davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Choice Recovery, Inc. (NE)

A doctor used undercoding in order to charge me for services I didnt even need. This is unethical. The debt went into collections. I got a letter from Professional Choice Recovery Inc XXXX XXXX XXXX XXXX XXXX XXXX I sent {$40.00} to the billing part of the physicians office already. There was never any need for any of this treatment since the debt was unethical anyway.
Consumer complaint received 2022-03-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Clark County Collection Service (NV)

I went to doctors and XXXX paid the hospital but not the doctor the hospital never sent over the information for the doctor to get paid. This shouldnt be on my credit and the bill should have been paid but since they never got my insurance information its on my credit. I kept saying that I have insurance eventually I told them to stop calling
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hello, I recently gotten my capital one secured card closed for missing a payment or 2 I didnt know about Ive gotten no emails no calls ect and I didnt know of the payments or payment I missed. So I recently gotten ahold to my amount I owed my credit card company and I paid my amount if full which was XXXX dollars and they restricted my account then once my payment cleared with my bank they closed my account unknowingly, and it made my bank account go into overdraft. I called them to see why they would do that once my payment cleared and saw that I tried to pay it off then just closed it and they couldnt give me an answer, but they told me thank you for the payment then disconnected my call.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (MD)

I, XXXX XXXX, am writing regarding the charge off in the amount of {$380.00} of Synchrony bank account # XXXX, XXXX account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$30.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus shows reported payments received from XX/XX/XXXX up until XX/XX/XXXX. 

I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$120.00} ; however, my XXXX report shows an original charge off in the amount of {$380.00}.
Consumer complaint received 2019-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

In earlyXX/XX/2019 I attempted to open a chase checking account with the intent of taking advantage of the {$200.00} sign on bonus. I started to apply online but shortly into it there was an issue identifying me so it said i would have to apply in person. I did so on XX/XX/XXXX and then set up direct deposit the following week. According to the front page of the chase website, that is all that is required to earn the bonus. 
Quote : " To receive the {$200.00} checking bonus : 1 ) Open a new Chase Total Checking account, which is subject to approval ; AND 2 ) Have your direct deposit made to this account within 60 days of account opening. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits ( such as Social Security ) from your employer or the government. After you have completed all the above checking requirements, we'll deposit the bonus in your new account within 10 business days. '' As of XX/XX/XXXX the funds were not deposited so we called the branch as well as chase support. They all stated that nothing could be done since we did not have a 'coupon ' ; of which the requirements above nor the bank teller made any mention of when opening the account. If there are more requirements to receive the bonus then they need to be plainly mentioned. As it stands the paragraph on the front of the chase website is fraudulent and false advertising.
Consumer complaint received 2019-04-26
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: CITIBANK, N.A. (CA)

I applied to CitiBank for a XXXX XXXX XXXX. The letter of denial is 100 % lies or incorrect information. They say XXXX  is saying all that ; however, XXXX and XXXX  don't have a direct person that can help me. I also have a XXXX CitiBank Visa. I have 100 % payments on time record. My score with Equifax is XXXX! 
CitiBank is falsely saying : XXXX. I have filed a bankruptcy, I NEVER HAD! 
2. CitiBank says I have existing and previous accounts with XXXX that have a history of late payments ; this includes credit cards.

3. The credit privileges on my existing accounts ( s ) are currently restricted. 

All of the above reasons are all false. CitiBank says the information is based on XXXX XXXX XXXX 2002, XXXX, TX XXXX. I have tried to contact XXXX and Experience ; however, they are not reachable. I've even tried to contact corporate, XXXX XXXX XXXX. And when I requested a report, XXXX told me I have already a login. I tried to login and they told me it was incorrect. I requested the password and login, but XXXX never sent the email I gave them XXXX.
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received two hard credit inquiries on my TransUnion credit report from XXXX. The first was on XX/XX/2019 and the second on XX/XX/2019. I did not apply for anything from XXXX, so this was fraud. 

I attempted to contact XXXX XXXX times. The first time, they said they couldn't do anything and to contact TransUnion. 

