davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: AAA Collections (SD)

the two collection companies that has called, served me with papers and has sent a sherriff to my home to seize my assests. the hospital has billed me for my daughter who is now and was on state XXXX at the time of her visit. I had a visit and at the time I had insurance through my work. I was having terrible XXXX XXXX and I waited for the day for my insurance went into affect, and waited for my H.R. lady to print out my information to give to the hospital. they never filed atndnd XXXX days it 's too late to pay for that date. another is for the day my son was born. I have a XXXX dollar bill. I was on state XXXX and so was my son. the hospital told me XXXX did n't pay because they said I had and private insurance st the time when I didnt. I called XXXX and they went back and researched the dates and they said they paid out. in returning the call to the hospital, the lady I spoke to reviewy file and she said that the bill is final and the boars refused to look over my case anymore. why should I be responsible for this when I was on XXXX. these bills that either were n't submited correctly or at all and is being refused to look at again is unfair. this is killing my credit. not to mention I ca n't afford it. the representatives at these collection companies are extremely rude. they do n't want to hear what you have to say. you ca n't work a payment arrangement with them because they want what they say you have to pay and if not they will send a sherriff out to your home to say care you.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AL)

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XX/XX/2011 60 days past due as of XX/XX/2011, XX/XX/2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MN)

We used a Home Depot credit card with a 6 month no interest. We were leaving for XXXX for two month during the winter and paid the card off. When we returned to XXXX we checked our mail and we had a late fee from Home Depot ( Citi ) on a zero balance which in turn had another late fee on the first late fee. So when I called the XXXX number and enter my information the automated system tells me " this is an attempt to collect debt '' ... first of all I 'm the one that called!! ..This would have been a lot easier if they would have called a month ago. I told them that I had paid the card off and was out of town not expecting any problems. We paid the card off on a Sunday which the payment went through on a Monday. They told me when I paid it off, the payment should have been made on the Saturday but the payment would have still been made on the Monday. They made me pay a {$27.00} late fee saying that they took XXXX off but how can I get a late fee from something that has a ZERO balance? What they are doing is charging people and then keep charging them without even contacting them so they can keep making more money! ..I paid the money and closed the account in which they did n't care. They tell me ok we 'll send you an e-mail with the closing information ... wait..what? They can e-mail without even asking for my e-mail because they already have it on file but they ca n't e-mail me XXXX tell me I 'm incurring late fees?? These people are crooks and the Home Depot has lost all my business because of them!! Funny thing is, is you ca n't talk to Home Depot about it!
Consumer complaint received 2023-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (ID)

On XXXX XXXX, 2023, I submitted my VISA debit card to my doctor 's cashier to pay the {$40.00} copay for my doctor 's visit. The card was rejected. ( Embarrassment! ) This was the second time US Bank VISA has blocked my credit and debit cards, so I was quite upset when I called them for a reason why. The reasons stated both times have been : " Protecting elderly customers from being scammed by unethical online businesses that have been flagged by their credit card business operations. '' My complaint : 1. No notice of blocking my purchases, only to find out at the time of my next purchase my card is rejected - as in local grocery stores or payments for medical visits ; 2. Credit/Debit card company deciding who I purchase goods from and where I spend my money ; 3. Credit card company deciding how I spend my money. 

The agent I talked with said a " phone message was left ''. I do not have access to my message system and their phone number lacks caller identification. They do have my email address. No further contact with me to advise they would be blocking my card! NO NOTIFICATION of blocking card. 

I have been a client with and had the same US Bank VISA card numbers for over 40 years, I have a XXXX credit rating. I make it a priority to pay off my card balances before payment due date ( which is why they don't value my business- I have never paid them a dime of interest! ). 

The rep. told me at the time of my call she was closing my debit card account - and did. The last time they blocked my credit card for online purchases, I didn't realize at the same time they had also blocked my debit card. Again, suffering embarrassment and stress! 

It is a real rigmarole to get my cards unblocked... several efforts talking with at least 3 operations reps and being placed on looonngg hold during call transfers- after which usage still rejected and more phone calls/transfers and waiting for change to kick in. 

I would like their system and methods of PROTECTING THEMSELVES from unscrupulous vendors kept in-house and NOT PUNISH card users for not knowing the vendors on their list! 

