davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: TRANSWORLD SYSTEMS INC (SC)

I have an outstanding medical bill from University of XXXX as well as from the University of XXXX. The medical bills were a result of an automobile accident, for which I am pursuing personal injury settlement with my insurance company. My attorney has repeatedly notified the XXXX, the XXXX XXXX XXXX, and their debt XXXX of his representation and further instructed them to direct all communications to him. Despite this, I am repeatedly receiving invoices and debt notices to my home address and nothing is being sent to my attorney. At least XXXX account ( University of XXXX ) has been sent to a debt collector, and I believe this may be affecting my credit. The debt collector was also instructed by my attorney to contact him, but they have also continued to send statements to me. I feel harassed and bullied.
Consumer complaint received 2016-02-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (KS)

I called to get a forbearance on my student loan because I have been taking care of my grandparents due to their failing health. I called on XXXX XXXX and they told me to call back as soon as I had my good faith payment {$150.00}. I called back on the XXXX with my payment and was told I was past due and could n't have a forbearance. I was not told of a deadline to call them back. Both of my grandparents were in the hospital so that is why it took me 5 days to call back. Now they forced me to pay {$590.00} that I do n't have because they said there is nothing they can do. If the mistake was made on their end I should n't be the one that has to make this payment. They refused to work with me at all. It was my understanding that student loan lenders were suppose to work with people that are trying to get a job. I attended The XXXX located in XXXX Kansas. I graduated XXXX 2015. I am currently looking for work as well as taking care of my grandparents.
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: EQUIFAX, INC. (NJ)

Credit report must be updated. XXXX  account with XXXX XXXX has been paid for removal please remove XXXX XXXX from report..
Consumer complaint received 2022-10-03
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : # : XXXX, DPT EDXXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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. 

15 U.S.C 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 antedates the report by more than seven years. 

15 U.S.C 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 2016-05-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (NV)

I had an issue with US Bank adding my wife name to my checking and savings accounts with either of us requesting this. We XXXX prefer to keep our financial lives separate. We made numerous attempts to have this correct, over a period of about 1 year, but with no success. Eventually I went to the XXXX as a last resort, which led to US Bancorp admitting that they made a mistake, and correcting it. As I had been promised resolution on a previous occasion, and it had n't materialized, I told US Bancorp that I wanted to wait until I received my next statement to confirm that the address error had been corrected. However, US Bancorp were in a great hurry to have the case confirmed as resolved with the XXXX. So they sent both the the XXXX and myself electronic and paper copies of my most recent bank statements, which of course included a great deal of personal information including balances, transactions, credit card information, health insurance provider, etc. At no time did I give US Bancorp permission to share this detailed personal information with a third party. I therefore wrote to US Bancorp, informing them that I was very unhappy with the way they had treated my confidential, personal information. Their written response was completely unapologetic. I would like both an apology, and a reassurance that US Bancorp will never again share my personal financial information with a third party without my permission, unless they are legally obliged to do so. I would also like a reassurance that they will not treat other customers in this way.
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I have 2 accounts with Regions Bank with the ability to transfer money between the 2. I made a purchase, accidentally using the wrong account. When I logged onto my account on Tuesday, XXXX, I realized the mistake and saw there was an overdraft fee. I was upset, but I realized it was my error. I did n't immediately transfer money because I was trying to contact the company that authorized the charge. The problem began when I logged in today and saw they had charged a second overdraft fee for the same purchase. When I called customer service, the rep was rude and condescending. He stated that the charge was pending and that caused the first overdraft fee and the second fee was from when it cleared. While I did have another transaction clear earlier in the day, there was enough in the account to cover this. When I asked for the second fee to be removed, he was extremely rude and offered to give me {$18.00} back. That {$18.00} was out of a total of {$72.00}. I was unhappy with this solution and his response was " I 'm not giving you any more money, XXXX XXXX. You can stop. '' I also asked why the measly {$12.00} could n't be taken out of my other account WITH THE SAME BANK and he said that he could n't link the two and I would have to open up a savings account ( which I believe is just a way to force customers into opening MORE accounts with Regions ). This is very frustrating for me, and hard to understand, because my family went through financial troubles a couple of years ago and, at the time, my husband 's name was on my account as well. His account went into default and they managed to seize ALL of the money in our joint account to offset his. It appears this bank has no trouble moving funds when it is for their benefit, but not when a customer makes an innocent mistake over {$12.00}. I 'm disgusted by the way I was treated, offended by the tone of voice he used with me, and most of all, disappointed with the bank I have trusted for many years with my finances.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUOFF MORTGAGE (IN)

