davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mendelson Law Firm (TN)

I was notified by the payroll dept that my wages were going to be garnished regarding a filed judgement. After contacting the representative of the creditor, we agreed on a lump sum plus monthly payments. I never knew that I had a court date for this matter, so I asked for all documentation. He could not supply me with that, and advised me to get that from the court. However, I also asked to receive written notification of our agreement, as well as written monthly statements showing payments and current balances. The legal clerk said that that could not be provided, although if I paid over the phone by electronic check I could get balances each time. I was also not notified of the date of the last payment on the card, which was approximately in 2005. I am now aware of statute of limitations in collection matters. As a debtor, I have rights as well, and I believe that I am entitled to receive the written documents that I have requested. I was a paralegal for 12 years, and did the billing for my department. We represented banks and credit agencies, and we sent monthly statements to debtors paying on collections. If I am paying this large amount of money, I would like to see monthly statements.
Consumer complaint received 2015-08-01
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: QuickClick Loans of Illinois, LLC (CA)

Quickclickloans.com hired an attorney XXXX XXXX XXXX, address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX to sue me for a loan. I never received notification of being sued. It was not until I had my wages garnished, did I know of this lawsuit. Had to pay out of pocket fees to hire an attorney, get copies of lawsuit paperwork through the XXXX XXXX court, and found that they lied on the document submitted to the court that they had served the lawsuit paperwork to me. They court document indicated they had served me at my place of business ( the address they supposedly served the paperwork at was my parent 's old home address, which I never lived at ), the description of the woman they gave the documents to did not even come close to my appearance, and there was no signature of the person receiving the lawsuit paperwork. This attorney garnished my wages without proper notification of this lawsuit and I want this investigated. My attorney had XXXX XXXX XXXX stop this garnishment immediately after the findings of improper serving of lawsuit paperwork. Are you able to tell me further what my rights are? Is this something I can report to the Attorney 's General Office?
Consumer complaint received 2015-06-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

American Education Service ( aka AES ) is the current servicer for my private student loans from XXXX University & XXXX University. I contacted them in regards to obtaining a lower monthly payment amount due to having a reduction in hours at my current job and also to have my due date aligned to the XXXX of every month. I have provided documentation to support my monthly income and expenses, yet they refuse to work with me and will only offer a temporary 3 month deferrment. I suggested a permanent option of reducing my monthly payment from {$700.00} to {$350.00} per month, which they still refused. At this rate, that I am going default will be the eventual outcome,
Consumer complaint received 2015-11-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

My niece needed a student loan to complete her education at XXXX College in XXXX, New York. She asked me, her uncle, if I would agree to guaranty the loan because the lender would not provide the loan without the guaranty. She was told by the lender at the time the loan was committed that if she made regular timely payments after she graduated, the lender would release the guaranty. On XXXX XXXX, 2015, after paying her student loan payments on time for over two years, she submitted an application to American Education Services ( " AES '' ), the loan servicer, on my behalf requesting that I be released as a guarantor of her student loans. She never received a written response to her request. However, I called and learned over the telephone from AES that her request was denied because of her credit score. On XXXX XXXX, 2015, she requested that AES reconsider its decision and release me as guarantor. Her credit score is excellent and there is no reason why I should not be released. As proof of her credit worthiness, she sent a copy of her personal credit report to support her request for reconsideration. Once again, she received no reply to her request. I again called AES and was told that, while my niece is employed full time as a teacher, has made every payment on time and has a good credit score, she has an auto loan and a mortgage. AES said that the amount of debt required AES to decline the request for me to be released as guarantor. It appears that the lender 's promise to release her uncle 's guaranty if she made timely payments is illusory. They never intended to keep the promise. The fact that they never respond to any requests is indicative of their lack of commitment to perform as they promised. Also, the ever changing excuses for refusing to release the guaranty is further proof that the lender is not performing as promised. My niece asked AES if her parents could be substituted as guarantors of the loans. AES refused to consider this and said the only choice my niece has to release me as guarantor is to pay off the loans.
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MI)

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX 2016 serves as an addendum to my previous CFPB complaints ; my disputes directly with my servicer ; and through the DOE. As such, letters received after negative payment data was furnished to credit reporting agencies, suggested that the credit history could be fixed if delinquent student loans were brought current. First, that was not true. Second, I did what was required of me to stay current. Third, despite doing that ; they defaulted me and reported negative payment history inconsistent with my activity as if I did nothing. Due to the Government Shutdown, time was wasted, and ultimately my U. S. Senator and the DOE reviewed the issues being disputed. After all that, in full knowledge this servicer made a similar claim of credit repair U. S. Mail as a " carrot '' and redemption as a " stick. '' When I sought clarification about the credit repair they took a helpless position as in the past is not fixable. So that was false, in the sense that negative reporting can somehow magically be overcome with good reporting. Not only was the language in writing presented as clean slate but in my case there was nothing on my part to cause it. So this leaves the student debtor with a deliberately distorted credit report for no reason. The servicer has total control over furnishing truthful credit reporting. In view of the Government Shutdown, any accounting dispute that very month should be consider positive payment history. So this case addresses a number of issues. The one that applies to AES is credit repair-esque language. Though " settlement '' is not the precise word used, in the case of AES communication to me, the notion of future payments equating with credit reporting status is deceptive. One has nothing to do with the other. AES did this in XXXX different ways in XXXX different communications. Once clarified, default was no worse than the damage they already did with false negative reporting that they refused to fix. It was a Catch 22. No matter what I did, the past was etched in stone on up, to XXXX credit reports. The purpose of this complaint is to let AES know that mail fraud is different and beyond this case XXXX XXXX 2016 weblink ; but not mutually exclusive to its legal issue.
Consumer complaint received 2024-11-06
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MD)

