davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

I have  XXXX  private smart option loans with Navient. The interest rate on  XXXX  loans are 8.75 % and the other is 10.75 %. The 8.75 % loans are in the amount {$50000.00} total and th e 10.75 lo an is {$36000.00}. When I graduated college in the   XXXX   of  XXXX , I had trouble securing a job that could help me repay my loans. After 6 months of graduating, I started to receive back to back calls from  Navient who threatened me to pay back over {$900.00} a month on my loans. My co-signers, are my retired gr andmothers who live on a fixed so cial security income and can not help me. I 've tried to lower my payments various times, but Navient wi ll not lower the payment amount to a number I can afford to pay. In  XXXX   XXXX  I have finally started a new job with better pay and have communicated with Navient that I need time to catch up on my finances and have even paid deferment, but they are calling me every other hour from  XXXX  to  XXXX  threatening me to pay and outrages amount. There are no options for me to lower my payments every time I speak to a loan customer service representative  at Navient. Navient tactics are to threaten people and harass them to pay. This company does not factor in financial circumstances, income, or the job market.
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Medical Data Systems, Inc. (OH)

Two medic al debts from  XXXX   XXXX   XXXX   XXXX   were  discharged  in a chapter  XXXX  bankruptcy case on  XXXX . Case number  XXXX .    Medical Data Systems i s a debt collection agency who starting reporting the account as currently open with a past due balance. I 've disputed the account with every credit bureau but they keep saying the bankruptcy was dismissed. They are referring to an old bankruptcy from  XXXX . There was a second bankruptcy case in  XXXX  listed above.
Consumer complaint received 2017-04-26
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 — Was not notified of investigation status or results
Company: CITIBANK, N.A. (FL)

Good Afternoon, I have been  a MACYS cr edit card client, since   XXXX  . I have been sa tisfied with their services and consider them a good company. I have made several attempt to clear a late payment on my credit bureau reports, which is incorrect. Macys has been sending my correspondence to an undeliverable address, making any kind of attempts to further contact me, regarding my account. I have made several request to have this late payment reported in error, on all 3 major credit bureau reports. Macys has failed to comply with the Fair Credit Reporting Act, and has continuously promised to remove this blemish, not caused by me. I ask you please help me, in contacting MACYS regarding their unfair and devious tactics, that violate my rights as a consumer. They have a late payment In error and ask they please correct this matter and delete any and all negative items, the y have reported in error.      Thank you in advance, for all your assistance.
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (AL)

I bought a used  XXXX   XXXX   XXXX   XXXX  from  XXXX   XXXX   XXXX  in  XXXX   XXXX , AL in  XXXX . The loan was financed wit h Ally Financial. I purchase d a mechanical warranty through  XXXX   XXXX  which was financed in my loan. The warranty was a lifetime warranty that covered bumper to bumper. I had all of the service and maintenance done at  XXXX   XXXX  from oil c hanges to tire rotation/balance to brake jobs. I recently had problems where the check engine light came on about 3 weeks ago and took the car into the dealership to be repaired. The vehicle was diagno sed as needing a water pump but it was not covered under the warranty because of the lack of maintenance which is false. I ended up spending over {$1000.00} for the repairs.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

In  XXXX    XXXX   my husband 's employer  XXXX  went on strike at which time paying our mortgage became difficult.We were offered a forbearance program through  wells Fargo  in which we would make reduced payments for 6 months and then apply for permanent modification at end.We made all payments on time when it came time for modification everything requested was sent in and then modification was denied saying we could afford payments.We can afford payment however they requested.the arrears of mortgage payments up front and we did not have  XXXX   XXXX  dollars so they sent a foreclosure notice with only thing offered being short sale or deed in.lieu.This has been our home for  32 yrs so we went to our local bank to refinance only to be denied because wells Fargo had reported our mortgage delinquent since beginning of forbearance.Now no one will   finance us with a  XXXX   credit score and  we can not even qualify for a home equity line to save our home even though we have  XXXX  in equity.So we will be losing our home if no one will help us!
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CO)

BMW Finical Services  is reporting that payments of {$320.00} on the months of  XXXX ,  XXXX ,  XXXX , and  XXXX  all as being 30 day late.   A formal debt validation request was sent out to  BMW Finical Services on  the dates of   XXXX  ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with no response.   Calls were also made in   XXXX   XXXX   XXXX   but I was told that they though they could see that the payments at that point were indeed not 30 days late there was nothing that they could do to help and that I would need to go through some other means to get the report removed from my credit report but could not give me the information on what that would be.
Consumer complaint received 2017-04-25
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: Experian Information Solutions Inc. (GA)

XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a  XXXX  bill. I have no outstanding bills with this hospital or   XXXX   XXXX    This was not me
Consumer complaint received 2017-04-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (OK)