During a Chapter XXXX XXXX Mortgage company reported me late repeatedly when I paid the Chapter XXXX Trustee every month on time. I am now trying to refinance my loan because Ruoff has raised my monthly payments that we agreed at the time of signing from {$700.00} to second year to {$760.00} and now they have raised my payments to {$820.00}. This loan needs to be looked at as to why they will not remove the late payments and why they say I owe them so much money when I do not.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NM)

My loans were transferred from XXXX to FedLoan after I submitted paperwork certifying my Public Service employment. In the transfer, my annual certification of income and family size was lost. I had submitted the certification in XXXX, but in XXXX when my loans were transferred to FedLoan, that certification was not carried over. FedLoan was very unhelpful in resolving the issue ; after speaking with a supervisor, FedLoan asked me to resubmit a certification ; in the meantime, I would not lose credit for my monthly payments. I submitted the new certification, indicating that my family size had grown by XXXX. My wife was XXXX. FedLoan rejected my IDR repayment application, because there was no evidence of my wife 's XXXX. On the very day I received the rejection notice from FedLoan, my wife XXXX, so I called FedLoan to see how we could resolve the situation. They asked me to send a letter describing the situation. I did so, with a FedLoan supervisor assuring me that she would personally make sure that my application was processed quickly. I heard nothing from FedLoan, until today I called them. Despite having been nearly 2 weeks since I faxed the letter directly to a FedLoan supervisor, they claimed that they only received my letter today, and so it would be another 7-10 business days before my application was processed. I have no idea what the status of my loans are, what my payments will be, or if I will receive credit towards my loan forgiveness for the 2 months since my loans were transferred to FedLoan.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I currently have a large student loan balance with American Educations Services who is the servicer. I have always made payments, but recently as of XX/XX/XXXX I have gone through a financial hardship and have fallen behind my payments. I contacted AES and they had sent me forms to complete so I can be enrolled in their financial hardship program ; in which payments as interest rate ( s ) are reduced. However, I need to be 100 % caught up in my payments in order to proceed. I have explained that it 's not possible for me to catch up as I am currently experiencing a financial hardship. Their response is that there is nothing that they can do. Due to this my credit is becoming damaged and I will always be late and never meet their parameters for their program. Instead they offer me forbearance, why would I want to make my loan more expensive? They is obviously an attempt to dissuade borrower 's from qualifying for their program and keep collecting fee ( s ).
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I have been trying to get on a program for nearly a year now that I can afford. I first started with my original service who denied the applications after many months of multiple attempts and then told me to consolidate and my loan via fedloan servicing and get on XXXX. 
My loan was consolidated on XX/XX/XXXX and I was told that my XXXX would be done around XX/XX/XXXX or XX/XX/XXXX and that it looked good. I kept calling and getting the status with them saying it looked good and once asked for me to send them my paystub, which I did. 
My loan just came up for repayment which says it is XXXX per month! It is on a XXXX year loan. My loan was half of this but with the compounding interest the loan is now nearly double what it used to be. 
I called today to tell them I really need them to finalize the XXXX as the loan is just compounding interest and the standard loan is just getting higher and higher and now it is nearly a third of my take home. 