Today, I called and they found an account setup under my name. However, they still would not help me get these incorrect credit inquiries removed.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Another name is showing up on my credit report. Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

At first They claim that I was late on my mortgage payments for over a year and half. after multiple contact and request I was finally able to locate and find the right institution to talk to and they failed to informed me of my misapplied payments. Moreover, they advived me that will take care of it right away. Now 45 days later they still haven ' done anything, and they refused to provide us with the proper document showing all my payment and not late payment for me to show my creditors. With that in mind I'missing out a lot of invesment opportunities.
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WI)

I think I may be a victim of predatory lending when it comes to the terms and conditions of the private loan I had originally taken out with Sallie Mae, now Navient in 2007. The interest rate is insane and the amount that is taken out of my account automatically each month can change without notice or approval. I have been repaying this loan for over 10 years and still have 3 years of projected repayment for a loan that was under 10,000. I called Navient to try to talk about options and concerns with a representative who told me I had zero options because it is a private loan and the conditions were decided by the lender ; and could offer no aid or suggestions. The school I attended for which I took the private loan out is not even in business any longer and appears to have had many other complaints on legitimacy as well.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I am writing to request your assistance with receiving documentation of resolution of fraudulent charges that were made to my Citibank XXXX XXXX Master Card Account. Last fall, I received a notice that {$30000.00} in charges were made to my credit card account.This is a credit card that I have not used in several years and I never made these transactions and never received any bills for any of the transactions in question. 

I was advised by Citbank customer service that an investigation would be conducted and that I would receive an update when the investigation was completed. During the past 6 months, I have continuously received notifications that I have been sent to collections to make arrangements for payments. Over the past 2 months, I have called Citibank customer service and I have been told that the case was resolved and that I would be receiving a notice from Citibank to verify the completion of the investigation and to confirm that I am not responsible for any of the charges incurred and that collections agencies have been notified. 

During each call, I have been told that I would be receiving this notification within a week. I understand that you have a large volume of fraudulent cases. However, I am frustrated that I have not received a single letter, call, or email from Citibank to advise me of the status or the resolution of the investigation. I am deeply concerned that my credit rating has been compromised as a result of this fraudulent activity. 

I simply am asking for an official letter or email to verify that the investigation is completed and that I am not responsible for the charges and that my credit is in tact. I am a responsible consumer and am frustrated about the amount of times that I have had to call to inquire about this without any resolution. 

Can you please help to rectify this situation? If you have any questions, you can call me at XXXX. 

Thank you for your attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Creditor Name XXXX XXXX XXXX Account No. 
XXXX Original Creditor 11 XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/2019 Date Reported XX/XX/2019 Remarks Placed for collection Transunion not letting me dispute on line
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My correct date of birth is not reporting. 

XXXX Different address are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-26
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. (GA)

Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my report.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Recovery Group LLC (WA)

This is the 3rd time I've had to file a complaint on this business and I will not stop until this injustice is corrected. 

This company is willfully and blatantly non-complaint with their debt collection practices. 

1. I never received a notification within 30 days of this reporting on my credit report. 
2. When I requested validation of debt, they sent me paperwork with someone else 's name on it. 
3. When I dispute with the credit bureaus, genesis " verifies '' that they are reporting the information correctly, but it's blatantly inaccurate. 
4. The collection failed to prove that they own the claimed debt. 
5. When they found out that they are ignoring federal law and the name on the paperwork doesn't match my name, they sent me a handwritten. 
6. The company is illegally charging interest. It's not legal for a company to charge interest unless it's specifically written in the initial contract. 

I know the CFPB is searching for some Class Action Lawsuits and I think this would be a great company to investigate. If I've had these problems resolving something that is blatantly misleading, inaccurate and unverifiable - just imagine how many consumers are being violated by this company.
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit, Inc (NJ)

Volkswagen Credit ( also known as VW Credit and XXXX XXXX , XXXX ) advertises that they have no pre-payment penalties for early payment of principal on car loans they provide. What they do not advertise is that there is no way to self-service this pre-payment ( via an online portal or webpage ) ; in fact the ONLY way to apply a pre-payment to principal at VW Credit is by calling in to their 800 number and even then, only by speaking to a live representative. This number routinely takes over 20 minutes to reach a live representative. VW Credit has proven their disregard for American laws and regulations, and now they are materially impacting the ability to pre-pay their loans by enacting systematic and process-driven blockers in an effort to drive more interest revenue ( NOTE : prior to XX/XX/XXXX overpayments were automatically applied to principal ). 


