davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (MI)

In  XXXX   two  times was contacted by Midland Funding LLC also  XXXX ,  XXXX ,  XXXX  by phone an have come to home they have Also called my parents home threating to sue me when they came to my home they screen my name out loud my daughter was home alone and was afraid I have asked them to not contact me again back in  XXXX
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I DISPUTE A 30 DAYS LATE ON MONTH OF XX/XX/XXXX, THAT IS REPORTING ON MY CREDIT REPORT INACCURATE. I RECEIVED RESULTS STATING IT WAS VERIFED. I DISAGREE, IF YOU WOULD VIEW MY FULL CREDIT REPORT IN YOUR SYSTEM. YOU WILL FIND THAT I PAY ALL MY BILLS ON TIME. THERE IS NO OTHER MISSED PAYMENT REPORTING ON MY CREDIT REPORT. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX I HAVE ALSO REACH OUT TO XXXX XXXX XXXX XXXX AS WELL. I HAD NO KNOWLEDGE NOR NOTICE OF THIS ACCOUNT WAS GOING TO BE REPORTING 30 DAYS LATE.
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

Naviet States that it will not go back to XX/XX/2014 an apply the payments that I sent in to the correct loan that was in repayment. They applied my payment over XXXX loans although only XXXX loan was eligible for repayment. Again they have record of me sending in payments but will not give me, well my mom seeing as it was a federal parent plus loan, credit for the only loan that is eligible for repayment.They turned the loan over back over to U.S. Dept of edu. In a default status.
Consumer complaint received 2016-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir or Madam : I recently pulled my credit and the following accounts are not mines. Someone is using them without my permission. Please remove the accounts promptly within 7 days and please stop the ability for them to continue to use my credit by putting a freeze on my credit report. Letters have been sent to the reporting agencies and the cfpb. I have attached the XXXX XXXX.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I have been paying on my student loan since 1993 at XXXX ( i have proof ) a month that has come out of my checking account ( I have proof ). The total amount borrowed was approx. XXXX. This was the agreed amount ( {$110.00} XXXX taken out of my account, never missing a payment. After paying this for over 20+ years they still say I owe over XXXX with fees and interest. I should not of had fees for default status because after I made 6 monthly payments I came out of default status according to the letters they sent me ( I have these also ). This has been a unjustifiable nightmare since I have complied and done what was agreed upon and set up by them, This loan should have been paid off many years ago but they continually tell me, I owe the XXXX No American citizen should be harassed by our government when they have done nothing except pay the debt. As far as I am concerned and by the facts I have, they owe me money for unjustifiable fees and interest that has been applied for no reason. Please advise. Oh and by the way they will help you in no way to resolve the issue.
Consumer complaint received 2015-12-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

1 ) On XXXX/XXXX/2015 received a letter in the mail that my monthly payment has gone up to {$220.00} form {$210.00} and my payment would be late if not received now by the XXXX instead of the XXXX.No notice as to why. 
2 ) Originally the loan was in my mothers name and mine, the payment was set for auto-pay out of her account.She past away in XXXX 2015. I contacted them and the bank immediately to let them know, and stop the auto pay on my mothers XXXX account. At that time I requested ( since I would be taking over the payments now ) that the payment due date be adjusted to accommodate my banking. They told me that they would have to finish processing my mothers death certificate first and then supervisor could assist me with that. When I called back and I was transferred to a supervisor XXXX he advised that they do not change the due date for any reason. And stated my contract stated that my payment was due on the XXXX of every month and I have a 10 day grace period so if my payment has to be received on or before the XXXX, or it would be considered late. I asked him considering that my mother was the primary on the loan and she pasted away, and was a good customer. If they would consider making an exception & adjust the payment due date. They said no. I also mentioned to them that I would also need a payment booklet, I still have n't received a payment booklet yet, and I always pay on or before the XXXX. I feel like this company is not following fair consumer practices. I feel like they are trying to make it look like I 'm making late payments when they are paid on time. They are not providing me with proper payment information as stated in their contract. To this date I still have n't received a payment booklet from them. It seems like they are trying to make it look like I 'm late on my payments. In order to make it look like they would have the right to repo my car. I do not trust this company. I 've always been a good customer paying on time, and I feel like they are being dishonest & trying to take advantage of me/ ruin my credit.
Consumer complaint received 2024-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (VA)

