davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: ERC (FL)

Got a letter in the mail said I owed XXXX XXXX XXXX. In XXXX not my home in Florida. Called them and they said they wanted additional personal information such as a copy of my driver 's license and electric bill. I thought this unwise and told them so. They proceed to tell me if I do n't give it to them they will keep calling, affect my credit rating and maybe take me to court. The entire approach is guilty until you prove yourself innocent. Since I have never been to XXXX, never rented an apartment in XXXX, and never asked for XXXX XXXX to be installed anywhere at anytime and could prove it I felt intimidated by their call. I made a personal trip to their office but they were unable to tell me when this transaction occurred. I have sent them XXXX letters explaining my life over the last 30 years but not providing them any other personal information. I have filed an FTC report and put a fraud alert on my credit reports.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (WI)

I previously had XXXX XXXX XXXX as my mortgage company but in 2015 after losing or misdirecting my 'pay in advance ' monthly payments - I asked permission to pay in advance and credited to payments and NOT principal. However, again they continued to misdirect or lose payments and actually put my house in foreclosure even that I was paid in advance by 2 or 3 months! Then to stop the ( BOGUS ) foreclosure I not only sent the excessive amount to stop the foreclosure- I had to send it TWICE because they credited the money to someone elses account! Now the new company Seterus continues to harass me with bogus charges for over {$1600.00} because they claim I dont have insurance on my house! I called my insurance company even sent them bills and they continue the harassment of either raising my monthly payments, not giving me credit for the monthly preprepayments and cashing XXXX checks they are n't entitled to to stop a foreclosure that is n't even valid because I paid months in advance my mortgage. I call XXXX, write and nothing is corrected and its cost me over {$5000.00}. just to Attempt TO STRAIGHTEN THINGS OUT - BUT ALL THEIR RESPONSE CLAIMS THEY DID NO WRONG AND THAT I SHOULD OF ASKED FOR PERMISSION ( WHICH I DID XXXX 2015 ) TO MAKE PREPAYMENTS TO MY MORTGAGE MONTHS IN ADVANCE )
Consumer complaint received 2016-06-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I was contacted by a person named XXXX XXXX who said he was a locator for a company and needed to verify my information so that he could serve me with paperwork for a possible claim being brought against me. When I informed him I had no idea what he was talking about he provided me with a claim # XXXX and the phone number XXXX of a company that he says he did n't know the name of because he claims to only received sealed packages. Said I needed to speak with them within 30 mins or he would be calling me back. XXXX called from ( XXXX ) XXXX and called 3 times in a row each time I did n't answer, so he called me 7 times including today ans has left me 2 messages. When I called the company ( XXXX XXXX XXXX ) that sent him, they informed me that I owed them because they bought a debt from Ace Cash. I asked for backup documentation and he told me that I was well aware of the laws about not meeting my obligations and there was nothing else he could do for me and would notate i was unwilling to resolve this voluntarily. I asked again for documentation that I owe his company money and that the law requires him to provide it to me so I can review. He informed me that my stall tactics would n't work and that would proceed with whatever avenue they have. He claimed the person calling me did n't work for his company and was a locator hired to serve me documents. After XXXX XXXX called me this morning, I sent him a text messages informing him that he was harassing me, he company refused to provide valid documentation and that I was reporting his number to your office.
Consumer complaint received 2020-10-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6300.00}, {$4000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

I reviewed a copy of my credit report last summer and XXXX XXXX of XXXX was allowed by Equifax to access my credit in the form of a hard inquiry without my permission on XXXX/XXXX/2016. 

I was not aware of, nor did I ever authorize such action in written or verbal form in XXXX, as I purchased my car in XXXX of 2016. Also, my car is not financed through XXXX XXXX of XXXX. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

I contacted XXXX XXXX of XXXX who conducted the inquiry immediately after noticing the issue in XXXX of 2016 and asked them to remove the latest credit inquiry from my credit profile, as they had no permissible purpose to access my credit. XXXX XXXX the General Sales Manager agreed to have the inquiry removed, but is now unresponsive to several calls and voicemails. I have also asked my State 's Attorney 's office to investigate this company as this it 's clear that this company as well as Equifax is violating federal law with no regard for consumers. 

