davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Peterson Enterprises, Inc. (WA)

I had a medical from the billing company, XXXX, for an XXXX in XX/XX/XXXX. I had other services since and paid the bills. I was sent a letter from Valley Empire Collections of XXXX on XX/XX/XXXX, that I owed this amount which I thought I had paid directly to XXXX, so I did n't pay the bill. I never received another letter or correspondence from Valley Empire, that was verified by XXXX at the office on XX/XX/XXXX. I just realized I have a derogatory note on my credit which started my questioning what bill it was referencing. She stated they have called but it is their practice not to leave a message. I explained that if you do n't leave a message, how am I suppose to know to call and pay it. So when I received nothing further after the first letter, why would I pay something I do n't know is still outstanding. I even suggested a second notice notice to let people know they have been unable to reach me, but they do n't do that either. So my complaint is really that I was n't given notice this bill was still pending and the company did not notify me of that so I could pay it and clarify why I still owed it in the first place. I know some people would n't pay their bills regardless of notice but as I explained to them, the people that would, like me, who has no late payments on any thing for years, thought it was paid, just needed contact, a second letter, message regarding the bill, that in a year it would seem like a smarter way to do business. It was paid today, once I clarified what had happened, and gladly paid what I owed but would like it investigated because it now has hurt my credit score, which will cost me more money for possible 7years, just because I was n't notified that it was still outstanding. I explained you can leave a message if you know it was the correct household, which she verified they knew the phone was correct, because my answering machine says my last name. I just feel this was unfair and something I could have clarified if I knew. Thankyou.
Consumer complaint received 2023-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting XXXX XXXX Account XXXX XXXXXXXX, has violated my rights. 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 a account without my written instructions.
Consumer complaint received 2023-07-27
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. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (TX)

First Progress is a secured credit card. I paid my balance in full and had not used the card in several months. I started to recieve statements charging me late fees and I did not understand what I was being charged for, and the statement did not have any information or purchase that I had made. When I opened the statement I was shocked to find late fees amounting to {$200.00} on the back of the First Progress statement states " if you think there is an error on your statement write to us at : synovus bank XXXX XXXX XXXX XXXX XXXX, TN XXXX so I sent a letter simply stating that I think there may be a mistake, because I had not used the card and wanted an explanation of the charges. I was sent back a copy of 3 statements that were identicle to what they had mailed. They did not give an explanation of the charges and included a letter stating they were closing my account and keeping my deposit. All i wanted was an explanation of what I was being charged for, they also state While we investigate whether or not there has been an error " that we can not try to collect the amount in question or report you as delinquent on that amount. As of XX/XX/XXXX I have not been provided with any explanation and I am not sure what " investigation '' was performed by them. They also violated my rights by charging me an additional late fees and kept my deposit. I have maintained the account since XXXX. Although I am fine with my account being closed, I still have not received any assistance with what i am being charged for and how they justified keeping the deposit. In summary First Progress has provided zero information to me regarding my balance or justification for stealing my deposit in response to me simply requesting information.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KY)

I paid off my loans with XXXX XXXX nka Navient in XX/XX/XXXX, after requesting and being provided a full payoff amount. I 've come to understand that Navient added a balance to my loans AFTER they were paid to XXXX. I was even sent a satisfaction letter confirming my loans were paid in full. They claimed a payment was misapplied to my account in XX/XX/XXXX, but they did n't catch it until after my loans were paid off. Not only that, after sending me a satisfaction letter, they NEVER sent me any correspondence indicating they added a balance back to my account. This egregious error was by their own hands. At a minimum, I should 've been officially notified of their error, especially since I have a letter from them stating my loans are paid in full. I called to Navient to address this towards then XX/XX/XXXX as this debt appeared on a credit report that was run on me as my wife and I are buying a house Someone at Navient told me, and this is a recorded convo, after I told my story, that Navient was in the wrong, and my account was going to be cleared of any liability, and to expect paperwork in the mail to that effect. 
This recording would be available in a subpoena situation. Apparently, I was lied to directly. I followed back up after a month of not having heard anything or getting anything in the mail, and was told " the person that told me that was wrong. '' I ca n't begin to describe my anger. I went through mindless appeals processes. The appeal is as follows : An agent of Navient, someone within the " Office of the Customer Advocate '' blindly makes my case to the FSA, on my behalf. Yes, that 's correct. Navient wronged me twice, blatantly mismanaged my account and misled me in the process, and the way I dispute this is put my faith in a Navient employee to appeal to the FSA in my favor. XXXX! And I 'm not even allowed to review the case she 's going to present on my behalf before its made. 
This whole experience has been like a bad dream. After their review, it was determined they 'd be willing to waive the " interest '' accrued to date. 
To me, while its something, its not good enough. The fact they 're willing to waive the interest means they 're admitting that they were in the wrong. 
And considering how it was handled on their part, and the fact I was lied to when told Navient would clear me of any liability, suggests to me they should take full responsibility for the remaining debt. We 're talking about {$530.00} here. Navient should do the right thing.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Jpmchase Amazon Visa card. Chase said my account was audited, needed copy of dr lic & SS #. I photocopied both, went to a branch, they faxed it 3weeks ago. I called to make sure it was received, it was received. Chase closed my card anyway. Ive called & spoke with many ppl, had to resend photocopies and a w9 form. Was told card would be reopened quickly. It has not. I feel Chase had no right to close card.
Consumer complaint received 2020-08-01
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: CITIBANK, N.A. (TX)

