davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (CT)

I purchased a house XX/XX/XXXX, and XX/XX/XXXX XXXX. I have been in and out of work since, and have continued to make mortgage payments to the best of my ability. XX/XX/XXXX, Vanderbilt Mortgage purchased my mortgage, and XX/XX/XXXX I reached out to them to explain the situation and begin the application process for their hardship program. To date, I have not been able to complete the process because XXXX has repeatedly lost or claimed never to have received documents from me and has continued to request additional documents whenever they receive what I have been told is the last set of paperwork they need. Approximately a month ago they finally had all of the necessary paperwork, at which point I was told that the process had to be restarted because it had taken so long. They have called me, as well as my fiance who 's name is not on the mortgage, approximately daily for months to demand repayment using offensive and condescending language and it has become readily apparent that they are operating in bad faith regarding their hardship options. They have refused to accept partial payments and are claiming that because I have been unable to continue to make mortgage payments while they dragged out the hardship application process, I am now in danger of foreclosure unless I pay the entire outstanding overdue amount within the month.
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC (MA)

They have called me numerous times and have said they are trying to serve me, but the local civil court has no knowledge of me being served. I Demanded a debt validation letter by US mail. They give me an attitude and threaten to call everyone I know after I told them to stop calling anyone but me. I have no remembrance of the debt and I 've asked for them to take it to civil court and id be happy to go and resolve. They continue getting angry and wont let me speak and just continue saying they will call anyone they want. 

There have been many complaint about this company XXXX XXXX XXXX reference # XXXX Here are complaints by other consumers. 
XXXX
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO. (GA)

I have been attempting to arrange a payment plan that i myself could maintain. While in doings so I have recieved the run around via telephone for months when trying to communicate payment arrangements and/or agreements. I have tried communicating with them atleast once a month upon my first letter to start repaying this loan.
Consumer complaint received 2016-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Transunion has listed negative information on my credit report that is not true. I do not owe XXXX XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX any money.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I submitted a complaint to Experian XXXX XXXX about certain debt they was reporting on my credit. They submitted an explanation explaining that everything was accurate after they reviewed but did not provide proof to the CFPB or to me about the contract I suppose to have with this debt that make me obligated. I am asking for legal contracts I have with these debt collection.
Consumer complaint received 2015-11-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IN)

i have contacted chase bank many times, and i have got no response from them, i lost my job due to my health and i am XXXX and on XXXX ..i return my auto back to the auto dealer ... chase bank lie on my credit report and posted that they repo. my auto ... i had XXXX witness and mailed a certified letter to chase bank as well..now chase bank wants to be real XXXX and cause damage to my credit report by doing a credit inquires to drop my credit scores ... i have spoke with a atty ... and if chase does not stop i will expose chase bank, ,and since a XXXX vet i am sure that would make good news story ... i am so fed up with chase bank.i have mailed them at lease XXXX packets of information and i have been very honest with chase bank ... what really made me mad is the few times i would talk to someone at chase bank, ,i was told by a chase bank staff lady that they could not get close to there customers ... i have work in XXXX for 27 years,,, i have never herd of such a poor excuse ... i have learn with chase bank being honest with them is not chase bank wants..XXXX i should have just kept my truck and cut the gps system and chase bank would have never found my truck ... as i have said i am not going to put up with chase bank causing damage to my credit report ... .if this how chase bank treats people that are XXXX and XXXX veterans ... chase bank needs to close there doors ... ..
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OK)

Immediately signed up to EdFinancials new student loan portal before the first payment was due in XXXX. Applied for SAVE program. Was at first able to log in. 

A few weeks before student loans were due, I tried logging in and every day since have receive errors that no loans are in record and my account is blocked. When calling, the phone system goes into a loop of entering your date of birth, social security number. Chat is never online and available. I emailed before my loans were due, and never received a reply. 

I received an email near XXXX that I had a message in my account, and could not log in. I just received a statement showing I have almost {$3800.00} due on XX/XX/XXXX! I should have {$120.00} max on the SAVE program, but I have no way of contacting them. 

This is ridiculous.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MD)

Please see the attached. Since I've had so many issues with Edfinancial, I decided to XXXX search them to see if they have had any issues and found the attached civil case against the company. 

