davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NC)

I have had the loans forgiven due to as of XX/XX/XXXX becoming XXXX XXXX. 

XXXX has made all the adjustments but I dont see it here with you XXXX. 

Can you please help with seeing that it has been applied to my report. 

I can be reached at+XXXX or XXXX XXXX XXXX XXXX XXXX , NC XXXX Thank you XXXX XXXX Balance Decrease DEPT OF ED/XXXX + Balance Decreased by {$95.00} DEPT OF ED/XXXX + Balance Decreased by {$1800.00} DEPT OF ED/XXXX  + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$270.00} DEPT OF ED/XXXX + Balance Decreased by {$1200.00} DEPT OF ED/XXXX + Balance Decreased by {$5100.00} DEPT OF ED/XXXX + Balance Decreased by {$1100.00} DEPT OF ED/XXXX + Balance Decreased by {$4000.00} DEPT OF ED/XXXX + Balance Decreased by {$4100.00} Updated Account Information DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX + Remarks Removed From Account DEPT OF ED/XXXX  + Remarks Removed From Account
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Experian credit company puts the auto loan of XXXX  XXXX like charge off and this is wrong information also they put it in my credit like collection and it is a close account. This was a repossession voluntary of me to the bank.
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hillcrest Davidson & Associates (NY)

hi i contacted the company that i had service with because they turned my service off and took the equipment back because they refused to update my credit card there because my old one expired there and i reach out to there billing dept they said ya sure we will update it there and also fix it then they never did but reported it to a collection company saying i would never pay it off but my answer and request to them was the same thing i told the other company and both places refuse to update my request there so im trying to move forward with help.
Consumer complaint received 2019-08-22
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (CA)

Chase Sapphire Preferred and Chase Freedom Unlimited without cause or giving me notice slashed my credit limit on both cards by {$4000.00} and {$3000.00} respectively. I have made all payments on time and I always pay more than the minimum amount. I had to make credit purchases to cover unforeseen expenses such as automotive repairs. I called customer services and was told Chase could slash my credit limit at anytime and they were not required to inform me. This is unjustified and arbitrary on their part and I have been discriminated against for unknown reasons. I explained I am a XXXX  veteran and now XXXX   from the XXXX XXXX. I have always paid my financial obligations and by Chase slashing my credit limit has severely damaged my credit scores and placed an undue burden on my finances. The Chase Credit card corporation needs to be held accountable for their callous and mean spirited practices. Their reckless disregard for their customers is inexcusable. Chase slashed my credit limit on or about XXXX XX/XX/2019. I request your assistance to rectify this matter because Chase does not care about the consequences of their thoughtless decisions that in my case has caused an approximate 70 points drop for my credit scores. Chase should explain to your bureau why they approved me in the first place and without notice decided with what I feel is malicious intent and they are in violation of the law. As a citizen and consumer who has followed the law and common courtesy I will continue to pursue justice and notify my government representatives and the news media about Chase Bank Credit. They are greedy thoughtless cruel and unpatriotic corporate bullies. Please assist me in my efforts to expose their awful and illegal business model. Thank you for your assistance.
Consumer complaint received 2019-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

LOAN # : XXXX LOAN : FHA I am writing you in regards to my mortgage that is wrongfully in foreclosure. 
Please note for the last couple of years Wells Fargo has been notified that my escrow account has been miscalculated since year XXXX to present and Wells Fargo has not attempt to recalculate my escrow account. 

I am also concerned about fees that was add to my escrow during this period ( XX/XX/XXXX year - XX/XX/XXXX ). 
Those fees should have been and should be reversed. 

I have provided this information to HUD, Wells Fargo, Consumer Bureau Financial Protection and to my Chapter XXXX attorney. 

I have been to local Wells Fargos and provided this information to the Manager and Loan Officers and a Real Estate Attorney ; they have agreed with me that my account is miscalculated. 

I have various news articles and have contacted attorneys with class action lawsuits about the Loan Modification miscalculation which is the cause of my loan being placed into foreclosure, a hardship and increase in my monthly mortgage payments. 

I am asking that you as the attorney investigate and compare Wells Fargo calculation in my escrow from XX/XX/XXXX year to XX/XX/XXXX my concern. I have attached my spreadsheet which reflect the correct balances currently. 