Filed Bankruptcy in  XXXX , include d Wells Fargo  Mortgage loan balance. I have been living in the house and paying on it since then.     Starting  XXXX / XXXX / XXXX ,  Wells Fargo has been  calling me trying to collect the debt, even after I informed them that this in illegal!     Today,  XXXX / XXXX / XXXX , someone named  XXXX  or  XXXX   ( he said it quickly ) called me on my cell. I immediately informed him that he was was not allowed to contact me about m y debt or at all via phone. He became angry and then threatened to sue me. He said, oh well, that 's okay, I 'll just contact our attorney.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Had a lot of fraudulent charges on my capi tal one car d. They reversed the charges cancelled the card and issued me a ne w one  XXXX  separ ate times. Everytime within a month there are new fraudulent charges. They tell me the vendor can call them to get the new card number and they give it to them without any proof of said debt. They can not block the vendor nor can they contact the vendor to dispute charges or stop charges. So in short  XXXX  controls  capital one and they ca n't stop them. The supervisor even told me that they can not secure my credit information and my financial information with them is not secure. Why is this allowed or even legal that credit card companies can provide online vendors peoples credit info without any form of proof and are unable to  stop a vendor from placing fraudulent charges on peoples credit cards.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX   XXXX , based out of Pennsylvania has been a nightmare. I have had an account removed multiple times over the last 2 years and it KEEPS SHOWING UP. It seems like they 're just changing dates or doing something shady. I requested that they verify my debt, which they did n't, and it was deleted from my report. Since  XXXX  of   XXXX   this so called debt has been off and on my report on  6 seperate occasions. Yes, that is 6. It has   appeared as being placed into collections from  XXXX . It was also placed into collections by  XXXX   XXXX   XXXX . Each time, it was removed. Now, it is showing back on my report AGAIN and it is on my   XXXX   and Experian. I am sick and tired of dealing with the credit collection agency fire sale blowback. It is frustrating and causing me financial strain. It is my understanding that if a credit collection is to be re-inserted into a credit report, that I am to be notified by A. ) the collection agency. B. ) The credit bureau. That is a federal law, am  I right? Becuase I have not received not one  shred of mail from any of these companies in ages. I have not received a phone call from these companies. It just seems like they 're throwing it on, and when it comes off they try again ( without following protocol ). The laws are there to protect citizens like myself, and to be honest I feel helpless at this point. When does it end? How does Experian and  XXXX  justify just letting any credit collection agency post a collection onto a consumers report? Do they even verify? Because if they did, they would find it a little odd that this is now  the 7th tim e the same debt is on the same persons credit report in 2 years. Please, I need help and I am out of options.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

I have contacted Lvnv funding LLC several times in an attempt to get validation of debt. I never received anything validating the debt but yet the credit bureaus keep reporting that the debt comes back verified. The only communication I have received is an attempt to settle for  XXXX  instead of a full balance of {$310.00}.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I previously filed a complaint against Bank Of America ( BOA ) concerning the closing of my wife 's checking account. The complaint number is  XXXX . I had hoped to add the following information to show how they respond to customers.     This morning I received a phone call from BOA regarding the complaint listed above. The caller stated that the call could be recorded for " quality control ''. When I informed the caller that I intended to also record the call I was informed that the call could not continue under those circumstances. It seems to me that if I must agree to them recording the conversation, I should be given the same courtesy.     Because of previous misstatements I believe that having a record of all communications initiated by BOA is necessary.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I.Q.  Data International  is attempting to collect a debt that is not owned whatsoever. They purchased a fabricated debt from an old apartment that created charges because I took took them to court over fabricated electric bills. Initially they tried to collect the debt over  2 we eks after I moved but Georgia Law provides strict deadlines as to when a landlord can claim damage. They must do an exit walk through and send you ANY and ALL damages in writing within   5 business days of move out and by law I was supposed to be notified of inspection. The original creditor broke the law in failing to meet both requirements amongst other things.
Additionally, in the   State o
f   Georgia, it is illegal for the landlord to deduct damages for normal wear and tear. Se  e 44-7-34 ( a ). Thus, carpet cleaning, wall painting and other like expenses can not be deducted from your security deposit if such resulted from normal wear and tear -- -they charged for this as well.
I Q Data International sent a false verification of debt after I contacted them in writing, so for EACH CHARGE, 19   charges total, I requested, in writing, a VALIDATION of debt for every single charge and requested documentation to support each charge because I have photos and documents that dispute the claim. They initially listed this debt on my credit for almost {$8000.00}, it was mysteriously reduced by over {$4000.00} when I send them my initial dispute and the responded with a verification of a fake list of charges. I sent  19 VALIDATION, Not verification, request via certified mail, I paid almost {$140.00} to request validation and they tried to insult my intelligence by sending me another copy of their verification only changing the date. All of the charges are completely erroneous. They have not validated and have ignored all 19 requests.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