Thank you, XXXX XXXX
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AZ)

I sent dispute letters to  XXXX ,  XXXX   & E xperian in regards to verifying the reported Bankruptcy  XXXX  account  Case  or ID #  XXXX . Experian and  XXXX  has not responded on this dispute and it has been over 45 days.   XXXX   sent me a letter that stated that they verified the reported Bankruptcy through a  3rd party, which it is my understanding that this is a violation on my rights based on the current consumer protection laws. ( I have attached their letter ) ironically in that same letter they ask me to call the courts directly and confirm that the account is correct. So I called the bankruptcy clerk and they indicated that they do not confirm any account with any 3rd parties. Therefore, how is it that   XXXX   feels that they can use a third party and not even be sure on the information they are reporting? It is not right and its unfair to m e.
Consumer complaint received 2017-01-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Denied a promotional offer for new money in a savings acctg. Major bank with minor customer service. Latest response was that I was ineligible due to not receiving offer in mail while I was offered this promotion in person from their bank representative. Have spent several visits to branch office, hours on the phone, and countless time with chats and emails with extremely long turn around time for any answers to this problem. Was told in branch, that this unfortunately business as usual and I am one of many with similar problem with same representative.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Synovus Bank (GA)

XXXX, Synovus and Columbus Bank and Trust are all the same bank and now any bank that has an affiliation XXXX keep reporting the same delinquency every year so it stays on my report. I made an attempt to satisfy and was told they could not find and account for me. They should only report as of 2011 not every year. 
I feel they are doing this to continue to cause me hardship.
Consumer complaint received 2016-12-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Grant & Weber (CA)

Being insured by XXXX when I had to visit the ER at XXXX XXXX XXXX in XXXX XXXX, I had a {$30.00} deductible/co-payment and should not be charged or billed over that amount which was paid. I have confirmed these facts with XXXX, XXXX Employee ID # XXXX, and their phone number is XXXX for confirmation. 

Both XXXX XXXX and Grant & Weber collections have been notified, yet they continue to falsely report the inaccurate information on my credit reports that I owe more money than my deductible.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Courtney & Camp (MS)

I received a summons from  Courtney and Camp   in  XX/XX/XXXX  regarding an  unpaid student loan from   XXXX   XXXX   University. I responded immediately to arrange an affordable payment plan. I explained to the representative that I would only be able to send what I could afford and it was never disputed. I was told that any payment  would be better than no payment at all. From  XX/XX/XXXX  to the current month of  XX/XX/XXXX , I ha ve been making  XXXX  dollar monthly payments by check. Once again, this has never been disputed by this particular representative or anyone working at the firm by phone call, mail, or any other form of communication. They have been accepting my payments and I have the bank statements to prove so. I made a phone call to the firm and spoke to someone by the name  XXXX  this past Monday about a writ of garnishment I received in the mail. It confused me because I have been making my payments on time monthly. My issue is that there was a paper inside stating for me to appear in court  on  XX/XX/XXXX ,  XX/XX/XXXX  and the postage on the mail is dated  XX/XX/XXXX .  XX/XX/XXXX  was on a Thursday. How would I have been able to make an appearance in court to plead my case when the papers were sent late by   the firm? It did n't arrive in my mailbox until the end of that week. It just makes me feel as if this was done purposely just so my wages could be garnished. When I tried to explain this to  XXXX , she was unbelievably rude and dismissive of the situation as if there was nothing else left for me to do except accept the garnishment. She made excuses by stating that I have n't spoken with anyone at the fi rm since  XX/XX/XXXX . If the onl y acceptable payment is by check and the payments are being made monthly, then why do I need to speak with anyone? How is it okay for this representative to tell me that  XXXX  dollar payments are not acceptable, yet they are still being withdrawn from my account? I do n't have anything to hide and my bank statements prove so because I 've been making my payments on time. No one ever stated to me that a certain amount had to be mail in to avoid garnishment. If what she says is true about them getting fired due to the amount in payments I 've been sending in, then someone needs to be fired immediately. This matter was poorly handled by   XXXX   and I want an explanation. I should not have to risk my wages being garnished and not having a place to stay because this firm failed to send my court papers on time. Not to mention, I have been making my monthly payments on time. I need answers from anyone that is willing to assist me with this problem.
Consumer complaint received 2016-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I received a collection notice from Transworld dated XXXX XXXX claiming I had not paid custom fees for a XXXX shipment. However, I had paid those fees to XXXX on XXXX XXXX with my credit card. After being contacted by phone by Transworld, I let the representative know that the payment had already been made. I was instructed to email her the proof of that payment ( credit card statement ), which I did as we were talking on the phone. I remained on the line until she confirmed that received the email. She told me that was sufficient. However, I received another collection notice dated XXXX XXXX. I do not have any outstanding debt towards XXXX therefore this behavior from Transworld is unjustified and I am feeling harassed, not to speak of the time it takes to deal with them every time I receive a notice to avoid any negative impact on my credit history. Thank you for your assistance in resolving this matter and ensuring that Transworld does not treat other consumers in this manner.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NY)

