davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc. (CA)

On XX/XX/2023 I went to XXXXXXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, CA as a new patient transfer from my old dentist ( who used the same computer database, XXXX ). I was told as a new patient I needed extensive x-rays and a cleaning. The total out of pocket was going to be in excess of {$100.00}. I explained that I had a primary and secondary insurance ( XXXX XXXX XXXX  CA ) with my employer and my husband 's. Due to the fact that my XXXX XXXX wasn't showing up in their system yet, they told me to wait until they were able to bill the insurance, as needed, before payment, which at that time was in or around {$100.00}. I received an email from XXXX XXXX on or around XX/XX/2023 stating I had an outstanding balance of {$95.00}. I promptly paid that bill using their online payment system. The amount was debited from my bank account On or around XX/XX/2023. On XX/XX/2023 I received a bill from XXXX, which appeared to be a debt collection agency. The date on the letter was XX/XX/2023 and the total amount due was {$95.00}. I immediately called XXXX XXXX XXXX and asked about the debt. I was told by the accounts representative that my account was at a XXXX balance and I didn't owe any money. She confirmed I paid the balance via the online system. However, she did read information in the computer that showed that my account was " referred '' to Tek Collect. She assured me is was not in " collections '' however, the letter I received stated that if I don't contact their agency by XX/XX/2023 to arrange payment, the collections process would continue. I asked again for the information regarding my account to be emailed to me by the end of the day, and I didn't receive it.
Consumer complaint received 2018-12-02
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: Penn Credit Corporation (FL)

I checked my credit report and saw an account from Penn Credit for {$650.00}, original creditor is City of XXXX XXXX. I never received a letter about this delinquent account via mail, violating the FCRA, which states I'm entitled to a notice giving me at least thirty days to dispute the validity of the account. I have never had an account with the city of XXXX because i have always lived with my husband, and he takes care of our bills. Everything is in his name, so this has to be identity theft.
Consumer complaint received 2023-12-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (FL)

Marcus did not have proper cyber security tools, practices, controls and operations in place because Marcus allowed my two Marcus Certificates of Deposit ( CDs ) to be drained ( {$100000.00} ) and Marcus closed my two Marcus CDs in XX/XX/2023 and REFUSED TO PAY ME THE INTEREST these CDs would earn had they not been BREACHED. MARCUS also made me pay the PENALTY for the CDs closing EVEN THOUGH MARCUS allowed the breach to occur. I want the penalty REMOVED and I want XXXX and XXXX interest earned on the two CDs. Thank you.
Consumer complaint received 2017-10-12
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: EQUIFAX, INC. (GA)

Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these XXXX hard hit on my reports as will in XXXX & i want them off. I 've submitted request with no results.
Consumer complaint received 2024-01-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I just made a payment on XX/XX/2023. I was told that the {$300.00} payment would bring my loans current. Navient has been calling me nonstop before and even after I made the payment. I explained that I am not able to afford a monthly payment of {$600.00} or more. They are telling me that some of my loans qualify for a payment plan, but not all of the loans. They are not explaining why some qualify, but some dont. I answered the call today and explained to them that I currently have XXXX and XXXX  and I only answered because they keep calling all day nonstop. I asked if I could call them back in a few days because I am currently XXXX. The man continued to keep me on the phone and told me that they will continue calling me and will keep calling the co-borrower. I said ok. He refused to hang up, so I ended the call. I explained that I will keep making payments that I can afford. I just cant pay what they want me to pay in XXXX month. They are not willing to work with me and they constantly harass me and has been harassing me non stop for years. Its depressing. Im constantly making payments and they constantly make threats of reporting my late payments and then asking well can you pay {$30.00}? If I can pay {$30.00}, why cant they lower my monthly payments? They are harassing me and I want it to stop.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (OH)

I have a hard inquiry on my credit report from JPMCB. I never applied for a credit card with this company. Additionally, I have no paperwork from this company and have no idea what information they have for me as a potential customer. I understand that they should have sent me information on any account for me that they might have. I have nothing to reference for the complaint. I see online that Chase is associated with this company. I did have a similar issue with Chase and they were to look over my whole file and reverse any damage that was done to my credit report. 

I am sending them a letter today regarding this issue. It's attached below. 

