davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (WI)

In XXXX I placed a loan that was past due into hardship forebearance with sallie Mae. At that time I was told they needed a {$50.00} good faith payment and were only able to do one month but to call back after 48 hours and they would be able to extend it out to the 3 months total. I did that and everything was good. In XXXX, the same situation arose, I did the 50 good faith payment and was this time told to call back before XXXX to do an extension. On XXXX, o called back. Suddenly, that can not be done and they want another {$50.00} to do a forebearance this time for 3 months. I had to pay it to get the forebearance but have now paid them XXXX dollars for forbearances on this loan. Which according to their website is the maximum I should have to pay on this loan, yet I have 5 months of forevearance left should I need it and I was told it would be an additional 50 each time I request forebearance in the future. That would equal XXXX dollars not XXXX. Furthermore, there is information out there that states back in XXXX the company stopped asking for the 50 payments at the time forebearance was requested.
Consumer complaint received 2017-04-29
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Medical Data Systems, Inc. (KY)

On  XXXX   XXXX , a letter for validation of debt, amount presumably owed :  XXXX , was sent  to Medical Data Systems ask ing for a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to them, and to cease any credit bureau reporting until debt was validated by me. As of this date  XXXX / XXXX /  XXXX  , I was provided  by Medical Data Systems an Itemized statement that included all procedures, not   coded, which were performed including x-ray info which is a violation of  the HIPAA act. I was not provid ed a statement from the original creditor that would allow release of my medical information to  Medical Data  Systems nor was reporting ceased to all  XXXX  credit bureaus.  XXXX   XXXX  is the original creditor. I have never received a bill from this hospital and had insurance to cover all costs.
Consumer complaint received 2017-07-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. In the process of reviewing my credit I found the collection charge from SCA for {$180.00}. This debt originates from XXXX XXXX, nearly 5 years ago. I have on multiple occasions disputed this charge. I had NO knowledge of the debt until it hit my account as a collection. Not only is this a complete ethical violation it violates the FCRA. With this being said they are still continuing to report the alleged debt to the credit bureaus without validation. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of deletion needs to be met. Your lack of due diligence is impacting my progression and has ultimately become a hindrance. I 'm requesting immediate documentation of said debt, to include dates, and a legible signature. Without the necessary documentation, a resolution of DELETION needs to be met on my credit report. Your lack of due diligence is impacting my progression and has ultimately become a hindrance.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

On XXXX XXXX/17 I made what I thought was my final payment on my Best Buy Credit Card ( Citibank issuer ) promotional deferred interest purchase. On XXXX XXXX I received a call from Citibank notifying me of a past due account. In reviewing my account documents, I discovered that {$27.00} of my {$120.00} was credited to a purchase during that billing cycle leaving my XXXX/XXXX/17 payment of {$120.00} {$27.00} short of paying off the promotional balance and yielding punitive interest charges of {$270.00}. I had my payments set on auto deduct to pay in full by the end of the 12 month deferred interest period. Each payment was made in an amount sufficient to pay the balance in full but I had forgotten about the purchase I made during my billing cycle ended X/26/17 from which {$27.00} was diverted from the promotional balance. I was also late for my XXXX statement thinking that I had paid the balance in full. Although several representatives I spoke with acknowledged the error, one of whom said " yeah, that {$27.00} should have been credited to the deferred balance '' the final disposition was that they would waive my late fee of {$27.00} plus interest of {$7.00} I was responsible for deferred interest of {$270.00}. Apparently they only allow 20 days to correct errors on deferred interest charges according to the Escalation department. My offer was to pay the balance of my forgotten purchase, late charge, and interest since it was my fault that I missed the error and was, in fact, past due for the payment I missed. That offer was declined so, to bring an immediate end, I paid {$330.00}, which included {$270.00} in deferred interest, in spite of timely payments in an amount nearly 5x the required minimum for each month and that left my {$27.00} short of a final payment amount. I also told the company I received numerous auto-dialer calls over the past 2 weeks from Citi that left no message or when I answered no one ever came to the line. Had those calls reached me, I would have been within the 20 " grace period. '' I believe that Citi 's handling of this situation is extremely inequitable and that it warrants this report to the CFPB for review and documentation of Citi 's practices.
Consumer complaint received 2017-04-29
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. (CA)

On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     Thank you.
Consumer complaint received 2017-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (PR)

