davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STATE FARM BANK, FSB (ID)

We have a mortgage through State Farm Bank. The beginning of the year they started generating mortgage statements/coupons on the XXXX of the month. Since then every month it takes XXXX 12 days for it to reach us. Our mortgage is due on the XXXX of the month, so the document reaches us about XXXX3 days before our due date. I have called & spoke with XXXX supervisors who basically say there is nothing they can do. When I have requested duplicate documents from the same location they ALWAYS arrive within 4 days. Is there something you can do so that we receive our mortgage payment coupon AT LEAST 10 days before our due date?
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Plus Inc (AZ)

On XXXX XXXX, XX/XX/XXXX we received a discharge of our chapter XXXX Bankruptcy, which included XXXX accounts with XXXX XXXX. When applying for a mortgage prequalification, XXXX of the accounts show a BALANCE and LAST LATE of XXXX. Another shows a BALANCE of {$0.00} with a LAST LATE of XXXX. Credit Plus, Inc is the credit reporting agency used by my mortgage lender. On my XXXX report of XXXX/XXXX/XX/XX/XXXX these accounts have a status of " Discharged through Bankruptcy XXXX XXXX ''. I do not know why Credit Plus has this shown differently on their credit report.
Consumer complaint received 2015-06-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (MD)

XXXX bill I do not oweXXXX bill made in my name at a third party store.The address XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX. I do not live there my information was stolen.I send in a police report identity theft too XXXX last year on this same bill I talk the people at XXXX about this XXXX for over a year it was taken off my credit report in XXXX 2015 and this company put it back on enhanced recovery company. so please contact me so ... we can make arrangement to get it off my credit .thank you
Consumer complaint received 2016-06-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC. ()

In XXXX XXXX I called my Vehicle loan department to ask if they Allow me too Take the Vehicle out of Country? I advised them I was a XXXX Veteran Moving too the XXXX XXXX, I was told over the Phone by the Rep she would have to request for it and I should be notified. In XX/XX/XXXX I called again and they said the same thing? I called back XX/XX/XXXX and the Rep that took the call Advised me I could not take the Vehicle out of Country, I told the Rep Fine I am doing a voluntary surrender Please come get the car I am Leaving in XX/XX/XXXX she said Ok! 
In XX/XX/XXXX I called Again because I seen it still open on my credit report the lady said I had too fill out forms to turn the car Back In I told the Lady I was XXXX XXXX I was not flying all the way back to the United States to Fill out a Form to do voluntary surrender if that was the cause why I was not informed when I called in XX/XX/XXXX and XX/XX/XXXX?. The Vehicle sat in the Apartment complex for 6 Months the Finance Company to even tried to get the car I voluntary surrender because I was not allowed by the Contract to take it out of the Country! I called again in XXXX XXXX From XXXX XXXX to see if they got the car Yet? I was told no and asked me for a number to get in contact with me I gave them my Cell Number here in the XXXX XXXX. Like 2 Days Latter I had an Investigator call me asking me where the Vehicle was and he Was Hired by Exeter to get the car back! I asked him why they did not get it back in XXXX when I did I voluntary surrender! He did not know and asked me for my Help! I told him my Wife also tried to turn it in and was told I had to fill out paper work Too before they could take the Car Back. I told XXXX the Investigator that I would personal go back to Texas and See if I could help find the Vehicle and at this point I did not Know because my and my wife was going through a rough time and I had not spoken to her for 3 or 4 Months at this point. I told him I looked at my Credit report and did not like the Fact that they put Missing Payments and add more to the Payoff! He said he understands and I bought a ticket to Texas trying to find the Vehicle I called all over and no one had it towed I final got ahold of my wife and she told me she droped it off at XXXX in XXXX! She did not tell me which one since we have been fightting I Called XXXX the Invesitagtor right away to let him know of the Information I had and what I was doing to try and find out what Dealer at Car Max she droped it off at? I left Texas on XX/XX/XXXX. and Still very upset they I the Consumer had too spend all my savings to go back to the States in order to help this company that did not care about this in XXXX XXXX and who has Put missing Payments on my credit report add more money too pay off is Crazy!
Consumer complaint received 2016-02-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (CA)

I have a loan for a XXXX XXXX XXXX with Exeter finance. I have found a payment of XXXX dollars dated XXXX XXXX for which my account was not credited. Also I am not able to ever get a breakdown on how much of a payment went toward principle, it is very difficult to get answers from their Customer Service I have in times past spent hours trying to determine why my payoff remains so high.
Consumer complaint received 2015-04-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC. (CA)

