davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

Dealing with SunTrust Mortgage has been a nightmare and it just continues on long after closing. During application process I encountered the following : 1. lost documents they claimed held up processing when docs had been there for wks. 
2. claimed had converted to new system and all staff not trained to do both so that was reason for constant delay ; got preapproval at 30 day mark and then barely made closing. I had been told entire process would be 2 to 3 weeks 3. at closing failed to send a HUD doc that had been requested the week prior ; then failed to wire the closing money to pay seller, etc. Delayed closing for 1.5 hours. and when monies arrived were {$500.00} short 4. failed to enter my autodraft and then when I changed to new bank clerk failed to key in my account number correctly causing more delays. 
5. had to send in money to escrow and was given wrong address ; further delay & calls 6. sent in money to escrow with coupon for this years ' increase and they did n't record it in to my account until I called. I got email telling me I would have higher payment and then after calling twice more to get it straight got an email telling me mortgage payment for XXXX 2016 would be double what should have been ; when I called corporate ( XXXX ) told me told me to simply disregard it as it was an error yet no rebuttal email arrived. 
7. I have filed numerous complaints with conflict resolution ( attaching some ) and nothing ever really changes. However, after several they sent me a check for about {$1300.00} saying their post closing review determined they overcharged me. I doubt if that would have happened had I not been complaining. 
8. I could give numerous examples of minor problems and large ones through the past months but there is n't enough space ... ..everything they touch they XXXX. I have begged to have my mortgage sold. If they are this incompetent on all levels it makes XXXX wonder how efficiently they do all things. Maleficence comes to mind on at least two occasions.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Evaluate this reporting by making a revision of the information provided, The XXXX Credit Bureau is reporting current status to be Bad debt/Collection Please re-investigate this account and change the status to Paid or simply " Remove '' the account. The Bureau statuses are damaging to my report, which would not be happening if they investigated properly before posting derogatory information.
Consumer complaint received 2015-11-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (CA)

I open a discover online saving account on XXXX ,2015 using the code " XXXX '' which will give me {$100.00} bonus within 1 month After I open a new saving account and deposit {$5000.00} before XXXX/XXXX/2015. I 've met all the requirement by XXXX/XXXX/2015 and wait for XXXX fully month but tthe bank customer service just want me wait another 4 week and they are still not sure whether I can get the bonus or not. I have already save the whole website during application.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

XXXX XXXX, the CEO of Discover directly discriminated against me for usage in good faith and enforcement of my rights by closing my accounts after a failed billing error dispute in which XXXX XXXX XXXX, did not proceed with a proper investigation, after questioning the accounting information and the interest that was accumilated during my accounts in good standing, after his facility losing several of my payment instruments, after requesting the security information and bond serial numbers, after requesting my portion of the interest XXXX XXXX XXXX, collected by selling my information to third parties and lending out my illegally and corceced finance charge I was led to believe I had to make in order to obtain credit, my accounts were closed and my rights to credit violated, my payments blocked and lost. Many disclosures were not provided such as the form to right to reccession, and many others. XXXX XXXX XXXX refuses to remove inaccurate reportings on my consumer report which is now considered libel and slander thus he directly has defamed my character and consumer profile. XXXX XXXX XXXX, has caused me direct harm and injury and that to my family as well, such as mental anguish, XXXX, defamation. emotional distress, financial harm, etc. In the CFPB publishing credit reporting is VOLUNTARY under chap 3.1.1 and XXXX XXXX., outright refused me my right to this voulntary system. I was unaware of many things such as the rates for cash advance at a store counter, XXXX, and the atm which are all very different. I have revoked the right for Discover to furnish anything on my consumer reports and have requested the tradelines removed over three times, with each tine ending in denial and violation of my rights. I have requested the 1099C since a charge off by the IRS definiton is actually INCOME which is 100 % ILLEGAL and unlawful to report on a consumer report again with harsh denial. I have been notified this company has been submitting 1099 A, B, and C 's behind my back without proper disclosures to me and on my behalf without ackowledgement using electronic signatures in lieu of my actual signatures thus committing fraud however although they dio not deny it and some have admitted it then blocked my access to my account, they refuse to allow me to review them. I have sent them UCC 9-210 request with definitions and instead of showing me the books and numbers to see how much money they have made off me they send me account summaries of my spending. I am sadden, embarressed and fustrated. I only want the truth and to stop being taken advtange of. I am the orginal creditor since my signature created the credit out of thin air and they have my social security card and number of it which is the orginal credit card according to federal laws 15 usc 1602 et seq.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (FL)

