davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (VA)

In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (VA)

We accept debit/credit cards for goods and services. Normally, we process the transaction and settle the batch with Chase Paymentech. The funds are then deposited into our XXXX checking account by Chase Paymentech. 
We had our bank acct info stolen XX/XX/XXXX. I immediately closed the XXXX checking account and opened a new XXXX checking account. I changed bank acct info with Chase Paymentech, however it was not actually changed. They kept depositing into our old account. My bank, as a courtesy, transferred the funds into the correct acct for 60 days. All of this was behind the scenes and without my knowledge. Chase Paymentech never notified me that they were unable to change the account info. When the day came that the bank stopped transferring from the closed acct to the new account, I immediately contacted Chase. That was XX/XX/XXXX. Over {$1600.00} is at Chase. For two months, I tried to update the checking acct information, however because they could not accomodate the legal name of our company, I was unable to get this accomplished. I presented letters from my bank, charter, etc. Just a side note, they accepted it when I originally opened the account XX/XX/XXXX. With frustration, I requested that they send the funds by check on XX/XX/XXXX. Today is XX/XX/XXXX and have still not received the funds. I represent the XXXX XXXX XXXX, a non profit organization. I continue to get the runaround every week that I called. I have event been to the " Escalation Dept. ". DO NOT DO BUSINESS WITH THESE PEOPLE!
Consumer complaint received 2015-05-12
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc (AZ)

I have approximately XXXX hard line inquires on my report ( via XXXX XXXX ) and they were NOT authorized to do so! How do I remove them from my report! These inquires have caused my score to decline significantly and I am livid!
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNTRUST BANKS, INC. (TN)

I have a dispute still under investigation with XXXX of the credit bureaus. 

XXXX XXXX XXXX is the debt collecting company collecting on behalf of Suntrust Bank on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment in XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in XXXX lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.
Consumer complaint received 2016-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

I have {$50000.00} in XXXX student loans, formerly serviced by XXXX and XXXX. Responding to a XXXX XXXX XXXX : President Obama 's Federal Loan forgiveness program, I received a phone call in XXXX from XXXX XXXX XXXX. I was under the distinct impression that this organization was government-afilliated. They offered me an income-adjusted repayment plan of $ XXXX, ostensibly with loan forgiveness after making XXXX years of payments. During the initial phone call, XXXX took my debit card number as " backup '' ( they said XXXX if there were late payments. After completing application paperwork, I began receiving emails from a company called FedLoan Servicing XXXX : starting payments on my XXXX loans. I thought ( naively ) that SLE and FedLoan Servicing were connected and that these payments were the result of my SLE application acceptance. I began making regular payments through the FedLoan website, which I found is affilitaed with the the Pennsylvania Higher Education Assistance Agency ( PHEAA ), which also manages American Education Services ( AES ), which services my private school loans. In XXXX, despite having paid my FedLoan installment that month, I noticed an automatic debit card payment of {$39.00} charged to SLE, which I still believed was affiliated with FedLoan. I emailed FedLoan to complain, only to be told that FedLoan does not charge late fees. Shortly thereafter, my bank informed me that my debit card was hacked, and closed the card. I just received a phone call and email from SLE that my " automatic payment '' was declined, and to call them, which I did. The originating number is no longer in service, and the SLE phone number ( XXXX ) is always busy. I believe I have been scammed or, at the very least, XXXX, and I have no idea whether SLE and FedLoan are connected to each other. If they are not, then I have no idea how my XXXX student loans were paid off and transferred from XXXX to FedLoan, XXXX which they apparently were XXXX and what XXXX 's role in this is, if anything. I also do not know what XXXX was charging me $ XXXX for, and where that money went. SLE does not have access to my new debit card number, fortunately. I am perplexed, alarmed, and angry that private companies have taken advantage of the legitimate XXXX student loan reservicing initiative to scam people who need legitimate financial assistance with their loans. I would like to find out XXXX what happened with XXXX XXXX XXXX and FedLoan to find out what is going on with my XXXX loans, and whether they are being legitimately serviced or not.
Consumer complaint received 2016-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AL)

My monthly student loan payment is directly debited from my account each month. ON XXXX XXXX, 2016, I submitted an ADDITIONAL payment with written instructions for that payment to be applied to a specific loan ( the loan with the smallest balance ). Despite following the instructions provided to me, and after following up with FOUR phone calls and an email, the payment still has not been applied as requested. This happens EVERY TIME I make an additional payment.
Consumer complaint received 2016-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!
Consumer complaint received 2015-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (TX)

My wife and I applied for a refinance of our current mortgage with Loan Depot in early XXXX. XXXX XXXX was my contact in the beginning and I answered ALL of his questions. After XXXX hard credit inquiries in 33 days, including XXXX in one day, I was told they could not refinance because I had over XXXX acres and had acquired an equity loan several years ago which I paid in full. They NEVER asked me the acreage or if I had ever had an equity loan.If they had ask these questions initially the loan process would have never started and there would not have been XXXX hard inquiries on my credit report. I asked them to remove at least XXXX of the the credit inquiries, if not all of them, since they failed to ask the proper questions and they refused! Also I received a letter of Adverse Action Notification which stated that I had over XXXX acres, said nothing about the equity loan but said that the " value of Type of Collateral not Sufficient ''. The loan request amount was {$110000.00} but the appraisal was {$230000.00}! The insufficient collateral statement is totally false! 
My goal is to get these credit inquiries removed. If Loan Depot had done their job properly and efficiently this 45 day process and all the credit inquiries would not have been necessary. 