I was being charged more money in interest than the required monthly payment and the interest payments were charged twice a month. I was told this is the way Wells Fargo calculated the interest by the XXXX # I was given. They had to charge on amount of loan cap and not on balance. The way Wells Fargo calculated it was done twice a month. 
I was forced to close the loan and start paying off balance to stop this process. I make several principal payments a month and the loan required payment. 
I am still being charged interest twice a month. Therefore the balance is higher and ongoing interest is higher than it should be. 
This has been emotionally challenging as the payoff is not happening and with the economy rising the burden is increased. 
Extra principal payments should not be subjected to any interest. I feel that this is illegal and Wells Fargo will not accept responsibility or acknowledge responsibility. When interest for the month is paid with the regular payment they have it and I pay an extra principal only payment this should be interest free until time for the next payment. It is marked as principal only. Double interest payments are being collected illegally. Even a home equity loan seems to be a way for the bank to collect extra fees from clients needing to borrow money.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Data, Inc. (IA)

I have a debt owed that I am being sued for. A payment plan was set up in XXXX and a payment amount was agreed upon between the debt collector, myself, and IN Charge debt solutions. The creditor stopped payment without notification on XXXX. They are now seeing me for the total amount of the bill and not taking the {$210.00} we payed into account. They are also using a different name other than the company we payed ( A lawyer ) So we write a personal check to this Lawyer but when he cashes it the check clears at the original company ( Credit Bureau Data Inc. ). They are now still seeking the total amount even after I have provided proof to the court system.
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (FL)

To whom it may concern, I called Sallie Mae to proactively figure out a rate reduction plan that would help me pay less per month with a lower interest rate due to increasing living expenses. I have good credit and I have been making my payments -- I 'm actually ahead right now because I started paying large sums per month before my loans went into repayment. My Sallie Mae loans will soon require I pay a hefty {$350.00} per month ; this is on top of my other Federal loans and living expenses. My Sallie Mae loans are for less than my federal loans, but I pay more for them per month. 

The Sallie Mae representative told me that the only way I could potentially work out a rate reduction or refinancing plan with them is if I am currently under hardship. I explained that I am not, necessarily, under hardship -- though I do n't know what qualifies as " hardship '' -- but that I will soon be due to changes in my living situation. I will not be able to afford a {$350.00} to Sallie Mae and also pay for rent, utilities, insurance, etc ... 

The Sallie Mae representative seemed to sympathize with me, but she also seemed bound to an unspoken rule that disallowed her from helping a borrower who was looking to proactively take steps in order to not become delinquent on their loans. 

I need to figure out a refinancing or rate reduction plan with Sallie Mae before I suffer from delinquency, which could happen as soon as XXXX months from now when I move and settle in a different area. 

I 'm filing this complaint because Sallie Mae is not willing to work proactively with me as a borrower to stop delinquency, forbearance, or bankruptcy from happening.
Consumer complaint received 2023-04-16
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. (NY)

as of XX/XX/XXXX have notice fraud accounts n inquiries on my credit report ACCORDINGLY " FAIR CARES ACT '' LAW THESE FRAUD ACCOUNTS ETC MUST BE PERMANATLY AND INDEFINITLEY! 
list of fraud inquiries that must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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
Consumer complaint received 2020-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc. (FL)

I requested a documentation that shows that i have a binding agreement with the collection agency or the creditor, whom they are trying to collect on behalf of. They did not send me any information other than a letter stating that i owe an amount that i do not remember ever having.
Consumer complaint received 2016-03-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I received a final statement from XXXX XXXX XXXX XXXX, XXXX via USPS mail on Saturday, XXXX XXXX, 2016. The notice was dated XXXX XXXX, 2016 and had been mailed an old address. Monday, XXXX XXXX, 2016 I contacted them via the phone number listed in the letterhead, explained I received the statement, needed to change my address, and would have the first of four installment payments in the mail soon. 

According to the document one option of payment was to make " 4 equal interest-free installments '' and " The 1st payment due within 30 days of receipt of this statement ''. I put the first of four checks in the mail Monday, XXXX XXXX, 2016, also including a photocopy of the lower half of the letter with my signature as instructed in the document. 

No additional correspondence had been received from XXXX XXXX XXXX Associates prior to Tuesday, XXXX XXXX, 2016, so I mailed the second of four installment payments to the same address, with documentation as required. The following day I received a letter in the mail from IC System debt collectors, XXXX XXXX, MN, dated for XXXX XXXX, 2016, stating XXXX XXXX XXXX XXXX had sent my account to collections for delinquency. The amount of debt attempting to be collected was the original amount owed, minus the check XXXX XXXX XXXX XXXX had cashed on XXXX XXXX, 2016. 

I called XXXX XXXX XXXX Associates the next business day, Thursday, XXXX XXXX, 2016 and asked to speak to a supervisor. I spoke with a gentleman named XXXX, who confirmed my paperwork and check had been posted to my account on XXXX XXXX, and cleared XXXX XXXX, 2016. He said I would need to talk to the collections XXXX, XXXX, to further clarify the situation but she was " out of the office ''. I informed XXXX that I had already put the second installment payment in the mail, and left my name, account and contact information and asked my call please be returned ; it was not. XXXX also told me they would contact the debt collector on their behalf and explain the mix up ; they did not. 