This company ERC, i think is a collection company are trying to collect a debt, from an account open fraudulently, And this account a XXXX has been deleted form my credit report because it was fraudulently opened. I dont have it in my credit report but they still sending me letter to collect this debt. I dont have to pay something that is not mine and it wasnt my fault.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My Wife, XXXX XXXX, opened a checking account with XXXX and later applied for a credit card with them in her name only in XXXX. In XXXX of XXXX she requested that my name, XXXX XXXX be added as an authorized user to the card that was only in her name. Apparently USAA decided to add me as a joint account user on the account which I never gave permission to. This business was conducted over the phone and I expressly informed the representative on the phone that I was in no way to be responsible for her credit card account. I never received any correspondence regarding to the account nor did I receive any account statements regarding the account. I only found out that my name was associated with the account when I requested my Credit report in XXXX time frame of XXXX. XXXX, my wife filed for Bankrupt status In XXXX of XXXX after which I called numerous times to XXXX to try to resolve the situation and they basically ignored me and told me that my wife had added me as a joint account holder which never happened. I surmise that after her Bankrupt filing that they took it upon themselves to try and collect her debt form me. My wife has no Power of Attorney from me and I never signed anything or agreed by phone to be responsible for this credit card account.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MN)

My complaint is regarding Synchrony Bank Creditor. 

I am writing to formally express my concerns regarding recent actions taken by Synchrony Bank concerning my credit card accounts. Over the past three months, Synchrony Bank has reduced the credit limits on five of my credit cards, including my PayPal and CareCredit  accounts. These reductions have significantly affected my available credit and, consequently, my credit score. 

The timeline of events is as follows : On XX/XX/XXXX, XXXX of my credit cards saw a reduction in its credit limit. 
Every 2-3 weeks since then, another card has experienced the same reduction, totaling more than {$5000.00} in available credit being lost. 
On XX/XX/XXXX, the credit limit on my CareCredit  account was reduced XXXX day after using it for an emergency vet appointment for my dog. This resulted in being unable to cover follow-up care and prescriptions, which were the primary reasons I applied for the CareCredit  card in the first place. 
Most recently, the reduction in my PayPal credit limit left me over the credit limit on that account, which was unfair since I had already made purchases based on the prior limit. This has now subjected me to penalties. 
While I acknowledge that my credit may not be perfect, I have always paid my bills on time and have never been late. These sudden and repeated reductions in my credit limits are both confusing and damaging. I am deeply concerned that these reductions are being made based on arbitrary credit checks, which seem unnecessary given my consistent payment history. Furthermore, reducing a credit limit to an amount below an existing balance appears predatory and unreasonable. 

I have already contacted Synchrony Bank on two occasions, both via phone and online chat, only to be given the same vague responses contained in the letters I received. One representative even incorrectly told me that I should contact XXXX, which I did, only to confirm that they do not make such decisions. Despite following the necessary steps and even sending a formal letter to their XXXX XXXX XXXX XXXX regarding the CareCredit  reduction, I have yet to receive a response or resolution. Additionally, my attempts to request credit limit increases have been consistently denied. 

I believe it is unfair for a credit card company to subject customers to random credit checks and credit limit reductions without just cause, especially when accounts are in good standing. Synchrony Bank should not be allowed to reduce credit limits below existing balances, causing further financial strain and penalties. 

I hope this matter can be resolved promptly and fairly. I would appreciate any steps that can be taken to rectify the situation. If no resolution is possible, I intend to pursue further action, including bringing this matter to the attention of relevant regulatory bodies.
Consumer complaint received 2017-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Hi there, I have spent about five hours trying to resolve an issue that was Amex 's error, and I hope someone can help. I was trying to pick a hotel for my upcoming trip to XXXX the other night. I browsed a number of different hotels via Amex 's travel portal, and eventually decided on one. I filled out the purchase information, and had my boyfriend review the reservation with me. We then placed the order, and on the confirmation page, Amex reported that it had just booked us a reservation at a different hotel than the one we had selected -- one that we had looked at in our search, but decided not to use. This reservation was also marked as non-refundable. We called Amex immediately to correct this mistake on Amex 's part, and were on the phone with them for over 45 minutes. They eventually informed us that it was up to the hotel as to whether or not we could cancel our reservation, and furthermore, that the hotel was currently closed -- we should call back in 2 hours. Since it was nearly XXXX XXXX at this point, I decided to call back the next morning. I did so, and after a long call with Amex, they attempted to call the hotel 's reservation desk and cancel again. This was unsuccessful, and Amex recommended that I call back again at midnight in my local time. I did this, making this the third call to Amex to resolve this particular issue. After another 45-minute call, I was informed that the hotel 's reservation desk was closed again, and was advised to call Amex back at XXXX XXXX in my local time again. This began to become frustrating. I ca n't keep calling Amex to ask them to ask the hotel to cancel a reservation that I never asked for in the first place. I would like Amex to deal with this, cancel the reservation that I never requested, and refund the charge to my account. I understand that the hotel has a no-refund policy, which we noted when we chose *not* to select this hotel in the first place. Since Amex 's website was in error, we would appreciate not being charged for this mistake. Thank you, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (FL)

I was shocked when I reviewed my credit report and found a late payment on the date below : *XXXX  2015 I am not sure how this happened. I believed that I had made my payment to you when I received my  statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-04-29
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. (DC)