So what has happened is I have been trying to get some clarification around my repayment plan ( s ). Why my loans have two different terms. One loan has a 10 year term which will balloon to payments I can't afford. The other has a 25 year. One loan is eligible for the extended fixed but the other one isn't. I was told by one rep that there are 4 repayment plans that I could be on even though I can't see what my options are for each. I was told by another rep that it's only 2 plans that I'm eligible for. 
How am I supposed to move forward without all of my options? I feel like they are trying to mislead me into making these payments with these terms like I have no options. Now the first payment is due in two weeks and I still don't know anything. 

I have called at least XXXX times since XXXX to get clarification around my repayment plan ( s ). The wait times are ridiculous giving you wait times of 10 hours which they give you in minutes ( 600 minutes ). So you more than likely will have to receive a callback. Sometimes I would get a callback and sometimes I wouldn't. I get the callback only to find out the representative can't answer my question or help me and need to escalate. Never get a callback. I eventually asked to have a supervisor call me back. The first supervisor I spoke to said she would have my account corrected and updated. I checked my account on the website after 10 business days like I was told.The update never happened and it was supposedly submitted as an emergency. I called on Wednesday after being on hold for 2 1/2 hours and asked to speak speak to another supervisor. I got a phone call back from another rep who didn't provide me any more help so I said I will wait for the ( 2nd ) supervisor to call me back and I was unable to answer. That brings me to today, called again and was told by the rep that the supervisor made notes about me asking about why my payment amount increased. I said that I never asked about that and I wanted to talk to a supervisor. She wanted to give me the same song and dance about a supervisor calling me back and I refused. She said she couldn't which I know is not true because I've dealt with these situations and I feel like since they knew that there was no way I could go any further, she eventually hung up on me. Her name was XXXX. So here we are. 

This is a condensed version.
Consumer complaint received 2015-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Thunderbird Collection Specialists, Inc. (AZ)

I received a phone call on my cell phone demanding to talk to someone that my number does not belong to. I do know the person but I very seldom talk to her. I informed the person calling that I no longer talk to this person and he got angry and said I need to tell her to call him. I again told him that I did not talk to her anymore and he got more nasty and told me that she put me down as a reference and I needed to tell her to call him. I again informed him that I did not talk to hardly at all anymore and he said that he did not pull this ( my ) phone number out of thin air and to give her his number. He refused to listen to me that I did not talk to her anymore and continued to harass me about her. I finally told him I would take his number just to get him to leave me alone and stop harassing me. He would n't tell me who he was with so I had to use a reverse phone directory to find out who was harassing me. It seems that the person he was calling about owes money, this has nothing to do with me, I know nothing about this debt and he would not get off my phone. he got nasty and kept harassing me about someone I no longer live with or talk to very often.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (FL)

XXXX only began to service my student loans in XX/XX/2023. At that time, XXXX erroneously reported my account 90 days delinquent which is not possible because XXXX became my loan servicer in XX/XX/2023. At the same time, EdFinancial, my previous student loan servicer erroneously reported my accounts 90 days delinquent which caused my XXXX XXXX to plummet XXXX points! XXXX accounts were reporting 90 days delinquent. Now, XXXX is reporting 60 days delinquent and current, which is also erroneous. 

EdFinancial is reporting 90 days delinquent and a XXXX balance because the account was transferred to XXXX. XXXX accounts should not report the same erroneous information. According to consumer protection laws, EdFinancial should be removed and XXXX should report paying as agreed.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (VA)

I can not access my account and never received the credit card. I am attempting to make a payment as I have made a purchase on my XXXX account. The customer service representative can not accept payments and the automated system that it refers you to only hangs up XXXX. The customer service rep for XXXX said she does not have another number that I can reach out to Synchrony Bank at she told me to call back after XXXX. I ca n't get out of a loophole with simply trying to obtain my credit card and simply making a payment.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have XXXX ( XXXX ) credit cards from Capital One Bank. I attempted recently to combine my cards and Capital One denied me with good cause as according to there website, I did not qualify. 
I worked very hard for over a month to meet the requirements. I attempted again meeting the announced requirements and yet again, I was denied. The requirements listed were : " XXXX of my cards must be in good standing, XXXX of my cards must be at a XXXX ( XXXX ) balance, both of my cards must be linked to online banking, and neither XXXX of my cards should have pending transactions ''. I called the bank and was told they could not tell me why I was denied because I met all the requirements. I also filed against the bank VIA XXXX. I received the same response from the bank VIA the " XXXX '' as I did from the customer service reps. All I want to do is combine my cards to make it easier for me to manage my credit and pay my bills. If this is not possible and the account combination is a hoax, it is not funny and it should be taken down.
Consumer complaint received 2015-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Lazega & Johanson LLC (GA)

