davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (MI)

Following the loss of my wife 's job in XXXX XXXX and failure of XXXX to renew the Federal Emergency Unemployment Act for XXXX, my wife and I applied for a modification on the mortgage of our single family residence in XXXX, MO in XXXX XXXX ( see hardship explanation attached ). Our servicer, Seterus, Inc. accepted us for a trial modification which we completed in the latter half of XXXX having made all payments within the stipulated timeframes. The first month we were due to start our permanent modification we noticed we could n't make payments online because Seterus portal referred to our modification as " Reviewing for Completeness '' and would n't let us progress to our mortgage account page. Upon calling customer service on XXXX occasions in late XXXX, we were advised since we paid XXXX of our trial payments in XXXX instalments that Seterus ' automated system had not processed our mortgage as permanently modified and our paperwork was required to be reviewed manually. We were told this explained the " Reviewing for Completeness '' dialog on the website ( screen grab attached ). We were told not to send any more payments as they would be held in a suspense account or returned to us and that the best way to proceed was, in the agent 's own words, to " jump start '' our modification by reapplying for another XXXX. We were told we were still subject to foreclosure at any time. Following this call, my wife and I decided it was not in our best interest to get caught in a cycle of applying and applying and we decided to wait on the outcome of the review of our original documentation. For the rest of XXXX and all of XXXX we received no further written correspondence in relation to our modification and Seterus website was unchanged displaying a dialog that our modification was still " Reviewing for Completeness '' and so in XXXX XXXX we sent them a fax requesting an update on the status of our modification, or completion of the modification, both within 30 days ( copy of fax and confirmation of receipt by Seterus FROM Seterus attached ). To date we have still not received any written correspondence from them except our monthly statement for XXXX showing 683 days past due in the amount of {$16000.00} including fees.
Consumer complaint received 2017-01-31
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC (FL)

I applied and received a loan from Castle Payday. After Castle Payday closed operations, apparently they transfer my obligation to a third party, Big Picture Loan. I continue paying to Big Picture Loans for almost 15 months, but XXXX day I received a call from another company, XXXX XXXX, claiming that Castle Payday transfer my debt to them and not to Big Picture Loan. After I received a letter from Big Picture Loan clarifying that indeed they were receiving my money by mistake and they ( Big Picture ) will refund me with a check for the total amount, I decided to pay my total debt to XXXX XXXX. That was 3 month ago. After that, Big Picture Loan never returned my money. Several calls from me to Big Picture have been for nothing. They said that the check was sent, I never received anything. I felt like my money was stolen by this company.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MT)

XXXX has sold a very old account ( I have not had XXXX in over 10 years ) to a collection agency called Enhanced Recovery Co. They have never contacted me but have put a collection account on my credit report ( no amount owed is indicated ) and when I call them and ask to speak to a Rep they hang up on me. I want this removed from my credit immediately! I do not owe XXXX XXXX any money. This collection just appeared on my credit report in the month of XXXX XXXX with an " open '' date of XXXX XXXX, XXXX. This is bogus and should not be on my credit report. Thank you!
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

After receiving and reviewing the results of a recent disputes sent to me, I am now requesting the method you used to verify certain items on the credit file You have refuse to Provide me with full documentation of your process, according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX The data you seem to be verifying has been sold to a dept. collector who has gone out of business, then purchased by another dept. collector who has purchased my personal information without my permission. I have no such of any kind of contract with this furnisher. I think that this is very appalling that you insist on reporting such derogatory and false information on my file. I am asking you to provide me with all documents to support this data. Your dates are not accurate, in question, nor or the amounts being reported. Please provide me in full detail, data that support this. I will pursue further actions in a timely matter against this derogatory data. Please delete this data immediately. I have nothing to do with that account. The furnisher has mailed me incorrect data with my information being wrong. My full name I will provide with this letter. 
As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. I appreciate your handling of this request in a timely manner. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Neon Newco Corporation (FL)

On XX/XX/2018 I received by mail an unsolicited XXXX XXXX from NETSPEND. It has my name, address and it's linked to an account number I never opened in XXXX. The attached letter said is ready for activation. This kind of aggressive marketing practice may be illegal I feel my privacy as a citizen is violated. Please, let them know I didn't ask for this card, close the account I never opened and stop sending any mail to me. 
Thanks
Consumer complaint received 2015-06-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TN)

Dental services were provided to XXXX of our children beginning in XX/XX/XXXX by XXXX XXXX XXXX. Primary and XXXX insurances paid their portion and we made copayments, some by check, some in cash. The dentist was arrested in XX/XX/XXXX in an unrelated case and subsequently had his licence to practice in our state suspended and then later, permanently revoked. His practice is now shut down. He sold a debt that he claimed we owed after his license suspension to a Capital Accounts , LLC of XXXX TN, which is a collection agency. The collection agency contacted us and we asked for validation of the debt as we have all of our insurance statements and did not believe we owe this debt. We never received verification. After making recent inquiries into our credit reports, my husband and I realized that the collection agency had been reporting this on our credit reports. Since we noticed this, we immediately filed disputes with XXXX online. We have since filed another dispute as they have not removed from our credit file. Due to this, we have been monitoring our credit regularly and have noticed that the collection agency has been steadily increasing the amount owed on our credit reports as though they are charging some type of interest, which is in violation of the FDCPA. Other than the phone call from them, we have never received XXXX piece of mail, or a bill, or any other type of validation from this company, and the only place we have viewed anything from them is on our credit reports. We dispute this debt in its entirety and wish to have it removed from our credit reports. We have also reported this violation to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