ECMC has continued to file a wage attachment for a debt that was supposed to be cancelled and refunded XX/XX/XXXX. Now these collection tactics are harassment under the law. ECMC refunded me payments garnished in XX/XX/XXXX yet reactivated the garnishment, in XX/XX/XXXX so the 25 year timeline also makes this debt a violation of federal law. Further to prove my claim, they clearly stated that I withdrew from the school in under 6 weeks but the school did not refund me the money or cancel the loan properly. They further sent me a loan discharge form and stopped the collections and REFUNDED me XXXX out of the XXXX garnished. More importantly they claimed all notices mailed to me was to an old address and not the one i submitted to them in XX/XX/XXXX all this to justify this recent garnishment started in XX/XX/XXXX. But they resold the debt to another agency and started collections for a debt they know was not refunded and separation from the school, they do this all without any penalties so the harassment continues and the consumer protection laws are ignored. So, in XX/XX/XXXX and had updated current address and failed to notify properly, again proving that ECMC is attempting to collect a debt they are aware is in error and is not following proper notifications provided by the consumer protections laws. ECMC and XXXX XXXX have both illegally and unethically attempted to profit off me as the result. They have refunded XXXX % of money collected though a wage garnishment proving that they are aware of their internal errors and yet started the process all over again. I demand the cancellation of this loan by enforcing the documents to provided to CFPB, proving i separated from this school. 
I demand the release of this debt now that the time limits have expired by federal law over 20 years uncollected, in error and behind my back. I demand the wage garnishment stopped and settled for the third time in two years due to non compliance on the debt collections laws and the fact that i ( as a child ) followed the withdrawal of the school and never got a refund for the balance of the loan. Note the school was a XXXX school for a 12 month term - had no computers for us to learn on, and no books for us to keep -- so logically i properly withdrew and cancelled but full refund was due!! the paperwork was submitted to ECMC cancelling the loan but yet the garnishment is reopened as of today XX/XX/XXXX for the reason : the school is still opened, ( not an unpaid refund ) when this is totally incorrect, there is not a " XXXX XXXX school '' active or open in the state of New jersey. This is harassment, illegal and unfair causing financial hardship. Either they forward me the money paid to a school I withdrew from, they acknowledge that the lose claim due to 25 year rule for student loans and/or the cancel the loan due to refund was not paid. These companies should be ran out of business and sanctioned.
Consumer complaint received 2015-06-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica (CA)

I receive my social security pension funds through Direct Express debitcard. They deactivated my card about the XXXX of XXXX. They said thatthere was suspicious activity, however, I can not see anything suspicious on myon my XXXX statement. I have contacted them numerous times and havecomplied with their requests for proof of identification. After severaltries, they now say that they have not received my last fax. I haveconfirmation that have received my fax. 
andnow I must start over with new faxes
Consumer complaint received 2015-07-22
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Comerica (FL)

My original mortgage was taken out in XX/XX/XXXX, and my former financial advisor " XXXX XXXX XXXX '' refinanced it XX/XX/XXXX in his home town of XXXX & proceeded to do XXXX refinance ) my mortgage 6-7 more times by using the " MERS '' system & " HECM '' I have been a resident XXXX since XX/XX/XXXX.He took my condo out of homestead status & lited it as an investment loan/property by forging my name
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Other fee — 
Company: Comerica (IA)

I have had a Direct Express Debit Card for several years. I get my SSI electronically transferred to this card on the XXXX of each month and my XXXX transferred to this card on the XXXX of each month. On XXXX/XXXX/2016 my first card expired. Before my first card expired, I was sent a " Dummy '' replacement card from Direct Express. When I tried to activate the new " Dummy '' card about XXXX on XXXX/XXXX/2016, I was told by a Direct Express Representative that she could n't activate the card and it must be a " glitch '' in their system. She said she would send me a replacement card without charge and it would take 5-7 business days, but if I wanted my Direct Express Debit Card in two days there would be a Express Shipping Charge of {$15.00}. She went on to say that once I received the card I should n't have a problem getting a credit for the {$15.00} Express Shipping Charge since the first replacement card that was sent to me could n't be activated. On XXXX/XXXX/2016 I called Direct Express Credit Card Services to check the status of my replacement. I was told that a request for a replacement debit card had not been submitted. A man told me he would submit a request for a replacement card for me, but there is a {$15.00} charge for Express Shipping. By this time my SSI was two days late, the reason was that I had received a " Dummy '' Direct Express Debit Card that could not be activated in their system. After speaking to a Direct Express Representative the second time, I called within two hours and my second replacement card was in the process of being shipped. Direct Express took {$15.00} from my account to pay for the shipping of my second card. I was and am still angry that I had to pay a shipping charge. I have spoke to many Direct Express Representatives and am told that the charge of {$15.00} Express Shipping was a valid charge to my card. I should not have been sent a " Dummy '' Direct Express Debit Card that could n't be activated because of a " glitch '' in their system. I should n't have had to pay for shipping at all. The " glitch '' was their problem. I had to wait at least until XXXX/XXXX/2016 to receive my SSI/XXXX Benefits because of Direct Express Debit Card Services " GLITCH. ''
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company (MT)

