davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MS)

I had a Sears Credit Card and used it to purchase a product but during a previous previous purchase of a weed trimmer which was still under warranty and also I had purchased the Protection Agreement ; the weed trimmer stopped working. I took it back to Sears and was told I had to take it to their Service Department and on the second day I took it to the Service Department of Sears and was told that my weed trimmer was a 2 cycle trimmer and Sears policy is to automatically EXCHANGE the product and XXXX in the XXXX MS Service Department gave me a letter and told me to give it to them to get a new trimmer. Well the XXXX Store Manager who had told the floor person to tell me to take it to the Service Department came down on the floor and sort of accused me of stealing ; saying there was no record in her system that I had purchased this product. I had my receipts and protection agreement with me and she had seen them. She proceeds saying I am going to the Service Department myself to see what XXXX is Talking about, as I followed! She accousted XXXX and XXXX turned her monitor around for the Store Manager to see when and where I purchased it and told her to give me a NEW one and she said she could not since not in her system. I stated I am leaving now and left. I got home cancelled my account and paid the balance on my Sears Account minus the cost of the Weed Trimmer of {$150.00}. I Then filed complaints with their customer relations concerning how I had been treated. Explaining I would never DO BUSINESS WITH SEARS again. Sears has the trimmer and I subtracted the cost of the TRIMMER from the balance due in the amount of {$150.00}. Now, that have continued to bill me on a CLOSED ACCOUNT which I closed around XX/XX/XXXX and they have added charges and now the balance is {$390.00} which includes late charges and interest charges on purchases. I want this to stop!! I pay my bills and I dont owe Sears anything!!
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (UT)

In XX/XX/XXXX I wanted to get my credit score so I went to http : //www.experian.com/ to see how to get it. After going through the website I saw an advertisement that said I can get my credit report for 1 . I payed a XXXX and got my credit score and was happy withe the service. 

Today I looked at my credit card and saw a bill for XXXX $ from Experian. When I called them about the charge they said that when I purchased the credit report I needed to cancel within 7 days or I would have an automatic membership renewal. I wasnt aware of the membership renewal so I went back to the advertisement and looked at the small print away from the actual add and saw the information about the membership. I took a screen shot of the add for your review. 

I called Experian today and was told I would n't receive a refund. I believe that Experian 's add is dishonest and in violation of the CFPB regualtions. I would like my XXXX $ back from them with interest.
Consumer complaint received 2016-08-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (NJ)

To Whom It May Concern : I was checking my credit score through XXXX and noted a significant drop in my XXXX score. A collections account appeared for a company called Grant and Weber. I checked the details and it shows XXXX line items for a medical center XXXX which provided services to my daughter and myself at different times. However, all of these accounts were paid in full prior to moving XXXX XX/XX/XXXX. According to the line items, the account numbers were sequential and each charge was between {$120.00} and {$120.00}. What is also suspicious is that they have billing dates of XX/XX/XXXX, when we have already relocated XXXX for over a year. In addition, we had double insurance coverage between my husband 's and my work insurance plans, our medical bills were never over the co-pay of {$100.00} as well. Since I have not been contacted by them, I do not have enough information to formally dispute or verify this debt s legitimate. 

Thanks, in advance, for your help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Subsequent to an Eye care visit covered by Insurance ( XXXX Veteran ) XXXX alleged a debt of {$270.00}. They reported to Credit reporting agency in XXXX. In XXXX PlusFour Inc. is attempting to re-age debt and refiled with Credit reporting agency.
Consumer complaint received 2017-08-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (FL)

The response by Paypal to my complaint # XXXX is horrible and plenty of false and misleading data. I am also very dissapointed with that CFPB closed that complaint as it should remain open. Therefore, this new complaint is a follow-up complaint. The first lie from Paypal is about an alleged email message supposedly sent to me on XXXX XXXX, 2015 stating the reason for the lifting. However, no explanatory message was emailed to me from Paypal. I also must deny that a copy of my XXXX XXXX was not submitted as I faxed it 3 times at least and its reception was confirmed in a phone call, which was answered by a VERY RUDE Paypal operator ( an usual trait in Paypal agents ). I am a US XXXX and the fact that during a period of time I logued in from outside the US was due to the fact that I had to travel overseas for the serious illness my mother was suffering. It is a BIG FALLACY from Paypal to conclude that I am a resident of another country because of the login sessions to Paypal .... for instance, it is not necessary to be a computer specialist to know that many Internet providers work with international IP addresses. Perhaps immigration offices should determine resident status based on Paypal loguin sessions : - ) Really Paypal behaves in a very stupid and childish way ( not to mention their self-opinionated ego ). Paypal did NOT act in good faith!! ALL the information I provided is true and valid and as a proof Paypal verified both US bank account and credit card. It is a BIG FALLACY and LIE from Paypal to state that there is risk associated with my account as I never had any dispute or payment challenged. My account is COMPLETELY risk-free as Paypal will never experience any loss with my account.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (OK)

