davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: General Service Bureau, Inc. (NE)

On XXXX XXXX XXXX at XXXX I received a call from GSB inc ( XXXX ) XXXX. I agreed to make a XXXX payment for the medical bill currently held with GSB. I requested more information since the rep was indicating my debt would be sent to a lawyer. I was transferred to a supervisor ( XXXX XXXX ). I again indicated I would apply XXXX toward the debt. XXXX told me, paying that amount would not be acceptable and would not keep their lawyer from suing me. XXXX XXXX continued to threaten me that I would need to contact the lawyer and would not explain his threat of a lawsuit to me. I requested XXXX XXXX supervisor because I wanted clarification about the lawyer that was going to sue me. At XXXX on XX/XX/XXXX I spoke with XXXX - he indicated he was a supervisor at General Service Bureau Inc. I made a XXXX and requested additional information about the threat that I was going to be sued by the lawyer. I have not received any response from the company. After months of this company harassing me, repeated auto calls - some minutes after I made a payment, I now can not get them to contact me. This company has called me up to 5 times a day. I explained I will pay what I can to the debt. Before they threatened to sue me, I gave the company permission to leave phone messages. I was not attempting to avoid payment or the calls. A supervisor at GSB inc. threatened me that my payment would not prevent a lawsuit, yet I am unable to get a supervisor to call me back. Is it not against the law for a phone rep to threaten a lawsuit?
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

After graduating college I tried to get some information about my student loans from Navient on how to consolidate my loans so i could lower my interest rate. I was n't provided with any information. Navient seems like bullies when they are always " pay me, pay me '' and do n't care about the customer. I am {$100000.00} in debt with them because they failed to help me. Sometimes i feel like i have to chose between eating everyday or paying them. They say my monthly payments are around {$650.00} a month. They do n't provide enough information to the borrower and did n't let me know the interest rate and I am just finding out that all my loans are private which I thought they were federal loans. This is becoming a XXXX for me and I am out of options. I am asking you to please look into my account. I will provide screenshots of how much I owe and the interest rate on the loans. 

Thanks
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Pressler & Pressler, LLP (NY)

XXXX of XXXX and XXXX NJ is coming after me for a debt we went to Supreme Court In XXXX XXXX NY in XX/XX/XXXX. THEY were not awarded the judge ent and they are also a third party collector for a debt that goes back to XX/XX/XXXX? 
They sent me another letter this week demanding all my personal info including banking, car and mortgage! I was horrified and did not provide it to them! 
What should I do???
Consumer complaint received 2015-04-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

My student loans were through XXXX XXXX now Navient has taken them over. I am the borrower. My soon to be ex-husband is the co-signer. I 've never gotten any correspondence via mail, email and/or phone calls saying my loans were even due. Yet Navient began calling my ex telling him at XXXX to pay {$2800.00} right then or they would ruin his credit. He works for the XXXX. He was then called and said to pay {$450.00} and they would stop calling him. He called me I contacted them they were just as rude to me. Telling me I was divorcing him so he could n't be that good and I should n't trust what he was saying. I was then told I could pay them a Fee of {$150.00} to put my loans in forbearance. When I spoke with XXXX XXXX the supervisor and told her I 'd get a pre-paid card and call them back because the sites say they take amounts they should n't out of people 's accounts. I tried to work out payments with them and they said no. That if I did n't pay exactly what they wanted they 'd make sure I never get my divorce by telling my ex that I am refusing to pay. I called my ex and he said they acted the same way with him. I called again and they stated no one said theses things to us so I told them their calls are recorded XXXX XXXX got on the phone again and said they are for quality control and that if I record them she 'll have the police at my home and make sure my children see what a looser I am for not paying my bills. You ca n't communicate with them at they are nasty rude tell me to get a better job. Get married or marry someone with more money! They need accountability. All the compliants I 've read are the same. Why does the FDCPA even have rules if they are n't held accountable.
Consumer complaint received 2016-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

Equifax , XXXX and XXXX are reporting an account that does not belong to me from New York Federal Court. I sent a letter ( image is attached ) to the data furnisher that has been returned as undeliverable. 
The reported information is inaccurate & needs to be removed. Here is proof the information reported is wrong by the returned addressed envelope.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2020 I booked and paid for a flights to XXXX on American Express My flights were cancelled due to COVID in XXXX for flights booked in XXXX I have requested refund {$200.00} in a letter to Amex on XX/XX/2020 No response! 

XX/XX/2020 I sent a second letter requesting credit and renewing dispute The letter addressed to Amex Disputes XXXX XXXX XXXX XXXX Tx XXXX AMEX XXXX # XXXX XXXX XXXX Hope this helps to push American Express to address my case
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

id theft victim these following accounts do not belong to me XXXX XXXX XXXX XXXX. Authorized user XXXX Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX  XXXX and report the user of this card. I have my own XXXX XXXX card. 