I want the hard inquiry removed and my credit score to reflect the change immediately.
Consumer complaint received 2024-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc. (WI)

Mr. Cooper has not supplied a copy of my mortgage - asked in several formats with zero response. 

Further, Cooper claims they are waiting for me to return a settlement I rejected in XX/XX/2023. 

This is a lie. They have been told in print over and over that their settlement is garbage. 

They can return this one.
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Chase has charged me XXXX dollars for an account that was closed. They refuse to reopen the account and stop the fees. They charged me XXXX dollars in fees already after I told them to stop and give me account information. If they closed my accounts how did they charge me and why all the fees? It is illegal.
Consumer complaint received 2016-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain criteria. I met the criteria and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for months.
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

In 2008 I lived in a shelter for XXXX and had my identity stolen and a fraudulent credit card was used by someone using my personal information. I reported identity fraud years ago but this credit card is still being reported to the credit reporting agencies and a third debt buy agency has purchased this debt and trying to collect it from me. In the amount of $ XXXX.In addition the statue of limitations has run out on this debt and when these debt buying agencies report it as if it were a new debt. It is a capitol one Bank card. I never received this credit card and would like to have this removed from my credit reports. I do have records of a previous debt buying agency sending me mail and trying to collect this debt. I also have a copy of a credit report from years ago with this credit card on it back in 2008.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (SC)

On XX/XX/2023. I called in to pay off a 3.99 % interest rate promotion before it expired on XX/XX/2023. I chose in to pay it with an agent so there would be no mix up of what I was paying instead of paying it online. The amount was figured out by the agent and the amount was told to me by the agent to pay the promotion off on that day and the agent said it was paid. I went online to pay the new balance that was not part of a promotion on my statement date to find out that the promotion was never paid out ant the interest increased from 3.99 to 27.24 %. I had three other promotions with 3.99 % and 7.99 % interest rate for the life of the balance that they chose to pay off with my payment so they could charge me 27.24 % interest for those balances also when their payments were made on the due date automatically on the due date like it always was. They intentionally misappropriated the payment to increase the interest rate on the expiring promotion. I can not explain them paying out the two lifetime interest rate plans because they were paid. I guess it was just greed all the way around! Plan XXXX was paid out 6 days early and plans XXXX, and XXXX should still be in effect with a new balance that I was prepared to pay until this. I will never pay on this account until it is corrected!
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I deposited a check in into my checking account at Citibank that I got from a lawsuit I filed. Citibank claimed it was a fraudulent check even though they received the funds from XXXX XXXX XXXXXXXX and then closed my account and never sent the money back to the issuing bank so I am unable to access the funds from the check I deposited.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure makes unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated by rights.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (TX)

Pursuant to 15 USC 6802 - Obligations with respect to disclosures of personal information. I am exercising my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, as provided under the Graham-Leach-Bliley Act. I do not wish my nonpublic information shared with nonaffiliated third parties.
Consumer complaint received 2022-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (SC)

I closed this card months ago but still am paying it off. They are trying to add a XXXX Maintenance fee on top of my monthly payment every month. I tried to talk to them to remove it but they will not so now I got a pay that every month on top of my regular payment
Consumer complaint received 2020-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I received 30 days late report on my Expirian credit bureau, the creditor XXXX   XXXX has recognized this mistake and issued letter explaining that there is no 30 days late on my account and sent that letter to all credit bureaus Expirian, XXXX  and XXXX XXXX, I have disputed this inaccurate report with all the credit bureaus stating my case of inaccurate information and providing original document i received from the creditor to confirm my statement. So far i received one respond from Expirian 4 weeks later stating that my account was 30 days late basically confirm the initial negative report, then i have disputed the negative outcome again uploading the original document from the creditor stating no late activities on my account, again 4 weeks later i received negative outcome from expirian and i still have the negative record on my credit. From XXXX  and XXXX  i never received any respond yet on this matter. I would appreciate very much if you can help me out with this issue because during the past 60 days number of creditors lowered my credit limits and my score dropped for more XXXX points also this effected my son 's credit score because he is also a cosigner on this lease with XXXX XXXX  his name is XXXX XXXX. 
Please help. 
Thank you XXXX XXXX
Consumer complaint received 2022-06-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

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


In accordance with the fair credit reporting act, ( XXXX XXXX XXXX Account Number XXXX ) has violated my rights. 

