davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-24
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC. (GA)

I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: STERLING JEWELERS, INC. (GA)

My issue is that on XX/XX/XXXX my engagement ring/bridal set was purchased. The associate in the store made XXXX of the diamonds fall off by putting it on a machine. That resulted in it having to be sent in for repair. Since it had to be sent in, I asked for it to be souled together as well, so that I would n't have to get it done another time. It was supposedly sent out that day, which I do n't think that it was. I was told that I would have it back by Wednesday or Thursday. It was n't. I was told that it would be back on Monday. It was n't. I am just now finding out that it has n't left the repair shop, they could n't provide me with a tracking number backing up their claims that it would be in on XX/XX/XXXX and I was n't told how we were going to be compensated or reimbursed for the headache that all of this has caused, lack of correct information. It is ridiculous. I spent XXXX in that store and this is the thanks that we get. I do n't appreciate it at all. I could n't find the XXXX complaint page, so I started here. I opened up a Kay Jewelers credit card specifically for this purchase, and that is what it was paid with. There are too many apologies and not enough action, therefore I am filing this complaint. 

Oh and my partner and I have another account with Kay Jewelers that was paid and closed in XX/XX/XXXX. They are reporting that account as late. I am attaching the proof of that to this complaint. All they have to do is update the payment history with the bureau as positive and they chose not too or give me the run around. I am not pleased with that. I would like that issue resolved as well.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BWW Law Group, LLC (MD)

This is a complaint against BWW Law Group which is a debt collector and as such is liable under the CFPB for it 's actions. 
I have submitted a complete application for a loan modification to the debt collector, BWW Law Group, on numerous occasions to the present. I have received letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, BWW Law Group has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at XXXX ( XXXX ). 
BWW Law Group, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015. 

Debt Collector Address : BWW Law Group, LLCXXXX XXXX XXXX. 
XXXX XXXX, Maryland XXXX ( XXXX ) XXXX ext. XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) XXXXXXXXXXXX
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (DC)

Knowing I would become delinquent on my Sallie Mae Private Student Loans, I tried contacting the consumer representative to be proactive to see what could be done. I asked to speak to a Collections agent, and they would n't put me through since my account was not past due. Instead, the representative told me he talked to them and they ( Collections ) said they could not help me until my account was past due so that I should let it go past due if I wanted help. He told me past due means 5 days, and that after 15 days delinquent but that I would not have to worry since 30 days is when they would report me to the Credit Bureau. This is extremely bothersome. They want me to miss a payment before they will help me? How is that helpful. It puts a stain on my account. Plus, who is to say they can even help me after I miss the payment? This is a situation where I needed to find out if someone could help me or if I will need to start calling all my family and friends to see if someone could help me make my payment. I needed help today, not when I am past due. This has truly upset me as I feel like they are giving poor advice and lacking in customer care.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Equifax has 4 accounts and will not remove them. I told them ID THEFT VICTIM AND they stated after numerous investigations they have proven accounts were mine and refuse to remove. However. One account is XXXX AND THE ADDRESS FOR THE COMPANY IS WRONG AND FALSE. ALSO I CONTACTED THEM AND THEY HAD NO RECORDS OF ME OR ADDRESS ACCOUNTS WERE LINKED TO. THEY EQUIFAX, XXXX, and XXXX are all ID FRAUD ACCOUNTS AND EQUIFAX refuses to REMOVE IT BECAUSE THEY STATED THEY VERIFIED THE 4 accounts were mine. I asked how they knew that. And all EQUIFAX STATED WAS THE INVESTIGATION IS ELECTRONIC AND ALL THE DEBT COLLECTORS HAVE TO GIVE THEM IS NAME DATE OF BIRTH AND LAST OF SOCIAL SECURITY. THESE ACCOUNTS HAVE BEEN DISPUTED OVER AND OVER AND STILL APPEAR ON MY CREDIT REPORT ALTHOUGH THEY ARE ID FRAUD. EQUIFAX XXXX AND XXXX ALL REFUSED TO REMOVE AND I CONTACTED ALL COMPANIES AND NOTIFIED THEM. AND ALL I GET IS ITS NOT MY ACCOUNT FROM THE CREDIT ACCOUNTS BUT ID THEFT HAPPENED AND NO ONE WILL REMOVE THEM! Please Help me
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MD)