Regards, XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2016-12-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: VNU Group, LLC (AZ)

XXXX a division of Pacific Credit Group in XXXX XXXX extended credit to me for a computer. The account was setup and I was originally told I would receive the item within a week. When the week passed and there was n't even an approval or tracking information I called and was then told it would be 7 - 10 business days before my item would ship. Since I needed this item for work I requested the order cancelled. I was told the order would be cancelled and I would not be required to make the first payment. I called several times over the next week and was assured my cancellation was noted in the system and the order was cancelled. However, it has been almost three weeks since then and the payment was taken from my bank account, The item still does not show cancelled and I can not reach anyone in charge as a manager. I was transferred to escalation department. I reached voicemail which said it was full and to call back later twice. I will be filing with my bank to reverse the charges but they told me it would be about 10 business days to get my funds back if I do, and I may not be able to them.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

XXXX is reporting that a loan I was delinquent on was refinanced, therefore in good standing. The last activity on the loan was in 2009, when I stopped paying it. The loan was never refinanced.
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MRS BPO, LLC (NY)

I received a letter on XX/XX/2019 which was dated XX/XX/2019. The mail person saw the letter, put in in the wrong mail box, but at the correct address. Due to this, every person this letter was touched by in USPS and also my neighbor and even visitors inside my home were able to see the address label on the front of the letter, which unlawfully has the collection agency 's name right on the front. This is a very popular collection agency used by many creditors and many people know them by name alone. Also, even if they didn't, they could XXXX the name and then figure put what the letter was about without ever opening it, which is unlawful. 
Even over the phone, there are rules that prevent collectors from disclosing the company 's name unless specifically asked since disclosing such information is unlawful which could hint towards a consumer having a debt with the collection agency. The issue is not about the letter going to the wrong address, it's about their company name being right on the front of the letter with my name on it which is a gives away that fact that I have an account with a collection agency. 
The bill is for {$2600.00}. 
This negligence is a violation of FDCPA and there needs to be consequences for these types of unlawful communications that can disclose the nature of the letter.
Consumer complaint received 2023-02-27
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}
Consumer complaint received 2017-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all XXXX credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XXXX XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XXXX XXXX, XXXX, this account need to be closed and stop actively reporting to the credit bureau.
Consumer complaint received 2017-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

My  School Loan h older is Navient. Todays complaint was initiated by me checking my loan on their website to verify that my payment went through. My payment is scheduled fo r Auto Debit eve ry month. I have never missed a payment. However their site has informed me that I missed a payment and the original due date of   X/XX/17   is no longer there but now is forwarded to next month  X/XX/17.  Ever since I started paying more on my loan there has been computer errors or mishandling of my payments frequently. I have to waste countless hours to give over sight to a company that has been using policy they make up to get the most profit interest they can. I am sick of this company and have been dealing with their incompetence for years. I want to join the lawsuit against them and make a formal complaint against them. I have had it. I am sick of trying to pay my bill on time and have to be aggravated all the time with their inability to process normal standard billing procedures.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (SC)

CitiCard credit card closes inactive credit card accounts without advance notice, damaging consumers ' credit ratings. 

My wife and I have been a Citi AAdvantage cardholders for more than five years. Last XXXX CitiCard arbitrarily cancelled my account with no advance notice. I called immediately, and the representative cited account inactivity as the reason. I asked the representative to reactivate my account, but he insisted that I would need to apply for a new card. Worse, the new application would require pulling a credit report. This week CitiGroup did the same thing to my wife, giving the same excuse and requiring her to apply for a new card. 

CitiGroup 's arbitrary no-notice cancelation practice impairs consumer credit ratings in multiple ways : It increases credit utilization. I had earned a {$50000.00} Citi AAdvantage credit line, and my wife {$19000.00}, so the impact was significant. 
Requiring a new card instead of reactivating the prior account reduces the average length of time cardholder accounts have been open. 
Pulling a credit report further depresses a consumer 's credit rating. 

Over five decades as credit card holders, my wife and I have never missed a payment. We have earned stellar XXXX credit scores. We use auto-pay, so CitiCard incurs no statement printing or mailing costs for our accounts. What does CitiCard gain by terminating and alienating us? 

CitiCard has our e-mail address, snail-mail address and phone number. Why not contact us before canceling our cards instead of afterward?
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2017-05-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (ND)

I sent a check for full payment of my auto loan balance on numerous occasions and my bank,   XXXX    XXXX   XXXX  has paid the check and sent numerous copies of the checks, I have sen t to Ally Financial for payment of my auto loan balance. My account has n't been credited yet for full payment o f my balance.
Consumer complaint received 2017-05-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (SC)

On  XXXX / XXXX / 17  I lost access to my account with Coinbase. I became unable to login to the account as  Coinbase  has stopped sending me verification emails. No problems exist with my email account itself. I filed a support ticket and attempted social media contact on  XXXX / XXXX / 17  ( and since ) and have received no response from any human support representative. I am unable to turn off or on existing recurring transactions, view my balances, or move any of my existing assets out of the account. I would like to resolve these issues and continue doing business with Coinbase.
Consumer complaint received 2023-02-27
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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
Consumer complaint received 2017-05-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC (NJ)

Alltran Financial LP sent a  letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
Consumer complaint received 2023-02-27
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. (NC)

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX, XXXX ; XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance XXXX {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$410.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$64.00}.
Consumer complaint received 2016-08-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SECURITY FINANCE CORP (AL)

My spouse visited the local branch of Security Finance to make a payment on his installment loan and was asked by the representative if he was my spouse. He was then asked by the representative if he had spoken with me about my payment that was due. ( we have separate installment loans that are in each of our names individually ) The representative then disclosed to my spouse the payment being due and the balance on my account and proceeded to ask my spouse to make a payment on my account. My spouse did make the payment. This company had no right to disclose any information on my account to any other party.