assistance. I have owned this house since 1998 and I truly want to keep my home. When they spoke to me on Monday they said they had sent me a letter but I have not received it yet. It 's not that I do n't trust them. It 's that I do n't trust them. I do n't want to find out that I 've missed an important deadline because I never received the letter.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (MO)

WAS TOLD BY XXXX THE SUPERVISOR AT US BANK HOME MORTGAGE LOSS MITIGATION/ RELATIONSHIP MANAGER SUPERVISOR, THAT ONCE MY TRIAL PAYMENT PERIOD ENDS THAT MY PERMAMENT PAYMENT COULD INCREASE BY {$30.00} TO {$40.00} PER MONTH. BUT ACCORDING TO THE WEBSITE FOR MAKING HOME AFFORDABLE /DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT/ HUD, THEYCAN NOT INCREASE THE PERMANENT PAYMENT AMOUNT IT MUST THE SAME OR LESS THAN THE TRAIL PAYMENT AMOUNT. HE WAS VERY RUDE AND I THINK HE WAS JUST SAYING ANYTHING TO GET OFF THE PHONE. I WAS ALSO TOLD BY SOMEONE IN THE SAME DEPT THAT I DO NOT NEED TO MAKE MY PAYMENT UNTIL PAPER WORK IS RECEIVED FOR PERMANENT PAYMENT AFTER I HAVE MEET THE 3 TRAIL PAYMENTS.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (NJ)

Please refer to XXXX, the original complaint I filed against Elan Financial Services on behalf of my client, XXXX XXXX. Elan Financial sent a letter on XX/XX/2016 and refunded my client 's {$240.00} with a sincere apology. Shortly thereafter, in XX/XX/2016, my client received a collection letter on the ELan debt. XXXX XXXX called me and I told her to throw the letter away. On XX/XX/2016, I received a letter from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Minnesota XXXX. The letter states their client is U.S. Bank National Association dba Elan Financial Services. The letter acknowledges the death of XXXX XXXX 's husband and claims an unpaid balance of {$420.00}. I have since received numerous telephonic messages from XXXX XXXX regarding this debt. 
Obviously, because XXXX XXXX contacted me, XXXX XXXX 's attorney, Elan Financial Services provided DCM with this information. Any correspondence between myself and Elan Financial had been to resolve the original error on Elan Financial 's part and the extensive documentation, except for my contact information, was intentionally ignored or discarded in pursuing my client. 
What is the recourse for this? My client has suffered continually at the hands of Elan Financial Services. Still emotionally fragile, XXXX XXXX has been forced to revisit her grief on the death of her beloved spouse, harassed for a debt she does not owe and continues to pay for my services in correcting the ineptness of and by Elan Financial Services and their representatives. This is outrageous.
Consumer complaint received 2016-03-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

On or about XXXX/XXXX/16 I went into my bank, USbank and noticed my balance was less than I thought it was and went inside to see why. The banker first noticed when I got gas, they charged me 3 or 4 times but it cleared the next day and corrected. I had pulled out about {$40.00}, and then went and pulled money off my XXXX card. The next day I saw everything cleared and the over charges returned so I paid another bill. Then on XXXX/XXXX/16 I was going to transfer money and noticed I was over drafted. I called to find out why, and was told the teller made an error, did not post my money I pulled out so they pulled it out a week later. I have been in several times and called customer service to try to fix this, and they waived a few fees but they would not fix the issue they caused. They keep trying to get me to pay {$60.00} or so and charge me fees. I saw on my end and theirs the very next day everything had cleared. I do not feel I should have to pay again for their mistake. There is even a note on my account saying this was an error. I also disputed the amount I pulled out.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (NC)

Elan Financial Services has recently taken over servicing my Credit Card from XXXX. In conjunction with the takeover, they have mistakenly blocked valid transactions due to suspected Fraud, they have limited the ability for me to see transaction history on-line, and they have reduced my reward earning.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

In XXXX, Equifax was reporting an account I have accurately paid as agreed, closed and a zero balance. In XXXX, Equifax started reporting the same account as open, and currently past due for {$3400.00}. Last updated was XXXX XXXX XXXX after several disputes. I contacted the creditor and they verified that the information is not reporting correctly on my Equifax Credit report but informed me to file a dispute again and again to fix the issue. I feel that Equifax is not even contacting the creditor.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

