davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (CA)

I purchased my certified pre-owned vehicle from a reputable BMW dealership in XXXX, 2014. I then had to take my vehicle in due to the car stalling and having to be restarted at times when I stopped at red lights or random traffic stops. I took the vehicle in this last time a couple of weeks ago as the car did not turn back on in the middle of a busy traffic Intersectin in XXXX California. A BMW dealership had to replace the complete fuel system at this time. I asked that BMW repurchase my vehicle since it has been documented that it is no longer safe. BMW, NA only offered to make me a lump sum payment of {$1500.00}. I do not feel that this vehicle is safe. I do not have the resources to not drive it and purchase another one. I have tried to deal with BMW but I feel like I 'm being pushed to the side and that they are not concerned with the serious safety issue this vehicle poses. I need help because I do not want to get into serious injury or worse because of the factory vehicle deficiencies.
Consumer complaint received 2016-11-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

XXXX/XXXX/XXXX Back in XXXX I was recruited by the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ( XXXX ) ) with misleading graduate job placement information, as well as promoting the XXXX degree program that did n't offer the end result as advertised, which tied me into XXXX different types of loans ( private, Federal and Dept. of Ed. ) all with XXXX XXXX, now Navient. 

I was never given a choice of other lenders when working with their recruiters and naively enrolled in a program that increased their tuition every year, used outdated software in classes, outside online tutorial website to provide training ( which has their own pricing at a fraction of the cost ) and continued to offer me loans despite my slipping GPA. 

Since leaving the XXXX XXXX in XXXX without a degree, internship placement or even the proper experience to compete in the job market, my family and I have experienced XXXX issues ( increased healthcare costs ), job loss, homelessness, and out of state move. Since this time my student loan debt has ballooned from {$75000.00} to over {$120000.00} in a matter of 6 years. 

I have been enrolled in a variety of programs, however Navient 's practice of multiple loans, departments and lack of loan education made my last encounter ( XXXX/XXXX/XXXX ) a very confusing, frustrated and XXXX phone call. I had contacted Navient to settle a payment last week and agreed to a forbearance and amount that I thought covered all of my loans, however was made aware today, that the previous conversation did not take all of my loans into consideration and due to the increasing loan amount in order to pay all of my loans ( without adding any future forbearance ) on time my monthly payment would be {$1000.00} a month for all XXXX loans. After taxes and health insurance coverage, my own income would contribute a little over {$200.00} a month for my family every month. My current health condition has required me to pay significantly more for health care costs totaling {$1300.00} a month, leaving me in a situation of future peril without action. 

I am seeking for complete resolution of my private loans, as well as both Dept. of Ed and XXXX, for the full amount due to deceptive practices by XXXX and Navient ( then XXXX ) as stated above. This type of practice has been well documented with XXXX Colleges and I believe applies to the practices of the XXXX XXXX ( XXXX ) as well.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-06
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. (NE)

I received a letter dated XX/XX/2021 from XXXX XXXX XXXX XXXX claiming they are trying to collect an alleged debt of {$680.00} for the " current creditor, '' LVNV Funding LLC, which is a debt collector that is attempting to collect an alleged debt for another creditor, XXXX XXXX XXXX, XXXX. 

There has been no verification or validation of an alleged debt from LVNV Funding LLC, nor any proof that either company is legally allowed to collect debt in the State of Nebraska.
Consumer complaint received 2024-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) As a matter of fact, XXXX XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXX XXXX XXXX XXXX has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My Federal loans in the amount of around XXXX including interest charged were discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXXThese private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? 
Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to Senator XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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. (CO)

In accordance with the Fair Credit Reporting act XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have violated my right 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions
Consumer complaint received 2024-05-05
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

Certainly! Here 's a draft of a letter you could send to the Consumer Finance department regarding the unauthorized charges : [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Dear Consumer Financial Protection Bureau, I am writing to report a concerning issue regarding unauthorized charges made to my credit card from XXXX XXXX or XXXX XXXX. Despite multiple attempts to resolve this matter with my bank, the issue remains unresolved. 

On [ Date ], I discovered two unauthorized charges on my credit card statement from XXXX or XXXX XXXX. XXXX charge was for {$2000.00}, and the other was for {$1000.00}. I never authorized these charges, nor did I sign any slips or give anyone permission to charge my credit card on my behalf. 

