davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX and XXXX, account # XXXX, amount {$2600.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

After graduating in XXXX XXXX from XXXX, my loans far exceeded the amount listed for monthly payment. I attempted to file for Income Based Repayment, online but the website would not allow me to bypass a specific page to file my information. I even attempted to send my information via mail on two occasions only to hear from Navient/XXXX that " they did not receive the paperwork. '' During the period of time from XXXX I was continually pushed into forbearance by each Navient/XXXX rep, on multiple occasions being told that no money would be added to my principal at the time. In XXXX, I finally realized how much capitalized interested had been added to my loans and paid them down immediately. As I have worked to pay them down further throughout this year ( XXXX ) I 've noticed that XXXX of the XXXX loans I have paid off in full over 3 months ago do not reflect as such on my account. I hope that all involved are tried and prosecuted. Put me on the stand!
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (CA)

THIS COMPANY IS TRYING TO COLLECT A DEBT I DO NOT OWE. IN XXXX I DID NOT HAVE XXXX, I DID NOT PAY MY OWN BILLS BECAUSE THEY ARE PAID THROUGH COMPANY WHERE I WORK. I DONT EVEN HAVE THE PHONE UNDER MY NAME. ITS IMPOSSIBLE TO BE MINE. THEY HAVE FRAUDULENTLY PUT IT ON MY CREDIT REPORT, JEFFERSON CAPITAL SYSTEMS {$XXXX} {$540.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 
Open Account # XXXX {$540.00} Balance XXXX Original Creditor {$540.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 
Responsibility Collection account Remarks Note
Consumer complaint received 2016-01-20
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: TMX Finance LLC (GA)

ate {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX 2016 and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
Consumer complaint received 2017-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Alpha Recovery Corp (NY)

XXXX XXXX employed as a debt collector with ARC ( XXXX ) calls my job and home XXXX times a day. I have verbally and in writing asked that he stop as I will contact them when I am able to negotiate a settlement. This is calling negative attention to me at my workplace and disturbing my home life. 

Kind regards, XXXX XXXX
Consumer complaint received 2016-08-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (FL)

This company is Castle Payday, It goes and has gone under multiple names, Red Rock Lending, and has now changed its name to Big Picture Loans. Avoid at all costs I made the mistake of taking a loan out with these scam artists, I was approved for a {$800.00} loan, but only borrowed {$350.00}. I was told by the Rep on the phone that there would be a finance charge, steep, but I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure not visible at the time I accepted this loan showed an APR of, and this is not a typo either, over 750 % and that the total repayment amount for my {$800.00} loan would be a well over XXXX. 

Payments were {$350.00}. Even with high interest I figured XXXX or XXXX payments would do it. 

My bank looked into it. Agreed it was outrageous. Now, they tell me theat Castle has come back with legitimate paperwork. 

Well of course they have paperwork. I signed it. At the time it WAS NOT REVEALED that payments were interest only - the loan just builds and builds!!!!!
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

