davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

To whom it may concern Navient is still calling my Job, to Harass me and trying to get me fired from my Job, Today XX/XX/2019 from a Ms. XXXX called and stated she will continue to call me on my Job and she doesn't care if I get fired form my Job, I deserve it for not paying my student loan and who care if you have Health Problems. 
I have pics from the caller I.D . from a Toll Free Number of XXXX @ XXXX Today is XX/XX/2019. I am Sick and Tired of Navient Harassing Me. Please make them stop .... 

To whom it may concern Navient is lying, regarding calling my job, I've asked many time for Navient, to add on the file, Do Not Call my Job, which is causing a problem for me with my Employer. as of Today XX/XX/2019 I received called today, and this past week. I have saved several pics from the caller ID, showing Navient, regarding the DO Not Call My Job, Please Stop Them Thanks To whom it may concern, I would like to make a complaint against Navient. I've had an on going problem with Navient for several years with harassment and continued threatening phone calls at work, home and on my cell phone, I asked Navient not to call me a work, on several occasions. I am getting a least 25 phone calls per week from Navient, which I have recorded or saved, as of XX/XX/2019 I received calls form Navient at my job, too many times, calls from a XXXX, XXXX several others, from these numbers of XXXX, also from this number of XXXX. My job records all incoming calls and Navient is trying to get me fired from my job. I ask Navient several times to stop calling me on my job, Navient response is always the same, there's no note on your file, saying Do Not Call Job. I also given Navient the address and contact information of both Mr. XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX- phone number XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, phone number XXXX whom both are Employed and can pay their student loans. Navient has destroyed my Credit, I had a credit score of almost 800, before Navient intentionally forced a default on this loan. I am Request to be released as Co-Singer on both loans for XXXX XXXX XXXX- File # XXXX and XXXX XXXX XXXX -File # XXXX Case # XXXX. Navient Please contact both bowers, you have their information. CFPB what are my recourses, if I end up losing my Job because of Navient, I have many on going Health issues, and the Harassment from Navient is causing more Health issue and harm for me. I have documented the same issue of Harassment with Navient in the past with CFPB and the State of Conn File # XXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Revised as of today XX/XX/2019.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas) (CA)

XXXX XXXX is attempting to collect {$830.00} from me for services at XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX for dates XX/XX/XXXX - XX/XX/XXXX. 
I do not live in XXXX XXXX, Nevada. I live in California and have lived here all of my life. 
Berlin Wheeler , Inc. is the Collection agency. 
There has never been an attempt to collect this money from me. I just happened to check my credit score which was over XXXX before these collections showed up on my credit report. 
I am a XXXX XXXX XXXX and have been for almost 4 years in the state of California. I run my business from XXXX XXXX. I have had a background check every year for the last 4 years. All background checks show California as my residence.
Consumer complaint received 2021-06-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Navient Solutions, LLC. (NY)

XXXX called me on multiple occasions attempting to collect a debt that was out of statues of limitations and out of there jurisdiction w/o consent or proper authorization. They did not provide the original contract verifying that I was the original debtor. They where in violation of laws 15 US C 1692 a 5 15 US C 1692 c a 15 USC 1692 d 15 US C 1692B 5 15 US C 1692 b a 15 US C 1692 b 2 a 15 US C 1605 a 15 US C 1692 f
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (KS)

On XX/XX/XXXX I initiated the refinance process with Wells Fargo which is the holder of my current mortgage. 

The pricing would save me just shy of {$500.00} a month so I opted to go with Wells Fargo over a broker believing I would close in a relative timely manner. 

On XX/XX/XXXX I indicated my intent to proceed based on the estimates received from Wells Fargo. 

In that agreement I paid {$550.00} in up front costs on XX/XX/XXXX. 

My appraisal was completed by XX/XX/XXXX and Wells Fargo had it in hand. 

I had to pay my old XXXX mortgage rate so that was almost {$500.00} I did not save. 

My initial closing date was set as XX/XX/XXXX which meant I would need to make an additional old mortgage payment so another {$500.00} I would not save. 

My closing was pushed because they said they hadn't heard from the title company. Closing was pushed XX/XX/XXXX. 

By XX/XX/XXXX I had heard NOTHING from Wells Fargo when I reached out they said they hadn't heard then later said that the titlle company didn't show a record of the request and they would have to " re-submit '' though I suspect the request was never made and they can not provide proof that it was. 