**As of XX/XX/XXXX, I do not owe Wells Fargo any money. 
Please see credits HUD FUNDS LEFT OVER - {$1800.00} and my Escrow has a credit of - {$2100.00} and the actual Principal is {$120000.00}. This is the balance that should have been reflected in my Chapter XXXX and calculated for my new mortgage payments because the loan was reamortized. 

I had to dismiss my Chapter XXXX because my attorney at the time and the Chapter XXXX Judge / Trustee explain that there was several miscalculation and my Chapter XXXX would not solve the miscalculation issues. I was told to contact Wells Fargo in which I have on going since XX/XX/XXXXyear to XX/XX/XXXX. 

I have a permanent XXXX and I feel as though I am being taken advantage of by Wells Fargo, HUD and etc. I do not believe it is very hard to recalculate an escrow account ; as, I have been asking for since XX/XX/XXXX year toXX/XX/XXXX to correct this issue. 

Thank you, XXXX XXXX
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (OH)

XXXX XXXX is showing that I owe a balance of {$1900.00} which is incorrect. This balance is not valid and there should be a XXXX  balance on this account. There is no possible way this balance is correct or owed to XXXX due to I switched carriers and bills were paid.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I tried to purchase concert tickets through someone I met on social media ( XXXX user @ XXXX, email addresses XXXX, XXXX, XXXX, XXXX ) on XX/XX/2019. She made everything seem very valid, and I sent her 2 transactions of {$200.00} each ( {$400.00} in total ) through XXXX and Bank of America after XXXX failed to send transactions for no valid reason. She of course turned out to be a scam. This person disappeared and blocked my social media account. I called Bank of America on XX/XX/XXXX to see if they could come up with a solution, and the most they could do was open up an investigation since XXXX has no fraud protection. The only way I would get my money back is if the perpetrator agrees to release the funds from their account to give my money back, but the odds of that happening are clearly slim. I've requested the funds on XXXX  again to give them a chance before getting more serious with this issue, and of course, this person declined to return my money. I would really appreciate any help I can get.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CO)

Requested that PNC close my account on XX/XX/XXXX. Account has still not been closed as of XX/XX/XXXX. Also they have refused to pay out my {$200.00} new account bonus still and I would like them investigated for this fraud.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Loancare is servicing my mortgage and is being unreasonable and unlawful with my PMI removal. I paid my loan down to under an 80 % loan to value based on the appraisal value done 4 months prior to my loan closing. They ignored my requests and are requesting a new appraisal be ordered when they have official documentation ( my appraisal ) that is extremely recent and used to solidify a loan.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

XX/XX/XXXX I rented a car from XXXX in XXXX XXXX XXXX wi. I had the car for a month and four days with a charge for {$210.00} per week. However, was charged XXXX for this car which is unethical being that I been renting cars for years. One agent told me it was a mistake the lady XXXX I spoke with today XX/XX/XXXX in the executive customer service told me Im responsible for this charge which was unauthorized and charged incorrectly. There was no physical damages dont go the car. I take responsibility for the cleaning gas and tow. being charged {$1000.00} a week is unheard of plus {$200.00} each extra day. Its been frustrating because I have been thrown under the rug for months regarding this matter. The bank institution I was banking with at the time was chase. I contacted them regarding this matter by mail and phone still nothing has been done.
Consumer complaint received 2019-09-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (FL)

Navient called me this morning for a 3 week past due payment. It was XXXX on Sunday. After they confirmed my identity the woman refused to tell me who was calling. She ignored my questions. My parents are elderly and I was worried it was a hospital calling. Once she told me there was a past due payment I knew it was Navient because thats the only outstanding payment that I have. Isnt it legally required they identify themselves when asked? Navient is such trash anyways for their predatory practices- they need to ID themselves when asked who they are.
Consumer complaint received 2019-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

I rehabilitated my federal student loans with XXXX in XXXX and thereafter Navient became my student loan servicer. The first year of IBR my income was {$21000.00} in XXXX and my student loan payment was {$38.00}. I re-certified my loan this year based on my XXXX income of {$34000.00} and my new IBR is to be {$190.00}, 5 times more than the previous year. 
I contacted Navient and they sent me information on how the IBR is calculated, please see attached. My income only increased by 1.6 percent. The new monthly payment was far from what I expected it to be and I know that it will be difficult at best to pay this amount monthly. 
Is this truly the best Navient can do? I fear that this pattern of excessive increases in the years to come will prevent me from saving anything for retirement let alone pay for basic necessities such as rent, food et cetra. 
I question why there method of calculating my IBR monthly payment in XXXX clearly did not match their method this year.
Consumer complaint received 2019-09-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (VA)

In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my " poor '' credit, I was told that they would definitely get me into a better car with better terms. 

On XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX  XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal. 

As I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was " upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, " what am I supposed to do with two cars? ". The salesperson said that I need to find a way to get rid of it. 

This situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan. 

This loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.
Consumer complaint received 2019-08-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

I took out loans to pay for XXXX school and my loans were re-sold to other companies often and could not keep track of my loans until ultimately purchased by NAvient. As a XXXX XXXX I paid tuition with loans and was offered only forberance options. AS a XXXX making minimal money I was constantly put in foreberance as my " best option '' until I completed XXXX. By then my {$200.00}, 000 loans were now over {$320000.00} with over {$100000.00} of it at 8.9 %. I was cheated and never offered incombe based repayment plans until more recently and still have over {$100.00}, 000 in debt after already paying over {$200.00}, 000 to NAvient. I still live check to check because of these loans
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.
Consumer complaint received 2019-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX   with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me two times 30 days late. There was an error on their part. I was never two 30 days late.
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (NJ)

As of the date of this letter has MIDWEST RECOVERY SYSTEMS, LLC has violated FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 623 ( b ) ( 2 ) and 61 1 ( a ) ( 1 ) The CRA must give you all the relevant information within five business days, have also violated Section code 605 ( b ) Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 )
Consumer complaint received 2019-08-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC ... 
{$410.00} {$450.00} {$580.00} On XX/XX/2019 I sent a debt validation letter to LVNV FUNDING LLC which clearly states I am requesting the documents that they have that are supposedly tying me to the accounts they are saying belong to me.i sent the letter via certified mail, it was signed for and I have not heard back from them.at all.
Consumer complaint received 2019-09-01
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: WELLS FARGO & COMPANY (NJ)

Around XX/XX/2019, I noticed fraudulent orders on my account amounting to $ 77+ in pizza. I called Wells Fargo and was informed they would investigate and order me a new card. The very next day 26+ unauthorized transactions appeared on my account. Alarmed, I informed Wells Fargo again about the egregious acts. They again informed me that they would take care of it. 

Now I can't make sense of what I owe and what was fraud. They use an accounting-esque system that uses debit and credits much like accountants. The adjustments they note don't even list the reasoning for it. This is absurd and until Wells Fargo returns my funds, I will be out {$340.00}. I live and reside in the XXXX/XXXX area. How charges in other states went unnoticed is just absurd. Everyone in compliance should be fired.
Consumer complaint received 2019-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

My Navient account was put in forbearance for less than two weeks which has caused my payments to increase. This resulted because Navient refunded my monthly payment due it being " sent to the wrong address. '' A Navient customer service agent offered to put my account on hold while the matter was sorted, but I wasn't told capitalized interest would increase my monthly payment. If I had been told this, I would never have agreed to it. I've attempted to solve this issue, but I've been told there's nothing that can be done.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I applied for a credit card as part of a promotion when I bought a timeshare from XXXX XXXX last May. I did not get approved for the credit card at that time but I was told that they will look into it. I received all timeshare documents and promotional materials from Wyndham (via USPS and e-mail) but not a credit card or a credit card bill from them. Last week I received an email from my credit monitor that I have a new negative remark on my credit. My credit report shows an account for XXXX XXXX XXXX with a balance of $XXXX. As of today I still have NEVER received a card or a single billing statement from XXXX. I honor all my credit obligations to the best of my ability. I am never delinquent and my very good credit score is a testament to that. However, without a statement or card number, how am I suppose to pay my bill? I made it clear when I applied for both timeshare and credit card that my mailing and billing address are the same. This is unfair and could be a violation of my rights under FCRA and FDCA.
Consumer complaint received 2019-08-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (FL)

I previously requested that this agency validate the debt and they failed to do so. I have sent multiple certified letters starting in XX/XX/2018. The credit bureau removed the information and the collection agency placed the information back on my report almost one year later. Also I receive multiple calls a day from a VoIP number coming across as a local phone number.