davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: LOAN TO LEARN (NC)

School : XXXX UniversityLocation : XXXX, NCMy father was paying off XXXX of my Loan To Learn student loans until his passing in 2012. I have another Loan To Learn account that I pay monthly and that is still in good standing. Loan To Learn sent the loan my father had been paying into default and sold the loan to a lawyer in XXXX, NC without my knowledge. I was never made aware of this in any way until I ordered a free credit report and discovered a delinquent loan on my record. I called Loan To Learn thinking it was a mistake. It was n't. I told the customer service rep that the lawyer who Loan To Learn sold my loan to had never contacted me and I did not understand how this was legal. She said I could try sending my dad 's death certificate to the lawyer to see if he would " work with me ''. 

The customer service rep then gave me the lawyer 's contact information ( XXXX in XXXX, NC ). I called XXXX XXXX XXXX and explained my situation to the man on the phone, and then asked how much I would need to pay monthly. He laughed and replied, " Make me an offer. '' I offered to pay {$350.00} a month. He replied saying " they '' originally wanted {$500.00} a month. I asked him who " they '' were and he said XXXX. 

I said I could n't afford to pay {$500.00} a month on top of my other student loan bills, and he said to email his office my father 's death certificate to see if that would help. I obtained my father 's death certificate and emailed it to XXXX XXXX XXXX. A woman named XXXX responded to my email writing that the client declines my offer and requests {$400.00} a month, and asked if I could accept the counteroffer. I responded that I could not pay that amount each month. I then requested a written validation of the debt for my records. 

XXXX XXXX XXXX then sent me a letter saying that they will recommend that their client file suit if payment is not received within the next 30 days. The letter stated that " every legal step necessary will be exercised in order to collect this debt, including execution by the sheriff should judgement be rendered. '' They also began calling me at work. 

I replied again via email and said I could not pay {$400.00} a month, and have not heard from XXXX XXXX XXXX since then. 

I just want to pay my student loan at a reasonable monthly rate. This situation has wrecked my credit score, and I did n't even realize it was happening until I ordered a credit report. I do n't think asking for a monthly payment lower than {$400.00} is unreasonable. 

If I had never ordered a credit report and consequently reached out to Loan To Learn, I would have never known they sold my loan to XXXX XXXX XXXX. I 've made every effort to be proactive and pay my loan to no avail.
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CT)

I am contacting the CFPB as I am at my wits end and do not know what else to do. I have an FHA loan with Suntrust and my loan modification request was denied XX/XX/XXXX. The denial letter stated I was denied for FHA HAMP and FHA standard modifications because the investor decision was not received within 30 days. Which it hadnt even been 30 days because I submitted an updated modification request on XX/XX/XXXX and on XX/XX/XXXX, I was advised XXXX additional paystubs was required which I sent that same day. On XX/XX/XXXX, I was advised the file was complete and sent to the investor for a decision. The modification was denied on XX/XX/XXXX which is less then 30 days. I was then advised my only option is liquidation. I quickly appealed this denial and today, I was told the appeal was denied and still, my only option is re-instatement. My loan originated XX/XX/XXXX and my rate is 6.125 %. My monthly gross income which is based off my weekly paystubs is {$4000.00}. 31 % of that would make the proposed modification payment {$1200.00}. My current payment is {$1400.00} so there is still a small savings. I am not even asking for a lower payment, I am just begging this bank to acknowledge my major hardship and give me a chance to resume making payments so I can keep this home I love and need so much. My reason I fell behind to begin with was due to XXXX. I had been out of work for a few months while XXXX. When I was finally strong enough to return to work, I applied for a modification and I have been getting denied since. I have all the medical documents to prove all of this as well.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a part of an agreed contractual agreement, the account was paid in full and specifically negotiated with the company, that the negative item would be permanently removed from all reports ( Transunion, XXXX, XXXX. ) As of this date, although the status has been updated, the item remains, which was NOT the agreement and is still negatively impacting my reports.
Consumer complaint received 2015-06-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Atlanticus Services Corporation (OH)

I sent XXXX XXXX XXXX a XXXX letter asking for and I quote Signed credit application between myself and the original creditor Copies of all signed vouchers from the date account was opened until default Copies of all statements from the date account opened until default Proof of the statute of limitations Proof of agreement that you were hired by the Original creditor ( creditor as defined by the FDCPA ) or A copy of the contract XXXX purchased the alleged debt. 
If the alleged debt was purchased, provide a copy of an agreement between XXXX and myself, signed by me, stating that I have a contractual responsibility to XXXX for the alleged debt Provide proof that XXXX is bonded/Licensed for debt collecting in the State of Your StateI received a statement back not proving anything and they DENY my dispute. Under the FCRA Section 623 I have a right to verify this information for myself, if it can not be validated then the tradeline must be deleted
Consumer complaint received 2015-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (GA)