Got a full time job in XXXX XXXX. Graduated in XXXX XXXX. Suddenly in XXXX XXXX, my payments increased from about {$200.00} a month to over {$700.00}. Tried to apply for a different repayment plan so that I can afford to live, but they told me I ca n't since my dad is a cosigner ( who definitely will not be making payments for me ). Operator then misled me into a Forbearance agreement so I could get a reprieve for XXXX payment. Also said I ca n't try and remove my dad as a cosigner so I can get a new repayment plan. When checking online, is shows me that I ca n't remove a cosigner if I 've been given Forbearance in the past 12 months. Now I 'm stuck paying over {$700.00} a month by myself.
Consumer complaint received 2015-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Negative info is about an account with XXXX which I never open never asked and never sign a contract with them and I never used their service. The amount is {$330.00} Second negative is about an utility bill for {$68.00} for a rental that I never received and I payed after I find this in my credit report.Ater the payment I ask the collection agency to change the info in the credit report and mention that was a mistake as a result of miscommunication. 
They refused.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

The Equifax team has not responded to letters and faxes regarding the incorrect and unauthorized inquiries in my report. Please have them remove since they are not mine. 

XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IL)

After reviewing my credit report, I contacted XXXX, Equifax and XXXX regarding XXXX reporting inaccurate information on my credit report. According to my recollection, it 's been more than 7 years since the account was paid. I requested all XXXX credit bureaus investigate the account and remove the outdated account. After XXXX, Equifax and XXXX refused to remove the accounts, claiming they have verified, I contacted XXXX on XXXX/XXXX/XXXX to request verification and documentation on the account. XXXX responded XXXX/XXXX/XXXX by simply stating the account was verified but did not provide me any of the account information that I requested. On XXXX/XXXX/XXXX, I contacted XXXX, Equifax and XXXX requesting a 3rd time that they properly investigate and verify the information on the account due to XXXX not being able to provide me with any information on the account or any records. XXXX/XXXX/XXXX the credit bureau responded the account was verified and did not provide me with their method of investigation as I requested.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

Equifax has multiple accounts showing on my credit report that have been included in bankruptcy. These accounts show to have been included in bankruptcy but still show balances, past due dates and negative pay history. They have refused to fix this mistake even though I have asked them to twice now.
Consumer complaint received 2016-08-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (NC)

We did a Deed in Lieu with Seterus, Inc in XXXX of this year. Since that time they have repeatedly altered the information reported to the credit agencies. First showing XXXX missed payments instead of the XXXX we actually missed. Following a complaint to the CFPB they removed that and a month later reported that we missed XXXX payments 6 months prior to Deed in Lieu when we had been paying on time. 
Seterus has also refused to provide a refund of ~ {$500.00} owed to us since 2012 when they mailed an escrow refund to us that was never delivered. I spent two years calling in and attempting to collect it only to be told I had to prove I did not cash the check in question.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IL)

In XXXX 2013, my attorney filed small claims case. It was agreed in front of judge and stipulated in order that " Entry of Judgment would be deferred so as long as I was not late on a payment more than 7 days. We both signed it and went our way. I have paid this attorney for last 2 yrs. I tried to get a home equity loan and was turned down, stating I had a XXXX judgment against me that should have never been in credit report. I want this removed. I have an order from the court dismissing this and I want it OFF my credit as the credit reporting agencies reported it in error.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC. (FL)

I have requested Equifax to remove the hard Inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQIFAX XXXX XXXX XXXX XXXX XXXX GA XXXX REF : XXXX Date:XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX - I did not even try to buy a car? 
XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX BANK XXXX, XXXX XXXX. EQUIFAX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX BANK XXXX XXXX, XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TN)

Filed a complaint with Equifax stating account with XXXX was included in 2010 Bankruptcy and to show account closed. Equifax can see my bankruptcy information because this is a public record included in my credit file. They still show account open. 
I filed this information last year and they still show this incorrect info in my file.
Consumer complaint received 2016-02-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (IN)

Ally Financial lease car returned XX/XX/XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. Ally representative informed me that my balance was {$0.00}. That day, I purchased a new lease through Ally 's sister company, XXXX XXXX, at same dealership. Today, XX/XX/XXXX, I am the primary signer on a new XX/XX/XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through Ally Financial.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, Since last year I have been actively monitoring my credit report for fraudulent activity and have signed up with XXXX XXXX, XXXX XXXX, and XXXX XXXX. I recently did some loan shopping but only with lenders that guaranteed a " soft pull '' on their website and was confirmed on the phone which guarantees the inquiry is not shared with others and has no effect on your credit score. Recently there have been some hard credit pulls on my file with Experian by companies who are subscribers of which I only recognize XXXX of them and the third is unknown to me. There is some serious lack of transparency by Experian and the agencies who promise and indicate " soft pulls '' and it then shows up as hard inquiry. This is misleading and Experian has shared responsibility in letting this happen since they are making money by supplying the information. I 'm fully aware of the regulations and terms of the FCRA federal regulations and a " soft pull '' that suddenly becomes a " hard pull '' without strict authorization does not contain permissible purpose. I do n't care who they are I demand the immediate removal of these hard inquiries. I have been misled and tricked into hard credit inquiries and hold Experian responsible. The analysts at Experian should develop a method or code which generates a text or email for verification of the hard pull. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I contacted the credit bureau  ( s ) a nd inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX    XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
Consumer complaint received 2016-07-05
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: RFNA, LP (KY)