citi premier card and citi simplicity card both of these cards I usually make a minimum payment {$90.00} but because of covid-19 I genuinely missed these payments on the due dates and paid them late.
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (VA)

As a result of a class action lawsuit, ( XXXX v Equifax information, case Services ) case # XXXX ( XXXX ). I was to receive free credit monitoring and any Va District Court Judgement removed. This was in XXXX of 2016. I have the monitoring service, but the judgement has not been removed. I called serveral times. No one had any info about it. 
I tried to get to the corporate office legal department, but I had to know a specific name. I am a XXXX vet, trying to purchase a home. This prevents me from qualifying. Please help me.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (AZ)

I had taken a personal load to consolidate my credit card payments. I had entered that agreement when I was employed. During the covid 19 pandemic, I lost my job and was struggling to make my payments. I had informed the company that I was having a hard time paying my payments, and was looking for a job. At the time, many companies were getting relief as were borrowers. I had asked for assistance, and the customer service representative told me that I would have to be 90 days late in my payments to meet that criteria. So I followed her advice, which then increased my APR to 30 %, on top of additional fees incurred for EVERY DAY I was late in paying them. This is in my opinion, predatory lending practices. 

Then I was told that the representative who had provided me with that advice, was accutally not correct and that I was provided erroneous information. My credit score was significantly impacted and it remains on my credit report as a delinquent charge, even though I paid them in full and even though they lied to me. The last person I had spoken to with at Marcus, was incredibly rude and condescending to me. I will NEVER do business with them again. They deserve to be investigated and held accountable for lying and preying on people. I literally paid them off the moment I got a job and am grateful that I was able to, even though they literally were charging me additional fees and a very high interest rate. They should refund me those fees as well as apologize. They also have wiped out all the documentation on their website, the correspondence and anything I had on it. I will try and attach a photo to this submission.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Eastern Account Systems of Connecticut, Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I have been trying to get my Equifax credit report corrected since XXXX. I have written and digital correspondence from Equifax and CFPB on these issues. My personal info has been finnialy updated but I have no information on my credit report. The other 2 bureaus have all my information correct for the past 12 years. I am not sure where else to turn as XXXX and Equifax seem to care very little about the stress and monetary loss this has caused me over the last decade.. Please Help!!
Consumer complaint received 2024-01-12
Product: Credit card — Store credit 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: CITIBANK, N.A. (NY)

On XX/XX/2023 I placed an order at Macy 's web site Order # XXXX Rope Link XXXX '' Chain Necklace ( XXXX ) in XXXX Gold {$410.00}. According to Macys item was delivered on XX/XX/2023. I was never given a tracking number neither proof of delivering. I never received the item. 
Macy 's sent this email and closed my dispute : Dear Jose L Calle , Thank you for your recent inquiry.

After careful consideration of your claim and after reviewing your order history, we regret to inform you that your request for a credit or order reshipment has not been approved.

We value you as a Macy 's customer, so if you feel your issue has not been satisfactorily addressed, please email us at XXXX. 
Respectfully, XXXX A Customer Service Representative XXXX I believe Macy 's has a bias business practice with their Macy 's AMEX credit card in other words Credit Card protects Macy store interests while penalizing the customer in this case me, their refuse to credit back {$410.00} amount for the item I never received, their only answer is the case is closed. As a credit card user should be protected against a lost of item that was never delivered to me. 
I need your help to guarantee a fair resolution to this problem that will protect my interest as a consumer. 
To protect my good credit history I have proceed to paid for the amount of the item I never received, so for me a fair resolution will be for Macys to full refund me the amount of {$410.00}. 
Based on this this bad experience I will proceed to close my Macy 's AMEX credit Card account and stop doing any business with Macy 's as I believe Macy 's didn't look in account my best interest as customer.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