I'm a XXXX XXXX who open checking accounts numbers XXXX XXXX I was XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Texas XXXX, around XXXX to XXXX. 
During those years, I open department store credit cards account numbers. 
The department store credit cards account was recorded on a database computer with a Texas driver license from the state of Texas. 
The drivers license numbers are, XXXX. XXXX The expiration date is, XXXX. XX/XX/XXXXXXXX XXXX XXXX 
I lost all billing statements.
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MA)

I 've been attempting to work with Fed Loan since XXXX XXXX to have my payment plan recalculated. I called them in early XXXX and informed the rep that I was having a hard time paying my loan. Additionally, I told the rep I was recently married and needed to update my family size. The rep stated that the change in my status would help decrease my monthly payment. He asked that I submit documentation including my taxes as well as pay stubs. I was informed that I could also qualify for an administrative forbearance. I call each month until early XXXX and am always given conflicting answers. I got so frustrated that I decided to contact the XXXX XXXX XXXX XXXX Ombudsman group for assistance. With their help I was able to have my application expedited. Unfortunately, once my loan was recalculated my monthly payment increased from {$430.00} to close to {$630.00}. I surely could not pay this amount while at the same time affording rent, car insurance, and other essential living in the XXXX XXXX area. The Ombudsman group was able to provide me information on another payment plan that would decrease my payment plan. I applied in early XXXX XXXX for the Repaye/Paye program. I called twice to check on the status of my application and was informed that I would receive notification " In a week ''. I informed the reps that my loan was past due and near delinquency and this was very urgent. I was informed that I did not need to worry as I would receive notification. Almost XXXX weeks later, I have not received anything. I do not qualify for a deferment or additional forbearances. I contacted the escalation line for Fed Loan 3 times to request an administrative forbearance but have never received a call back. I used the chat feature on Student.gov today for assistance. The representative told me to go back to school so that I could qualify for an in school deferment. Really? Go back to school? My husband and I combined owe over {$200000.00} in student loans. I would like to pay my loans but need a reasonable payment. I am not asking for a handout. Why are n't there options out there for people in my situation. I feel as though Fed Loan rather see me default then to provide assistance. My experience with this company has been BEYOND FRUSTRATING. PLEASE HELP.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NJ)

I was looking on my credit report and I noticed I had a collection on my account from National Credit System for XXXX. I never had no account or anyone else for this matter. Under 15 USC 1692G and 1681b ( permissible purpose ) this is violating my consumer rights.
Consumer complaint received 2016-06-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (NY)

Sallie Mae is harassing me ( via incessant phone calls ), and sending mail to my cosigner 's address. I 'm asking that said methods of communication cease. I 've written multiple letters to Sallie Mae, each asking for a path to a resolution regarding the issue at hand, and that they stop the harassment and bullying that they routinely participate in. With that being said, Sallie Mae has made zero effort to return my missives in regards to finding a resolution to the issue at hand. I, in addition to my cosigner, receive nonstop phone calls from various Sallie Mae agents, none of whom I have any familiarity with whatsoever. Meaning, every day, multiple people -- people who I 've never spoken to in my life -- call my phone claiming to be my assigned Sallie Mae account agent. But such claims are not accurate : Sallie Mae has failed to provide me with an account agent name and number, therefore I 'm never given access to a 'real ' human whom I can contact to resolve issues. Instead, I 'm at the mercy of Sallie Mae and their slew of nameless, aggressive debt collectors. I 'd like Sallie Mae to return my letters, stop contacting my consigner 's employer, and engage with me in a dialogue that will lead to a timely resolution to the issue at hand. Thank you.
Consumer complaint received 2015-08-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: South Carolina Student Loan Corp (NY)

Payments are too high. Needed the loans to attend college. Wish to pay back but need lower payments. SC Student Loan charging a 9 % interest rate which is way higher than the market and will not negotiate to lower the rate or spread out the payments.
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Second Round Limited Partnership, Austin, TX Branch (NH)

Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lyons, Doughty & Veldhuis, PC (NJ)