Product/Service : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Purchase Price : XXXX Payment : Partial payment made Cash Disputed Amount : XXXX Date Problem Occured : XX/XX/XXXX XXXX XXXX Date ( s ) Complained : XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX Purchase Date : XX/XX/XXXX XXXX XXXX   Salesperson : XXXX I also attempted to create a XXXX complaint and received this response : Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/XXXX against XXXX XXXX , XXXX Your complaint was assigned ID XXXX. 

We regret to inform you that the XXXX XXXX XXXX can not process your complaint. The case has been reviewed by one of our Complaint Specialists and was found to contain issues that are out of XXXX XXXX purview. 

XXXX is a private non-profit service organization that has no legal authority over companies. We do not regulate the laws for Illinois State. You may want to contact Consumer Protection,  www.consumerfinance.gov. 

Sincerely, Your XXXX Customer Relations Advocate XXXX  Serving XXXX and XXXX Illinois P : XXXX E : XXXX XXXX
Consumer complaint received 2023-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (IN)

I want to pay ahead on my mortgage to create a financial cushion for my family. I have tried many times to pay online with Mutual of Omaha. They only provide options that include a split of your principal and interest, something no one can know when they pay, it changes monthly! There is no way for someone to pay ahead, online. They only allow me to pay ahead if I call the company and pay a {$12.00}, per payment, fee. I can also mail in a check but that can take a long time to clear, and it could default in my account. I need to find a way to make a payment ahead that doesn't penalize me for paying ahead. I have also spent many hours on customer service trying to find a resolution and they refuse to offer any answers. The inability for me to pay my mortgage up front has now almost eliminated our financial cushion, and put our future in jeopardy.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (AL)

Received a fraud alert before I received the card. 

Multiple phone calls, somewhere around XXXX, have been told XXXX times the problem was resolved, but, it wasn't, next calls keep resulting in letters I need to wait for. Letter had no useful information. 

I have the card, but, they keep giving me runaround about verifying information.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

i ordered several items from XXXX, of XXXX, pa. most of the items were received, plus they charged me for shipping which was supposed to be free. on XX/XX/18, i paid {$23.00} for the two sweat shirts, leaving a balance of {$27.00} the balance of {$8.00} was paid in full. this is when i discovered that shipping charges were made, and the late charges started. i have a {$120.00} balance and they willl keep it up unless something is done to stop them. the bank involved is the XXXX XXXX. i really hope something is done because now we are in the area of harassment, thank you for your time and co- operation sincerely yours, XXXX XXXX XXXX . thanks again.
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Someone has been using my information to obtain loans and other forms of credit. Despite the fact that I have reported this activity to the credit bureaus, more accounts are appearing on my credit. Recently I received an alert of yet another account ( XXXX XXXX XXXX  ) that appeared on my credit. I would for the credit bureaus to investigate and remove the errors from my report.
Consumer complaint received 2019-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

They filed for Possession Only on XX/XX/XXXX amount : XXXX. Then filed Unlawful Detainer on XX/XX/XXXX. It was Dismissed on XX/XX/XXXX amount : XXXX. This Creditor/ collection was the Attorney that represented the Plaintiff in court. I sent a Debt Validation letter by Certified Mail by the United States Postal Service on XX/XX/XXXX and it was signed for on XX/XX/XXXX. No reply as of XX/XX/XXXX. I never received a bill asking for the amount of {$2500.00}. My mailing address and phone number is still the same as the court papers.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account has been paid in full {$21000.00} and no late payments were had. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have a right to privacy. ( 15 USC 1681 ( section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2019-04-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I am in a title loan which has an extremely high interest rate. Since I am on XXXX XXXX I believe I am covered under the Military Lending Act & The Servicemembers Civil Relief Act for a reduction of interest.
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX BANK XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XX/XX/XXXX {$1000.00}
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

06 XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XX/XX/XXXX {$28000.00} XXXXL XXXX XXXX   XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$490.00} XXXX/XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XX/XX/XXXX {$1000.00}