Any time I try to acquire my credit report from any agency or company, they are unable to " verify my identity. '' I have had a credit card for over eight years now, and any time I try to check my score, I get the same response from every single company.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (OH)

On XX/XX/XXXX I had a bal in my checking account of {$120.00}. On XX/XX/XXXX l checked account again and it showed negative {$400.00}. The pending transactions were a {$75.00} and {$450.00} auto payments. The {$75.00} payment was pending 1st and {$450.00} payment 2nd. I made arrangements to transfer {$400.00} into my account to cover amount short.. This morning XX/XX/XXXX checked bal and it showed {$400.00} deposit pending because it arrived after midnight, but they reversed the order of the 2 automatics and charged me two {$34.00} overdraft fees. When I called Chase bank to correct problem and at least refund the od fee for the {$75.00} payment, they refused stating it was there policy to pay the higher amt check first, advised her that the policy did no benefit me in any way, but allowed them to charge and extra od fee on my account. When I advised her that I had a screen shot showing the {$75.00} pmt pending 1st and the funds were there to cover it, she said did not matter because it was there policy to post larger amt Please help. Thanks XXXX XXXX XXXX
Consumer complaint received 2015-04-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (TN)

I have XXXX student loans. The first XXXX are in ok shape because they are federal loans with XXXX. I currently do an income based repayment with the federal loans and my payment is {$0.00} a month. However I have a private loan through Sallie Mae that is about to go into default because I ca n't afford to pay the minimum payment. Sallie Mae continues to hound me for money because my account is past due but still refuse to work with me on repayment. I am seriously considering filing bankruptcy because I do n't know what else to do.
Consumer complaint received 2016-10-27
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Accounts, LLC (MD)

caller asks by first name and then proceeds to talk in a threatening, condescending manner. Would not give name, and demanding answers, that are of a personal nature ... Issue at hand is the sole responsibility of medicare nevertheless, they continue to attempt collection from self anyway.
Consumer complaint received 2016-10-16
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NV)

ON XXXX XXXX, 2016, XXXX alerted me that applications had been made with my social security number. XXXX/XXXX/16, XXXX/XXXX/16 -- -There were XXXX applications made, my FICO took a dump from XXXX to XXXX, then to XXXX ... I was FURIOUS. 
I 'M A XXXX with 28 years in XXXX. I understand the mechanics of credit. 
I FROZE ALL MY CREDIT ON XXXX XXXX, 2016. I put a consumer alert and a 90-day alert, while I was getting the police report filed. 
I was promised that NO CREDIT would be issued under a freeze. I was promised that creditors wo n't issue credit with consumer alerts .... I 'M IN THE THROES of this and I 've gone from shock to absolute anger. I 'm a very aware woman and quite capable of figuring out systems quickly. What I 've been seeing are " holes '' for prevention to be penetrated. From start to finish, I 've handled all aspects of proactive actions to restore my credit. I was fearful to trust others ' since I noticed they took action about 2 weeks after I had already contacted : 1. I contacted all creditors of fraud day 3-5, insisting they immediately contact credit reporting agencies and remove promptly ( all info I received from XXXX ). 
2. I froze all my credit day 3 from fraud initiated. 
3. I put 90 day alerts plus consumer alerts day 3 from fraud alert 4. Police reports within 5 days 5. I now discovered that New Account -- -XXXX reported a new account on your EQUIFAX Credit Report. They had a {$120.00} FEE that went to my reports. All XXXX of them. This company is fraudulent in actions. The credit agencies? My credits frozen and this account was NOT APPROVED PRIOR TO. 

I 'm very aggressive at this time since I 'm tired of paying people to protect me and they do n't. System failure is running rampant. I am a XXXX and highly trained in XXXX. 

Again, the name of the applicant is not my name w/my social. Red flag for the creditor? Or, they just have blinders on or asleep at the wheel? 
I was notified on XXXX XXXX, 2016 of a new account from Equifax! 
I railed the creditor! On XXXX/XXXX/16, the XXXX other agencies reported new credit with a {$120.00} fee ( the creditors fee )! 