Monday, XXXX XXXX, 2016, after no contact had been initiated by XXXX XXXX XXXX XXXX, I again called the office, was told XXXX was " not in the office '' and they had not received my check. I again told them I wanted my call to be acknowledged and returned. I contacted the debt collector who confirmed XXXX XXXX XXXX XXXX had made no attempts to rectify the misunderstanding, and it was suggested I dispute in writing with supporting documentation or my bad debt would by reported to credit bureaus on XXXX XXXX, 2016.
Consumer complaint received 2024-03-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I have XXXX AMEX gift cards I received from my employer. In the past, I have just used these to buy giftcards from other vendors of the exact same amount. However with this latest batch, it won't let me do that. 

I spoke with a really unhelpful employee from the call center who said in order for it to work, I can't buy a giftcard of the exact amount- it needs to be less. This makes no sense to me and would be fraudulent by the company if they are selling a giftcard that is actually less than the value they advertised. 

It's only XXXX giftcards worth XXXX total but I don't see how a company like AMEX can get away with something like this.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (HI)

I recently went through a very bad divorce that devastated me emotionally and financially. Due to the liquidation of assets and monies paid through the process I began struggling to keep up with my mortgage payment and ended up defaulting. I am contacting your organization because my lender SLS has refused to open an inquiry into my situation and has failed to provide me with any information that would allow any sort of reconciliation process to begin. 

I bought my property in XXXX and refinanced in XXXX into a very bad adjustable rate loan with a rate that starts at 6.97 % and can only adjust up that had a two year prepayment penalty. I have been told that these type of loans are no longer allowed because they are not " qualified mortgages '' and they are predatory and the lender issuing them is potentially liable. Even though I have this loan with a high interest rate and increasing payment I have paid as agreed on this loan for nearly 10 years. As I mentioned I went through a painful divorce which hit me hard, affecting my income and my ability to pay my bills. I had no option to refinance due to depreciation of the property and ended up falling behind on the loan. 

I reached out to SLS at that time in order to try and get reviewed for in house and government programs that would give me the opportunity to get back on track with the mortgage. I spoke with agents at SLS and was told that they would be willing to help me and that the forms I needed to fill out and complete would be sent to me. After several weeks went by, I reached out again to try and get these forms sent but still could make no progress. As I got back onto my feet financially I reached out and attempted to make my regular monthly mortgage payment but was told that SLS would not accept anything other than the full amount past due. 

Since that time I have been trying to get a conversation or process started with SLS that would allow me to get my rate and payment lowered and get into a more stable loan that does not constantly increase. However, I have been stonewalled and obstructed by the SLS staff and have not even had a review opened ( to my knowledge ). I am gainfully employed as a XXXX, and my live in girlfriend works as well and contributes financially. I believe that if SLS were to actually review my information they would see that I qualify for the retention programs that were funded by the government -- but the problem is I ca n't get their attention onto my case. 

I realize that this is my fault and that I am behind on the loan, but I am not in a position to repay all of the late payments in one payment, which is the only option SLS has given me. I believe there are other options available, unfortunately SLS has not even given me access to these options and that is why I am filing this complaint.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

XXXX , EQUIFAX have re added inquirys that were removed from my reports.    XXXX   XXXX   XXXX  -  XXXX   XXXX  -  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -   XXXX     XXXX   -   XXXX   XXXX   XXXX  , were all removed from my reports th en re adde d again, these are not my inquirys these applications were done without my permission.   I have asked  XXXX  several times to remove false information from my reports, i have sent several certified letters which they did not reply.   i have asked for proof of such as names and phone numbers and proof of verification and they have ignored or refused to comply.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

To Whom This May Concern, After reviewing my credit report, I noticed that the balance being reported for my self secure credit card through XXXX XXXX is reporting inaccurately. You have a balance of ( {$99.00} ) of being owed and according to my records that amount is inaccurate. 
This account should be listed as ( paid in full ). These accounts appear to be furnished by the same creditor so why is all the provided data different. 
I have attached a copy of XXXX my credit card statement that proves your balance is in correct ). 

Thank you,
Consumer complaint received 2016-05-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My husband and I had a mortgage loan with XXXX and a second mortgage with XXXX Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of XXXX years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to SLS, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification SLS continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. XXXX was XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. XXXX would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX XXXX. XXXX would not agree with any option that was put out there so the couple found another home. The next day XXXX called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now SLS continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. 

So on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. 

I fully understand if there is criteria I have not met, but to simply be told " You 're not eligible, and we ca n't tell you why '' does n't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than " Better luck next time ''.