Being sued as a cosigner for my sons loan to attend XXXX XXXX XXXX University in 1995 by a Debt Collector ( Law firm ) which specializes in obtaining loans written off by a private lender and still attempts to collect on said loan for their own individual profit purposes in addition to attempting to also collect an excessive amount of interest. This law firm is operating as a debt collection agency not specifically hired by the original lender but instead employs " fishing tactics '' on credit bureau reports in an attempt to gain individual profit. I was not sued by the original lender XXXX XXXX XXXX who had this loan guaranteed by the Federal Agency responsible nor by any Federal entity but instead by this particular debt collection company. I an unable to afford an attorney to represent my interests nor am I able to obtain the necessary documents to fairly contest the numerous an excessive amount of legal motions being directed against me in an attempt to intimidate me into paying as a cosigner for my sons student loan. I strongly feel that as a XXXX XXXX I am at a distinct legal disadvantage in this matter. I also believe that this debt collection agency has unfairly obtained the rights to purse me for repayment for the loan in question. Please provide me with assistance in any way or form legally permissible. When I attempted to make arrangements to repay this loan I was informed that the interest alone would be XXXX the amount of the original loan repayment and that even XXXX per month would not reduce the amount of principle involved. I am concerned the debt collection agency Law Firm involved will attempt to get a summary judgment against me.
Consumer complaint received 2015-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (AR)

I am XXXX military. I 've had a mortgage loan with PHH since XX/XX/XXXX. I 've never missed a payment until last year. In XXXX of last year I found out my husband was XXXX from the military and I would be the only XXXX with a job and we have XXXX kids. I contacted PHH ( XXXX XXXX ) in XX/XX/XXXX to request aid with my load. She had me fill out some forms and submit tax returns, pay and bank statements. Since then we have gone back and forth. She continues to ask me for the same forms and documents I 've already submitted multiple times. She will tell me that 's all she needs and my case will be submitted but a month later she sends me an email asking if I still want to do a deed in Lieu request and again asks me for the same forms again. This has been happening for almost a year. My husband got out in XXXX of last year and I started missing my mortgage payments. My credit is ruined and my deed in lieu of still has n't been submitted. I 've contacted her supervisor ( XXXX XXXX ) and she had XXXX XXXX contact me again ( a month after I contacted her ) asking for the same things I 've sent at least XXXX times. I 'm stuck and do n't know what I can do. No one can be this incompetent of they must be playing with me so they do n't have to help.
Consumer complaint received 2015-06-02
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (CA)

Discover Student Loan has been holding onto {$17000.00} of my money for over 3 months and is not returning the money to me or the company I used to refinance my student loans. 

I took a loan from Discover to cover my tuition ( Loan ID : XXXX ) Discover sent a payment for my tuition to my school ( XXXX XXXX XXXX for {$17000.00} in mid XXXX 2015. In XXXX 2015, I refinanced all my student loans with XXXX ( XXXX ). So XXXX sent a check for all my outstanding balance to discover on XXXX XXXX, 2015. XXXX XXXX has a rule that they wont accept funds from loan providers if the the student is enrolled in less than XXXX credits. Since I was n't enrolled in XXXX credits, XXXX XXXX returned the tuition payment of {$17000.00} back to Discover in early XXXX, 2015. I paid my tuition out of my pocket. 

Since then, I have been calling Discover on a weekly basis to have them return this {$17000.00}. I told them they can either send me a check or send it back to XXXX. 

Every time I call Discover I get assurances that this matter has been resolved and the check will be mail out soon. To date I havent seen this money in my account ( personal or XXXX student loan ). 

Please help me resolve this issue with Discover. It have been over 3 months and I need to money to pay off my student loans. 

