davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

This is a continuation of a prior complaint that was not fully addressed. The case number for the prior complaint for reference is XXXX. There are unanswered feedback items on the company 's response below. I have attached a copy of the supporting documents, including the company 's initial response. 
Thank you for your response. 

Based on the admission within the response, as well as the backup uploaded, of mobile internet access inabilities to allocate payments and reflect loan-level detail I respectfully request that all credit reporting be adjusted. Further, the statement in the response regarding numerous website payments made previously by me is irrelevant. I say this as I log in from my mobile internet frequently to arrange payments. The online experience on my mobile phone should match that of the environment of the website from a computer, especially if it relates to payment allocation on numerous loans serviced and the information ( or lack thereof ) regarding the state of the loans. Also, related, as a consumer AES ' relationship with XXXX is irrelevant to me as my direct relationship is with AES as the loan servicer. It was referenced in the letter, and has previously been conveyed to me in several phone calls with AES, that XXXX is the entity to be dealing with on many of these issues. I disagree, again, as AES is the loan servicer. Lastly, on this point, the credit adjustments and concessions made by AES do not offer relief as credit reporting strings on each loan do not go back to XX/XX/XXXX on the national credit agencies ' reporting. 

AES states that the XX/XX/XXXX long-term modification package can " now '' be reviewed due to assumed procedural changes. I 'd like clarification on the procedural gap, along with the corresponding procedural change to address said gap, that previously prevented me from applying for long-term assistance. This " new '' ability to submit for long-term assistance after a missed packet return was never communicated to me before this response and the most recent telephonic communication with AES, and I believe this gap has adversely impacted my abilities to make on-time payments this past year. Further, AES states that a loan must be contractually current in order to request long-term assistance. As a consumer I absolutely do n't understand this policy. The point of assistance is to assist consumers during times of hardship. This should be reviewed and I 'd like clarification on why AES operates under this non-industry standard policy. 

Lastly, AES failed to address the error notices attached. I am requesting additional information related to the error notices received. The clarification previously requested telephonically led nowhere as AES could not clarify XXXX ' error ... again baffling as AES is XXXX ' loan servicer. 

I respectfully request additional clarification and reconsideration. 

Best Regards, XXXX XXXX
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (VA)

We have reviewed the Fay Servicing response and my wife & I - plus our family adviser have found the answer Unacceptable. Again, for the better portion of a Year, Fay ( individuals named additionally-emails retained for examination ) Maintained continually, that the derogatory comment would Not, repeat-NOT affect our Credit Rating. Basically they said " Fu-get-about-it ''. From last spring, we have written documentation that in fact It Did impact and Prevent our family from obtaining a home improvement loan. Our conversations with Fay Servicing concerning this matter have altogether been Unsatisfactory 'at the minimum '. They do not seem to grasp the number or substance of proof we retain proving our side of the dispute. Further can be documented.
Consumer complaint received 2016-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

Service rendered on XXXX/XXXX/2016 - it has now been almost a year. The hospital fraudulently billed. my insurance company paid the bill, the hospital billed me for the copay/balance - which was also incorrect. the hospital then sent the bill to collections. I notified them in XXXX 2016 that the bill was incorrect.I have maintained contact with them and have been attempting to resolve the issue. In XXXX, my credit score was XXXX, currently it is XXXX over {$100.00}.
Consumer complaint received 2017-02-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

EXPERIAN XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Experian I 'm writting to you Once again Inference to some Unverified items on my credit File but you keep failing to do so. Experian I 'm fully aware of the Federal Law. yourself and The creditors are not following THIS FEDERAL LAW. the way this law is sit up is that you The reporting agencies should have the consumers Orginal signed documents in your physical possession I have asked you to please provide me a copy of the followings documents with with my signature attached to it. Experian I know you DO NOT KEEP THIS INFORMATION ON FILE AS YOU HAVE TOLD ME MORE THAN ONCE. BUT HOWEVER THE FCRA 609 ( A ) ( 1 ) ( A ) CLEARLY STATES THAT AT THE CONSUMER REQUEST YOU MUST I REPEAT MUST PROVIDE THAT PHYSICAL AND LEGAL CREDIT CONTRACT. IF YOU ARE NOT ABLE TO PROVIDE THAT INFORMATION IT STATES THAT THE ITEMS MUST BE DELETE. HERE IS THE THING IN WHICH SO MANY CONSUMERS DO NOT UNDERSTAND BUT I DO YOU ARE NOT A FEDERAL AGENCY AND YOU ARE NOT ALLOW TO REPORT ANY INFORMATION ON ANY CONSUMER WITH OUT THAT SIGN CONTRACT YOU ARE BREAKING THE LAW AND I DEMAND THE FOLLOWING ITEMS TO BE DELETED FROM MY CREDIT FILE IN ORDER ALSO YOU HAVE BLOCKED MY ABILITY TO FILE DISPUTE ON YOUR WEBSITE SO I 'M ASKING YOU RIGHT HERE RIGHT NOW TO PLEASE REMOVE THESE NEGITIVE ITEMS ASAP XXXX XXXX XXXX LATE PAYMENTS XXXX XXXX LATE PAYMENTS XXXX LATE PAYMENT AND ALL CREDIT INQUIRES THAT IS OVER 30 DAYS OLD. I request this deletetion ASAP
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I disputed the inaccurate info about the judgement, case # XXXX, with Equifax and XXXX. Both stated the info was correct. However, as noted on the reports Equifax is showing a Paid/Satified date of XXXX and XXXX shows a Paid date of XXXX/XXXX/2013 I have included the excerpts of my credit reports showing how these accounts are reporting
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