On XXXX XXXX, I submitted an online request to change my direct debit bank account. I was informed it would take up to 45 days to reflect on my account. I called back in XXXX and was told the new account would take place for my XXXX payment. 
I called back in XXXX, XXXX XXXX, and the rep ( # XXXX ) told me she had to email the direct deposit team and somebody would get back to me. Nobody got back to me, so I called again early the next week, around XXXX XXXX, and the rep told me to call back again later as no information was available yet. I called back yet again today, XXXX XXXX, and the rep XXXX # XXXX XXXX told me that the change would not take place until after my next payment. My payment date is the XXXX of every month. She suggested I call back on the XXXX ( my 5th call on this issue ) to confirm this change had taken place. 

This is unacceptable timeliness for what should be a simple change. This is the second issue I have had with AES, the first being when they changed my last name to reflect my mother 's new last name following her divorce ( say, my mother is XXXX XXXX and I am XXXX XXXX, when my mother got divorced and changed her name to XXXX Maidenname, they changed and FILED WITH THE IRS my name as XXXX Maidenname, and said they could do nothing to correct this. ) I have the impression they know they have consumers against a wall and just do not care because once you have your loan with them, you are stuck.
Consumer complaint received 2016-11-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: STERLING JEWELERS, INC. (NY)

I took out a loan for a ring that I purchased through the store and was making the proper payments on a monthly basis. I calculated how much I had owed and got it down to the last month. When I called in to the store I asked if it was the last payment and how much more I owed. I was told that everything was paid off and that nothing more would be owed. Months later I receive a phone call notifying me that I still owed {$7.00} from my previous account and due to the interest I now owed {$110.00} on top of that. I explained to the company that I had been told that my account was paid off when I last spoke to the store and they fixed the issue. They removed the interest that I owed and I settled the payment of the {$7.00} that I apparently owed despite being told previously that I had settled all payments months prior. However it is reflecting on my credit score now by dropping it XXXX points in one month.
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT CALLERS INC (CA)

I would like to ask for your assistance in this issue with my credit report which has had a collection reported that was allegedly resolved as the collection company stated in XXXX XXXX but another collection company has also picked up the account and began to report it also. Can there be XXXX of the same accounts being reported for the same amount owed. I believe that is the reason my XXXX went so far down from XXXX to XXXX. The problem with this entire account is that is was resolved by XXXX in XXXX when it had become an issue. The homeowner had hooked his RV up to the house for power and he was using the account in my name. XXXX XXXX was contacted and there was complaints filed and XXXX closed the case. I had and should still have an excellent payment status with XXXX because I had no late payments, and always paid on time. I found a receipt for a bill where I received XXXX in XXXX, Ca.XX/XX/XXXX
Consumer complaint received 2016-01-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION (NY)

I was volunteering overseas for several months, when I came back to the states I found that my account was past due. I contacted Sallie Mae inquiring about my repayment options, informing them that I 'm unemployed but trying to find money from relatives to help pay it off. I was also trying to help get access to my account online but they kept insisting that I have to talk to them and would n't help me access my account on the website so I could see my account information. As of this writing the representatives from Sallie Mae have told them there is no way to settle my account, and they did not help me get access to my account on the website. I feel as if they 're preventing me from accessing the information I need to make the best decision for paying my account off.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (CA)

XX/XX/2015Dear XXXX, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, Discover Card XXXX issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. Discover refused on XX/XX/2015 to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of XXXX. 
Since it is possible to have the normal and more secure raised numbers with the new chip XXXX ; I see no reason to accept either the XXXX or the discover card ; I think it is irresponsible to issue the flat credit cards that are more easily faked ; and can not be identified as real by a human being. 
I expect the CFPB to at least ask or direct XXXX and Discover to give customers or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use XXXX methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

XXXX were doing a loan modification on our home in which they told us they were going to do a dummy bankruptcy to stop the sale of our home. Unknowing to us it was n't a dummy bankruptcy because it is now on our credit. I filed a complaint with Consumer Finance about this company already. This company is located in XXXX XXXX XXXX and we are located in XXXX XXXX and from my now understanding they broke federal law in doing this. we would like for this public record to be removed from our credit report. They charged us {$4200.00} for a modification that we did not accept and {$1500.00} for a supposly dummy bankruptcy. XXXX scammed us out of {$5700.00} for services not rendered. My XXXX complaint with XXXX # XXXX was dismissed, I would like for you to please take a look at XXXX cases. This company is scamming people out of their money and should be held accountable.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