I was contacted by a Law Firm ( Lyons, Doughty and Veldhuis XXXX ) in regards to a debt owed to XXXX XXXX Bank. 
I immediately notified them that this was not my debt and that I would like verification. ( Proof of fax receipt enclosed ). They then sent me a copy of a XXXX XXXX Statement with a name XXXX which I am not and have never used. Included was a typed letter with a notary stamp ( not raised ) that named not XXXX. But me with my address. I can only assume this is a deceptive practice used by this firm. 
I sent them another response stating that this was not my debt. They filed court action and I would not sign for the registered letter because it was addressed to XXXX. Shortly thereafter I received registered mail with the XXXX removed ; I can only believe this to again try to deceive me into paying a bill not owed. 
I have contacted XXXX XXXX Bank at XXXX and after they asked my birth date and last XXXX I was told that it is not my debt. I asked for proof and they said they would not share that because it was not me they were collecting from. I told them about the suit being brought and the response was just tell them it is n't you. ( Conversation all on tape ) If I could find out that easily, I would expect a law firm to do the same. 
I was told by the superior court ( Docket No. ) that I have to pay court costs to respond to this phony lawsuit. 
I just received another letter in today 's mail ( XXXX ) telling me to pay the bill because I am being sued.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TD BANK US HOLDING COMPANY (CT)

TD bank setup an estate account for my deceased aunt. Im the executor and am trying to use the funds to pay the bills until everything is settled. They opened the account, issued checks but have not moved any of the funds into said account. Whats the point of it if its a worthless account?
Consumer complaint received 2016-05-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TN)

Someone had opened an account with XXXX several years ago. I have never had an account with XXXX. I have always used XXXX or my local cable company. I had disputed this debt 2 or 3 years ago and it was removed. Now I find that it is back again. I was able to find out that this account is in a XXXX name. I do n't know who this person is and I do n't know how my information was used to obtain this account in the first place. I called XXXX XXXX myself several years ago when this first appeared on my credit report and they could find no record of me in their system. My credit score was actually starting to improve and I was in the process of buying a new home but now I 'm worried this debt will affect the outcome of me getting the home. Once again, I HAVE NEVER HAD AN ACCOUNT WITH XXXX.EVER! I want it removed and stay removed.
Consumer complaint received 2015-05-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (ME)

I have asked them for a signed contract that was signed by me they just send a copy of old bills I have never had XXXX and only have had att think someone opened it in my name but they will not send a signed contract if they do not have a signed contract they need to remove they have over XXXX of complaints online from being a third party debt collector and all the fans answers was removed from XXXX XXXX times now and they keep putting it back on shady company
Consumer complaint received 2015-06-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I have called in weekly since XXXX/XXXX/2015, ... .... and each time I was told the file was in underwriting. I recently called on XXXX and was told the file was not in underwriting and has not been the entire time. I spoke to a manager XXXX XXXX ID XXXX ) who could not give me an explanation of what happened. I plan to resubmit a whole new packet as the original will likely be outdated. Please see that this new packet goes properly into underwriting and that the representatives are not falsely stating a packet is in underwriting when it is not. Thank you for your time and consideration in this very serious manner.
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I had a federal tax lien of {$42000.00} filed on XXXX at the XXXX XXXX County County Recorder.The case # is XXXX.the lien was then paid in full and released on XXXX. I sent the IRS my request to have the lien withdrawn and received a form XXXX withdrawal. I contacted all XXXX credit bureaus to remove the lien from my public record. XXXX and XXXX did it promptly. Equifax did not. I disputed it with Equifax and sent in all the documents they required. They sent me back a final notice that the lien is still in my public record, However they are using the public record from XXXX, NOT the final XXXX from XXXX showing it is '' XXXX Withdrawl '' from the IRS . The final document number on file is XXXX dated XXXX/XXXX/XXXX
Consumer complaint received 2015-12-15
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc. (TX)

My deficiency debt from Carmax was assigned to a debt collection agency, XXXX XXXX XXXX. The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with XXXX XXXX initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.
Consumer complaint received 2015-09-08
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (NY)

I was made a principal car loan maker or buyer, instead of a co-maker at XXXX XXXX on XXXX XXXX, XXXX by The Office Manager just to materialize the car lease. I was deprived to read the contract to fully understand and was given limited explanation and forced me to sign. Since that time my sister-in-law badly needs the car for their children, but to no avail I was forced to signed against my will. My sister-in-law relatives after 5 months became a strong XXXX victim in the XXXX, so she decided to surrender the car for financial constraints. The XXXX resale the car and charged the difference to me since my name was a Primary Buyer. The American Honda XXXX was charging me {$7900.00} despite of the request to waive the differential cost since we paid during 5 months and the car was in good condition and my sister-in-law relatives were badly affected by the XXXX and need to send financial assistance. That 's why she gave up the car. Now, the differential cost was sent to XXXX XXXX , XXXX as the debt collector 's agency. My sister-in law who is the sole working since XXXX with a XXXX child and XXXX children can not afford to pay the difference. Since my name was in the primary lease contract, my credit score became worsened and very low for that situation. I need to clear up my name and corrected the reports from XXXX reporting agencies. I can not pay the said amount because I was only made a principal by the XXXX because of my high and good credit score during the signing of lease in XXXX. May I request to please help me to clear my name and to ask the XXXX to waive their claim. Thank you.