Key Bank XXXX XXXX has reported ATM machine abuse on my XXXX report. This was reported XX/XX/2014. The incident they are reporting was an account closure due to letting someone else have access to my PIN number which was against their policy and they closed my account. No money is owed the report shows paid in full. Due to the use of the term ATM machine abuse I am denied any bank accounts which is making it very difficult to rebuild my credit.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Around XX/XX/XXXX/XX/XX/XXXX, I received a letter stating the income based plan I was on with XXXX/Navient was ending because I was on it too long and my payments would increase from roughly {$72.00} a month to {$190.00}. I called them immediately and explained I could n't afford that. I was told to call back closer to XX/XX/XXXX when the payments would increase to see what could be done. XX/XX/XXXX, I started my graduate program again and got a one month in-school deferment only because I had exhausted the other months already. So XX/XX/XXXX when repayment began, the payments increased to {$190.00}, not XX/XX/XXXX as I was told. So I called and explained my situation. The rep completed a financial worksheet regarding all my monthly expenses. After giving her all this, she stated that there was nothing they could do because she calculated I had {$230.00} left at the end of the month to pay them. I did n't qualify for the rate reduction program or the reduced payment program. There 's no way I could give them that. My expenses fluctuate each month and I count on that to cover those or any incidentals that happen. I removed my automatic draft and began to pay what I could afford, roughly {$70.00} to {$75.00} each month. Unfortunately, my account began to fall behind because I was n't making the full {$190.00} payments. I then began receiving at least XXXX to XXXX calls a day from Navient about my account. I called back XX/XX/XXXX to discuss the account again. Another rep told me the same thing as the previous rep did. I still have too much money left over. I continued to pay what I could afford. On XX/XX/XXXX, I called again to discuss my account. I spoke with a XXXX ( employee ID # XXXX ) and was told this time that there is no payment reduction program and basically the other reps lied to me about it. He also said that they should n't have wasted their time completing the financial worksheet and did n't bother to take any info me this time. He offered two solutions : a payment plan to bring the account up to current. But that would n't resolve the overall issue of not being able to afford the payments. His other solution was for me to take out another loan from a bank and pay them, which is the most idiotic thing I ever heard. All of my other loan servicers have worked with me when I had trouble paying, regardless of how many times I 've had to ask for help. I have XXXX other loan providers and do n't have an issue with any of them. XXXX/Navient is the first to refuse to help. I do n't want them to default, opening myself up to a whole new set of problems. I need help and them to work with me. I 've had this loan since XX/XX/XXXX and when I was making payments, I never missed. And now, they refuse to provide any kind of assistance.
Consumer complaint received 2022-08-04
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. (MD)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Mortgage has been trying to collect unauthorized fees and charges they say are due on my mortgage account incurred during a personal bankruptcy. Suntrust refuses to return my calls, provide ANY documentation invoicing or accounting of mentioned fees in spite of request to do so by legal council. Suntrust states these charges were incurred during a personal bankruptcy. Charges authorized under this bankruptcy were authorized and paid in full ONLY by the bankruptcy trustee. Suntrust was duly notified by the bankruptcy trustee that ALL debts and charges were satisfied in full. This bankruptcy has been satisfied for over two years. Suntrust refuses to accept mortgage payments, provide ANY statements, documentation or legal correspondence regarding this issue in spite of demands to do so by legal counsel and myself. No one at Suntrust will take responsibility for this issue.
Consumer complaint received 2016-12-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust has denied providing me with the underwriter 's approval and verification documents of our loan, among other documents of which I 've requested through XXXX previous CFPB complaints against them. We have now just received correspondence from them and their attorneys, XXXX of XXXX, GA, that our home has been placed with XXXX for foreclosure. This is their third attempt to exercise foreclosure based on a fraudulent loan obtained through predatory lending practices. Again, the loan type is a 10-year interest only ARM of which we entered in XXXX. This term was not clearly highlighted on the first page of the 82-page loan document, but was essentially masked several pages and paragraphs later ( which was finally pointed out to us in XXXX! ) In XXXX, we were not provided the document for review ( 3 ) business days prior to closing, as is now the law. This loan type and disclosure practices are now unlawful, yet they continue to harass us with their attempts to enforce the loan terms. They have refused full disclosure and transparency with regard to our loan, therefore, denying us the ability to effectively re-negotiate a fair loan agreement. At the very least, by refusing to disclose the underwriter 's verification and approval of the loan, SunTrust Mortgage is in violation of the Truth in Lending Act.
Consumer complaint received 2016-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (SC)

Fed Loan Servicing is currently reporting false and incorrect information to XXXX, XXXX and XXXX. I have sent Fed Loan a certified letter over 30 days ago to validate this debt and to this day they have n't replied. I also have called several times to the # listed on my credit report XXXX and have received they no longer have this account and can not give me any information on this account BUT Fed Loan is verifying and updating to the credit bureaus the last two times I disputed. How can this be if when I 'm calling they have no information to give me? Also this account is over 7years old from. Per FCRA if this account is not removed ASAP I will file a lawsuit.
Consumer complaint received 2016-11-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (FL)

I called AES in XXXX, after be devastated by XXXX XXXX in Florida. I was told, I would be granted a three month disaster forebearance, Later, I received a letter stating I would owe in XXXX. After calling AES, the story changed, I was told they would have file paper work with XXXX to request a forebereance. Now, I am being told that I will have to pay {$460.00} on XXXX XXXX, to keep current. 
This information should have been explained in detail with my first phone call. I have {$5600.00} deductible which I have to pay first before my roof is replaced. XXXX, has only offered me a loan, for which I was denied. I ca n't see why XXXX refuses to help in the time of disaster and or why AES can never relays correct information. AES loves to say the calls are recorded for training purposes, pull the tape and listen. I can not afford this payment and replace all that was lost in the storm. My roof was destroyed, along with my garage, and water damage.I am single parent working on a teachers salary, apparently to be a victim of disaster means nothing to XXXX.Who is only concerned about money.
Consumer complaint received 2016-03-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

