davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (CO)

I applied to an apartment building in the year XXXX, on XXXX XXXX XXXX in XXXX, CO, that I did n't move into. My information was used by another to set up phone service in the building. I first was notified in XXXX of this, and I resolved the issue with another collection agency. For some reason, they sold the debt to Stellar, the current agency. Stellar reported this collection in XXXX XXXX without ever notifying me that they had even purchased the " debt '', which I believe is illegal. This happened 16 years ago, and I am still being harassed. I have disputed this with all XXXX bureaus and it has been removed from XXXX and XXXX. I want it removed from XXXX as well. Thank you in advance for any assistance - I do appreciate it.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Is the company who reported hard hits on my credit. I gave no permission for this and they in fact did it again just to hurt my credit even more. I had a truck that I financed through this company back in 2006, I believe. the truck had major issues about 3 months after the sale and I even paid extra for the warranty through their own place they offered. But when time to cover something they denied it and it was plain sight that that it was completely covered, so the truck sat for 4 months and sense I had no other transportation, I lost my job and the truck was a repo. Then the threats and nasty calls began for months and even 3 years later. I tried to go into their office and work something out but was met with disrespect and nasty words. So later I found out they repaired the truck and added the extra to fix the truck to my balance, bringing the total amount for a truck that originally cost me XXXX with XXXX down, up to XXXX as a balance owed on my credit report. After all the nasty letters and mean voice messages I decided to let it just ride out and fall off my credit. After the seven year marker they tried to claim they had the right to keep it on there anther 7 years. After 6 months of back and forth with the credit agencies, they finally removed the loan. But then the next month I see these hard hits on my credit from them and after a few phone calls and telling me I deserve this and there 's nothing I can do about this I pretty much gave up hope. This is why I am making this report and complaint, in hope that someone can help me out with this. and get those XXXX hard hits removed.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (ID)

Marcus refuses to let me use my credit card since I informed them about new cell phone number. They even verified my identity by sending me a code via text and e-mail. I have been calling them every day for the past week and they simply say that someone from a higher up office will be calling me back the next business day and they are unable to verify my identity. I have had this credit card that was purchased from XXXX  XXXX bank for over 13 years. They also state that they are unable to help me with the tools they are provided. I asked to be transferred to the department that can help and am told they don't take phone calls but will be calling me back. This never happens even though they promise someone will call back. Very poor customer service and Marcus doesn't give their phone representatives any way to help their customers.
Consumer complaint received 2024-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

Between XX/XX/XXXX and XX/XX/XXXX I borrowed {$78000.00} in Private Student Loans from Sally Mae. These loans were assumed by Navient. 
I have, to date, paid back over {$86000.00} - paying more than the original principle. 

I am currently dealing with an identity theft case where someone took out {$48000.00} in student loans in my name in California ( I live and have been living in Tennessee during this time period ). These were XXXX Federal Loans and I am working with police and the government to prove this fraud. It has nothing to do with Navient or private loans. 

But Navient, without my permission, capitalized interest on my loans. 
They now show that I owe them ( the principle amount ) {>= $1,000,000} This has created an undue burden on my ability to pay my bills. And they are now wanting to place me into default. 

Yet they claim that if I wanted to pay these loans off today, my principle is {$140000.00}. 
This is clearly abusive and has created undue financial strain as they have increased interest payments to 17 %, and now require a monthly payment on par with a home mortgage. 

How can I, after having paid them for 14 years, having paid over {$86000.00} to them, owe them TWICE as much as when I began? 

Add that the school was closed and they were sued for misleading students. 
I was told they were accredited and they WERE NOT. I have a degree that has been USELESS in assisting me in finding meaningful, steady employment. That I can not use to continue my education should I seek. And I have ALREADY paid back and then some. 

And Navient is harassing me. I get 6-8 phone calls a day. My co-signer gets 6-8 phone calls a day. And the come from in-state numbers with no identification. 

I want the harassment to stop! I want them to dismiss my loans as I have ALREADY paid them {$7100.00} more than original principle. I want them to remove the negative credit reporting from my credit bureau and my co-signer 's credit bureau. 

I have all of the documentation ( statements, tax documents, etc... ) and am more than happy to share them with any agent ( s ) you assign to investigate my case. I believe this to be a clear case of predatory lending, harassment, and clear misuse of their authority to manage my loans. 

Thank you for any assistance you can provide.
Consumer complaint received 2020-10-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

The account was opened in XX/XX/XXXX, I closed this account and returned the vehicle. Now they opened the account back up and its not supposed to be open and are trying to have me pay the full balance of the car which I dont have anymore, for the past 2 years it was closed but then it got reopened this year in XXXX. If they cant update that data on my report I want this account removed. From both my credit report and the joint account as well
Consumer complaint received 2020-05-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MI)

I had an account with XXXX XXXX {$390.00} they billed my wrong insurance, then received a rejection. I paid the bill as soon as I was made aware. Was never provided proper notice to dispute and the Drs office also failed to cash my check for 6 weeks. Experian failed to do an proper investigation on Congress collection.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I had multiple conversations with navient XXXX where I was told my consolidation would remove the past due snd negative history of my credit bureaus. This did not it help XXXX. NOT only did this not happen but it too they sold or had a 3rd party collection agency calling me telling me I was n't eligible for consolidation. this was very very confusing to to get conflicting stories from XXXX different agencies. When 's i findlky got my consolidation done the monthly payment was {$200.00} more than what I agreed earlier to. I am requesting that my credit bureau be corrected. Asap
Consumer complaint received 2022-02-08
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY (CA)

The company that is contacting me is TD Auto Finance. Looking back at call logs, they started calling me back in XXXX XXXX XXXX, but I didn't realize the same number was calling me because I blocked the number. This lasted until sometimes in XXXX, where they started to send me voicemails every month, and I was able to see their caller ID. They told me to contact back XXXX which is apparently their collection agency. 

The issue is that I never heard of this company before this, and I am in no way associated with them and do not have any account of the sort with them. Even the person 's name that they called me does not match my name. 

I contacted them at their main general number ( which was used to call me ) at XXXX and the first person I spoke to submitted a request to have my phone number removed from whoever account it is back on XX/XX/XXXX, since I was getting tired of the calls and voicemails. However I received yet another call and voicemail today at XX/XX/XXXX. It is clear that the request did not go through and they will keep spamming me with calls and voicemails every week or so, even if I HAVE NO BUSINESS OF ANY SORT WITH THEM.
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNRISE CREDIT SERVICES, INC (TN)

We continue to receive collection calls for a XXXX XXXX XXXX at our telephone number. We have had this phone number for 4.5 years. We have informed Sunrise Credit Services XXXX NY that this is not XXXX XXXX 's number. Each representative assures us that we will non longer receive phone calls and that our telephone number will be removed from XXXX XXXX XXXX 's files.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NM)

Capital one has been pulling my credit report every month, some times up to 4 times each month, for the past year. The soft inquires do not look well on my credit report, as I am trying to obtain a mortgage. They also send me piles of junk mail continuously. They are also doing this to my husband and it is very frustrating. I called them once to have the resolve the issue and I was transferred so many time without a resolution.
Consumer complaint received 2016-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Optio Solutions, LLC (OH)

XXXX tried to repair my 24 year old clothes dryer, after assuring that it will work like new again, which did not produce enough heat to dry clothes at a reasonable time.But they failed to do so. It produced same inadequate heat like before. After repeatedly asking to correct the situation, I finally stopped payment. Now they are hounding me to collect even more money from me.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Innovis (IL)

Ran a check on my credit. Found numerous credit inquiries. Trying to buy a home but can not because I keep getting unknown inquiries and don't know how to stop it. Also, I think mortgage companies may have ran my credit more than once within a 120 day period.
Consumer complaint received 2015-08-09
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (CA)

To whom it may concern ; My name is XXXX XXXX and I am a previous Netspend cardholder. On XXXX/XXXX/2015 I filed a claim for unauthorized charges. I received correspondents in the mail on XXXX/XXXX/2015 informing me that claim # XXXX was found in my favor and {$180.00} would be refunded to my account. Unbeknownst to me, my account was closed on XXXX/XXXX/2015 without reason. I was never informed of anything suspicious on my account nor was I informed that my account was even being closed. On XXXX/XXXX/15 I tried logging into my Netspend account only to receive a message to call customer care because my account was locked. At that time they informed me that my account was closed and the funds were issued to a check and sent out to my address on XXXX/XXXX/15. I have yet to receive anything in the mail and any helpful answers for Netspend Customer Care. I even opted to have the check canceled and the funds put into a relative 's Netspend account. I 've read numerous accounts and complaints about closed account owners never receiving their check as promised. I can not afford to be one of those. If the check was sent out from Texas on XX/XX/XXXX, I should have received it by now. I just need my funds returned please. 
Thank you.
Consumer complaint received 2022-02-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (NV)

National Collection agency I asked for settlement and the settlement was reach at {$280.00}. I paid the {$280.00} and received a letter from XXXX XXXX an employee with the company that is was paid and has a XXXX balance, however when I called them claimed it was a {$280.00} pay off.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2016 I had a balance of {$1900.00} and XXXX purchase of {$24.00} made on XX/XX/XXXX. The {$4.00} posted to my credit card account on XX/XX/XXXX the same day as the interest charges for purchases and cash advance charges were applied to the balance. At this point I should have an available credit of {$51.00} but instead I have an available credit of {$14.00} which I believe to be wrong. Further I believe that I have been charged the total interest charge of $ XXXX twice and that leaving an available credit of XXXX
Consumer complaint received 2016-11-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX, my mortgage holder, is reporting to Equifax that I am {$4300.00} past due and that my last payment was in XX/XX/XXXX. Not true. I am current, next payment due is XX/XX/XXXX and I havent been late in years. XXXX XXXX from XXXX has sent Equifax the correct information numerous times since XXXX and its still not fixed and he doesnt understand why they haven't updated it. I filed an online dispute with Equifax ( XXXX ) and the results came back that XXXX verified that the delinquencies were accurate! Not true. XXXX doesn't know who received my dispute at XXXX but it wasn't him. ( He said he is the liason for them ) My wife is listed first on our mortgage and her credit reports are all being reported correctly by XXXX.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

On XX/XX/2022 i was at work and i received a notification from CHIME bank about a {$1000.00} contest they were having called " CHIMEMONEYGOALS '' I made whatever I have to do to participate. Minutes after at XXXXXXXX XXXX I received an email from Chime saying that my phone number was changed and an other email saying that my phone number was changed at XXXX XXXX. As soon as, I realized about the first email a minutes after ( XXXX XXXX ) I called Chime. I talked to the representative for 24 minutes she told me that " my account was secured and deactivated, nobody can have access to it, I asked her about the amount of money that I had and she told me the correct amount of money ( {$1600.00} ) on my account. I went back yo work and hour after when I checked my account it was only {$100.00} on my account. I called Chime and explained the situation that happened and they told me to submit all the pertinent proof that I have to open an investigation about the situation. I sent everything all the proof I have and they told me that in 10 days they were going to answer me the second day I called to know about the status of the dispute and they told me that I authorize the transaction that was why the dispute was denied. I arguing and arguing with them because they told me, I authorize the transactions. After the discussion by phone they told me that send more information to reopen the dispute. I sent the emails that they sent me from Chime changing my email and my phone number, the phone call from my call list showing them that I called a minute after the first email, a picture of the time I clocked in and out from work that day. After I sent everything, they told me that they were going to come out with an answer in 45 days and if they did not solve the situation in 12 business days I was going to get refund. I called after 12 business days and they told me that they had a final result that I authorize the transactions and they were not going to give me my money back.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

. When you go into your chase account and make a future payment to any chase product you do not have the ability to see pending payments in the account that the payment is being made from. You can see other future pending payments for non chase payments though. Chase has decided that you should only see pending payments for their products in the account the will be credited not the account that will be debited. Chase can not and will not show their customers a true representation of what will be occurring in their checking or saving accounts. Most consumers have multiple accounts with chase. Such as mortgage, home equity loan, credit cards, car loans, student loans and so on. If you share bill paying responsibility with a spouse you will have no idea if a pending payment has been made from your checking or saving account. You must scroll though the multiple other screens to each product to see what is going on in your checking account. Why ca n't you see it in your checking account? OVERDRAFT FEES. And late payment fees. Why would they take your ability away to actually tell what is going on in your account. It is all about fees. As a consumer we should be able to see our accounts online and to be able to see all debit activity and all pending debit activity for all payments in those account. we must be able to reconcile what debits will be made from your accounts for all activity and not just activity chase feels you should see.
Consumer complaint received 2020-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (CA)

XXXX is trying to collect on a debt that was charged off >7 years ago.

This debt was satisfied with the original debtor more than 7 years ago. 

XXXX XXXX XXXX is sending mail regarding a debt that was charged off and satisfied. It has been more than 7 years. 
Ge money bank and was charged off
Consumer complaint received 2016-02-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torres Credit Services, Inc. (PA)

XXXX XXXX, a division of XXXX, has submitted a bill to collections against me. The charges are related to an energy bill for XXXX of XXXX for a former residence of mine. I vacated the home, and closed all accounts with XXXX, in XXXX of XXXX. 15 months later, they assigned these charges to me. Upon investigation from the collections agency, it was revealed that XXXX had sent a meter-reader to the home, 15 months after I vacated the property and closed my account. Based on that reading they assigned charges to me of {$230.00}. These charges took place 15 months after I had lived there. Multiple other XXXX accounts had been opened by the new residents at the home since mine was closed. XXXX has been unable to offer me any explanation as to why these charges were assigned to me, and have stopped returning my calls and emails. I have contacted all XXXX major credit agencies to dispute the collection ( which caused my credit score to drop significantly ). After investigating, all three determined these charges to be unlawful, and deleted it from my credit report. 

I would like for there to be an investigation into how a company like this can simply re-open an account that I closed 15 months prior, and start adding new charges. There was no attempt to contact me regarding this debt, in fact I have had no contact with the company since the day I closed my account upon my relocation in XXXX XXXX. They simply sent this directly to a collection agency.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

the collection company contacted me with XXXX % debt reduction offer for payment if made by XX/XX/2016. I sent the check that was dated XX/XX/2016. 

they contacted me again on XX/XX/XXXX ( after a whole month ) to say that they have not rcvd the check on XX/XX/XXXX but on XX/XX/XXXX hence the XXXX % offer is not valid and they are requesting the remaining XXXX %. 

Also, the collection company did not report to credit bureau that i paid the XXXX % or that by their offer that dept should no longer exist. 

since I did n't send my check via register mail, it 's their word against mine. i did try to reason with the person i talked to that 1 day should by acceptable for error margin but they refused.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

The CFPB resolved an issue for me with a XXXX credit card. XXXX apologized and refunded all late fees. However, Sears is still reporting this issue as a late payment on my credit report. Please ask XXXX to remove the late payment on my credit report.