I totally disagree with Exeter Finance Corporation 's response. Exeter Finance Corporation failed to address the Real Issue and is hiding the fact that they are scamming consumers. Exeter Financing is a scam and its Shady Financing is unscrupulous. On or about XXXX 2014, I entered into a Retail Purchase Agreement with XXXX /Exeter Financing Program XXXX I was NOT employed by XXXX at that time and was not told that I would be fired if the Customer Rating falls below XXXX. XXXX XXXX failed to do a thorough check on my " Proof of Income '', thus without checking the income they put me in this high interest loan with exaggerated monthly payments. Driving for XXXX never generated that much of income to pay that high monthly payments. The intricacies of their financing program has really hurt my credit score and is n't helpful at all. It basically is a trap in a cycle, working for XXXX to pay for the car I signed up for under the guise of steady, gainful employment from XXXX. As stated in my claim I was terminated just a week after my purchase of this vehicle. On or about XXXX 2014, I made many calls to Exeter Finance that I would like to surrender my vehicle but they hang up on me and told me not to contact them anymore. I contacted Kia Dealer and they informed me to contact Exeter Finance as the car now belongs to them. Enclosed is my letter to Exeter Finance requesting them the same. However, they ignored me completely and continued to bill me for this high funded loan. I did not enter into any kind of agreement or sign any documents with XXXX as an Independent Contractor, the findings from government agencies state that this strictly an employee status NOT an Independent Contractor. Thus Exeter Financing Auto Loan is a fraud and scam, the drivers ' paychecks are docked to repay the auto loan. XXXX takes a 25 % from their driver 's and additional fees, there is no way a driver can pay {$980.00} monthly payments with this loan structure and unstable employment from XXXX.
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: D&A Services, LLC (FL)

I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.
Consumer complaint received 2016-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MD)

XXXX has sent this account to several different debt collectors. I did have XXXX at one point but the service was so bad and the technicians had to come out 6 times. The service was never corrected. Enhanced never sent me a validation request letter.
Consumer complaint received 2017-01-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (IL)

Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (MI)

I got a phone call from Procollect Inc in XXXX XXXX about a debt that I did not know. This debt is based on the leasing contract of the apartment that I have never lived. I thought it was scam and ignore it. But I got a mail from this company in XXXX XXXX. After checking my credit record, I found that it was appeared in my credit record in XXXX XXXX. 

I requested Procollect Inc to send the proof showing I owed this debt in XXXX XXXX. They sent a leasing contract between DTN management and the person who had a similar first name and same last name, and went to the same University to me. However, that person is a clearly different person from me based on the full name, gender, passport number, and student ID and degree based on the record in the contract. 

I sent a letter stating that I am not the person who owes that certain debt with a proof ( a copy of my passport ) in XXXX XXXX via certified mail. However, Procollect did not respond after that. 

Now I find that the name of the person who made the contract with XXXX was added to my credit record as XXXX of my names and this debt is still in my credit record ( as in XXXX XXXX ). My credit scores have been dramatically decreased since they called me.
Consumer complaint received 2016-11-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Machol & Johannes, LLC (CO)

I submitted a request from Macho & Johannes LLC at XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX and requested the balance on XXXX accounts that I am paying through a consumer credit counseling agency ( XXXX ). About three weeks ago I submitted this request and I have received no reply back. I am going to fax over the request today and I am providing you a copy of the letter below. 

XX/XX/2016 Machol & Johannes XXXX XXXX XXXX XXXX XXXX XXXX CO. XXXX Toll Free : XXXX General Fax : XXXX XXXX XXXX XXXX. 
*********** XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX Account Balances : I sent an email about three weeks ago requesting the balance to the following accounts ; XXXX ; XXXX ; XXXX. I need to show my employer that I am making progress on these items. As you know I am XXXX and this affects my clearance and my job employment. 


XXXX XXXX XXXX.
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (IA)

XXXX XXXX /navient are not reporting my payments on the credit bureau just only the balance. So when I apply for a loan they tell me that I do not pay my student loans ( XXXX XXXX / navient ). XXXX XXXX /navient loans automatic comes out of my checking account each month for the last 4years. Please Please help me!
Consumer complaint received 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

In 2006 I took a a loan through XXXX XXXX ( now Navient ) in the amount of {$20000.00} to attend XXXX XXXX University in XXXX Michigan. I tried to contact them many times to work out a payment plan and they would ask for an upfront fee in order to ring my account up to date before proceeding. Once I gave them the money they would tell me that they could not do anything for me now and to call back before my next payment would be due to work something out. When I would call again they would not be willing to work out a payment plan. Since then I have stopped answering calls from navient who is also hounding my co-signer. They call on the weekends and at night time hours. Last week my mother informed me that a letter was sent to her home from navient saying that I have until XX/XX/XXXX 2015 to contact them or I would go into litigation. Why was this letter not sent to my address they have it on file. I do not see my parents every day. I have been doing research on Navient and it seems that many people receive agreements on payment plans but since they have not gotten anything in writing those plans are not honored. Many people on the internet advise to record the phone calls you have with them online. Today XX/XX/XXXX 2015 and I attempted to speak to Navient about my loan but NOT A SINGLE PERSON was willing to speak to me with the conversation being recorded and on top of that after inquiring why the representative was extremely rude and told me that she would hang up on me. Not even the account manager or higher ups were willing to speak to me under the condition of their voice being recorded. All I want to do is to be able to set up an affordable payment plan with this company but it seems that they are unwilling to work with their customers.
Consumer complaint received 2016-04-26
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (MN)