I have been submitting documents to the bank and they keep adding to the required list but not allowing more time to complete the documents list and pass audit. They gave me time to submit documents, but every time I call the need additional documents. There is a foreclosure sale date of XXXX and they keep adding to the list of documents, letters of explanation while my short sale seller documents and hardship have been validated previously. I feel they are fast tracking me to foreclosure. When I call they tell me that even though I am being review for foreclosure alternatives, they will continue with the foreclosure sale date. I consider this dual tracking and extremely unfair business practices and in violation of CFBP rules. Is there some way to ecourage them to continue with the short sale offer review. They have been sitting on the offer since, XXXX, almost a month. Please help.
Consumer complaint received 2015-10-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (GA)

American Education Service sent me a collection email 3 days before my account is due. Please advise.XXXX XXXX XXXX. 
Here 's the text of the email : This message has been sent to you based upon your existing relationship with American Education Services ( AES ). If you are not the intended recipient or received this e-mail in error, please contact AES by calling XXXX, and then delete this e-mail from your system. 

This message is being sent to inform you that a student loan, serviced by AES, for which you are the cosigner recently became delinquent. 

If payment has already been made, please disregard this notice. 

Please be aware you are equally responsible for this debt and the situation must be resolved immediately to avoid negative credit reporting for both you and the primary borrower. 

To protect your credit rating and avoid collection calls it is important you resolve this situation today. You may do so immediately by clicking the link below to make your payment : XXXX/signinAmerican Education Services Payment Center XXXX, PA XXXXXXXXPlease do not reply to this e-mail as this e-mail account is not monitored. 

You 've received this e-mail because you previously provided AES with your e-mail contact information. If you want to be excluded from future e-mail messages, please unsubscribe here.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IN)

On XXXX XXXX 2015 my father died. Consequently I incurred a lot of funeral and death related expenses. I paid {$5500.00} on my account. An error was made and Citibank tried to retrieve {$6500.00} and my bank said there were " insufficiant funds ''. Citibank did not inform me immediately of this and tried to retrieve the {$6500.00} two more times. Again NEVER informing me via email or otherwise that my bank had not paid. On XXXX XXXX I realized the error and Citibank told me to pay. I immediateIy paid {$12000.00} on XXXX XXXX, 2015 ( clear XXXX ) and a further {$3500.00} on XXXX XXXX, thus paying off my ENTIRE balance. I was originally told that I would be able to use my credit card once I made the payment and did everything they told me to do. please note that I was NEVER behind on a payment, my intention was to simply pay down the balance. 

Citibank unjustly closed my account based on what is clearly an error, and clearly their error. Their letter ( attached ) states it was closed after several " mulitiple returned payments ''. yet there was only XXXX payment returned and they failed to immediately inform me. ( I had signed up for electronic alerts ). This has caused a snowball effect : I no longer have any credit cards ( this was my only credit card ) and they have unfairly reported this to credit agencies saying my account was closed due to unpaid balance. This is completely unfair and I believe illegal because I 've NEVER EVER had any unpaid balances or late payments with Citibank. 

I would also like to point out that Citibank failed in their duty to protect and help me as a traveller. In fact, when I was made aware of the returned payment problem, i was in XXXX XXXX DURING THE TERRORIST ATTACKS. I had purchased my ticket using my Citibank XXXX Mastercard that had travellers ' protection. They closed my account while I was stranded in XXXX during the terrorist attacks that occurred XXXX XXXX 2015 and Citibank closed my account and would not help me. I would also say they took advantage my father 's recent death because they knew that the expenses incurred were primarily from the funeral. ( see Citibank statement XXXX XXXX XXXX funeral home. Also note that expense there after, housecleaning, flowers, etc are all linked to my dad 's funeral ).
Consumer complaint received 2015-10-21
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I.Q. Data International , Inc ; Collection company refuse to cooperate with my request for Debt Validation over and over again, ( illegal collection practices ) this is the info I sent them : Dear Sir/Madam, I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. 
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 
Texas Finance Code Section 392.202 requires a debt collection agency or / and credit bureau to provide the alleged debtor with specific information concerning their debt including : Please dispatch copies of the following with your reply:1. The agreement which authorizes you to collect debt on the assumed debt. 
2. The signed agreement from the debtor confirming to pay the debt. 
3. The documents regarding the payments made on this account and validation of the amount. 
The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety Bond information I request that the debt collector and or credit bureau reply in writing to ensure that there is a record of all correspondence between myself and the collection agency. 
And they have fell to response to 3 letters, causing further harm to my credit profile.
Consumer complaint received 2015-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

This collection agency is showing on my credit report with incorrect information. The original creditor, amount owed, and date debt became deliquent. Collection agency has also listed debt as new debt with false opened date. This information is preventing me from obtaing a home mortgage.
Consumer complaint received 2015-09-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (VA)