XXXX XXXXXXXX card ending in XXXX balance is paid in full
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

The following inquiries are reporting on my credit report and have no permissable purpose. They were not authorized to get a copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA Section 605B It is illegal to report information on my credit report without my permission.
Consumer complaint received 2016-07-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

I lost my job in XXXX 2016. Since Wells Fargo offered a " home Preservation " Program, I reached out to them to alert them of my hardship. They were understanding and approved me for the Forbearance program. The way it was explained, was that if the homeowner qualifies for a hardship, then they would make a minimum monthly payment ( around {$50.00} - $ XXXX/month ) until the hardship has been resolved. Once resolved, the loan would be re-evaluated to determine how the loan modification would be worked out. So, I agreed to participate in the Home Preservation Program ( which should be labeled Home Foreclosure Expedition Program ). I found another job and started on XXXX, earning less than I did when I qualified for my mortgage, and notified WF of this accomplishment. My Home Preservation " Specialist '' was extremely kind and encouraging during this conversation. She requested updated earning statements so that the underwriter could determine which program was the best fit. I was ecstatic and hopeful that I would be able to maintain my home. Within a week, my Home Preservation Specialist contacted me to inform me that she had a decision from the underwriter and was happy to report that I qualify for the repayment program! This is a program where you pay your regular mortgage amount in addition to all of the " outstanding '' payments. I informed my ( Home Foreclosure Expedition ) Specialist that I am not able to make that payment. Additionally, I now, have a reduced income compared to what was used for qualifying me for my home. She only told me that was my only option ; that the underwriter came back with that program and I could take it or leave it. I begged with her that it makes no sense that I can pay more on a lesser income. It fell on death ears. She only told me that my first payment would be due on XXXX. I could not make the payment in XXXX, but called back in XXXX to make the payment and was informed that my loan was 5 months delinquent and that I was, now, in preforeclosure. I attemtped to contact the " specialist '', which now changed to a XXXX XXXX and he was no longer available. He would not return my phone calls and I started receiving calls from the collections department, threatening me of further actions. I contacted WF one last time and begged to speak with someone in Loss Mitigation, but no one observed my request. So, here, I have decided to file a complaint as I have a valid hardship and working to save my home. I am working and making a valiant effort to negotiate a fair plan with WF.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I attempted to set up a multiple payment system with Navient regarding a Private loan.When I called after exhausting all avenues of working on my own trying to set up a second payment to pay more towards the loan the company informed me that I had to make One Large payment rather then 2 smaller payments which equal the same amount.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I listed my house for short sale due to the banks inability to negotiate a loan mod, that loan mod has been going on for XXXX yrs. ( 2009 ) so as I was mentally exhausted from the ordeal I tried to sell my house via short sale and I feel they delayed the deal due to incompetence and we lost the buyer. They took over XXXX months and still have not accepted or denied the original offer. I thought they had XXXX or XXXX days to conclude the process?? I would like someone to validate their efforts or recognize their inefficacies
Consumer complaint received 2015-05-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: VIRTUOSO SOURCING GROUP, LLC. (CA)

It has reappeared after the balance was settled prior to XX/XX/XXXX. It was already satisfied in XX/XX/XXXX and was never {$200.00} that some fake inflation. It went into collections in XXXX XXXX and never went above $ XXXX-XXXX. This is against FCR Act protocol and the Virtuoso Company should be penalized for excess coercion.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (LA)

I submitted a loan application to Ditech Financial LLC, which is my current loan provider. I have a 30 year fixed rate loan at a 4.375 %. Based on my credit score, they informed me that I was eligible for a 30 year fixed rate loan at a 3.75 % interest rate ( APR 3.8 % ). I began the process of submitting all of the paperwork, and I was responsive within 24 hours to each of their requests. 

Even though my income has increased every year since the initial loan was made, they denied my loan application. After following up with my loan officer to explain that my income had increased every year, that I had provided all documentation substantiating that fact, and that I did not feel that the process was handled fairly, he wrote the following to me : If this is OK with you, I would like to take a new application and submit a completely new package to underwriting with all of the information completed and together. I believe we will have a greater chance of approval by doing this. The numbers look ok to me and I believe with a new package and a new underwriter looking at the file it will become approved. how does this sound to you? Please let me know if this is ok and I will rework everything and get you out the new paperwork today. I have been out for about a week so I am very behind and I am trying to get caught up. Not avoiding your call just on XXXX phone call then another. Please advise as I would like to do nothing more then to get your loan approved. 

When I inquired about the interest rate that I would be eligible for if I reapplied, and he stated that it would be a 4.5 % interest rate ( 4.79 APR ), which is higher than my current rate, and he falsely stated that this refinancing would save me money : That rate that we had on the old loan expired on XXXX, so we can not transfer that over to the new loan. Today 's current rate on a 30 year fixed rate is about 4.5 %, I would have to go in and make your new application to get the exact rate. But for an estimate a {$350000.00} loan with a 4.5 % interest rate ( 4.79APR ) makes the payment {$1800.00} which would save you {$21.00} per month. 