My husband died on XXXX XXXX I get behind few payments and send to Forclosure on XXXX XXXX the Florida hardest hit pay to My mortgage company {$38000.00} to bring my account current but after they get the money they double my payments and fees from {$1400.00} to {$3200.00} I have proof of what I m saying I went to a court Forclosure day and the judge grant me a motion to compel because the mortgage company do n't want to cooperate with me and I ca n't afford an attorney, I 'm a head of the house my Daugther XXXX and XXXX veterans depends on me, I have proof the Green Tree take vantage of me and they denied to review my account or scrows, I applied for a loan modification and they denied with out letters and close my application for missing documents, lately they do n't want to give me any letter everything is with Phone calls the I make.I can make payments reasonable payments, they took {$38000.00} from a government agency and lie to me, I have documentation to prove. GreenbTree LLC my mortgage is XXXX XXXX XXXX died / XXXX XXXX
Consumer complaint received 2017-01-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I have been mailing my mortgage payment to Ditech for three months and each time the payment is mailed back to me with no explanation. Upon calling Ditech, I am being told I did not include the late fee and per FHA if all fees not included the payment can not be processed and must be returned to the homeowner. I then include the indicated late fee with the original mailed payment and mail back to Ditech only for the payment to be mailed back to me with a new late payment fee that was n't mentioned before. This has occurred three times resulting in my mortgage now being late for several months. I feel Ditech is purposely causing my mortgage to fall behind in an effort to foreclose on my home. My loan was recently sold to Ditech from Greentree Mortgage and since being with them I have had nothing but problems. My loan was modified with Greentree about two years ago. I can not believe I am having this much trouble mailing in my money for my mortgage payment. I have never heard of this so-called FHA new rule Ditech is speaking of and nor have I ever had my payments returned for late fees. The XXXX payment in the amount {$600.00} was returned to me XXXX/XXXX/17 and per the representative, XXXX, Ditech wanted two months payments and that was the reason for the return. In XXXX I mailed {$1200.00}, which was returned to me. I phoned Ditech and spoke with XXXX, she indicated the late fee was not included and that was the reason the payment was returned. I included the late fee and mailed back to Ditech in XXXX. In XXXX, the payment was returned again to me. I contacted Ditech, spoke with XXXX XXXX on XXXX XXXX, 2017, she indicated the payment was returned because I mailed {$1200.00} and the payment is now {$1300.00} I am not sure what or where the fees are coming from. With the returned check there is no correspondence explaining the reason the check is returned. I have to call and find out each time what is going on with my mortgage. This is ridiculous. Ditech is holding the payment for a month and then returning the payment for non-payment, when in fact I am mailing the payment and they are sending it back to me. I do not want to lose my house because of a corrupt mortgage company or system.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

I submitted a complaint on XX/XX/XXXX about what I owe. Green tree responded and requested 60 days to respond. I called before my XXXX payment was due and asked if I am supposed to make payments while it is being investigated and the representative told me I am. I need clarification on this because according to the FTC and CFPB, Green tree is supposed to hault collecting payments until I have received a completed response. If that is so, why have my automatic payments still been drafted since complaining on XX/XX/XXXX? As, well, told by a Green tree rep that I still have to pay. Please let me know an answer and if my payments are supposed to be stopped because of that order, what does this mean in regards to my account and not being foreclosed if payments are n't received.
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NV)

My loan was transferred from XXXX on XXXX XXXX to Ditech. I have been making my payments on time. I received a letter from Ditech stating there is an escrow shortage of {$7900.00} on XXXX/XXXX/XXXX and stated that the payments would increase from {$850.00} to {$1000.00} on XXXX without explanation as to how there is a shortage on my account. I do n't understand how my payment for my escrow account could go up from {$100.00} to {$330.00} without a reasonable explanation. I tried calling to resolve without success and no answers to my situation. I received a history of account and it was so small that it was hard to read so I requested a new one that was in print I could read and they refused. I was able to tell that the account history does not provide an explanation for the escrow shortage. I did speak with XXXX towards the end of XXXX and I was told there was in fact an error made and I would have a response by the XXXX of XXXX and I called today with my counselor and the case is still in investigation. I sent a letter to request that the information be corrected or that an explanation be provided on XXXX/XXXX/XXXX and have still not received a response which according to regulations should have happened within 30 days. My first payment for the {$1000.00} is due this month and I do not have extra money to pay this higher amount ; this was expressed to Ditech and they said I still have to pay the full amount even though they have taken longer to investigate the case. My housing counselor spoke with XXXX and stated that I had no shortage on XXXX XXXX when it was previously serviced from XXXX. Counselor called Ditech during appointment and spoke with XXXX ID # XXXX who stated that I did not have an escrow shortage prior to loan transfer from XXXX in XXXX of XXXX and believes this is a mistake. Counselor asked that the issue be fixed before payment accrues late fees on the XXXX of XXXX, XXXX stated that the full payment must be made and stated the amount for the escrow would be refunded when it is resolved but I do not have extra money to pay {$200.00} more this month. I am now reaching out to you to help me resolve this issue with Ditech because I have not been able to get the issue fixed and they have not given me a date by when they will have this fixed.
Consumer complaint received 2015-06-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Voss & Klein, LLC (IL)

When I received the invoice from the XXXX I aske for a copy of the contract. They never forwarded it to me. I then started getting calls from a collection agancy calle Voss & Klein. The calls were relentless. I asked The collection agency XXXX to provide a copy of a signed contract and signature of with dates of approval of service by myself. The lady said if I don't pay she will continue to call me until I pay or wreck my credit. They have filed a collection on my credit report. She also state she did not have to provide me anything as I owe the debt.