I have submitted XXXX complaints : XXXX and XXXX. 
XXXX and XXXX have now given Transworld Systems Inc. account to placein collection. STOP. I paid XXXX over {$36000.00} on my student loan. 
Original loan amount {$45000.00}. XXXX defaulted the entire loan at {$43000.00}.
Consumer complaint received 2015-07-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have not supplied proof under the doctrine of eetoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist. ( Please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$14000.00}, XXXX XXXX balance {$750.00}, XXXX XXXX {$810.00}, XXXX XXXX collections balance {$490.00}, XXXXXXXX XXXX XXXX balance {$610.00}, XXXX XXXX  balance {$1700.00}.
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (CA)

I have moved to another country in 2009, and confirmed XXXX 2009 is the last time I used the credit card, which is free of annual fee. I have confirmation that I settled the payment and I have not received any new statement/balance throughout the years. My old landlord has informed me that a debt collection company has mailed me with a debt of {$610.00} which I am certain is not mine. I do n't know if it was identity theft or not, I tried to contact them but could n't. they do n't have any of my numbers as I cancelled all my old phones already.
Consumer complaint received 2015-10-13
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (PA)

On XXXX XXXX, I transferred {$400.00} from my personal checking account ( XXXX ) to Google Wallet. The transaction ID is XXXX. Google Wallet is an app which is paired with a Google Wallet Mastercard. Its like XXXX except XXXX works as advertised. According to media reports, most of the funds GW holds on behalf of its account holders is held in FDIC insured accounts, but the GW TOC claims that GW is not FDIC insured. Several operators told me GW is not bound by FDIC regs. 

I transferred the money because the UI explicitly and unequivocally stated that the funds would be available in seconds. It stated " Money will be available in a few seconds '' " It may take a few days for your bank account to be debited ''. 

I immediately received an email that the funds would not be available in GW until XX/XX/XXXX. I immediately called GW customer service. The operator stated that this was a recurring problem. She cancelled the transaction, then warned that the money would still be taken out of the account, but that my bank could stop that from happening. She, and several other operators stated that this could not be stopped by GW once initiated. 

I called my bank and was told that stopping such a transaction was simply impossible. The problem is not with my bank. They always do everything right. The money was transferred from my account the next day ( XX/XX/XXXX ). It is now XX/XX/XXXX. I spoke with my bank and a GW manager and XXXX GW operators today. The transfer from XX/XX/XXXX is the only relevant transaction they can see. The transaction appears as failed in the GW dashboard, so my balance there is {$0.00}. The GW operator told me the money " should be '' in my XXXX account. My money is reflected nowhere. I am told it will reappear in a few days. I believe it will. The problem is the button said that the funds would be available in seconds, not weeks. Another problem is that the {$400.00} is not reflected anywhere in the observable universe. If a bank ( or even a small time payday lender ) did this, the FDIC would kick the doors off the hinges and have the place in receivership in an hour. They would be cuffing people. This same dilemma almost certainly recurring XXXX of times a day. I just checked and the UI is still promising " money will be available in a few minutes ''
Consumer complaint received 2015-10-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WV)

my name is XXXX XXXX my husband and i seperated in 2011 we had a morgage loan thru greentree financial my morgage was current at the timemy husband lost his job and i was having trouble making my morgage so i called green tree to tell thenm what was going on they told me to get a written statement from my husband saying we were seperated and they may be abel to give me a modification on my loan so i could afford it my payment was XXXX a month i had to send them papers with my payments that i had which was utilities insurance ect i had XXXX children liivng with me this company led me to believe for at least 4 months they were going to help me with this modification well guess that was a lie i finally got a letter stating that they couldnt do the modification i made to little money mind you i had been paying for this home for at least 11yrs i was devestated they called me everyday at least 5 to ten times a day wanting me to send a payment than the one night i get a call from a rep of theres saying XXXX XXXX you did not get the modification and you have to come up with a payment i told him i would try to get a payment when i got paid he said cant you get it from a family member or friend your behind and i think at the time 3 paymentsi said yes sir he said i dont mean to be a XXXX but you cant live there for free by this time i was in tears as to how rude and non understanding he was i dsaid you all led me to believe you were helping me four 4 months now you tell me i have to get out in the middel of the winter with XXXX kids and know where to go he said you have to XX/XX/XXXX to get out which was not even a month or the police will bring papers to remove you i was devastated at the way this man spoke to me itold him i would try to get all the payments to them with income tax but he would not here of this he said send me at least a payment or you have to leave this is my story i ended up leaving and signing papers to them losing my home to them in leiu of deed they gave me and my husband so much time to get everything out of the house they brought dumpsters and trailers and took my husbands stuff out of the garage and the house which went to them because my husband could not get there because of the snow to retrive his things they kept what they wanted gave it to a relitor and and sold it. i think i was treated very unfairly and was thru out with my kids in the middel of winter, i was lied to by this company and i did everythin they saked me to do to try to save my home i thought this was what a loan modifaction was to help people to save there homes this is a very decieving company you may ask why im taking so long to see if anything can be done or if i have any legal grounds to stand on i will never be abel to get another home because if this they sold my home for near nothing to the relitor but could not help me pretty sad if i say so my self well thank you for reading my complaint sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX wv XXXX