davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I have 3 student loans with Navient. Two of them are private and one is federal. A while back one of the private loans went into default and it was passed on to their collection agency - XXXX XXXX. At that time they told me that I could pay {$100.00} a month towards it and that Navient would report to the credit bureaus that I was making partial payments. I have been doing that faithfully ever since. I have not missed one payment. My issues are that I feel as though the loan 's interest was accrued at an outrageous rate. The original principal was {$7000.00} and the loan is now at {$14000.00}. That 's double the amount. Then whenever I try to discuss this loan with Navient they tell me that they can not because I need to talk to the collection agency but that I should also be careful with who I speak to concerning this because there are fraudsters out there. So I call the collection agency and they tell me that they will talk to Navient on my behalf. Every time they talk to Navient they come back with a settlement offer. The first settlement offer was for me to pay {$4900.00} to them and the rest of the loan would be forgiven. Now they recently sent me another settlement offer to pay them {$6000.00} for the same thing. I believe that this is turning into a game of some sort because they know that this particular loan has been set at an unreasonable price. They do not allow me to discuss this loan and they continuously come with these settlement offers ( which are increasing even though the loan is decreasing ) and I believe that the loan is overpriced/not calculated correctly.
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I received a collection notice from Transworld systems Inc. the notice stated the XXXX XXXX XXXX and XXXX XXXX had previously contacted me to request payment. I have not received any previous contact, but most importantly I have not been anyplace north of XXXX Ga in the XXXX XXXX XXXX the tag cited is on or any other vehicle I own. The XXXX XXXX cited has over 266000 miles broken AC, and is only used for short trips locally. XXXX XXXX XXXX XXXX claims they have a black & white photo of my car and tag, the lady I talked to said it was a dark colored car, My car is Sandstone beige and in a color photo it  shows as bright silver or light tan, an this tag has been on this car since I purchased it in XX/XX/XXXX. 
Since I have not been any place North or XXXX XXXX in XXXX Ga I know without a doubt that I have not been on any XXXX XXXX XXXX XXXX. I have disputed this charge with the XXXX XXXX XXXX XXXX and requested a copy of the photo of the tag with the same no. as mine, and made photos of the rear of my car and its tag to provide to them. 
On date in question I was in the office of Real Estate Attorney XXXX XXXX from shortly before XXXX until between XXXX and XXXX went home and did not leave XXXX area for the rest of the day.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On Sunday, XXXX XXXX XXXX I opened a savings account on online at my current bank which I 've been with since XXXX or XXXX. On Thursday, XX/XX/XXXXt I got a notification from a bill pay that my card was not being accepted. This has happened from time to time because I travel to and from our state capital for work, when I call they unblock it and things are fine. On this day, I was told my entire account checking and savings were going to be closed and I would receive a letter and a check explaining. I was then given the number to XXXX XXXX XXXX. When I called XXXX, they asked for my personal information and said oh, it 's because of XXXX XXXX XXXXXXXX. It says you owe money. from XXXX of XXXX, I called XXXX XXXXXXXX XXXX and confirmed that the {$74.00} they reported I owed was paid. 

On Tuesday, XX/XX/XXXX I received a letter from the bank, but not a check stating that my savings account was declined because they were unable to verify information and that I should reapply within a financial center. ( THERE WAS NO REFUND ) I called my bank again on Friday I finally spoke to someone Stateside. After reviewing the account she advised me to go to a branch and that they could override this decision. I explained that my bank, Citibank, was opened while i lived in XXXX, DC XXXX I now live in XXXX, NY. there are no open branches in XXXX. I also explained that without proper notice, I could n't notify my payroll department to discontinue my direct deposit in time. On Friday, the bank accepted a deposit of XXXX plus two small XXXX deposits. 

After trying since early Monday, Today, XXXX XXXX I 've contacted my actual branch as advised by the person on the phone on Friday. The gentleman tells me to call XXXX and see if they can tell me when I can get my money out and why the account was closed and all of the questions I 've asked them. 

My direct deposit is scheduled to hit my account tomorrow morning. I have no way to get the money or stop the transaction. I have not been refunded what 's currently in the account and I 'm worried that I will not be able to get it back. Please tell me my options. I know I 'm not a high wealth client. I literally live paycheck to paycheck and I ca n't pay my mortgage or car not ( which to stay on top of things I pay bi-weekly ), I suddenly ca n't open any other bank account. Please advise.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc. (TX)