I immediately contacted my bank to dispute these charges and requested a copy of the signature on the slip for verification purposes. However, my bank has refused to provide me with the signature or match it with the signature they have on file. Additionally, I have provided them with an affidavit along with a copy of my driver 's license, containing my signature, in an attempt to resolve the issue. Despite my efforts, the bank has failed to provide me with a refund for the unauthorized charges. 

This situation has been ongoing for over a year, and I am still fighting to have these charges reversed. I am extremely disappointed with the lack of assistance and resolution from my bank. 

I kindly request your intervention in this matter to ensure a prompt and fair resolution. I believe that the unauthorized charges made to my credit card violate consumer protection laws, and I am seeking assistance in recovering the funds. 

Enclosed are copies of relevant documents, including my credit card statements showing the unauthorized charges, correspondence. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2020-12-05
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Since XXXX Portfolio Recovery has been attempting to collect {$620.00} on an account I closed over 7 years ago with XXXX XXXX with a XXXX  balance. The card was a secured card and the deposit was used to close out the account. In XX/XX/XXXX I expressed my frustration with the original creditor, XXXX XXXX, and they agreed with me and gave me a new credit card account! For the past 4 years, however, I have repeatedly disputed the previous account with Portfolio Recovery and they have not been able to provide me with substantial docs necessary to substantiate the debt. 

On XX/XX/XXXX I filed a formal complaint with the IL Attorney General 's office regarding this matter. I was told that per law Portfolio Recovery is to provide the following docs to me in writing. 

1. Original Contract between me and XXXX XXXX 2. Payoff disclosure provided at the time I opened the account 3. Interest rate disclosure 4. Balance history 5. Payment history 6. Credit insurance disclosure I have requested these items from Portfolio Recovery and they have refused to provide them. I demand that PER LAW they either provide these docs or delete this account from my credit report.
Consumer complaint received 2015-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Sometime around XX/XX/XXXX, we applied to re-finance our Bank of America home loan. After being told on the phone that we were approved, and even offered congratulations, and after filling out the extensive paperwork, we were denied the refinance because of my wife 's bankruptcy in XX/XX/XXXX. Bank of America told us that we would have to get this bankruptcy " re-affirmed ''. I was able to contact the bankruptcy lawyer we used nearly ten years ago and he told me that " re-affirmation '' was impossible. He said it would have been impossible at the time ( the bankruptcy judge would have thrown it out ) and it remains impossible today. After I told officials at Bank of America this information, they put me in a video conference with XXXX of their agents in XXXX, TX who insisted that it is possible. The bottom line is that we were denied mortgage refinance because of a ten-year-old bankruptcy, the terms of which can not be changed. We believe, based on our current credit and our perfect record of mortgage payment since we bought our home ( XX/XX/XXXX ), that we were unfairly denied mortgage refinance.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX should be reporting a XXXX balance! This was a purchase money 2nd loan. Per California Code of Civil Procedure Section XXXX Cal . Civ. Proc. Code XXXX. States the following : No deficiency judgment shall lie in any event after a sale of real property or an estate for years therein for failure of the purchaser to complete his or her contract of sale, or under a deed of trust or mortgage given to the vendor to secure payment of the balance of the purchase price of that real property or estate for years therein, or under a deed of trust or mortgage on a dwelling for not more than XXXX families given to a lender to secure repayment of a loan which was in fact used to pay all or part of the purchase price of that dwelling occupied, entirely or in part, by the purchaser. 
I have submitted my demand to the creditor and bureaus and have not gotten this issue rectified. Correct this error immediately or delete this account off my credit file!!
Consumer complaint received 2022-08-05
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2020-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MO)

