davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

Patient XXXX XXXX Complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX My appointment was for XXXX XXXX  XXXX. After four hours and being charged over four thousand dollars I was told to come back when crowns arrive in two or three weeks. XXXX XXXX was the next appointment date. 
XXXX XXXX after XXXX I was emailed by XXXX  XXXX  to reschedule appointment due to XXXX  not arriving in time. I already was scheduled off work. 
XX/XX/2022 I came into XXXX  XXXX  to have XXXX  placed on and temporary XXXX  taken off. After the dental assistant removed them XXXX XXXX XXXX XXXX said one tooth was cracked and needs to be extracted. I said so you all cracked my tooth, he immediately took defense when I said check your X-rays, there was no cracked tooth before XXXX  XXXX. Nothing was done I was told to speak with office manager and at that time I was walked to front office to speak with office manager, she prepared a print out of the refund for {$1900.00}. She said I will need to go to a different location to have tooth pulled, and balance from tooth extraction will reflect on refund to care credit card. She said I will need dental implant costing XXXX or XXXX XXXX dollars. XX/XX/2022 she booked appointment for me to have tooth pulled at XXXX location. I did not have my tooth pulled, not at my expense. 
XX/XX/2022 I came back into sage dental to have XXXX XXXX put on the successful XXXX  XXXX tooth. Nothing was updated on my account for refund. 
Two weeks after that I contacted XXXX XXXX and I was told by front desk staff I will not receive refund if I do not get tooth pulled by XXXX XXXX. They can not force me to receive services from them. Another two weeks went by and the front desk staff told me that corporate will give me back {$800.00}. I refused that offer because Im owed {$1900.00}. Another two weeks went by and front desk staff told me corporate will give me back half. I refused that offer because Im owed {$1900.00}. I started taking legal action, reporting sage dental to XXXX  XXXX XXXX XXXX. 
XX/XX/2022 I was emailed saying corporate approved full refund for {$1900.00} if I sign release waiver. I refused offer to sign and release waivers because Im owed {$1900.00} period, due to their negligence for faulty failed root canal they owe me to have tooth pulled, they owe me for dental implant and all further dental expenses. XX/XX/2022 front desk staff called to tell me corporate decided to pay {$800.00} unless I signed waiver.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

My daughter sent us a quickpay in the amount of {$1900.00} on XX/XX/2016, after the day my account did n't show the deposit so i went to Chase to check, talked to one of the representative. They can not resolve the issue, we have to call Chase main office, i was told that someone has the same email address and already receive the funds of {$1900.00}. As i know, in order to send the Quick Pay, we have to provide the account of the person you want to send the money to. Now Chase wants us to make a claim in order to get {$1900.00} back. I do n't know anything about the regulation but i feel that the consumer is not going to have peace of minds if banking instiutions such as Chase are so careless about giving our money to just anyone with the same email account.
Consumer complaint received 2015-07-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (NJ)

Robo calls in violation of TCPA, also releasing information that is confidential if this is not XXXX XXXX it contains information that is regarding a debt collection attempt. Their email is XXXXXXXXXXXX, XXXXRadius Global Solutions, XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, Fl. XXXX. The account is for a credit card from 2007.
Consumer complaint received 2022-06-03
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

CLOSED ACCOUNTS NOT MINE ASK FOR MY SSN... XXXX XXXX XXXX XXXX XXXX account # ... XXXX XXXX XXXX XXXX account # ... XXXX XXXX. XXXX, XXXX XXXX account # ... XXXX XX/XX/2016 XXXX XXXX .... XXXX XXXX, 2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX.. XXXX XX/XX/2016 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-06-28
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (WA)

I leased a XXXX XXXX from XXXX/Chase Manhattan Bank as the leasing company. I never missed a payment and over-paid the load every month. I was in an accident. I called Chase to let them know several weeks after the accident and upon speaking with a supervisor at Chase she and the person before her recommended that I immediately seek a refund for the over-paid amount. I made that request at the supervisors urging. 

I received a call from that same supervisor last Thursday telling me that I had to prove that I paid the overage amount. I did not pay it in one lump sum as she was requesting me to show and she knew that I paid over {$250.00} dollars every month for the past 2.5 years equating to the more than {$4500.00} in overpayment that shows on my account. She accused me of not paying the amount and had to have proof of the full amount before they would even consider repayment - EVER!! 

I was never asked to prove that I was paying with each monthly payment more than {$250.00} dollars. All payments came from the same account and I verified the account that the payments were received from ; so I am hard pressed to understand why Chase refuses to refund my over-payments unless they are trying to XXXX me out of my money. Obviously the large banks have not learned their lesson and continue to feel they can XXXX every customer that pays them on time and with over-paying their account. I demand my money back immediately and their futile attempts to keep my money infuriates me because it was practices such as this that got them in their first crisis.
Consumer complaint received 2022-10-28
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Modlin Slinsky, P.A. (FL)

XXXX XXXX XXXX ( XXXX ) is a process server that was hired in my case XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX to legally serve me with a lawsuit. 