All XXXX Credit Bureaus are reporting Credit Accounts discharged in bankruptcy in XXXX of 2010 as derogatory credit. I have contacted the Creditors and they refuse to stop reporting the credit account as adverse/derogatory as well. 
This is a violation of the Federal Bankruptcy reporting laws and is negatively affecting my ability to obtain credit. It is also a false/fraudulent reporting of the status of my credit since the bankruptcy closure. 
The outsourced phone rooms handling the 'collections operations ' and credit bureau reporting do NOT understand US Bankruptcy law. The " Creditors '' blame the " Credit Reporting Bureaus ''. Neither entity can nor will accept responsibility for the fraudulent/false reports nor will they correct the reports. 
I have perfect credit since my bankruptcy and wish to increase my scores. They are making it impossible.
Consumer complaint received 2015-10-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (TX)

i filed Chapter XXXX the trustee was making payments on my behalf. I dismissed the BKXXXX and contacted the lender after the run around going from the BK department to customer service. they finally tell me to go to the branch that made loan. they show on my credit report charged off and full amount due This is not accurate they have tried to damage me more I know they have been paid {$150.00} through the trustee known they want full amount and using the credit bureau to get it from me and have not made any effort to show it is still in installment payments. they need to be informed they are practicing tatics to collect
Consumer complaint received 2015-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Patenaude & Felix A Professional Corporation (AZ)

I am currently paying off a XXXX XXXX through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. Patenaude & Felix, a.p.c are now trying to collect on the SAME debt!
Consumer complaint received 2015-04-09
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BAM Financial, LLC (PA)

I have been receiving messages from XXXX ( XXXX? ) Associates out of XXXX. They have been threatening to " process serve me '' on a matter which he will not disclose. Will not tell me where the debt is from ( I Do not have any past due debts ). has been call me my place of employment, as uses addresses which only my place of employment know I would be ( I work with XXXX XXXX ). When asked to submit to me in writing what the bill is and who is asking to collect, he just yesll and states it is too late for that. 

Their number is XXXX. The guy who called me states his name was XXXX XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I have been having issues with Navient for at least two years. I complained to them over the phone but have never sent a written complaint. However, I gotten to the point that my last option is to ask my parents to pay my loans. 

Beginning about two years ago, I called Navient asking them to help me with my loans because I had been paying them on time and had been a good customer, but I was no longer able to make the payments. I asked for options and was given none. At the time, even lowering the monthly payments because of finances was 'not available ' be me. 

I was hoping to put my loans into forbearance, but had apparently run out of time. Something of which I thought I had at least a couple more months of but trusted that they kept better records than me since I live out of the country at the moment. 

After some time, I called back and complained and was offered a chance to lower my payments based on my income. Though, this was after several attempts to contact Navient and failing to get through. 

Something I just discovered through an article written about the government suing Navient this month is that I can get my co-signer released. This is an option that I was never given before, even when I had mentioned that I wanted to make sure my co-signer was not affected by my ability to not pay. 

Time and time again, I have not been given options when I contact Navient. Each time I feel I am informed about my rights or my status with Navient, I feel that they have backed me into a corner. 

Aside from the lack of information and the times they have blatantly not informed me of my rights, Navient 's customer service workers are rude and overbearing. I often feel I am discussing my loans with a loan shark or mobster than the people who are supposed to be there to, at the very least, advise their customers. 

Navient is not a student loan company ... they are in the business of draining students of ambition, hope, and life.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I attended XXXX school XX/XX/XXXX and was informed my only option was defer my payments until graduation. I then entered a sixth month 'grace ' period, of which I collected so much interest. I assumed this was my only option. Also, i have since signed up for automatic debit for payments XX/XX/XXXX to get a .25 % discount on qualifying interest rates and I was awarded this credit FINALLY XX/XX/XXXX according to my statement. I never received notice that i received the interest rate deduction or any reason why it was so delayed in being applied to my accounts.. ridiculous.