Yes, my name is   XXXX   XXXX   XXXX   XXXX   I am a   XXXX   XXXX      XXXX   XXXX   and have and am currently being harassed by the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , Alabama,  XXXX . The policy I have with them falls under  USAA Federal Savings  Bank  XXXX   XXXX  Wind and Hail. Since I bought my house at  XXXX   XXXX   XXXX ,  XXXX  Alabama  XXXX , on or about mid-  XXXX   XXXX  - I have received on a frequency of about one a month correspondence from the Alabama  XXXX   XXXX   XXXX   out  of  XXXX   XXXX  AL, requesting various information, that I have had to have  USAA Federal Savings Bank handle,  repeatedly. This year alone (   XXXX   ) I have received  XXXX  letters from the Alabama  XXXX   XXXX   XXXX , most recently threatening to cancel my Insurance, unless I provide yet more information. This is simply harassment. If I lose my insurance my mortgage will be foreclosed! I have asked  XXXX   XXXX   XXXX  Bank numerous times to fix this- obviously to no avail. On,   XXXX   XXXX   XXXX   I spoke with a  XXXX  at  USAA,  who claimed she could not in fact contact this agency in Alabama, despite other  USAA  agents who could. Now oddly, the Probate Judge of  XXXX   XXXX , Alabama, where I reside,  XXXX   XXXX , was the Mayor of  XXXX  Alabama, who left this position under dubious circumstances. Also  XXXX   XXXX  is a big time or was a big-time player in the Insurance industry here in  XXXX   XXXX  and the State of  XXXX  with links to corrupt officials like the former Governor  XXXX   XXXX  who utilized State law enforcement to intimate citizens. Oddly, I have had unpleasant dealings with him recently, in his capacity of  XXXX   XXXX , when he in fact has no formal legal training. He committed me because I found some supposedly counterfeit money, but in reporting it supposedly highly upset someone in local  XXXX   XXXX ! This is despite following law-enforcement personnel guidance and direction to the letter! I have also had undue issues with the  XXXX   XXXX   XXXX   XXXX  which  XXXX   XXXX   XXXX  know intimately, in addition to the local Department  XXXX   XXXX   XXXX   XXXX  Now I do not know if these entities are linked, or not!?!? However, I would highly suggest, that all parties aforementioned are looked into for any sort of possible collusion in this matter, as I know of no one else that has had all of these issues- and for as long, with no end in sight. Also, a former big-shot from  XXXX   XXXX  lived ( and still might ) in my sub-division of  XXXX   XXXX ,  XXXX , AL. I am so exasperated that I have told USAA that I do not care if my mortgage is foreclosed if I lose my insurance. Thank You for any attention in this matter.  XXXX   XXXX   XXXX
Consumer complaint received 2017-04-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems (TX)

I filed a dispute through   XXXX   XXXX    XXXX   XXXX   XXXX   2017 but  i also did my own work and came across that this company is not bonded in the state of texas to collect debt.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I am trying to purchase a home in  XXXX   XXXX  California for a couple of months.   I have been working wi th Wells Fargo as  a lender at the direction of my real estate agent.   I sig  ned an agreement with good terms and a rate lock.
90 hour  s before close  XXXX   XXXX  a t Wells Fargo told  me the underwriters did not approve.   I would have to borrow twice the money I wanted to borrow at a higher rate.     I am about to lose the house I planned on buying rather than pay thousands in interests and fees I should n't be paying This seems like fraud to me
Consumer complaint received 2017-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  Four  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX .   XXXX   needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
Consumer complaint received 2017-04-26
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. (LA)

After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted Experian via  Postal  Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  XXXX  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX  Enhanced a Recovery #  XXXX . Experian needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!
Consumer complaint received 2017-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A. (PA)

I have just filed and had accepted my complaint with the DONOTCALL.GOV website. I will summarize this information for you here as I wish to also file a complaint with you for the actions taken by  PNC BANK  and its representatives.   Just as a point of information, I have NEVER EVER in my entire life done any business whatsoever under any name whatsoever with  PNC BANK  or its affiliates.   My phone number is   XXXX   XXXX   XXXX   XXXX  . I was given this phone number sometime around    XXXX   XXXX      when I moved to  XXXX , PA.   Shortly after I got this phone number, I began to get harassing phone calls from  PNC BANK  and  PNC BANK FINANC identifie d by a "  XXXX  '' area code. The caller is always looking for   XXXX   XXXX  .   I have repeatedly advised  PNC that I am not and never have be en  XXXX   XXXX . In my entire life I have never ever heard of  XXXX   XXXX .   I have also repeatedly aske d PNC to s top calling me looking for  XXXX   XXXX .   Despite all of my numerous effort s, PNC absolutely refuses to stop  calling me day after day after day, hour after hour after hour demanding to speak to  XXXX   XXXX . And they likewise refuse to accept that I am not and never ever have been  XXXX   XXXX . And  PNC adam antly refuses to accept that they are calling the wrong phone number.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (OR)

I'm trying to file a complaint for the Credit Karma Credit Card Scam. I got a card from them a while back & they XXXX  me. Then they shut down their card services program.