On XX/XX/2022, I was contacted by my sister. She informed me that XXXX XXXX XXXX went to my fathers house in XXXX XXXX, FL. According to my dad and my sister, XXXX was attempting to serve a warrant regarding a debt with XXXX XXXX. I have attached a picture of a text message that was sent to me by my sister. I asked my sister if she meant lawsuit instead of warrant. She said no- the person attempting to serve the papers to my father at the incorrect address referred to the papers as a warrant ( inferring an arrest or legal issues with the law ). In addition, it bothers me that XXXX XXXX XXXX gave my father specific information regarding my debt, including the amount owed and that the debt is due to XXXX XXXX. 

This is legally problematic due to several issues. ( XXXX ) XXXX XXXX XXXX members of my debt, who it is owed to, and the amount owed. ( XXXX ) The representative of XXXX that contacted my father, XXXX XXXX, referred to the lawsuit as a 'warrant ' to my father, possibly implying that I was in some sort of legal trouble with police. ( XXXX ) My father, the person to whom the process server spoke to at his home, is my abuser. My abusive father now knows about my debt. ( XXXX ) I have mental issues including XXXX, anxiety, and XXXX ( XXXX XXXX XXXX ) related to my family and my father. This incident, including having the incident reported to me by my abusive family, has caused me significant problems with my mental disorders. I had to temporarily increase my medication, and I had to make an emergency mental health appointment. Even typing about this incident and having to relive it in my head is causing me additional mental anguish and anxiety.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

I made a complaint to the credit bureaus and they put fraud alerts on my credit file without my permission and without a telephone number. Preventing a very important loan from advancing today. I want you the alert removed immediately.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I received a bank statement letter from HSBC in XXXX, 2020. The statement shows that I have an account with a beginning balance of {$750.00}. I have never opened an account and deposited any money with HSBC. I wondered where the {$750.00} came from, so I called HSBC on XX/XX/2020. 

A lady from HSBC talked with my husband and I and misled us into opening the account. When we asked her who deposited {$750.00} in the account, she said it was credit. We were confused by this statement, and grew suspicious. 

We asked her, " Is there a monthly fee we need to pay to claim the money? '' She said, " Yes, if you open an account and deposit less than {$75000.00}, the bank will charge you a monthly fee of {$50.00}. '' Both of us realized that they were committing fraud and I immediately told her to close my account on the phone and protect the personal information I gave to her, but she said closing the account would come at a cost of {$25.00}. I would appreciate it if the CFPB could support me and help me close this account with HSBC.
Consumer complaint received 2022-10-28
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. (AZ)

I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their XXXX page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help
Consumer complaint received 2022-06-03
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: EQUIFAX, INC. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (VA)

I am a customer  of Chase 's   XXXX   XXXX   XXXX . This card heavily advertises a rewards program that rewards 3 % of spend on travel & dining purchases, and 1 % on all other purchases, which I 've used for sometime and have been quite satisfied with - but comes at a cost of a {$450.00} annual fee, so I have high expectations for fully utilizing the benefits of the card.     Earlier this year, I made a purchase at a cabin/lodging rental company,  XXXX   XXXX , for a trip. While not a nationally recognized hotel brand or travel agency, it 's a reputable company that can be easily found through web search, has a better business bureau profile, etc.     I reviewed my statement from  Chase  and found that I only received 1 % cash back on this purchase. I have contacted them multiple times to try to adjust my purchase to reflect that this merchant should be considered a 'travel ' expense and earn 3 % rewards, but was told that the merchant classification for  XXXX   XXXX  that from happening.     How the merchant is classified is not my problem  - Chase  clearly advertises bonus rewards for travel, and any reasonable person would conclude this purchase should earn them. I recognize the syste m may not be  100 % foolproof and am happy to bring this to their attention - but it is deceptive and unfair for them to not adjust my rewards balance after my having done so.
Consumer complaint received 2022-06-03
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. (NH)

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-17
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: Coinbase, Inc. (NY)

I was charged {$49.00} 3 times on XX/XX/2022 as a total of {$140.00} from a company called XXXX which is not even located on USA. I called coinbase the same day I was charged and many other times. They have send me only Emails promising to fix it but they never did.
Consumer complaint received 2022-01-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2015-07-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpha Recovery Corp (GA)

An apartment complex turned a debt over to Alpha Recovery Corp. 

I paid Alpha Recovery Corp {$1500.00} on XXXX XXXX, 2015 using a debit card. The transaction cleared my XXXX XXXX XXXX Checking Account on XXXX XXXX, 2015. The amount did not chargeback ( overdraft ). Alpha Recovery Corp began contacting me on XXXX XXXX, 2015 saying my bank reversed the transaction. This is not true. 