For the past 6 years we have had an active mortgage loan with Guild mortgage. We had set up agreements with them regarding making monthly payments and another 1/2 a payment. They continue to state that they did not set this agreement now that it has come to our attention due to putting the house up for sale that they were not indeed applying this money but taking the payment and keeping the other 1/2 a payment in an undisclosed account. This year with graduation as a XXXX we elected to just go back to making monthly payments well we did not relize that over time each payment was slightly short a few dolars or cents. Instead of notifying us of this even though we were calling and physically talking to an employee working at Guild that was giving us the amount to pay they would just put the money in an " undisclosed account '' and repeatedly reported us to the credit bureau. When it came time for the final payoff as we are in the process of selling I received a payoff statement with all this reported late charges etc. No phone call nothing and we then received our credit report. I become XXXX when I saw what had been repeatedly reported as being late of payments. I called to discuss this matter and have continued to get the run around. I have received letters stating they would perform a correction with the noted credit reporting which has not happened. We are now being denied for a home loan because of what they have done to our credit. In 6 years I have paid every dollar and have worked for every XXXX. I feel as though they are destroying my life literally and when I tried to explain the current situation the loan individual literally laughed. I feel trapped and they stated they are in control which is more than clear at this point. I want the reported mistakes acutally taken off so I can more on with my life.
Consumer complaint received 2015-11-22
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (OH)

My daughter has a small student loan for which she selected to pay the interest as she moves through school. I am the co-signer. She forgot and fell behind 30 days. Sallie Mae called my cell phone on XXXX, XXXX XXXX, 2015, XXXX times, my home phone XXXX times, my daughter 's cell phone XXXX times. All were robo-calls asking to be called back between the hours of XXXX and XXXX Monday to Friday. We had already made the payment the day before, but there was no way to stop these phone calls.
Consumer complaint received 2022-08-25
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. (GA)

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (AZ)

After having XXXX removed from my XXXX with a doctor flown in from XXXX to XXXX my insurance paid for the procedure. It was a couple of weeks I went back in for a check up, and the local Doctor saw a XXXX on my forehead, he froze it and could n't make up his mind which XXXX it was. He tried to say it was the same one " XXXX '' but it was not. I later get a bill from him which my insurance refused to pay. He is a quack and tried to charge me for something that was untrue. I refuse to pay for a bogus charge.
Consumer complaint received 2016-05-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (GA)

The VW company does not provide a set date for payment. They change the date monthly on due date. I thought my payment was due on the XXXX of each month. I paid it 29 days late I thought so it would not affect my credit. I was told later, oh it was XX/XX/XXXX. 
this is not something people have time to do check monthly payment dates. 
they dinked my credit, even though they didnt have to. they do this in order to jack up the rate per month on your credit and to stop you from buying a car, making it difficult.
Consumer complaint received 2016-02-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: DISCOVER BANK (OH)

In XXXX of 2015, Discover Bank 's customer service person advised me by phone that, following 3 different months of writing more than XXXX checks/month on my money market checking account, I had reached the limit, and that a XXXX month would cause this account to be closed. This message was confirmed in a D. B. letter dated XXXX, which I received in early XXXX. I then wrote XXXX checks, including XXXX to the IRS for XXXX XXXX estimated tax payment due XXXX. 

However, on XXXX, I learned that this account had been closed XXXX when D.B. sent me a check for $ XXXX. The consequences of D.B. 's actions were : fees for returned checks from the closed account ( including XXXX for {$270.00} by the IRS ) ; stress caused by D.B. 's NOT advising me that the account was being closed on XXXX ; desperate attempts were required to provide funds for other checks, even though the money market account funds were sufficient ; even though I was told that a XXXX month of XXXX checks would trigger a closing, I lost control of my personal finances unnecessarily. 

The injustice of this is obvious to me, especially because I also have a regular checking account with D.B., into which D.B. could have transferred the $ $ before closing the money market account. This I could have arranged, if I had known before the closing that it would happen. The financial penalties ( exceeding {$300.00} ), plus the aggravation when several checks were returned for insufficient funds that were totally unnecessary should be borne by D.B. I have kept records of the transactions named above until this matter is resolved to my satisfaction.
Consumer complaint received 2016-05-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (OH)

GLOBAL RECEIVABLES SOLUTIONS XXXX have a a unverified account from. I had previously disputed this account. I have never done business with GLOBAL RECEIVABLES SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt GLOBAL RECEIVABLES SOLUTIONS purport I owe. I request that GLOBAL RECEIVABLES SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that GLOBAL RECEIVABLES SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Consumer complaint received 2015-07-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CarMax, Inc. (MD)

I 've never liked the vehicle I purchased from carmax. Unfortunately, when I bought the car I was working close to XXXX hour weeks, so I did n't have time to return it within the time allotment. 

In XXXX, I went to return the vehicle and they were going to allow me to return it if I paid an {$80.00} fee. Now, they are allowing me to return it, but the new balance has increased to {$1500.00}. 

I 've been in and out of the hospital for the past XXXX months. I want to return the vehicle but I 'm afraid they are just going to screw me out of even more money if I surrender it instead of return it. 

I 've been disappointed in carmax for a while, but I do n't know how else to resolve the problem. I ca n't pay for the car or the upkeep or the insurance, and I do n't have money to file for bankruptcy ... which would be the only real option for me at this point. 

My debt is already uncontrollable. 

Please help me. 

Thank You,
Consumer complaint received 2016-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (WI)

I continue making extra payments and they keep applying to interest on loan. 
I feel Great Lakes is a predatory loan company. 
At this pace I will never get out from under my student loans. I keep sending money and my balance only grows despite me paying more then the minimum.