On  XXXX   XXXX   2017 , I mailed a certified dispute letter to Experian asking for verification of the accounts stating I owe on my credit report. I have not received any information as of Today  XXXX   XXXX  on the status of the reinvestigation. These reports are negatively effecting my account and it 's my right to request the credit bureaus submit verification of a debt said owed. If the credit bureaus can not verify a debt it is to be removed from the credit file.
Consumer complaint received 2017-08-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

I have contacted the bank regarding loan mod paperwork - the point of contact and superviseor do not return phone calls and emails are auto-generated stating they are " out of office. '' The Bank dual tracked me to Foreclosure and are still practicing Dual-tracking to foreclosure when I have income to pay my mortgage and am trying to get a loan modification.
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

We were leasing an apartment at XXXX XXXX XXXX. Upon move out we received our final statement via email and noticed a charge of {$300.00} for cable boxes they accused us of removing after we moved out. I responded to the email and explained our apartment never had cable boxes and we would not pay the {$300.00} for for them. This was all communicated through email. This was in XXXX. I never received any response from them after disputing this charge. I was waiting to hear back from them or receive any official bill in the mail ( I provided them with my new address, email and they had my phone number ). Fast forward to XXXX XXXX when I received a letter from National Credit Systems ( a collection agency ) saying I " have failed to make suitable arrangement concerning the referenced obligation of {$800.00}. '' I immediately called National Credit Systems and explained I had never even received a final bill from XXXX and we had never finished our conversation regarding the disputed amount of {$300.00}. I told National Credit Systems this was not a valid debt. We disputed all charges from you and we told them to send the debt back to XXXX. They sent a settlement amount back to XXXX for {$500.00}, which XXXX agreed to, and NCS still posted the debt to the credit bureaus. I will pay the {$500.00} and I would have paid this amount to XXXX immediatly if they would have continued to work with me. Now I have a negative collection account on my credit and the National Credit System will not send this account back to XXXX and delete this accusation on the credit report. I want to pay XXXX for the corrected amount, but XXXX will not take my payment and says I have to pay National Credit Systems. I do n't want to pay them because that makes it look like it was a valid debt. Again I reached out to the apartments trying to work out my closing bill. I never got any response from them or any final bill after discussion about the invalid {$300.00} charge. Instead I received a letter 5 months later from a collection agency saying they had posted the unpaid debt to my credit. I have checked to verify and it is currently on my credit report. I am in the process of buying a home and this mess could prevent me from financing for a new home. Please help!! I feel like both companies have been unprofessional and unreasonable. XXXX validated their charges were inaccurate by immediately correcting the amount down to {$500.00} once disputed.
Consumer complaint received 2017-08-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (WA)

I refinanced my home in XXXX with an FHA loan so I could do a less than 20 % down payment. Origination date was XXXX with first payment being XXXX. Mortgage holder is Roundpoint Mortgage. I received a notice that my escrow was in arrears in XXXX of XXXX after they did some sort of escrow analysis that I was n't informed of. Long story short, I wasnt paying mortgage insurance nor was I ever informed that I had to until that date. XXXX XXXX I began paying insurance and was n't assessed a penalty because it was their mistake. Fast forward to this month, XXXX of XXXX. I am selling my home with closing taking place next week. When I received my payoff statement there was an additional charge of XXXX dollars on top of the remaining principal. When I contacted Roundpoint they informed me that it would he for the balance of the insurance carried through until the original end of term for the mortgage even though it will be paid off in full next week. I am aware that it is possible to be charged one more month but was never informed until payoff time that I would have to pay insurance for a loan that wo n't exist after next week. Roundpoint can not even give me an answer as to why it 's that much. Even if prorated, MIP is .008 % of the original amount. I may need to delay paying or even cancel the sale due to the unfaithfulness of this institution in reporting their payment practices to me correctly.
Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I applied for the  XXXX   XXXX   XXXX  card from  CapitalOne . They approved the application, but said my  credit score  was  XXXX  from  XXXX .   My actual credit at the time of the application was  XXXX  from  XXXX .   By giving me a low  credit score I  received a higher interest rate and lost the {$100.00} bonus.   I have called  CapitalOne a t least twice, no one seems to know the what department to direct my call. On one call I was placed on hold for at least an hour before I hung up.
Consumer complaint received 2017-04-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

I have had a consolidated student loan since finishing   XXXX   school in  2006, th e consolidation happened shortly thereafter.     Since finishing school, I have not earned enough money to make the payments on my loan and was steered by the loan servicer , Navient, into  deferment and forbearance options that caused my debt to skyrocket when I was eligible for other options such as income based deferment.     Had I known all of the options available to me in this process, I could have prevented nearly {$30000.00} in compounding interest to be added to my student loans over this period.     I do not know how I am going to manage paying this off ... the most recent estimate of my monthly payment is {$1000.00} in order to discharge this debt in a timely fashion.
Consumer complaint received 2017-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted Capital One, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but Capital One still shows under the collection tab with a XXXX balance. I need this removed from my report.