There is a hard inquiry on my report at Equifax by XXXX on XX/XX/2016. I did not apply for this. I disputed this inquiry and Equifax refused to remove the inquiry. i spoke with many customer services agents including a supervisor and i was told i can contact that XXXX. I explained that i will not call XXXX and give them any information about my persons over the phone due to the fax that i do n't have a relationship with them and do n't want one. I then asked the supervisor for the dispute process that determined my results he told me i was entitled to that. I asked him if they even reached out to XXXX to confirm they really received an application and he would not provide me with that information. Equifax took 48 hours to respond to my dispute and they did nothing to assist me. I want this inquiry deleted off my report now and however this inquiry effected my credit score to be fixed as well.
Consumer complaint received 2016-07-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

i ran my free credit reports XX/XX/2016. On my Equifax report, there are XXXX revolving charge accounts that do not belong to me but belong to my Mother ( same first name, different address, DOB, SSN ) for XXXX credit card and XXXX credit card. Also, Equifax is reporting me at an address that I have never been a resident of but is related to the XXXX credit cards that are not mine. I disputed all XXXX items and am waiting for response on the credit. To remove the address, the want a copy of my DL, a utility bill and a copy of my SSN card. I WILL NOT provide that information. Do they not check the SSN and DOB before putting items on consumers credit? I want the XXXX disputed items removed and they need to be more careful and check the information first.. Thank you
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I asked American Educational Services and US Department of Education for a sworn affidavit testifying to the validity of the purported " loan ''. The verification of an account requires " Confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Affidavit of truth of matters stated and object of verification is to assure good faith in averments or statements of party. '' ( XXXX XXXX XXXX, XXXX XXXX ). Both AES and US Dept of Education have failed to provide the affidavit to verify the alleged debt.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Consumers Inc (VA)

I incurred medical costs out of pocket of {$1300.00} to XXXX hospital XXXX of XXXX VA for XXXX XX/XX/XXXX. I paid without missing about {$100.00} per month and the balance was down to {$260.00} by XX/XX/XXXX when monthly billing by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. suddenly stopped coming. I had to fight to get subsequent monthly billings with the return envelop since XX/XX/XXXX. Now the bill is down to {$65.00} and XXXX has forwarded this debt to United Consumers , Inc. ( UCI ). 

I explained to a rep at UCI identifying himself as " XXXX '' that I simply need a final billing statement with the {$65.00} outstanding balance and I can send them the money and close this debt but UCI over the past 2 months have been promising to send this but have not. I suspect that they 're trying to obtain attorney and collection penalties from me some time soon when I have not been negligent and have been trying to close this debt if only they will stop playing games and send me the final bill and return envelop immediately. 

This is all I ask so that they ca n't scam me with anything down the line in terms of late penalties, interest, or attorney fees on this {$65.00} debt. There 's also been some misrepresentations on the origins of this bill and the amount which I wo n't bother going into. But I will say that there 's been some finger pointing and blaming at each other when I 've contacted XXXX hospital, the initial claimant, XXXX and UCI. The account number in question is for Acct. # XXXX for XXXX and XXXX and # XXXX for UCI. 

Thanks
Consumer complaint received 2017-01-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

I sent a check to pay off the debt for about XXXX . The money was even cleared from my bank account shortly after I sent the check and I am still being charged. It 's only a {$32.00} debt, if I had n't already paid it then it would not be an issue. However I already took care of this payment.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (PA)

On XX/XX/2015, I filed an dispute with Equifax and advised Equifax that voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX, XXXX and XXXX were currently reporting in my credit file. More importantly, I advised Equifax that their is not any clear language in the statue that states voluntarily dismissed chapter XXXX bankruptcies should be included in a consumer credit file and to delete the voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX and supply me with and updated credit report. I advised Equifax my mailing address is XXXX XXXX XXXX Detention Center ( MDC ) XXXX XXXX XXXX, XXXX, NY XXXX. I never received an response from Equifax. Subsequently, I filed a second dispute with Equifax on XX/XX/2015, and advised Equifax that they never responded to my dispute dated XXXX, and it has pass the allotted time for disputes and they are in violation of the FCRA, and the XXXX voluntarily dismissed chapter XXXX bankruptcies with docket # XXXX,XXXX and XXXX should be immediately deleted off my credit file, and to provide me with an updated credit report. Furthermore, I advised Equifax that my mailing address is XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, NY XXXX. I never received an response from Equifax.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

XXXX. These accounts has been removed from my credit report : XXXX File # XXXX, Investigation Date XX/XX/2015, From the Company XXXX XXXX : Amounts {$480.00}, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have already called the Company who send the accounts to collections, FL. Hospital. They said that once they send the accounts to collections they have nothing to do with the accounts anymore. I have disputed these same accounts 3 times from XXXX different companies and they were removed, now these same accounts is on my credit report again from a different company ( XXXX XXXX XXXX XXXX ). THIS HAS TO STOP. I ca n't move forward to improve my credit untill this matter is over with. PLEASE STOP THESE ACCOUNTS FROM CONTINUING TO COME ON MY CREDIT AGAIN. All of these accounts has been removed. THANK YOU XXXX XXXX.