Towards the end of XX/XX/XXXX, I opened a business account with PayPal to facilitate my online store which sells digital goods and services. I provided all of the required business information including the business XXXX and state licensing information. The account was approved and opened within XXXX hours. Paypal immediately started collecting payments on XX/XX/XXXX ( the day the webstore launched ) up until XX/XX/XXXX when my account was " frozen '' for additional review. I was required to submit a copy of my photo ID and a short description regarding the details of my business, which I provided the same day. The system stated there was a 5 day turnaround for review. Approximately 10 business days later, after seeing no change to the account I phoned PayPal for an update. I was given the runaround and eventually told the review was still pending but that I would have a response no later than XX/XX/XXXX ( which was well beyond the 5 day initial review time ). I waited and upon noticing no activity as of XX/XX/XXXX I phoned PayPal again. At first I was told they were waiting on me to submit the required items I had already sent the day the account was " frozen '' ( XX/XX/XXXX ) so I asked for a supervisor to check again. After a 30 minute hold the supervisor came back and stated " my account was deemed too risky and set to " permanently limited '' status ''. I asked why and they stated they do not wish to part-take in digitial goods and services of my sort. I told them that was ironic because XXXX sells the exact same digitial products and services as a multi-million dollar company and have no issues with their PayPal services. The rep had no response. At this point all I wanted was PayPal to refund all of my customers money so I could have them repurchase their items via a different payment processor. They stated they were unable to do so for 180 days. I asked why that was the case and the response was because if any of the customers open a dispute on any of the collected charges, they would have the collected funds to settle said disputes. I pointed out the illogical stance of that policy : if the customers are all refunded, there is no way to create a dispute. The supervisor agreed but defaulted to a canned response of " I understand, but the system wont let me make any changes for 180 days ''. Long story short : PayPal eagerly accepted approximately {$500.00} in payments prior to performing their " due diligence '' on my business until after the fact and are now unwilling to release or even refund the original customers payments. Meanwhile the customers have been enjoying the digital goods and services they technically haven't paid for and my business is out the {$500.00}, while it is held in this nonsensical limbo.
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (LA)

On XX/XX/XXXX after reviewing my credit report I found a debt from Midwest Recovery Systems I immediately mailed them a certified letter number XXXX XXXX XXXX XXXX XXXX validation of debt letter the letter was returned to me refused by receiver I have the tracking information for this item. After the letter was refused I disputed this item with all three credit bureaus XXXX, XXXX  & XXXX all three credit bureaus validated this item as verified and updated per my request for validation. I can not be certain this is my account I don't even know who they company is collecting for and after Divorcing in XX/XX/XXXX I don't know if this was my account or my ex-husband 's account.
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I placed a security freeze on my accounts, Experian, XXXX and XXXX. I am currently in the process of buying a house and needed to have the security freezes lifted so the bank can run my credit report. XXXX and XXXX have lifted the freeze, Experian will not. I have called several times with no luck. They keep telling me they are going to mail me my pin to do it on line but the pin never comes.
Consumer complaint received 2017-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (MN)

I got a new cell phone number last year ( XXXX XXXX ) and this " XXXX XXXX '' company has been calling me every morning after XXXX am since XXXX of this year. And everytime I pick up no one answers, and everytime I call back to tell them to stop calling, they give me this " our representatives are busy, please hold '' spiel. I do n't owe them anything, so I 'm pretty sure my number was used by someone before me.
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (PA)

On Tuesday, XXXX XXXX I called this debt collection company that goes by the name of XXXX XXXX XXXX to ask why I got letter saying they were going to sue me. They were demanding a debt more than what I owe and trying to get me to pay more than what I could afford to pay for. The full amount they wanted me to pay was {$1700.00} nothing I 've ever spent. Then they tried to get me to pay XXXX or XXXX. Then XXXX. This was all discussed over the phone number they provided on the letter they mailed to me. I think this was the first letter they 've ever sent me. I do n't remember them ever contacting me although on this letter they claim to have made several attempts.
Consumer complaint received 2024-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (FL)

Ive been receiving numerous phone calls yet no messages left. Today I received a bill in mail for {$100.00} without any info. I called was disconnected. 
I do not want this company XXXX  on my credit report. I want the calls and bills to stop.
Consumer complaint received 2017-03-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

There was a car loan with Toyota Motor taken out in my name with me listed as the co-signer or joint owner. I did not co-sign nor jointly own a vehicle. I 've only purchased XXXX vehicles in my life a XXXX which was financed through XXXX, a XXXX and a XXXX financed through XXXX. The Toyota apparently was repossessed and resold leaving a balance in which is showing up on my credit. I 've disputed it with the credit bureaus as well as the creditor multiple times XXXX removed it but XXXX and XXXX nor the creditor will not remove it from my credit reports. I never co-signed nor signed a contract for a vehicle from Toyota and want this removed from my credit this is not my purchase. In addition, at the time of the purchase I was n't employed nor did I have any income to pay for a vehicle. Furthermore, I 've never has a repossession in my life, my XXXX was paid off in full with no late payments and I never missed a payment on my XXXX and I 'm still current in my contract with XXXX.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.