I called the creditor and expressed the " illegal '' aspects of this. I said, " get this off my report, now! '' Additionally, all XXXX agencies are reporting with a FREEZE and consumer alerts on my account. The credit card was in the name of " XXXX XXXX. '' My name is XXXX XXXX XXXX and my social is not tied to his name. I 'm sick of this carelessness, the credit reporting agencies and their reporting, but NO INVOLVEMENT. They should not have this type of power and be unaware. No.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (FL)

I fell behind on my payments, after XXXX and eventually entered a payment agreement with Discover Card. I authorized them to take the money out of my account automatically by giving them my account and routing number. I saw in my bank account that for 4 consecutive months the debits were taken out in the form of an automatic check. Suddenly, 7 or 8 months later, I received a letter from an attorney saying the account was charged off and placed with them for collection. I called Discover and nobody could explain what had happened, until finally I got a hold of a manager who said the account was charged off on the same day that I was put on the payment plan and that the representative should not have put me on a payment plan. They said they called back to advise me of that but I never received the call. I assumed everything was settled since the money was being taken out of my account each month. Discover now claims that I was mailing in checks but no, the money was taken out of my account through whatever authorization I gave the representative over the phone when the agreement was made. Discover says that now that the account has been referred to an attorney there is nothing they can do about it. I do n't understand how the company can simply say that it made a mistake and should never have entered into an agreement and how it can choose to cancel that agreement without informing me of its decision and while taking payments from my account. At this point, I do n't even know if the payments were credited or not.
Consumer complaint received 2023-02-02
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I NOTICED MANY UNAUTHORIZED INQUIRIES ON MY PROFILE THAT I DID NOT AUTHORIZE!! PLEASE INVESTIGATE AND HAVE SAID INQUIRIES REMOVED. PLEASE...... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract OF ANY AND all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account ... ..... 
I request to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ... ... .... 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below ...... 
I request that the following inquiries be verified or removed immediately : *****Identity Theft / Inquiries ****XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (CA)

After working very hard to pay off my Sallie Mae XXXX loan in full XXXX XXXX, they promised that a payoff letter would arrive within XXXX days. No letter was ever received. Each time I call back the customer-no-service promises that a letter will be sent soon. It has now been XXXX days and the account is STILL OPEN! I called today and asked to speak to a manager. When I insisted that they close out the account or else a formal complaint would be filed they hung up!
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (AZ)

After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on Income Driven Repayment. That none of my loans delinquent. Therefore Navient had fraudulently reported my student loans delinquent even though that is not true. Navient, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX
Consumer complaint received 2023-02-02
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. (CA)

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

XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( A ) ( 5 ) section : states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which atendates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: LJ Ross Associates (MI)

I was called today about this debt. I am currently unemployed and do n't have the financial ability to cover past debts, I am struggling with current bills. 
I told the representative that I was unemployed and unable to make a payment. 
She said that she would note that I was unwilling to make a payment and that if I did not make a payment legal action would be taken against me. 
I reaffirmed that I said I was unemployed and unable to make a payment. 
She repeated unwilling... ( once again not what I said ) This was not the first time this collection agency has done this to me.
Consumer complaint received 2017-03-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (GA)

I use BB & T for a supplemental checking account. The auto deposits from multiple companies I wrote insurance products for caused me keep the account open. I have about XXXX transactions on the account per month. An annual review and reconciliation of the account works for me. When I infrequently looked at my statements I would note XXXX charges for {$7.00} per month. These charges are for interfacing with XXXX software. However I do not need or use XXXX to keep up with the minimal accounting requirements of this account. Everytime I noted the charges I would go to a branch to complain and they would refund only a few months worth of charges. In XX/XX/2016, I spent an hour with BB & T on the phone, flagging my account to never get charged for XXXX again. I never authorized these charges and have never downloaded anything from the bank to XXXX. I have paid hundreds of dollars in XXXX fees for nothing in return. In XX/XX/XXXX I discovered that I had been charged monthly since XX/XX/2016 when the account was changed by BB & T. I complained on-line and BB & T sent me a letter telling me I had logged into their system and gave two times where they said I had logged in. One time was when I was in church and the other was when I was at work. XXXX and BB & T were not, could not, have been accessed by me at these times. Nevertheless, the bank used these false log-in times as justification for not refunding the fees. I am in the process of fighting the denial. The BB & T employee who wrote me did not supply a direct dial or email and I have invested time telling my story and having more investigation only to be told the letter writing employee was the only one who could help me. I have to call again on the next business day as the employee is out of the office.