Thanks, XXXX
Consumer complaint received 2015-11-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

Chase sent a partial response to my complaint XXXX and I could not respond, therefore, for the record:XXXXXXXXThe response from Chase Bank is very typical of this company and the company tactics they promote to home owners in default wanting to refinance under the HARP plan. 
Chase knows who I am ... .... if the professional employees who work within the EXECUTIVE offices do not know how to do a customer SEARCH within Chase database ... .I guess that highlights exactly what is so WRONG with this company. 
Chase stalls, misleads, makes statements to loan owners that is NOT correct and Chase will not admit that Chase representatives make horrible errors working with home owners in default. Therefore, the mortgage errors become the home owners fault NOT Chase. Home owners then face auction sales, because Chase refuses to process HARP paperwork. 
IF Chase really does refinance under HARP then:1. Process paperwork on a timely manner to meet federal guidelines. 
2. STOP threatening home owners with wrong statements. 
3. STOP sending properties to auction - even when they are processing HARP paperwork. 
4. SEND loan modification plans to home owners NOT bogus plans that mislead home owners. 
5. Communicate accurate property values to home owners NOT bogus appraisals. 

If Chase was more accurate and honest with their COMMUNICATION I would pick up the phone and call them. However, as proven ( by written documents from Chase ) Chase verbally misleads and makes horrible statements to home owners. When a home owner challenges the wrong statements Chase only says " SORRY FOR THE CONFUSION, YOU MUST HAVE MISUNDERSTOOD WHAT THE CUSTOMER REPRESENTATIVE SAID '' Yeah right!
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

A California state tax lien was filed in error against me in XX/XX/XXXX and recorded in XXXX County for a total amount of {$2500.00}. The Ca FTB claimed I never filed taxes for tax years XX/XX/XXXX and XX/XX/XXXX and began sending notices to an adress I DID NOT LIVE AT NOR EVER LIVED AT so I had no way of knowing about the proposed lien nor was i given a fair opportunity to respond to and clear up the proposed lien by simply refiling my tax returns for those two years. I only learned of the liens ( XXXX In XXXX XXXX County, Ca and XXXX in XXXX County, Ca ) after personally checking my credit reports from all XXXX bureaus after being denied credit XX/XX/XXXX. I began contacting all XXXX credit bureaus shortly thereafter and after sending indisputable proof the liens were filed in error XXXX removed both tax liens, XXXX XXXX removed both tax liens ( After a long, drawn out brutal struggle ) and Equifax removed the XXXX XXXX County filed lien. I owed very minimal amounts for XX/XX/XXXX and XX/XX/XXXX ( Approx {$130.00} total which i sent money orders for both amounts on time during those tax years ). After refiling tax years XX/XX/XXXX & XX/XX/XXXX the Ca XXXX waived all penalties and interest and i was left to pay a very small recalculation for tax year XXXX of {$35.00} because i calculated wrong during my addition/subtraction of tax owed. The {$2500.00} was tax i owed for both years but i had sufficient monies withheld to cover both. I have submitted to Equifax by fax 1. Original FTB Notice of intent to file state tax lien which clearly shows the WRONG ADDRESS so i NEVER received ANY NOTICES. 2. An original copy of my XX/XX/XXXX XXXX which also clearly displays my correct XX/XX/XXXX home mailing address. 3. Original copies of my XXXX & XXXX Ca state income tax returns showing amounts owed. 4. A copy of my FTB payment history which shows i paid a total of {$35.00} for tax year XX/XX/XXXX and shows i did NOT owe anything for tax year XX/XX/XXXX. I have disputed this information at least 5-6 times and Equifax refuses to inform me how they conducted their investigation and states it is in fact a correct filing whereas the Ca state FTB even stated they were in error but since it was already filed its part of public record. This lien filed in error has prevented me from obtaining credit and is the only black mark on an otherwise perfect credit report. After much researching I have found Equifax has engaged in unfair and illegal practices regarding investigations into correcting consumer information.
Consumer complaint received 2015-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

U.S Postal Certified Mail No : XXXX MN XXXXCc : XXXX, TX XXXXEquifaxXXXXXXXX, GA XXXX, P A XXXXXXXX,2015RE : XXXX XXXX -REQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Minnesota Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions: