davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

My name is XXXX XXXX XXXX, XXXX Era Veteran XXXX, In XXXX to XXXX I was enrolled at the XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, CA. At the time I applied for several loans to supplement my education. The federal loan guarantor was Sallie Mae. I have been working in the retail industry for past 18-yrs. Retail jobs don't pay what they use too! We barely make enough money to pay our rent. Since XXXX of XXXX, I have been in school for the past three years, I filed an in-school deferment with XXXX in XXXX, after having completed a one-year payment rehabilitation program with XXXX. I was assured that my student loan was out of the default, then I received notice from Navient stating that my student loans were in default and was required to enter into a contract since then my federal taxes have been garnished each year XXXX. 
I spoke to Navient and asked them if they were connected to XXXX, they said no '', and that they have no record of me ever paying down my student loan or entering an XXXX  rehab program. I was also told by Navient that I could not submitt an in-school deferment because I was to far in default, and that this was the only option. 

Last week XX/XX/XXXX, a person named XXXX from Navient said that I could be a candidate for the fresh start program, and sent me an application. I was surprised to find out that the loan guarantor on the fresh start application is listed as XXXX, which Navient denies having any ties with that company. Below is a copy of the email I received from Navient. So my question is is this legal what Navient is doing, or are they committing fraud. 
I am a XXXX Veteran of the United States XXXX XXXX with service-connected XXXX, my education is currently being funded by the U.S. Department of Veterans Affairs Vocational Rehabilitation & Education Program. I have three dependents my wife and I make less than {$24000.00} a year, this is the reason I am pursuing an education to improve our situation.

Email sent to Navient : Hi XXXX, thank you for sending the PDF fresh start application. However, I have a question, I noticed that the application has XXXX listed as the guarantor, I was told by one of your representatives that Navient was not connected with XXXX. During XXXX, I entered into a rehabilitation program with XXXX to bring my federal student loans out of default, I completed the program only after making several payments to XXXX only to have XXXX refer my loans over to your company. Which seems to be one and the same. When I inquired with your company, I was told that no record exists of any payments made during this time. But yet your contract indicates that you are apparently doing business on behave of XXXX. Can you explain the reason for this! 
Thank you, XXXX XXXX The Attachment send by Navient : NAVIENT XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( aka ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} $ {$13000.00} $ {$2100.00} $ {$15000.00} $
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (IL)

The credit card was sent to me with the wrong first name on the account. I attempted to rectify this with the company and actually have another complaint filed against them that I am waiting for them to respond to regarding the name issue. They told me to fix the name that I had to send them a copy of my social security card and ID, which I faxed it and they never responded or fixed it. So, I mailed it and asked for signature on delivery. The signature reads, XXXX XXXX- I highly doubt there is an employee named XXXX XXXX - this is concerning because it was sensitive information, anyone could easily steal my identity with this information that was in the package. I have attached a copy of the tracking so you can see the signature name. I am very concerned. I think considering that Citibank has possibly compromised my information multiple times that they should pay for identity theft monitoring for the next year. I also would like to be reimbursed for all of my postage costs due to their mistake and incompetence. I also attached a copy of my conversation with customer service in which they told me to send my sensitive information to this fax # and address.
Consumer complaint received 2018-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC. (LA)

As allowed under FDCPA I am requesting that you allow me to validate the alleged debt. I am allowed under the HIPPA to protect my privacy and medical records from third parties. I do not recall giving permission for them to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more is to only be revealed with patients authorization. Therefore, my request is twofold, validation of debt and HIPPA authorization. Please not that withholding the information received from any medical provider in an attempt to be HIPPA complaint can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider about this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back. If you can obtain this information, I will also need the name of the person providing this data, and the way it was provided. If you can not obtain the information from the original creditor within the required time frame ( 30 days ) please delete this account from all of my credit reports.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (GA)

Starting in XX/XX/XXXX I started receiving calls from ability recovery solutions regarding a Medical bill they claimed wasn't paid and I told them I was approved for SSI and Medicaid in XX/XX/XXXX. I had been fighting for XXXX for a few years altogether, and they backdated the Effective date for Medicaid back to XX/XX/XXXX they told me to call the hospitals and have them pull the accounts they had sent to collections back and file them with Medicaid instead. The hospital that the bill came from told me they pulled them all back and they were paid and closed. Well, I started getting calls from the collection company, and when I said to them that debt was paid they got rude and said to send proof to them, then they might close it. But when I tried to communicate with them about it they got hateful on the phone and threating towards me, and I called the hospital the bill came from, and they said they shouldn't be collecting on that debt, and they tried to contact them. but they refused to take it off my credit report and kept calling multiple times daily threating legal action and hurting my credit and because of them, my credit score dropped down really low. Also, they never sent proof in the mail about the debt when requested
Consumer complaint received 2018-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

On today XX/XX/2018 I ordered copies of my credit report and was horrified at the fraudulent accounts that are on there. Capital one which is showing two accounts and a XXXX XXXX showing two accounts for a XXXX XXXX   and a XXXX XXXX. I ordered my XXXX XXXX report like FTC told me to and capital one is on there for a 360 checking account which is not mine and it is negative
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/2021, I checked my banking app for my Chime online banking account. I was shocked to see an unauthorized withdrawal for {$980.00}. Further examination of recent transactions showed 2 more unauthorized withdrawals 2 days earlier one for {$500.00} and again one for {$980.00}, totaling {$2400.00}. I had never received a text alert from these transactions, as my account settings usually inform me of any withdrawal. Additionally there was no further information such as location connected to the transactions. 
I immediately called customer support who instructed me to put a block on all transactions while I was issued a new ATM card. As I was still engaged with Chime customer service, I received an email informing that a new ATM withdrawal was DECLINED for the amount of {$500.00}, exactly matching the earlier unauthorized withdrawal. However this time the email included the location of the attempt. The location was in New York XXXX at a XXXX Bank. I have never been to a XXXX Bank and have been caring for a family member with XXXX in NEW JERSEY. 
I was assured by Chime the matter would be resolved and not to worry. Upon further personal investigation, I came across several articles regarding a large scale ATM scam being run in XXXX and involving XXXX Bank leading to several arrests. 
As of this writing, Chime has declined to refund the money stolen from my account TWICE. During these tough times, the money stolen from my account makes up a significant portion of my savings and I do not have the funds to hire a lawyer or the time to spend on the phone with Chime or solving an ATM crime ring on my own to prove I was wronged. It is unclear how they came to those decisions and difficult to get an actual person to explain them to me given the information I provided.
Consumer complaint received 2018-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
Consumer complaint received 2022-08-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

0n XX/XX/2022 I filed an Experian credit dispute requesting XXXX XXXX XXXX provide documentation validating the reported debt on my credit report. XXXX XXXX XXXXXXXX failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. XXXX XXXX XXXX XXXX failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Consumer complaint received 2021-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

Re : Interests were capitalized in error. 

It came my attention that on XX/XX/XXXX FedLoan Servicing performed a retroactive action on my federal student loan accounts to capitalize all unpaid interests retroactively as of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX a transfer of my student loans occurred due to my submission of a Public Service Loan Forgiveness XXXX XXXX ) Employment Certification form. When this transfer occurred in XXXX, all of my student loans were already on the Revised XXXX payment plan. There was NO CHANGE in the payment plan as part of the loan transfer. There was NO CONSOLIDATION OR ANY OTHER CONDITION that would lead to an interest capitalization event. 

My initial communication to FedLoan on XX/XX/XXXX about this issue led to a response from FedLoan stating that " When your loans transferred to FedLoan Servicing from your prior server the interest was added to the loan Balance. '' However, this answer from FedLoan Servicing was incorrect because the circumstance of my loan transfer ( due to XXXX  certification ) should not have triggered an interest capitalization event. My follow-up inquiry to FedLoan on XX/XX/XXXX seeking further clarification on this issue has led to no further response from them. 

I am writing to seek your assistance to compel FedLoan Servicing to immediately correct their mistake and reverse all related retroactive changes made to my student loan accounts in XX/XX/XXXX in connection to your error in retroactively capitalizing the unpaid interests as of XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-02-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Sent XXXXXXXX XXXX XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, XXXX placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

I am attempting to issue a complaint concerning credit card practices against Goldman Sachs, Marcus GM rewards card. When a charge is made that looks suspicious or out of the normal practices with my spending, GM Rewards will send me a text asking for verification. I like this practice as it can help me verify bad charges. However ; when I return text that I did not make the charge they cancel my card. I then must call them in order to have a new card and account number assigned. The concern with this is the fact that I must set up a new account and number rather than just dealing with a one-time fraudulent or mistaken charge. Companies that I have chose to use that account now see a canceled account that will affect my service with them. 
The problem is this : I have several service accounts that charge for services directly against this Goldman Sachs Marcus account. When the account is closed without my authorization or knowledge, these service provider stops their service due to non payment or closed account. 
I must : 1 ) first discover that the credit card account was stopped therefore my service with the various service provider have stopped.

2 ) Call and reestablish the Credit card account with a new number and card.

3 ) Wait for a new card to be issued to me and then contact my service providers to establish a new account. Also, the time being without the service that I was needing during this time. ( no internet this month ) 4 ) This process even cost me money in terms of higher fees with XXXX service accounts. 

I had special pricing with an internet provider. By stopping and starting a new account with them I lost my special pricing, costing me an additional {$9.00} per month during the next year. This is also true for other simple services like XXXX, XXXX and others. My additional monthly cost due to this action is now about {$20.00} per month more in these service fees due to Marcus action. 
I have occasions to purchase pizzas with a charitable organization often from XXXX XXXX pizza. This has happened with me 3 times during the last year and now XXXX XXXX will not even set up a new account with me, with any card ; because it appears that they see me as a credit risk always having credit cards canceled Needless to say, Golden Sachs credit cards is no longer my card of choice. However ; I suspect that there are other credit card companies that have similar procedures. I hate to think that this is a scam set up by Goldman Sachs or other credit card companies in order to assist big companies that they desire to gain favor with! 
This practice that they advertise as a convenient special card service is no way convenient. It is unfair, time consuming, and will even cost their client money. 
To add to the injury ; when discussing this feature with customer service they sound more like a pawn shop barker, and continue to explain that it is a special added service to their customers..
Consumer complaint received 2023-03-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

I finally got the information as to why I have a charge from the company Commonwealth Finance XXXX XXXX XXXX XXXX PA XXXX that is just now being placed on my credit report from back in XXXX it's XXXX over 5 years old now from a XXXX XXXX emergency physicians office they stated to me it has to do with my daughter I'm XXXX I have Medicare Medicaid I'm fully covered as well as my daughter information at the time if she even saw them at that time was given to them however I'm assuming they didn't file for the payment until XX/XX/XXXX in which over 5 years ago I'm guessing Medicare Medicaid doesn't go back 5 years for medical billing issues she still is fully covered so I'm not understanding why they didn't file at 5 years ago why they didn't try to file it in a timely manner which is not my fault at all however it would appear that they're still trying to get me to pay for services that was covered by a medical insurance that she still has and that I still have it sounds like a their problem however they're now just now attaching it to my credit report and has put my credit in the toilet because of their incompetence
Consumer complaint received 2022-05-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My car was totaled and the insurance paid everything off but the deductible which was XXXX XXXX I first paid off XXXX XXXX which would leave me with a XXXX $ balance on the car loan. When I tried to pay the remaining XXXX $ they stated that I owed XXXX $ which was completely inaccurate. I escalated the issue and it took them approximately XXXX months to resolve the issue. As soon as I was notified that the issue was resolved I paid off the remaining balance ( XXXX $ ). Shortly after they reported that I had late payments on the loan! I never had late payments! they had a technical error showing an inaccurate balance and they report me late? This is completely unacceptable
Consumer complaint received 2018-02-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Eagle Financial Services, Inc. (IN)

XXXX XXXX XXXX. XX/XX/2016 {$2400.00} to present.. 
I was charged a 39 % interest rate when my credit score did not constitute such a high rate. The rate was raised by insurance that was packed into the loan that was unnecessary and useless. The XXXX insurance is useless because I'm already XXXX. The insurance to cover the collateral was unnecessary because I have renters insurance. I believe I was taken advantage of because of my deminished capacity to understand the paper work that I was rushed to sign. Because of my XXXX XXXX.. XXXX XXXX XXXX XXXX..XXXX. I am required to take heavy medications including XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ). And XXXX ( XXXX ) .. These medicines make it impossible to think clearly as quickly as I was moved through the loan process.. Checks to the insurance companies had already been cut before I started filling out paperwork and were the first things for me to sign.. I was given the impression that it was Required to receive the loans since the checks had already been made out. I also believe I was charged a predatory interest rate because of my XXXX XXXX XXXX XXXX.. my credit score at the time was not bad enough to require a 39 % rate when I was later approved by another company at 29 % .. I believe XXXX XXXX intentionally violated the E.O.Debt Act of 1989.. I have since learned! from legal aid services that XXXX XXXX is on Indianas predatory lenders list.
Consumer complaint received 2018-02-20
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 — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (FL)

Sent Regions Bank XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, Regions placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

I applied for the XXXXXXXX XXXX XXXX  in XXXX. In that XXXX I was given XXXX status, but to keep that status I had to meet one of two criteria by the end of XXXX. The first was to sign up for a JetBlue credit card, and the second was to have six tiles or more. I opted for the tile match as I had five tiles already. I purchased the sixth tile on XX/XX/XXXX, giving me the six tiles I needed to extend my XXXX status throughout XXXX. When XXXX came, I noticed I no longer had XXXX status. I called Jetblue and spoke to numerous agents who gave me different reasons why my status was removed. They couldn't look at the specifics because only the loyalty team can do so, and they don't have a number. The agents have made several requests, but no one from the ; loyalty team has rectified the issue.