They told me I need to submit another application!!!!!! Once again for the XXXX time. I have no idea why this is. They have been telling me it was ok the whole time and that everything looked good. It is becoming impossible to get on this loan program. 
This is criminal and predatory practice to keep me in application status for nearly a year between XXXX and now Fedloan Servicing.
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (ME)

Our mortgage started out with XXXX Mortgage Company in 2007, then was sold to XXXX XXXX. We have had some difficulties with our mortgage due to insurance that was added even though we had homeowners, which went to litigation. We did eventually receive funds back, but then our loan was turned over to XXXX Home Loans, now Fay Servicing. When we were with XXXX, I received notice that the city was putting a lien on our property due to non payment of our property taxes. We paid escrow payments every month, faithfully to cover our homeowners insurance and property taxes. This was not being done until I called XXXX and asked them about the issue. After our taxes were caught up, our loan was turned over to Fay Servicing. Fay informed us that our monthly house payment is going up over {$100.00} a month due to an escrow shortage. This puts our mortgage payment up significantly and will be hard to pay every month. Please, can you help us to understand what has been happening to our escrow payments that we paid every month? This is our complaint and plea for help! Thank you for your time.
Consumer complaint received 2016-08-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TRANSWORLD SYSTEMS INC (OH)

In the past I have had a problem with medical bills from XXXX XXXX XXXX XXXX, XXXX. I divorced my wife and bills come to her address and she does not report them to me and allow them to go to Collections. This latest bill is the same. I have an alert on my credit and this is how I know about a negative report of XXXX dollars to XXXX XXXX from XX/XX/XXXX or XX/XX/XXXX. My credit check says that it is bill from XX/XX/XXXX and TransWorld Inc. Collections says XXXX XXXX. I have spoken to representative of TransWorld and I explain the situation with my former wife and she refuses to communicate with me. I paid XXXX dollars to TransWorld. Then I was told from TransWorld that XXXX dollars and change was owned to XXXX XXXX in XXXX XXXX which my daughter was given care too. I spoke to my daughter and she says that she was given care and she was going to pay bill but she did not receive a bill. Yes she used my former wife address. Also my Medical insurance company has not received a request for payment for XXXX. XXXX or XXXX bill, XXXX is unable to reference the bill because their records goes back to seven years only. I have email XXXX XXXX but I have not received a response for details concerning both bills and why they send bills to my former wife instead my address. My daughter is in college that is reason why she is on my insurance.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Team Recovery Inc. (OH)

I have received communication f rom Team Recovery Inc r egarding multiple medical bills ( see attached documents ) that they are trying to collect on behalf of  XXXX   XXXX   XXXX   XXXX . I requested validation of debt and received letter of verification of debt. Upon further review of documents. I noticed my insurance company was not billed  for some of the services provided. PHI is also listed on documents that I received which is a violation of the HIPAA laws. I have requested for these accounts to be deleted for inaccurate and unfair reporting. While some accounts have been deleted from   XXXX   and  XXXX . They have refused to delete accounts from  XXXX . This inaccurate reporting has severely damaged my credit rating.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I had a balance due in XXXX 2016 of around {$30.00}. This amount was paid in Macy 's store and some returns I made to my account made up the balance owing. Since then Macy 's has charged my account with XXXX dollars in late fees and interest totaling more than {$300.00}. I also have made several returns on my account and Macy 's has used these returns to pay for their late charges and fees. I have made many requests for Macy 's to have a manager for several months now to call me but I have received no calls from a manager from Macy 's. On XXXX/XXXX/16 I again spoke with a customer service representative named XXXX ID XXXX and XXXX ID XXXX and asked both for a manager to call me but no manager from Macy 's has called. I was told that a manager would call me in 24 to 48 hours. I have held a XXXX and Macy 's account for more than 40 years and they have cut off my account.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (CA)