Received a check for {$1200.00} from Republic Finance in XXXX, KY that, if signed and cashed, would enter me into a loan agreement with Republic at an APR of 41.03 %. The letter reads " let us help you with school expenses, '' but XXXX paragraphs later is advertised as " a pre-approved loan just in time for summer fun! '' The letter is signed from XXXX XXXX, Manager at Republic Finance at XXXX XXXX XXXX in XXXX, KY. I do n't know if this violates any specific consumer finance regulations - but it sure should!
Consumer complaint received 2015-07-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.
Consumer complaint received 2016-10-14
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc. (MA)

In 2008 I got behind on mortgage. After a long time XXXX XXXX foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. XXXX XXXX is coming after me for the difference.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ProCollect, Inc. (TX)

I mailed a certified letter to this company asking to provide my signature showing I applied for services. I received a copy of the contract terms back but 30 days letter this had not been updated on my credit report as verified so I mailed another letter stating that since this was NOT reported it had to be removed. I never received any info and it has been about 6 months and it 's still showing on my credit report after many many more letters that followed.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (AR)

The company has contacted me repeatedly to attempt to collect a debt that I do not owe. I tried to reason with these people and they continued to lie and harass me. The rental application ( which I can submit ) specifically states that unless you pay the application fee, your application would not be processed. No application = no deposit and no hold on a unit. However, after I relayed this information to ProCollect, they yelled at me and accused me of not paying my bills. I requested that they no longer contact me until they send me proof of the bill and they did neither. I am still awaiting proof til this day. All they have ever sent me was a invoice that was sent to them! That 's not proof of me agreeing to pay a deposit or being forced into a apartment I did not put a deposit in for either! My application fee was returned because I accidentally was {$.00} short of the {$35.00}. I called the representative I was in contact with immediately and let him know of the situation and that I would have to wait until I could come up with enough to pay it in cash. He said " okay. '' That was the end of that! 

Until 2016. This year they found me and harassed me. It has stopped me from getting an apartment that would 've helped me out a lot. I am disgusted with the representatives and the company 's response in general! I want them to remove the mark on my credit report and stop contacting me about {$230.00} that I do not owe!
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ProCollect, Inc. (WA)

I am continuing to get debt collection calls from a debt that, I was told, was paid in full in XXXX 2013. I have a paid in full letter, as well as an email conversation showing that I do not owe this debt anymore. That being said, 2.5 years later, I am still getting the phone calls and the debt is still showing on my credit report.
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: KEYCORP (VT)

I bank at Key bank. I have a checking account. The branch I signed up at is the XXXX XXXX XXXX branch in XXXX XXXX, VT. 
After freezing my account for a short time from around XX/XX/XXXX to XXXX, to investigate fraud, they contacted me and told me they were closing my account. I had deposited checks in good faith, that bounced. When I found out the checks bounced and my account was in the negative, I deposited money over the next 2 days to bring it back in the positive. Obviously this did not satisfy the bank, hence the ensuing freezing of my account and ultimate closing of it by the bank. 
While I am not happy about this, nor do I think it is fair and just, this is not really my big issue. My wife died XX/XX/XXXX, and she left behind our XXXX young girls. They are presently XXXX and XXXX. XXXX. We get SSI benefits because my wife died. I am their sole care provider and do not work due largely to focusing my time in raising them, I am XXXX years old. 
The social security payments arrive electronically in this account the second Wednesday of every month. I asked the bank to keep the account open until XX/XX/XXXX, XX/XX/2016, so I could receive the money from social security. I need it. My children and I live on this money. They refused. Now who knows when I will receive this money from social security. It may be another month. I do n't know. I am in New York right now and will be going to down to my local social security office next Monday when I get back to inform them of the change. But until then, I am anxious about my children 's welfare regarding finances and food. 
XXXX XXXX.