My Social Security is directly deposited into an account through Direct Express. In XXXX of 2015, my account was charged 96 times for the XXXX XXXX XXXX, with charges ranging from {$4.00} to {$30.00}, totaling {$580.00}. While I have visited the XXXX XXXX on several occasions, I have not incurred this number of charges, nor have I done so over the course of 2 days. 
When I initially addressed the issue with Direct Express, I was told that I had incurred these charges over a period of months and never charged for them until XXXX XXXX and XXXX XXXX. I have been in contact with the XXXX XXXX as well as the XXXX Police Dept. who informed me that this was a glitch that the XXXX XXXX experienced with their credit card system and that their credit card machine had no way of holding onto previous charges and then taking them out on one particular day. This same glitch happened to multiple patrons, and they have all been reimbursed for the charges.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

Received a phone call today on XXXX XXXX XXXX. This company called XXXX XXXX XXXX, offered a consolidation of my loans. The called originated from New York. They were trying to solicit FSA ID which I did not give. Also try asked for my name, amount of debt, and zipcode which I gave. They later transferred me to another individual and claim to be affiliated with the Department of Education. Once I was transferred the call abrupt ended and the caller end the phone call.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I tried to consolidate my loan into my home loan when purchasing my first house XX/XX/XXXX. Navient told me that unless I was getting an FHA loan to cut them a cash check with no 3rd party that they could not accept the money. I just wanted out of the interest rate nightmare we are all facing. Its going on 13 year now of paying off this loan and it still haunts my life even though I 've paid over the amount of the principle. I would like to save for my sons education however I am left trying to pay for a degree I earned XX/XX/XXXX. They call you to make sure you can make your upcoming payments. I also found this is a strange practice. 
I used to go over into the grace period when I was first eligible for repayment, I was XXXX and making XXXX a month with {$650.00} rent and {$190.00} car payment they still would not let me consolidate until many years later. It was basically a 3rd of my liveable income for a few years ( at the time it was XXXX XXXX ). I would get calls about when I was planning to make my payment every month multiple times and tried to talk to them about consoldation or hardship deferment and the representative would either hang up or tell me I was not eligable. None of it made sense. Literally years of run around to where you just throw up your hands and pay them as best you can.
Consumer complaint received 2016-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

XXXXNaveint : Loan is a loan that came due in XXXX XXXX upon XXXX. Still paying on loan ( almost 16 years ). Payment was {$390.00}. In XXXX XXXX we requested auto pay be increased to {$480.00} with the goal of paying the balance off in 5 years. Current employer is reimbursing us annually from XXXX - XXXX timetable for the next 5 years for student loan. The XXXX XXXX payment was changed to {$140.00} without our knowledge, consent or direction. when calling them today they said that they did an internal audit that reduced the payment. I told them we had no desire to have the loan extend to the 30 year timeline nor was it their decision to make this change without direction and/or permission. This seems to be an illegal and immoral business practice on their part. It looks like they have been audited on their business practices before. It it has happened to us, I am sure this is a larger global business practice. I pushed payment to them of {$390.00} - supervisor is suppose to manually post it with the auto payment and put our payment back to the {$480.00}. How many customers have they done this to. How many customers are n't paying attention. This error would have also cost us money on re-reimbursement as well as increasing the term of the loan. 

XXXX XXXX
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MA)

I was told to consolidate which was n't best thing to do do as it increased amount of initial loan amount I was told to use forbearance as I could n't pay full amount of payments as I have XXXX and can only work parttime I have tried to get income based repayment plan started but I keep being told my information does n't match federal records. I will call on that again as my sign in information allows me to view student loans but I am told it does n't match records when I try to do anything by phone.
Consumer complaint received 2016-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

My loan was serviced by XXXX XXXX. XXXX XXXX in turn merged / sold itself to Navient. 

I have detailed communications showing that agents at XXXX XXXX and Navient promised to adjust my accounts to XXXX balance when under {$50.00}, and was informed of such through various account documents forwarded to me. I requested such on a recent account that fell below {$50.00}, and Navient agents promised me they would do so. Then they did not. More agents promised me they would do so. They did not. I am now in receipt of correspondence from Navient telling me that, despite communications to me historically, they had not in fact adjusted to XXXX the balances they had claimed they do. Navient is either misrepresenting the history of my account 's treatment, or lied to me about what they would do. Navient claims that they " ca n't '' adjust when DOE owns the loans, but in the same email, wrote me that they had adjusted at least XXXX of my accounts to XXXX when the balances were below {$1.00} ( the previous lies being when they were below {$50.00} ). I have copies of such correspondence to share with DOE personnel. 

This kind of constant back and forth with Navient is characteristic of their firm. They are unaccountable, monolithic and deceitful. They should be punished and disenfranchised of their servicing contracts. I pay thousands each month dutifully and expect the practice of adjustments I became accustomed to with XXXX XXXX and was promised would occur and had occurred with Navient to continue. Navient agents are either completely incompetent, or utterly deceitful. 

Respectfully, XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (OR)

In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.