On 2 separate occasions I have advised Navient of my claim of identity theft. My credit report reflects student loans of appx $ 70k which were opened by my ex-wife without my knowledge or consent. I first provided the information to Navient directly in XX/XX/XXXX - which included an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number. I advised Navient that XXXX County PD has an 8 month backlog to produce the actual copy of the police report. Navient closed the investigation but not before forwarding the fraud account to XXXX XXXX XXXX for litigation. On appx XX/XX/XXXX I contacted XXXX and advised that this was a claim of Identity Theft and per their request, forwarded an Affidavit of Identity Theft, SIGNED and NOTARIZED statement from the perpetrator admitting to the fact that the loans were opened without my knowledge or consent, copy of my drivers license, and the police report complaint number - and again advised that there is an 8 month backlog to produce the police report. XXXX advised that they would investigate. On XX/XX/XXXX I received a call from Navient which my wife returned on XX/XX/XXXX. During this conversation we were advised that Navient would again close my claim of Identity Theft because there is no police report. This is despite the SIGNED and NOTARIZED statement from the perpetrator indicating that she opened the account without my knowledge or consent.
Consumer complaint received 2016-05-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (AZ)

XXXX charge appeared on my HSA showing XXXX/XXXX/16. This was paid via the HSA on XXXX/XXXX/16 and the check cleared on XXXX/XXXX/16. The minute clinic continued to send bills and I sent copies from the HSA showing it was paid yet they continue to dun me. Now they have sent it to collections. I shared the proof it was paid with them and they still continue to try and collect.
Consumer complaint received 2016-05-30
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc. (PA)

i am a college student every year i apply for my fafsa. when i join a college on XX/XX/2015 i had did my fafsa. because of medical problem i could n't complete my fall semester. but i had drop all my classes. now college is making me to pay it. college never contact me by email, phone or paper letter. they just send me a bill at the end of the semester. i am not able to make this payment because i am a XXXX XXXX XXXX. and they also put on my credit report.
Consumer complaint received 2021-03-23
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. (GA)

XXXX XXXX XXXX, XXXX is reporting information that I have asked to have verified multiple times. The Debt collector is reporting different dates and payment activity to the different bureaus.
Consumer complaint received 2019-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

XXXX XXXX Loan # XXXX Loan SubServicer - LoanCare LoanCare LLC XXXX XXXX XXXX XXXX XXXX, VA XXXX Complaint : LoanCare has put my account in delinquency without informing me. LoanCare is preventing me from getting accurate information about my account. 

I have missed NO PAYMENTS! 

LoanCare keeps sending me letters every month that I have missed payments ( which is untrue ). I have Certified Letter Receipts/USPS MoneyOrders Stubs fro every payment showing it was Signed for/received by LoanCare & money orders were cashed. I keep sending them certified letter disputing their claims. Attached copies of their letters. 

Attachments : LoanCare Default Letters - 6 months LoanCare Confirmation Letter - Illegal increase of loan amount Example of my dispute letter - Qualified Written Request - Not Answered as required by Law Proof Of My XX/XX/XXXX/XX/XX/XXXX Payments. I have proof of all payments made. 


When I try to access my account on LoanCare website - www.myloancare.com, I am unable to create my account ( error your information does not match records XXXX. 