I provided Alpha Recovery Corp with : ( 1 ) a statement saying I authorized the transaction, ( 2 ) my bank statement, and ( 3 ) a letter from my bank. In addition, my bank spoke with Alpha Recovery Corp & myself on conference call. My bank informed Alpha Recovery Corp that reversing a transaction ( that is not an overdraft ) is impossible and was not done. 

Lastly, representatives from Alpha Recovery Corp are harassing me both at home and at work despite a Cease & Desist letter mailed on XXXX XXXX, 2015. Specifically, a representative named XXXX XXXX has repeatedly called my employer 's corporate office and the CEO. On XXXX XXXX, 2015 a female representative lied and said I paid with a XXXX XXXX and the money has been placed into my account. I do not own a XXXX XXXX. No funds have been placed into my account. 

I have proof of:1. The original bill2. Payment receipt from Alpha Recovery Corp3. A letter from my bank confirming ( 1 ) both the funds cleared and ( 2 ) the transaction was not reversed4. XX/XX/XXXX bank statement showing the payment to Alpha Recovery Corp5. XX/XX/XXXX bank statement showing the transaction was not reversed
Consumer complaint received 2017-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MS)

On  XX/XX/2016    I purchas e (   XXXX   ) gif t cards, on my credit card, in the amount of {$1200.00}.   I presented  (   XXXX   ) ca rd to my wife in the amount of {$500.00} for  XXXX . When she tried to use the card i n XX/XX/XXXX ,  there was no money available on the card. I checked with the  3rd p arty vendor listed on the card,  XXXX , was told that the card had been used in Texas. I live in Mississippi. When I could not receive a satisfactory answer from   Kroger  ( wher e cards were purchased ),  U S Bank ( iss uer of card ), or   XXXX   ( card vendor ) I disputed the charge on my credit card. When I did that,  US Bank  removed another {$250.00} off of  one of th e other unused card. My credit card company has denied my claim and so I am now out {$750.00}. I have contacted all  (    XXXX    ) parties to no avail.
Consumer complaint received 2021-03-24
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. (AL)

I opened a dispute into reported account closure. Reporting agency states that account has been closed and isn't reporting credit card as active account. Credit card account is active and open as of XXXX. Account was never closed, after investigation of dispute experian is still reporting account as closed. Experian will not allow me to open another dispute into this matter.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I electronically sent a 2 payments totalling a full payment to Citi Double Cash ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) before a XXXX XXXX, 2016 due date and was assessed interest when my second payment was not processed until XXXX XXXX, 2016. On XXXX XXXX, 2016 I was assessed interest of {$10.00} because Citi claims I did not pay in full by XXXX XXXX, 2016. This was not a case of late payment, just a case of payment processing past the due date. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent in a combined full payment to Citi Double Cash before the XXXX XXXX, 2016 due date and was again assessed interest of {$17.00} on XXXX XXXX, 2016. I challenged the XXXX XXXX, 2016 interest because my XXXX payment was processed well before the due date. I was told that Citi is allowed to charge interest for AT LEAST 2 months, whether or not full payments are made by the due dates, if a payment is processed late. I checked my other credit card terms and none of them has this abusive means to collect at least 2 months of interest. Here 's what Citi claims they have a right to do. 

" If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. ''
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pulled update of my credit report, dont see any changes, still this negative account on my name! I already told you before that this account is not mine! I believe that someone used my personal information
Consumer complaint received 2021-09-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

Due to the Pandemic I became Unemployed and Filed Bankruptcy ... I wasn't able to make payments to my student loans and I tried to contact Navient to settle it but no response instead they're reporting late payments on my credit report.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (VA)

I used to have an american express corporate credit card ( AMEX CC ). 
I left that company and card was discontinued AMEX sent me a cheque of {$56.00} and I deposited it to my account.Now I received a bill from AMEX stating that I owe them $ XXXX.I called them once ( I forgot the date ) and they told me that I have deposited XXXX cheques of {$56.00} each and not XXXX.I reviewed my bank records and could not locate XXXX deposits.I told him that.But I continued to get the bill.So I called again on XXXX XXXX XXXX and discussed the issue with AMEX.The lady who was on the call told me that an inquiry will be opened and I would get a call back from AMEX stating the date of deposit and the cheque numbers and the bank account where those XXXX cheques were deposited. 
I never received that call and my account was sent to collection agency in the meantime. I received a letter from collection agency. I called AMEX and Collection agency at the same time on XXXX ( or XXXX ) of XXXX XXXX and put both of them on speaker phone so they could hear each other.XXXX from AMEX and XXXX from XXXX were on phone with me.XXXX told us that he would add a temporary debit of {$56.00} within 48 hours to my account to make the balance XXXX which will propagate to the system of collection agency.I called collection agency today ( XXXX XXXX XXXX ) and nothing has happened.I called AMEX and threatened them that I would report this to CPFB, XXXX, police.Then the person told me that the other cheque was deposited on XXXX XXXX XXXX ( which I was not told earlier ) and he would call me back in 2-4 hours with cheque number and the bank to which it was deposited.But no matter what this would affect my credit rating on top of the harassment I faced.