ON XX/XX/XXXX a gift card was purchased at XXXX XXXX at XXXX in XXXX XXXX XXXX CA. Phone number XXXX. The card number being XXXX Was mailed to XXXX XXXX in XXXX Texas. The card was received in the mail XX/XX/XXXX. 
Upon trying to use the XXXX funds on the card, it was shown that the card was already used on XX/XX/XXXX at XXXX XXXX. store in XXXX Ca at XXXX XXXX for the full amount of XXXX. 
I immediately contacted BHNDISPUTE dept. and they advised me to fill out a DISPUTE FORM and either fax it or mail it, I did both. I have called several times and they had asked for proof of purchase, so I sent them the information they needed via email. When calling them they stated they have not received anything so I kept sending it. I have called numerous times and have been unsuccessful with any answers, the only for sure thing was they kept telling me to be patient and let the dispute dept. investigate. They also told me if it was a bank card that purchased the gift card you would need a bank statement. A credit card did not need one. The gift card was clearly purchased with a credit card. During the duration of XX/XX/XXXX to XX/XX/XXXX I never received a phone call from them, and the only piece of mail they sent me WAS THAT THE DISPUTE WAS CLOSED AND COULD NOT BE REOPENED From Blackhawk Network. I then called XXXX in XXXX XXXX XXXX where the gift card was a purchased and they made a call to the company, no success, I also called XXXX in XXXX Ca but was unsuccessful of a return phone call to let them know that there was a fraudgelant charge that occurred there. This company was completely unprofessional and very difficult to work with.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (SC)

XX/XX/2018 a decision was made on my application for the Citi Simplicity credit card. The decision however was not based on criterion that the company set as sufficent to deny my application. In other words no notification was given during the application that my credit card application would be denied upon the basis that they stated. I have reason to believe that the decision was not a criterion of the application process, and solely the decision of the individual that sent me the letter.
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (NV)

This was a medical bill that the insurance has paid and I have already notified them of my insurance information and as per hippa the original holder can not sell this information to an outside company. This is also my wifes not mine. XX/XX/2015.
Consumer complaint received 2021-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge 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)

The credit line was used by someone other that me. I am a victim of identity theft. I took the steps by filing an FTC identity theft report and sent it to the credit card company along with a letter of what occurred and two forms of ID. I reached out to them by mail on XX/XX/2021 and they have still not responded to my letter. Its unbelievable that they would have proof of me being a victim of identity theft and not respond to my letter or try to correct for over 45 days.
Consumer complaint received 2017-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC (LA)

Upon reviewing my credit report i noticed an account from action revenue recovery. First how in the world does a third party has my medical information. Second i have not been contacted AT ALL by this company. I would like to as a consumer be giving the right to dispute this account. It NEEDS to be removed IMMEDIATELY until they can prove it 's validity.
Consumer complaint received 2017-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

I fell behind on my credit card payments. I was five payments behind when I was offered a payment arrangement. I had to pay the past due amount in installments of {$72.00} and the card would be in good standing again. I was never advised that the card had been restricted or would be unable to be used if I made these payments. I made the payments as directed, brought the card back current and under the limit. The moment that the card was " current '' again my account was restricted. I have contacted Capital One on two occasions to have this rectified without assistance. I have been told I just need to keep making payments and they review accounts periodically to remove restrictions. No idea how many payments I will need to make or how long before I can use the card again. I was never advised of this in the letter I received to make the payment arrangement. I feel like I was misled into making payments that I would not be able to use.
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

Continue to switch debt collection agencies. Each debt company states that they are working for American Express but continue to contract my family members and act like they have no information on me.
Consumer complaint received 2022-09-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

there was 2 accounts opened through USAA dated on XX/XX/XXXX in the amount of {$97000.00} and XX/XX/XXXX in the amount of {$50000.00} these accounts are now charged off and these accounts was opened with out my consent or authorization because I was incarcerated from XX/XX/XXXX - XX/XX/XXXX
Consumer complaint received 2017-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. XXXX, XXXX and Transunion. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report.
Transunion ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
Consumer complaint received 2015-04-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Cadence Bank (MS)

Hello, Please find enclosed, documents for your review. I am filing a complaint against Bancorpsouth regarding the merchant XXXX XXXX in the amount of {$4900.00} filed on XXXX XXXX, 2014. 
Thank you, XXXX XXXX
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX  and Equifax is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, still have the following Inquiries and accounts on my credit report. 
Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently tried to pull my credit information XXXX XXXX and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from TransUnion XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to XXXX XXXX, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police report
Consumer complaint received 2017-09-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (LA)

In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. Experian, XXXX and XXXX. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. Experian removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and experian hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. Experian needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report. 
XXXX ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had XXXX XXXX for internet/cable service. Part of the service included a tablet that was given to me for having the service. The tablet needed repairs and I called XXXX for service. The advised that they would send a return envelope. At the same time XXXX sent me a return package for the equipment I had since I was ending service with them. I inadvertently sent the tablet to XXXX. I called XXXX immediately when I saw that I made the error and was transferred around to several people who were of no help. I finally spoke to a manager who stated that anything sent to them is listed as equipment and there was no way to find it. I told him what was sent and I have the return receipt and where it was sent. He said that they are not going to send anyone in the warehouse to look for it. I stated that I still have the actual equipment and he told me that it was of no use to them. Since then they have dinged my credit report for the price of the equipment that they would not allow me to return but somehow managed to keep my tablet. I want it back.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (MD)

I received an alert that a collection account was placed on my credit report. Southwest Credit systems violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.
Consumer complaint received 2017-09-27
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: Experian Information Solutions Inc. (OH)

These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-09-27
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. (OH)

These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/XXXX.