I have tried numerous times to call them on phone # XXXX, I have been put on hold each & every time ( 42 minutes/37 minutes/28 minutes/31 minutes ) &  very often the call is disconnected! 

I was finally able to get a call back on XX/XX/XXXX. But the agent declined to give me any information. She asked that I call back & get transferred to the Deliquency Department. She can not help me. ( Agent ID XXXX-Name XXXX - XXXX XXXX XX/XX/XXXX ). 

I can not find out whats happening to my account & I have been unable to get any information from LoanCare!
Consumer complaint received 2017-05-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (FL)

I took a loan out with this company I got in a financial situation and was n't able to repay in a timely manner. they started calling my phone several times a day. they were also calling family members ( how they got there numbers I do n't know ). this loan is from abo ut one -one h alf yrs ago, not sure of orginal date. but they are now telling me that they are going to issue and arrest warrant if I do n't pay the amount of {$1700.00}. I offered to pay some back when they contacted me the first time but they said it had to be paid in full or they would take illegal action and contact my employer. I really would have liked to have taken care of this but they did n't want to help settle this in a way that I could financially accomidated both them and me.
Consumer complaint received 2016-12-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SYNCHRONY FINANCIAL (MA)

Hi I had a really bad experience with Synchrony bank. 
I had purchased a Mattress for {$2900.00} on XX/XX/2013. 
The vendor I purchased was XXXX. 

When I purchased the mattress, the sales person mentioned that I can pay the full amount in installments and I agreed to it. 

I asked him what would be my monthly payment so I do n't have to pay any interest.He mentioned that Its about {$31.00}. 
I was fine with that and I purchased the product. 

My checking account was charged about {$31.00} every month as I was told and agreed. 

After three years I noticed that the monthly charges went up to {$120.00}. I was not sure what was going on and I called Synchrony Bank, they said I will have to pay an additional {$2900.00} or so as interest.I was not sure what happened. 
They told me the installment schema was for 36 months and I have to pay interest after that which I was not told by the sales person when I purchased the product. 

I called the vendor, which is XXXX, they told me that the amount of {$31.00} was given by the bank and not decided by them and they can not to any thing to fix it. 

I called the bank and they said only option I have is to pay off the {$2900.00} additional amount they charged me as interest to close the account. 

I mentioned to them that I can pay off remaining of principle amount which is XXXX minus payment I have made so far which will be about $ XXXX.They are not agreeing to it saying that I should be paying the full interest which is double the amount than what I purchased the product for. 

I do n't have any debt and I pay off my bills on time. 
I feel that I was cheated by the bank and the vendor combined by giving me unclear information.I do n't have the amount of {$2900.00} to pay off the interest. 

I had moved few times from the original location I lived before. 
I am not receiving the bank statements. 

I kindly request you to help me with this situation.
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (CA)

AARGON AGENCY INC has yet to validate this alleged debt as belonging to me. I have sent certified mail asking AARGON to provide me with proof. I have not received any correspondence from them validating this debt they claim to be mine. I sent a certified letter XXXX and was delivered XXXX and still no proof of debt or signature belonging to me.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (HI)

I applied for a XXXX card. It had an introductory offer of XXXX miles if XXXX dollars was purchased on the card within the first three months. I did this and redeemed my miles. This card also had an annual fee. I paid all outstanding debts and I cancelled my card prior to the annual fee taking effect via a phone call to the credit card company. I was assured by the operator that I would not be charged because I cancelled within the time frame prior to the fee taking effect. The credit card company has since changed owners and is now a Master Card and is operated by XXXX. For the last 2 years or so I have been receiving bills for the annual fee. I have made several phone calls to customer service explaining that I am being mistakenly charged and am always assured that the mistake will be corrected but I continue to receive bills. I was recently inquiring about taking a second mortgage on my apartment when it was brought to my attention that my credit score had lost about XXXX points since the last inquiry and that it was due to this issue with the outstanding credit cared payment. I have always had excellent credit and always pay my bills so this is very bothersome to me. I believe that the credit card company intentionally refused to fix their mistake hoping I would pay a fee that was incorrectly placed on my account. I would appreciate any help available to fix this issue. Thank you.