At this point my closing was pushed to XX/XX/XXXX which would mean another month of not realizing the savings I was supposed to see. 
To that date my loss was : {$550.00} in up front costs {$1000.00} ( roughly ) in unrealized savings On XX/XX/XXXX I was informed that Wells Fargo had received the paperwork on my title and needed only to complete verification of employment. They said they began that on XX/XX/XXXX. As of XX/XX/XXXX no one from Wells Fargo has contacted my employer and I am in daily contact with my employer XXXX the entire HR department ) that they have not received a request. 

I have contacted XXXX XXXX and XXXX XXXX on a regular basis and no progress has been made. 

At this point I have a closing date of XX/XX/XXXX but I don't believe that will happen either which will mean I will be paying XXXX mortgage at the old rate which equates to : {$550.00} in up front costs {$1500.00} XXXX roughly ) in unrealized savings TOTAL ROUGH COST TO ME : {$2500.00} Meanwhile I have confirmed with others that chose a different broker that they closed within three weeks and another friend who has been in the same limbo with Wells Fargo. 

My contacts at Wells Fargo are : XXXX XXXX XXXX ID XXXX Tel XXXX Ext. XXXX XXXX XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX XXXX XXXX extension XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

I HAVE CONTACTED XXXX XXXX XXXX TO INFORMED THEM THAT THEY ARE VIOLATING THE CREDIT REPORTING ACT BY REPORTING MY ACCOUNT WITH THEM AS CHARGE OFF WITH A BALANCE OF XXXX XXXX.THIS ACCOUNT ORIGINAL CREDITOR WAS CITIBANK, N.A.THE FEDERAL TRADE COMMISSION IS CLEAR IN THEIR OPINION IN THE GUIDELINES FOR POLICIES AND PROCEDURES. PREVENT RE-AGING INACCURATELY CHANGING THE DATE OF FIRST DELINQUENCY ON A CONSUMER 'S ACCOUNT TO A LATER DATE AND REPORTING THE WRONG AMOUNT. THE FCRA PROVIDES FOR MAXIMUM PENALTIES OF {$3800.00} PER VIOLATION. THEY DID NOT PROVIDE PROOF OF OWNERSHIP.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXXXXXX XXXX XXXX  Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

I strongly, wholly and completely, reject Discover 's recent erroneous, defamatory, damaging and retaliatory action against me and my card account. This is nothing short of gorilla marketing, an outrageous attempt to scare a consumer, to force a consumer to use their product, or else, while they damage my credit reporting with unwarranted changes and restrictions to my account. 

On or around XX/XX/XXXX, Discover solicited me for an account, and set me up with a {$750.00} credit line. While I felt this was insufficient, and after raising this issue with their Customer Service, I figured, in time, I would qualify for an increase with my good credit and payment history. 

In XXXX of XXXX, I received a notice as a result of my good account standing and payment history ( which was perfect ), the announced they raised my credit line to {$1800.00}. 

Before, during and since, my credit report has been flawless. 

I just got notified, that due to my " significant delinquent '' credit history, and because of lack of activity, they have lowered my credit line to {$500.00} ; further, if I don't use the account in 30 days, it would be closed. 

I am shocked. I have been in the payments industry well before Discover was even conceived. Obviously, they still have a long way to go to join the legitimate ranks of Visa and Mastercard operating models.

This is no way to encourage use of a card product, in fact, if they had given me an appropriately credit line to begin with, and not thrown me a bone, which wasn't worth the cost of an inquiry, I might have used the account more frequently. Not all merchants take Discover, so Visa is still the # 1 card product in the US. Yet, I gave them a chance, a few times, to meet my needs for a decent credit facility line. 

I just got notified by XXXX XXXX and XXXX XXXX, both {$0.00} balances, and they have informed me that they are changing processors, but thanked me for my business and to expect a new card in the mail. This is professionalism. This is customer courtesy, respect. 

I just got a home loan in the XXXX XXXX XXXX XXXX on a XXXX dollar property that was paid in full with XXXX  delinquencies. All my card accounts have been paid " exceptionally ''. 

Discover, this is a shame and a sham.
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Upon reviewing my credit profile, I noticed three inquiries on my Transunion credit report that I do not recognize. The three inquiries are as follows : XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

Today, XX/XX/2021. I contacted Wells Fargo/XXXX XXXX for a credit line increase. They wanted to do a hard credit pull I said no and stated why and then disconnected the call. Roughly two hours later I see that the hard credit pull occurred without my consent. My FICO score went down 7 points immediately ( I check my credit daily ) and it happened right after the credit pull. I called and filed a complaint and they said it may take 10 business days. This was an illegal credit pull and with the 7 point drop in FICO, I have already suffered damages. I would give my consent for you to pull that phone call to review. I would like this resolved with the full force of the FCRA ( Fair Credit Reporting Act.
Consumer complaint received 2021-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (IN)