Some time back I called Chase about not being able to use the chase.com website or app on my phone. There had been a series of glitches that left me unable to access my account online. I had two Chase cards. By the time I called them I was so frustrated that I stated that I would like to cancel both cards. Obviously, they wanted me to talk with an advisor before canceling the cards. I was transferred to an advisor and eventually was able to access my account online. The advisor then asked if I wanted to keep the cards open or cancel to which I responded that I would keep them. A few weeks ago I learned that Chase had cancelled one of the cards -- -incidentally a card that they are no longer offering and has unique benefits for travel. Chase had not cancelled the other card. I called and was directed to a supervisor who offered to reinstate my card, but, by pulling a credit check, however she said that she understood my not wanting to do that and would be willing to escalate my case and have the audio file of the phone call reviewed in order for them to respond to my concern. I agreed to that. I was told that Chase would get back with me with their findings. Today, nearly four weeks later, and, having received no word from Chase I called again to receive the status of my case. I was told that a letter had been sent which stated that my situation had been escalated as far as it could go. I responded that I had not received a letter and asked what the audio file had revealed, knowing that it would make clear that I had not asked for my account to be closed. The response from the supervisor was that they were unable to tell from the audio file. She went on to say that since 60 days had passed, they were unable to reinstate my account. I have a perfect credit history with Chase and have no explanation as to why the company has handled my situation in this way.
Consumer complaint received 2016-07-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I tried to close my XXXX IRA at Bank of America 's XXXX XXXX and they told me it would cost {$75.00}. I currently have {$81.00} in the account. Please help.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (HI)

XX/XX/XXXX ( 1 ) BLOCKED/LOCKED USER ID ( 2 ) XXXX 1. XX/XX/XXXX, to date I attempted to send money via XXXX to the same person/email, to NO AVAIL 2. XX/XX/XXXX, I attempted to send available money to the original same person/email, to NO AVAIL 3. XX/XX/XXXX, Citbank sent via email " We've blocked your Citi Online User ID for your security '' 4. On XX/XX/XXXX, I sent Citi an email 5. XX/XX/XXXX, Citibank sent via email " You have a message in the Secure Message Center '' THE ACCOUNT IS BLOCKED/LOCKED. 
6. I attempted to login XX/XX/XXXX, XXXX USER ID BLOCKED 7.XX/XX/XXXX, I called 5 times to be disconnected 8. XX/XX/XXXX, Login BLOCKED. I phoned Citi - " account specialist '' " supervisor '' - " XXXX '' - " XXXX '' Executive Response Unit ( XXXX ), requesting UNBLOCKING/UNLOCK ACCOUNT, TO NO AVAIL FOR AVAILABLE FUNDS.
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OH)

I requested PNC bank discontinue escrowing for insurance and taxes on loan number XXXX. They would if I paid them {$200.00} to stop the escrow. This is an example of a predatory lender charging unnecessary fees, I want to pay my own taxes and insurance and not have to pay {$200.00} to them to do so.
Consumer complaint received 2016-10-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

As a Pnc bank customer, I responded to a promotional offer which was to deposit {$300.00} in my account if I agreed to open the virtual wallet account with a {$5000.00} deposit. The bank representative, located at the Pnc XXXX branch on XXXX XXXX in XXXX, VA, did not give me paperwork or written materials on the offer, which was sent to me as an existing customer via email. So I opened the account, met the conditions as outlined but never received the {$300.00} promotion consideration. When I filed a formal complaint with Pnc bank I was told I did n't meet the conditions. I asked for an explanation of what conditions I did n't meet from the bank in writing. I 've never received anything in writing. The bank assigned someone to investigate my complaint. I have called this person at least half-a-dozen times. They 've never gotten back to me. That 's where it stands today. I do n't hear anything from Pnc bank.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX is a collection agency that i dont recognize as mine. This account was open on XXXXXXXX  and they cant validate this debt as mine ... .they must to sent me proof as mine ....
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (NY)

I am submitting another set of letters to these companies, there are late payments that are hindering, but they are related to covid-19 and legally these companies are supposed to work with me and accommodate when it comes to financial issues due to covid-19. I have sent letters before, over a month ago to be exact, and I haven't received any results let alone even a response. Please help me resolve these issues so I can get my credit back on track and start my journey of getting my mortgage. Attached are my identity documents and the letters I have sent too these credit bureaus.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting another set of letters to these companies, there are late payments that are hindering, but they are related to covid-19 and legally these companies are supposed to work with me and accommodate when it comes to financial issues due to covid-19. I have sent letters before, over a month ago to be exact, and I haven't received any results let alone even a response. Please help me resolve these issues so I can get my credit back on track and start my journey of getting my mortgage. Attached are my identity documents and the letters I have sent too these credit bureaus.