I have contacted Experian, I have also provided them with a letter from the furnisher of the information and yet Experian fails to remove the erroneous information that is outside the reporting period as it has passed 7 years and the statue of limitations for this debt have also passed. Experian continue to report XXXX/ XXXX on my credit. While the lender who purchased it from the original creditor states there is a zero balance Experian continues to report the original creditor with comments purchased by another lender thus not verifying that the debt is not owed. Such information should have been deleted when I asked months ago. Experian is in violation of FDCPA and the FCRA.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I have  Navient as my loan  servicer. I have repeatedly over the past few days attempted to make a payment online but the website kept citing an error and logging me out of my account.  <P/> I instead had to deal with the inconvenience of calling a representative during my workday and being on hold. The representative was friendly and helpful but I should be able to make the payments online.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

Sun Trust Bank has been arranging it 's deductions from my account to result in overdraft fees. I have also been informed that it has done away with showing it 's customers a running balance, making it impossible to know one 's balance at any particular time or to reconcile one 's account. Such predatory practices have been instituted to directly increase the likelihood of customers incurring numerous overdraft fees. It is impossible to prevent such fees.
Consumer complaint received 2020-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I hired the moving helper XXXX XXXX through XXXX, At the end of the work, I provided me payment code to XXXX XXXX. But he stated the payment didn't work and requested me to cancel the order and pay him via XXXX. I followed his instruction and paid him {$350.00} through XXXX connected with my Citibank and canceled the service. However, he charged me a total of {$360.00} again on the second day without my authorization. Therefore I double paid the moving helper. I attempted to reach out the merchant for a refund, my calls and texts were blocked. I sent an email, and there was no response. XXXX XXXX 's advertisement was also taken off from the website XXXX The whole thing looked like a scam. 

On XX/XX/XXXX, I informed Citibank to about the situation and disputed the transaction {$170.00} and {$180.00} from XXXX. Citibank declined the dispute and requested me more information on XX/XX/XXXX. I faxed my documents on XX/XX/XXXX and its representative confirmed the submission. I followed up with the dispute in the following weeks. Each work, a different representation told me a different story. For example, they did not receive my submission, they received my submission, there is a provisional credit, there is no provisional credit. Sometimes they put me on hold for nearly an hour. On XX/XX/XXXX midnight, I called to follow up again. Citibank Rep told me the case was close already, without further reason. But I have never received any letter stating the resolution thereof this matter. According to regulation E, they ought to provide me a provisional credit within 10 business days if they need more time to investigate the case. It's been nearly a month, and I have never received any credits.
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (CA)

Hello, I am making an formal complaint against Synchrony Bank and their customer service rep, XXXX. On XX/XX/2019, Synchrony Bank unjustly closed my Carecredit account for an bizarre reason. When I have learned about them closing my account ; I tried to talk with their customer service rep, XXXX but he spoke in very rude matter and told me that he was going to address my concern with XXXX. I came back in 15 minutes later, i spoke to XXXX and she told me they alleged me close my account due too many return payments. My XXXX payment was sent back once. I am trying to figure out what happened?
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

I have XXXX issues regarding my loan servicer, which markets itself as MyFedLoan : First, I have contacted MyFedLoan three times ( once by email on XX/XX/XXXX, once by email again on XX/XX/XXXX, and once by phone on XX/XX/XXXX ) and have found them consistently unresponsive. On XX/XX/XXXX, a {$50.00} payment was processed and divided between my PLUS loan distributed on XX/XX/XXXX, and my Stafford loan distributed on XX/XX/XXXX. However, I indicated, when I made the payment, that I wanted the entire {$50.00} payment applied to my PLUS loan. It is unacceptable that MyFedLoan first ignored my emails concerning this discrepancy and then assured me over the phone that the payment would be fixed while failing to do so. 

Second, I mailed a {$100.00} return of principal payment XX/XX/XXXX, and I have the canceled check indicating that it was cashed by the Dept. of Education on XX/XX/XXXX. However, this {$100.00} payment is not reflected on my PLUS loan distributed on XX/XX/XXXX, as it should. This should be dealt with immediately, as it is unacceptable that my payment would be cashed and withdrawn from my account but not credited against my loan.