I recently reached out to Sallie Mae during the pandemic. At the time, I lost my job and Sallie Mae sent an email stating that I owe over $ XXXX/month for my loan bill. Of course, I could not pay this amount nor even with a job pay that amount. I tried to talk with Sallie mae to see if we could work out a lower payment option. They stated that they can not do that and offered forbearance. I've tried multiple times to lower my payment and they continued to decline.
Consumer complaint received 2021-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ECMC GROUP, INC. (MN)

There are several paid collections from ECMC and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.
Consumer complaint received 2020-12-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (FL)

Hi these late fees are making it more and more difficult to pay anything during this critical time. I have over 7 immediately family members currently with XXXX  and 1 XXXX. This additional stress of auto dial calls and fees are adding a hardship. I have sent a request in writing not to violate my TCP rights and Loancare continues. I want these late fees removed and these auto dial calls to cease
Consumer complaint received 2020-12-07
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: JPMORGAN CHASE & CO. (GA)

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Consumer complaint received 2019-06-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

XXXX XXXX I was XXXX at the XXXX XXXX XXXX XXXX  XXXX, XXXX , CA XXXX. The home of XXXX XXXX and his elderly mother. The XXXX refused to let me take my purse or wallet with me when I was taken out of the residence and to XXXX. I spoke with XXXX XXXX from XXXX, I had him check my direct deposit balance arround the first of XXXX. He told me I had no pending deposits and that I had been cut off my benefits because I was in XXXX. I told him to leave my card in my wallet, in my purse and leave them with my landlord were theyd be safe. He gave my landlord my purse but my landlord didnt check for the card. Mr. XXXX assured me my direct deposit card was in my wallet, in my purse at my landlords. XXXX XXXX did not tell me that I was in fact getting direct deposits and he was receiving, collecting and spending them. I was XXXX XX/XX/XXXX. Within 2 days I located my card and called it. He spent over XXXX $ and caused me an over payment. He had my social security card, drivers liscence and many other personal identifying documents for several months. He also had my laptop giving him access to more identifying personal information. Im now receiving emails about credit and loan requests.
Consumer complaint received 2019-06-09
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. (CA)

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-02-26
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CASHCALL, INC. (CA)

I asked for {$1800.00} they approved me then when I went to sign the paperwork it said loan was for {$2600.00}. I told them I did not want {$2600.00} they told me that I needed to take it or they would have to re approve me and draw up new paperwork which would 2 weeks. So I signed the paperwork. After 16 months of paying them over {$200.00} I had more than paid off the original loan amount and my husband left me. I could no longer afford to pay this so called and tried to renegotiate with them. At this point the lady got extremely hostile and rude towards me and all but called me a beadbeat. So I stopped paying it. Now 8 months later their debt collector is suing me for {$2600.00} plus attorney fees which I can not afford. Need help with this and their illegal lending practices.I 'm
Consumer complaint received 2020-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (VA)

I saw a credit alert on my account on XX/XX/2020. I contacted the company that listed it ( IC System ). After a series of phone calls, they had not done anything to provide information on payment, so I sent a registered letter on XX/XX/2020. I had not received a response by XX/XX/2020 and filed a complaint with the XX/XX/XXXX IC System responded to that complaint saying they had sent a letter to me on XX/XX/2020. I received that letter today ( XX/XX/XXXX ) - attached. It does not address the specific questions I asked. They are not being responsive. And, in the meantime, I am trying to resolve this in good faith, but can not proceed without answers from them. 

How are they being held accountable?
Consumer complaint received 2021-08-09
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: EQUIFAX, INC. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP (NY)

I called my bank to update my address two different times, my debit card was involved in an undisclosed breach and they sent my debit card to the address i specifically called to remove. After finding this out and being without a debit card for weeks I called and gave a series of intimate questions yet again lasting over 30 minutes just to remove that address. The debit card was eventually sent to a bank for pick up because they consistently sent it to the wrong address even after calling the second time. The support rep never removed the address off of my account and only added my new one to my profile. The debit card was hacked again and I requested a new one a few weeks ago, they promised it would be sent to the correct address, they sent it again to an old address and said it was a computer error, they charged me {$25.00} two different times for it to be re sent and I had to fight them to refund that fee. They still haven't removed the old address from my account and blame me for not having it updated. This has been the worst headache of my life and key bank has been nothing but unhelpful, their untrained employees have me scared that they hold the ability to destroy someone's life financially with the smallest of mistakes. The tracking address I have proves it was sent to a non existent address and yet they claim it was sent to my current address, what lies I've been fed, this company is a sham and needs to be investigated.