I am disputing this item that needs to be deleted and I am requesting an updated copy of my credit report, which should be sent to the address listed in this complaint.
Consumer complaint received 2016-08-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I received a letter from XXXX XXXX ( reference # XXXX ) indicating I was denied for an XXXX that I did not apply for ( denial letter attached ). This inquiry is on my credit file as well. Please investigate the authorization of this inquiry and forward findings to my attention at my mailing address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Not only is my concern that I did not authorize this inquiry but that that this inquiry used my employer 's mailing address. 
Your prompt attention is appreciated.
Consumer complaint received 2015-10-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

For the past four XXXX 4 XXXX years I have disputed some erroneous information on my credit report XXXX. I have never had any utilities in my name, and I have contacted XXXX numerous times to have the item removed. They have never provided any information that has verified this to be my account. Once I even inquired about paying it, just to have it removed from my credit file. I need to resolve this matter.
Consumer complaint received 2017-01-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX bill for XXXX This is a medical claim that I have submitted a affadavit to the fact I never received treatment from this doctor and requested documented paperwork showing that it was me, furthermore it was a case of fraud someone using my identity on a 5 year dr bill
Consumer complaint received 2017-01-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (FL)

You and they have multiple reports on file concerning the continued abuse of the LAW. Businesses continue to respond to inquiries even though there is and has been fraud alerts on the file. Also even though they have been advised I do not want queries they resist and say tough! To date I have been advised I have over XXXX inquiries on my account!! All of this has caused me sever financial harm! My credit score is lower by a major number increasing my loan rates and terms! What good is the faade of a LAW?
Consumer complaint received 2016-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (ND)

I have made Equifax aware that my Identity was Stolen. I have also gave them my Drivers license and Social so they could verify my information since i put on a fraud alert. Over a year ago in 2015 I had disputed student loans that are on my account. The Creditors verified that they had improperly put student loans on my account and agreed to remove them since the account did n't belong to me. The Creditor sold the account to another party after they made Equifax aware that they did in fact damaged my credit with reporting improper information. This creditor still however was allowed to have this account reported on my credit report. It 's really affecting my life. Being a mother of XXXX the last thing I want is someone else to be able to damage my credit. I 've been XXXX because of this. This creditor has XXXX different accounts on my credit report. Equifax has allowed this company to fraudulently keep reporting incorrect information on my credit report. It 's damaging me. They are aware that I am homeless and trying to purchase a home for my kids. I ca n't do that with someone else robbing my family of that. I need Equifax to take this matter serious. How can they know that XXXX student loan was fraud which the company told them that and allow them to keep reporting incorrect information on my credit report. All of any information that was related to that account should 've been removed. By law they ca n't legally keep reporting fraudulent information on my credit report.
Consumer complaint received 2016-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

My Equifax credit report is substantially different from XXXX and XXXX reports, specifically there is a XXXX ( XXXX ) and XXXX ( XXXX ) point difference between this XXXX report and the other XXXX. I have tried to resolve this discrepancy with Equifax to no avail. I realize that differences will exist between the reports but I believe that this discrepancy is egregious and is having a horrible effect on my life.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Last year I had 2 incidents of identity theft resulting in hard inquiries from both XXXX XXXX XXXX and XXXX. XXXX XXXX XXXX was XX/XX/XXXX, while XXXX was XX/XX/XXXX. I have worked with both companies and both have repeatedly sent information to Equifax to have the inquiries removed. Both have sent me letters, which I have sent to Equifax. When I have spoken with the companies I have been told it could take 90 days to have the inquiry removed. I have waited those 90 days 3 times without results from Equifax. My first contact with XXXX XXXX XXXX was on XX/XX/XXXX, again in XX/XX/XXXX, and again on XX/XX/XXXX. During my last contact with XXXX I was told they would escalate the matter and to wait 30 days. That was on XX/XX/XXXX, but the hard inquiry remains. I have twice disputed it personally with Equifax, with supporting letters from XXXX XXXX XXXX and XXXX. Equifax keeps responding they do not remove hard inquiries based on individual disputes. I have called Equifax with the same refusal for any resolution. I have also filed a police report regarding the matter.
Consumer complaint received 2016-08-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CT)