15 USC 1681 Section 602 A states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MD)

Around mid XXXX XXXX XXXX XXXX XXXX email and later a ltr. to me stating I owed a debt in the amount {$2900.00} for a credit account that was originally w/Citibank. It states this amt. was owed as of XX/XX/XXXX. I have never had an account in my lifetime w/Citibank. I disputed this account first via email, then because the company continued to contact me I sent a certified registered letter stating I officially dispute this account and indicating I have never had an account with this company and felt it could possibly be a case of identity theft. I requested XXXX  to provide a copy of the original contract with Citibank showing the original signature on the contract. The company did not provide this document, only a letter showing the account summary. I pulled & printed out my credit report and there is no place on the report showing an unpaid account or balance with Citibank or any other creditor. I did receive ltr from company titled XXXX dtd XX/XX/XXXX, stating a recent cybersecuity incident involving my personal infomation was disclosed. But I have never at anytime had an account for credit card with Citibank.
Consumer complaint received 2022-08-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I have private & federal student loans that were originally taken out through XXXX XXXX between XXXX. In XXXX my co-signer ( completely independent of myself ) filed for bankruptcy. The day my co-signer filed for bankruptcy, Sallie Mae locked me out of all of my student loan information. Over the course of almost 6 years, from XXXX Sallie Mae called and harassed me to make payments on my loans. When I tried making a payment, they would not allow me to telling me 'I was in bankruptcy and they could not discuss anything with me '. Years of threatening phone calls, charging me fees, interest compounding my debt and they would not let me view my accounts online, talk with me over the phone or send complete information as to any of my account statuses. In XXXX my co-signers bankruptcy was released. Months of back and forth on the phone, with what is now Navient, I had to fight to gain access to my own personal financial information. There was quite some time that Navient was 'unable ' to look up my information and when given my account number, they provided me with someone else 's information. Upon review of my accounts after years of being prohibited from viewing, accessing, or servicing my loans the increase in balance was absurd. Navient has been unable to provide me with any reasoning as to why they banned me from my accounts, forbade me to may payments or service my accounts, unable to provide a complete breakdown of the accounts and fees, or proof that they own the debt. My co-signer was not on all of my loans, and their bankruptcy had absolutely nothing to do with me.
Consumer complaint received 2016-09-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Association On XX/XX/XXXX I sent Portfolio Recovery a Debt Validation Dispute letter because on my credit report its stating a deragatory acct. Of {$550.00} I sent it certified Mail Return receipt requested. Post mark on Receipt Received on XX/XX/XXXX. However during the period of days nothing, No correspondence or acknowledgement or Debt Validation response has come to my attention.They put on my credit Report that Acct is Disputed by Consumer I have sent a second letter, waiting the 31 days I sent another Disputed and Debt Validation on XX/XX/XXXX.But even a second Dispute Debt Validate so the can respond with some correspondence.Nothing has been received by me, they signed for the Two Certified however I Have n't received 1 piece of correspondence from them, no letter of acknowledgement.The company states in all my Credit Reports go through Portfolio Recovery. Portfolio Recovery states I have a Deragatory Open Acct of {$550.00} which original creditor is XXXX however Creditor Contact Details Portfolio Recoverywith no details. On all my XXXX different Credit Report it states meets FCRA. .Portfolio Recovery has not sent me the Consumer One piece of information for this claim.The Credit Report states the account was opens on XX/XX/XXXX. My XXXX report from XXXX/XXXX/XXXX states loan types Debt Buyer.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I was admitted into a XXXX facility on XX/XX/2023 and prior to that all services were cancelled with XXXX. I noticed in XX/XX/2023 that XXXX was still withdrawing money from my account. I contacted Wells Fargo in XXXX and asked them to stop the automatic withdrawals there was no withdrawals in XXXX ; however, they started again in XXXX. I XXXX and have no access to a computer in this facility and wasn't aware of this until in or around XXXX when my sister accessed my bank statements.
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Penn Credit Corporation (TX)

A debt collection agency disclosed the amount of my debt and who the debt was owed to to my parents. They called their number which is a landline at an address I have never lived at and disclosed the information to my mother.