I was attempting to print off all XXXX credit reports. XXXX went easily and already corrected the disputes. EQUIFAX has the identity portion that must belong to someone else.This is affecting my credit as XXXX says I have XXXX things lowering my score. 
I was asked to identify myself by selecting a mortgage as well as a loan that I do not have. I owe nothing and never pay a bill late. As a result of lack of identity to their satisfaction I could go no further and did not get my report. The XXXX report XXXX I was in the middle of reading and it would go no further and they now say I can not get back in either to read or print off my free copy. Please help me .Thank you
Consumer complaint received 2017-02-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (IA)

Seterus shows a deficit of {$1100.00} in an escrow account. Seterus has not made any payments for Insurance an taxes, so there should not be any activity in an escrow account Over {$2000.00} has not been applied to the mortgage balance. Monies are held in " suspense '' Late fees are being charged because payments are not being applied to my loan
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MN)

Under the Equifax Complete Premier Plan " Understanding Your Score '' they are reporting that the oldest credit card I have is 8 months old and this is impacting my score in the most negative way. My XXXX XXXX credit card was opened XX/XX/XXXX - my XXXX Card was opened XX/XX/XXXX and I had several credit cards that were much older. They are using incorrect information in their equation when figuring my score. Every time I try and get corrected they do nothing but lower my score like they are retaliating against me for trying to correct.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MI)

I went to the website XXXX and completed all XXXX sections and when I got to the XXXX section to obtain the reports I received a message stating I would be unable to get the reports online I would have to mail in a request to obtain them. I do n't understand why the site would have me enter my personal information under the guise that I will receive the reports online and then tell me that I ca n't get them.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

On my Equifax Credit File : my XXXX XXXX XXXX XXXX Credit Card and XXXX XXXX XXXX Credit Card are reporting the incorrect : Date Opened. I opened both of these accounts on XX/XX/2016.They both have Date Opened dates of XXXX/XXXX/16. I have disputed this error three times with them and still know resolution. Please contact Equifax and have my Credit File updated correctly.
Consumer complaint received 2015-08-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

companies promised free credit reports, I entered my personal information, but the companies wanted to charge me to unfreeze my credit scores -- -- -they still have my confidential information. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (TX)

What I believe is a strategy to enforce the use of XXXX ( owned by XXXX ) I have requested my credit report from Equifax and XXXX and the supporting documents I submit ( Copy of driver license with my full address and copy of SS card was deemed insufficient. XXXX submit the credit report.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

On XXXX XXXX, I realized that I did not get my statement to pay my mortgage. I called Seterus who said that no statements were sent out because they were having '' computer problems ''. I was instructed to send the check in with the account number written on it. This was done. However Seterus applied it to the wrong account. I have tried for the past 2weeks for them to correct their mistake and now I am been penalized with late fees and a negative on my credit report. I have called multiple times and have been told that they see it noted but NO effort has been made to correct their mistake. .I find this very unprofessional and unethical. Can you please assist me in resolving the situation.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (LA)

Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all XXXX of credit bureaus and I would like them removed immediately or XXXX XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.
Consumer complaint received 2015-03-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: SCV Inc. (TX)

I was contacted by this collector ( not the original lending company ) stating that I owed money to the original lender. I asked for more information on the matter, including a letter in the mail and was informed that the original lender had already sent XXXX letters since 2011 and that 's all they are required to do. They stated that the original lender would take legal action if I did not take care of this matter today. I told them I was unable to setup any sort of payment without more information on this loan. I have tried looking everywhere and ca n't find anything on the original company so I have nowhere to contact. The man gave me until XXXX today and I did call back before yet got his voicemail. This entire thing sounds XXXX and I do n't know all the laws of this type of situation but I did n't think what he was claiming ( the time-table ) was correct or lawful.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, such as creditors of XXXX Card ) is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF IN XXXX OF 2011 ). The collection agency are still reporting payments as late and the account is close and charge off. I am requesting that the item be deleted ( or request another specific change ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # XXXX, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF THE WEST (CO)

Bank of the West charged a {$36.00} fee for a check paid on XX/XX/XXXX due to insufficient funds/overdraft. The account statement shows that there was enough money to cover the check, and there was money left in the account on XX/XX/XXXX after paying the check.
Consumer complaint received 2016-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: EOS Holdings, Inc. (MN)

I am a victim of identity theft. I have been receiving harassing and threatening telephone calls, along with death threats from EOS CCA representatives for a fraudulent and unauthorized account that do not belong to me.
Consumer complaint received 2015-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