Given that this would be a new 30 year loan at a higher rate than I am currently under with the same provider, this information provided to me is false. I do not feel that the underwriting process was handled appropriately by Ditech Financial LLC and wish for the company to review my full income for a 30 year fixed rate refinancing at a 3.75 % interest rate ( APR 3.8 % ).
Consumer complaint received 2016-07-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have ask EQUIFAX XXXX times, to provide me with a copy of the original signed credit application and signed contract to provide proper verification of the account listed below. Per FCRA sec 609 ACCOUNT : XXXX XXXX ACCOUNT NUMBER : # XXXX
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (IL)

On XX/XX/XXXX, I authorized a payment of {$5400.00} to the Illinois XXXX XXXX XXXX XXXX XXXX ) via the loan servicer XXXX ESCI. I received an online receipt of this payment and online confirmation that it was processed. The intent of the payment was to pay off a XXXX XXXX in full. At some point shortly after ( I believe before XX/XX/XXXX ) XXXX transferred my loan to ESCI XXXX XXXX XXXX XXXX ( EFPLS ). EFPLS has no record of the {$5400.00} payment being made. XXXX ESCI still shows a record of the {$5400.00} payment, and per my calls to XXXX their records show the loan as paid in full. However EFPLS provides no mechanism to submit any documents and their customer service line insists that the university ( IIT ) must reach out to them directly. I have attempted to resolve this issue through XXXX several times ( starting on XX/XX/XXXX and most recently on XXXX ) and been assured that " it will be fixed '' but I have seen no concrete change on the EFPLS account. As of XX/XX/XXXX with the end of the student loan pause EFPLS has sent a demand for payment. Given the apparent inability or unwillingness of the parties ( IIT and EFPLS ) to resolve this matter or allow me to do so, I now escalate it. NOTE : This complaint was previously submitted and sent to XXXXESCI . They were not the appropriate subject of the complaint. The complaint should be directed to EFPLS and to a lesser extent IIT.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (IL)

Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. '' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all.
Consumer complaint received 2016-03-04
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants' Credit Guide Company (TX)

I 've been receiving calls daily from merchants credit guide for some medical bills. Last month we paid off a few of the debts, and I had asked if that was all of them, they had said yes. Today I received a call from them that I missed. I called them back to see what it was about. The lady on the phone was immediately very rude and not very nice. She had extrmeme attitude and began yelling on the phone at me. I asked for her name and all she would give me was a first name. All I wanted was information about my debt and all i got was anger and frustration. I spoke to her supervisor, who acknowledged her behavior and apologized, but I wanted to make a formal complaint against them, because it probably happens daily.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I have been consistently encouraged to put my loans in forbearance since 2012 when i first returned to XXXX College and then XXXX University XXXX to school, despite the fact that i am currently low income and have been for several years. I was never offered the opportunity to base my repayment amount on my income level, or informed that there were options available that would limit or eliminate the amount of interest accrued on my loans over time. I was also never offered the option of consolidating my loans. The push was consistently toward forbearance and interest accruing repayment plans.
Consumer complaint received 2016-02-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

I have a loan through XXXX XXXX which is now being handled by Navient. I was on a payment plan for a while, but then they said that I could no longer be on that plan. I have talked to several representatives, and always get a different answer. Currently, I am experiencing some financial hardship and can not pay the amount that they have billed me for. I have asked about setting up a plan that would be conducive to my current situation. I have been told that is n't an option, and now they are harassing not only me and my Grandfather ( who is my cosigner ) but other family members and friends as well. We have let them know that my Grandfather is retired and does n't have the income coming in to be able to help. Therefore, I have to handle the balance on my own. They call my Grandfather almost everyday and have resorted to now calling some of his friends from Church.
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC. (CT)

Midland Funding LLC, XXXX XXXX XXXX and XXXX / XXXX, XXXX, XXXX XXXX 

I defaulted on a credit card and they were sending me notices of collection to an address that I have not lived at since XXXX, therefore I was not receiving the notices. XXXX XXXX, XXXX I was served by a XXXX XXXX with a Small Claims Court notice which also had an incorrect address that was hand crossed out and my correct address hand written in. I called and made a settlement agreement and payment arrangements with XXXX XXXX of XXXX and paid {$420.00} towards my {$900.00} agreement. I also made sure that he had my correct address to send all future information. On XXXX/XXXX/XXXX I reached out to XXXX XXXX, Chief Compliance Attorney for XXXX to change my dates of payment. I have an email from him stating that if I pay the remaining amount by XXXX/XXXX/XXXX that no further legal action will be taken. On XXXX/XXXX/XXXX I received a forwarded letter with a State of CT Small Claims notice and court date. The amount listed for claim is inaccurate and my previous payments were not taken into account. Once again it was sent to an address I have not lived at since XXXX. I attempted to contact Attorney XXXX to discuss the court filing. He has not returned my email.
Consumer complaint received 2016-01-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

Due to unemployment was unable to continue with the payment arrangements made with Navient and they claimed they cancelled them. Several months went by and they started pulling money from my account again. Called and they assured me the auto payments were cancelled. next month again they pulled money, called on XXXX XXXX and they transfer me all over the place then told me that it was from the old payment arrangements and they could n't cancel as it was on a different computer system, they transferred me to the other department who acknowledged that the old payment arrangements were still in the system but they also assured me they cancelled it and I would not have any more funds pulled from my account. Today, again more money pulled from my account. Called and was transferred multiple times again because " unable to see my account information '' then they hung up on me.