When I was XXXX I was pressured by my parents to find a college and attend it. I found a college and we took out a student loan, the whole year cost me about {$20000.00} of private loans and {$9000.00} of federal loans. I did not go back my second year because my dad ( my consigner ) would not sign for another loan ... .so now can I not only attend college because I have no money, but now I have to pay back {$29000.00} of loans at only XXXX years old. I am now married and have XXXX kid and I am working part time making only {$.00} over minimum wage because I do n't have a degree to get a better job or have the money to put my son in daycare to work full time. I just do n't see an end to this money struggle and I ca n't get my loan payments lowered because of being married. i am the only one paying off my loans right now and I should n't have almost {$0.00} at the end of the month trying to help support my family and pay these astronomical student loans. My recommendation - do n't go to college unless it 's free or you KNOW you can get an amazing job to help you pay your loans right when you get out.
Consumer complaint received 2016-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I make a {$200.00} XXXX XXXX payment monthly. It is in excess of my required monthly payment. Therefore, I am currently due for XX/XX/XXXX. My employer introduced a new benefit for student loan pay downs. My employer will be sending {$120.00} extra a monthly on my behalf to my servicer, FedLoan Servicing. The payment from my employer through XXXX, sent instructions to apply the payment as principal only. The intention is to pay my loan after faster by applying the payment to principal only - not interest. My payment was applied XX/XX/XXXX. I called XX/XX/XXXX regarding the payments application because it was applied towards interest and principal. I explained that there was a letter accompanying my paperwork explaining it should be applied as PRINCIPAL ONLY. I was told by XXXX XXXX, and XXXX XXXX that it is not possible to make a principal only payment towards your loans and they refused to make it a principal only payment. Both employees stated that FedLoan servicing only applies payments in that manner and they will not apply any payment to principal only, regardless of payment status. Mind you I am due for XX/XX/XXXX - all other loans I have, will allow a principal only payment as long as you are current on your payments. I am making a good faith effort to pay my loans, on time, in addition to paying about {$140.00} extra/month, yet my student loan servicer is making it more difficult for me to get out of debt by refusing to allow people to pay principal only. Creating additional profit at the expense of individuals attempting to rid themselves of debt. I would just like to be able to apply my future {$120.00} payments towards principal only.
Consumer complaint received 2015-04-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (FL)

Since XXXX XXXX, XX/XX/2015, I have unsuccessfully attempted to have an electronic lien removed from a Florida electronic title. Sun Trust Bank has submitted written title releases, but refuses to remove the lien electronically. Due to its failure to do so, I can not obtain a paper title.
Consumer complaint received 2016-03-01
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERICAN ADVISORS GROUP (OH)

On or about XX/XX/2016 I called AAG about a reverse mortgage we went through the steps needed and the-the appraisal. On XX/XX/XXXX when we received the appraisal, a XXXX XXXX XXXX XXXX Processor we talked to and was told about things on my credit report ( In which I took care of. ) XXXX repair. And we told her about how the appraisal was not correct with the low appraisal. 1.we have XXXX bathrooms that it showed in the pictures he snapped, but he reported only XXXX bathrooms. none of the lower compared homes looked like mine ( mine sits on a lot and a half and have the new walkway from the driveway to the enclosed back sunroom, no walkway was there before. a drive way, sidewalk and new poured front door walk. ) XXXX new sheds.extra large rooms in my home. After I submitted the repair to XXXX,. on the XX/XX/2016, I heard nothing back from her. I emailed and called and no response.XXXX XXXX The loan office is also difficult to reach.So we contacted XXXX XXXX the complaint person. After he contacted them XXXX would return calls. The again no responses. Last week I called to see what was going on XXXX never responded, so we called XXXX and we were told they needed an explanation on the credit report late payments. ( If we had n't Called I would n't have known anything about it. ) Those things were either not mine or corrected by the Credit Bureau in which I submitted to the XXXX and nonresponding XXXX..I asked again about the appraisal being taken care of, ad XXXX told me that was XXXX department. No response from her so Friday XX/XX/XXXX we contacted XXXX XXXX again, and he told us we will here from him by the end of the day. We did not. XXXX called with an attitude mad because we contacted XXXX, He started taking up for XXXX asking us in a smart way She never contacted you back, you never heard back from her? we told him then and before that she never responds. I called back and asked for XXXX manager and a recording we received, and I told her how XXXX was acting an ask for an apology. XX/XX/2016 Nothing yet. So I called XXXX XXXX ( The people who handle the appraisals ) I spoke to XXXX and was informed that he had not received nor heard anything from XXXX XXXX XXXX about the appraisal not being correct, And they are the ones whos suppose to contact them about this, and he will email XXXX about this concern. So from XXXX When we received and told XXXX about this, it was never taken care of nor sent back for correction.
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (CO)

I have been waiting for ACS Education ( " ACS '' ) to provide a certified payoff to my new lender for over 9 months. However, ACS is refusing to do so. 

ACS currently services XXXX of my student loans. In approximately XXXX 2016, I submitted an application for a federal consolidation loan with XXXX XXXX. This was approved and all of my student loans were paid off with the exception of the loans serviced by ACS. XXXX XXXX informed me that it had requested an up-to-date certified payoff amount from ACS but was told that ACS could not provide this information due to an accounting issue. 

At XXXX XXXX ' request, I called ACS to ask about how we could clear this issue up. I was informed that ACS needed to recalculate my principal, interest, and payments to ensure they were giving XXXX XXXX an accurate and certified payoff. I was informed that this process was completed by a separate ACS department and that they did not know how long it would take. I asked to speak with someone connected to that department and they refused. For over 9 months now, I have been waiting for ACS to complete this " adjustment '' calculation and provide the payoff to XXXX XXXX so that my federal consolidation can be completed. The only information I receive is from an ACS customer service manager on a semi-weekly basis. This manager simply informs me that, " this matter is still pending and I have no updates for you. '' In the meantime, interest is still accumulating on this account and ACS is still being paid to service it. Due to the types of loans, these accounts do not qualify for certain IBR plans which was the main reason for my consolidation into XXXX federal loan. This has placed an extreme hardship on me and my family and I am considering bringing a formal action in state or federal court against ACS.
Consumer complaint received 2016-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

This my 3 time writing to the CFP about AES ( American Education Success Service ) reporting to the credit bureaus concerning my student loan. I have sent documents to support the fact that AES does not the right to report to the credit bureaus concerning my student loans and that this entry should have been deleted. But the credit bureaus refuse to delete this entry also. My loans were consolidated XX/XX/XXXX, I have XXXX loans, when AES was first listed as servicer. In XX/XX/XXXX, I went into bankruptcy until about XXXX and my loan was no longer listed under AES, as servicer. Since, I have disputing this negative entry on my report for about 2 years. Now, AES has changed the name on my credit report to XXXX XXXX XXXX, AES HAS NOT SERVICE ANY OF MY thing SINCE XX/XX/XXXX, THIS IS NOT LEGAL. STATUE OF LIMITATION IS OUT. They can not continue to hijack my account like that. This entry needs to be deleted immediately. I will not stop until something is done about removing this entry altogether from my report. Something needs to be done about them with this negative entry. They refuse to remove this negative entry from my report. XXXX was responsible for my loan since XX/XX/XXXX, because my loans was listed on my bankruptcy, I was still in a grace period in XX/XX/XXXX but after that my loans were in default but not with AES, it was with XXXX. So, I do n't know why they are feel so obligated to continue with my loans. The government paid them at the time for my loans.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust closed my checking account, due to inactivity, without informing me, and has sent the {$5000.00} to state of Virginia. After dozens of calls and visits to bank, including escalation, no one is helping me get my funds. The label " inactivity '' is incorrect because the checking account has a monthly direct debit to pay a Suntrust 2nd mortgage for the last 5 years. The only reason I ever set up the checking account was because they reduced my 2nd mortgage interest rate by .25 % for arranging the account and auto payment.