AFNI, INC. contacted me about an XXXX account. I was told that if I paid the account it would be removed from my credit. After, I paid AFNI , INC, I was told that they do not remove the accounts from my credit. The AFNI reps lied to me on multiple occasions about deleting the account before I paid them. After I paid the AFNI rep told me that the account would not be deleted and that there was nothing that I could do about it. I reminded her of what she said before I paid and she hung up on me. When I call back everyone that I talk to at AFNI now says that account will not be deleted.
Consumer complaint received 2015-09-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (GA)

I made mulitple payment arrangements with Kia Motor Fiancee on my XXXX XXXX XXXX XXXX. They told me that I would not be reported late to the credit bureaus because I had made payment arrangements. Ultimately Kia Motors Finance reported XXXX late payments to all XXXX of my credit bureaus, despite our payment arrangement.
Consumer complaint received 2016-03-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BOGMAN, INC (MD)

I short sold my home a few years ago and part of the agreement with my mortgage company was that I would have a $ XXXX payoff amount that would be paid back monthly. Initially this would be paid to XXXX XXXX XXXX Bank, but last spring it was sold to Bogman Inc. When it was held by XXXX XXXX XXXX I had major issues with their billing department, so my account was not accurate when it was transferred to Bogman. I contacted Bogman in XXXX XXXX to obtain a payoff amount for this account and did not feel that the amount that they quoted was accurate due to the issue that I had with XXXX I was asked by a representative who was handling my account at the time to document my poor customer service from XXXX XXXX XXXX because numerous customers whose loans they had taken over had serious issue with billing at XXXX XXXX XXXX. So, On XXXX XXXX, XXXX, I sent a very detailed email to Bogman , Inc and part of my email stated XXXX under the circumstances, I felt that it was completely appropriate for me to refuse to pay the interest that Bogman was going to charge me for nonpayment for the period that XXXX XXXX XXXX Bank were the holders of my loan. That I attempted to pay this loan in full in XXXX XXXX, but could not obtain the correct balance information and as I had documented, I made numerous phone calls to XXXX XXXX XXXX that went unanswered. I was told that my account would be reviewed and that someone would get back to me. Needless to say, I have had to send numerous emails since XXXX XXXX inquiring about that review status of my account and no one has ever gotten back to me. Since Bogman took over my loan, I have never missed a payment ( until recently, I told them that I was not paying them until I herd from someone ) and I believe that they have just taken my payments and and applied a portion of it towards the interested, even though I stated that I was refusing to pay those. I have always been in excellent standing with Bogman ( at XXXX time they held my mortgage loan ) and they actually hold another small payoff loan that was part of my short sale agreement. I am completely frustrated that I have not received a response from anyone at Bogman. 
Thank you!
Consumer complaint received 2015-10-22
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CREDIGY USA CORP. (PA)

on XXXX/XXXX/2015, I filed an dispute with NCEP. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised NCEP to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised NCEP that not complying wit the FDCPA will put their company in a bad position with the CFPB. NCEP never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA .NCEP sent me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.
Consumer complaint received 2016-12-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DriveTime (TX)

I have noticed XXXX numerous times thru disputes that there are NO debts associated with my name. There was an XXXX debtor search certified from the Texas Secretary of State that there are " zero '' debts owed to any alleged creditor. XXXX is in violation of the FCRA ( XXXX XXXX XXXX ) and guilty of re-aging debt, re-insertion of unverified debt, and using copyrighted property. On XXXX XXXX, 2015 Report No. : XXXX confirmed with a hardcopy notice of the deletion of alleged creditor " DT CREDIT ''. It has been over 30 days and XXXX is n violation of XXXX XXXX XXXX XXXX Each at XXXX XXXX XXXX {>= $1,000,000} XXXX per violation per XXXX XXXX XXXX. XXXX. Without Prejudice. I have been damaged and negatively impacted by this negative line of credit remaining remaining my report.
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns collection efforts and the communication tactics are ridiculous and disturbing while at work. I have previously complained regarding the amount of calls received on day and their response is are not able to remove the automated calls that go out. 

Conns calls me on my company cell phone at least XXXX times a day. Sometimes the calls are back to back within XXXX time frame even after leaving messages on cell phone. I have told them I am getting calls while at work and its interfering with work. I understand they are trying to collect and it is my responsibility to pay which we do pay even if late but the collections tactics on repeated calls is bad. Our car loan lien holder never makes these amount of calls on a day on a way much more higher loan amount then what we have with them.
Consumer complaint received 2016-11-29
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (IL)

I am unfortunately behind on a creditor bill due to being out of work on exteneed medical leave. I have contacted the creditor a couple of times previously to explain my situation. I do not have a source of income at this time. The creditor has been calling my husband 's mobile phone aND today i have been informed they have called my mother 's work multiple times today. How they received my husband 's cell phone or my mother 's work number is beyond me. And they have no business harassing these XXXX individuals, especially at places of employment