davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-02
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Synovus Bank (FL)

First progress ( FP ) a prepaid credit card company recently rolled out a new paperless billing option. Once I enrolled, I did not receive an email statement for the billing cycle for that month ( i did not realize this at the time ). The following month I received a paperless statement indicating my payment for the previous month ( the month I had enrolled ) was not received. I checked my email and spam and realized the FP had not sent me an electronic statement for the month I had enrolled. I wrote to them explained how they missed sending me the electronic statement for the month I had enrolled but they shrugged it off by writing me a letter that stated that my complaint was " frivolous or irrelevant under the regulation V fair credit reporting. I selected this prepaid to better my credit and this late payment will effect my credit negatively. I hope this can be corrected.
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (AZ)

Kia Debt collection has been calling my work phone twice a day for since the end of XXXX. This is not a debt from anyone in our company someone must have used our info. I have contacted them and talked to a supervisor to let them know that this in not a number they should be calling. they told me they can call until the person they are calling for updates the number.
Consumer complaint received 2017-01-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (HI)

I went to this XXXX around 6 years ago and before having any procedure performed my insurance was verified By the XXXX and after any procedure was done I had paid my portion of the costs. 3 months after the procedure had already been performed I had lost my job and the insurance company decided not to honor their portion of the bill. The XXXX decided, even though they had verified my insurance prior to the procedure, that the bill should land on me. It 's been in collection ever since. Also, the collector seems to be tacking on an extra XXXX dollars to the debt each year the debt is unpaid. I have not once been contacted or received any documentation from the collector. I only know about it because of checking my credit score. I had previously disputed this debt with the credit agencies, but for some reason it seems that the collector had provided some sort of proof. Regardless of what that proof is, I do not agree to have the responsibility of this debt. This XXXX had verified my insurance prior to the procedure being performed and I would not have had any procedures performed without having insurance in the first place.
Consumer complaint received 2016-03-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

My bank has been changing the order transactions come in so that they are able to charge additional overdraft fees. I have a branch manager that has been helping me to credit each time but this is now the XXXX overdraft fee they attempted to charge. A recent example is I had my direct deposit go through this morning and the rent check that was deposited yesterday after business showed that it came in before the direct deposit and a {$36.00} fee was charged. 

I do n't keep a lot of funds in this checking account as there is no interest for having it there. Therefore ; I monitored my accounts daily and as of XXXX yesterday ; they account had {$300.00} available. The next morning I looked and noticed they jumped the rent check XXXX-XXXX transactions down along with the overdraft fee. This has been happening a lot more recently and needs to be investigated.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: U.S. BANCORP (WA)

I 've had a Fidelity Investment Reward XXXX XXXX card for several years. XXXX XXXX XXXX was the issuer. When I got the card I set autopay to pay the balance in full each month. This worked perfectly for many years. 

Recently Elan Financial Services acquired the Fidelity line of business. They cancelled my old XXXX XXXX card and issued a new XXXX, which I did n't receive until XXXX due to travel. 

But in XXXX, during the transition, an automatic charge was processed through XXXX. Before the automatic payment was made, the account was converted to XXXX and Elan cancelled existing automatic payments. 

Today I received a phone call saying my account was more than 30 days delinquent. This is the first notification that I owed Elan ANY money. I immediately made payment in full, but Elan had already assessed penalties, interest, and notified the credit bureaus. 

My autopay should have been applied before Elan took over the account, the autopay setup should have continues, or, at minimum, Elan should have notified me within days of missing a payment rather than waiting for more than a month to pass. 

How is it reasonable that I owe late fees, interest, and suffer a derogatory mark on my credit score when I 've never even used an Elan product? That 's right ... I 've never charged anything to their XXXX!
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Visa did not properly protect my rights as a consumer when I disputed a charge by a XXXX '' company. I had to call CHASE numerous times to get the information card mailed that provided the instructions to dispute. They were not very cooperative until months later. Thankfully I had clear cut email documentation of the vendor failure AND I provided email documentation from the XXXX '' Company that proved they had not provided services as advertised to CHASE. 
Chase summarily found in the vendor favor. I FIRMLY BELIEVE THEY NEVER REVIEWED THE DOCUMENTATION Until I escalated the complaint to Chase Visa " EXECUTIVE '' Office and fought for my rights. They finally agreed to dispute properly. I followed up with Chase Executive Office and was never called back to discuss my treatment. I gave them plenty of time. WATCHING THE XXXX SPEECH by the widow who was a victim of the scam reminded me that CHASE was more than willing to give me NO SUPPORT with my rights.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CO)

On XX/XX/2016 I Checked my online accts with USBank. I found that there were fraudulent charges on my credit card ( cc ) and XXXX debit cards ( db ) from XXXX that posted XX/XX/2016. I immediately advised USbank of the fraudulent charges. I have several accts with them and XXXX db 's and XXXX cc had charges including convenience cks, atm withdraws, balance inquiries, and point of sale ( POS ) transactions. They closed the accounts and indicated it would take 10 business days to receive provisional credit. While I was in the branch on XXXX different occasions, XXXX other customers came in indicating they had fraudulent charges. USBank has a data breech and they owe it to the consumer to notify the public! They reissued several sets of cards and I am now receiving pin numbers in the mail for my cc that I did not request. I contacted usbank several times and asked for status regarding the claims and all I get is someone will call you back. I have requested several times for calls from an investigator and no one has called back. I did receive a partial credit on my cc within the 10 business days, but not from my checking acct. I have been told I have an investigator for the pin #, one for an acct opened in XXXX, another is from an account opened in XXXX, and one for my cc. The credit for my checking acct was not credited within the 10 business days. USBank has a data breech, they need to inform the public! Consumers also need to be reimbursed for their time that this is taking by usbank paying punitive damages
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I was recently laid off from my job and attempted to see if I could get my student loans from Navient temporarily suspended until I could find work again so that I could continue making payments. Navient told me my only option was to put the loans on forbearance for 3 months and they would have to charge me {$150.00} for this service ( completely unacceptable to take advantage of someone this vulnerable! ). I have also attempted to lower my monthly payments of {$500.00} with them and come to finally find out that I 'm only on a 5 year term repayment plan ( which I was never informed about ; no wonder I 'm paying {$500.00} a month! ) They informed me that in order to lower my monthly payments they would have to extend my terms which would require a credit check ( not sure why that is ) and my co-signer would have to prove she is not able to make the payments either. I 've attempted to remove my co-signer a few times off of my loans as I 'm no longer in contact with them and I 'm XXXX years old and no longer need a co-signer. Navient is extremely difficult to work with and I want my payments temporarily suspended until I can find a job without getting charged for it, I want my monthly payments lowered, and my co-signer removed from my loans without her permission as I 'm XXXX years old, no longer need a co-signer, and I 'm the primary on the account.
Consumer complaint received 2017-01-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc. (AR)

I moved in XXXX XXXX apartment in XXXX and I ended up moving XXXX XXXX and I never renewed my lease. I let the office know that I was n't renewing my lease I moved out on the XXXX of XXXX.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: ProCollect, Inc. (TX)

Procollect has again sent a letter to our house regarding our son 's debt issue. They have been notified repeatedly that our son does not live with us. Yet, a letter arrived today again. A complaint was previously filed with your agency about this same account. In the letter that I now have in hand, Procollect is offering a settlement of 50 % of the debt and deletion of the issue from my credit report. The previous case I filed with you dealt with the fact that Procollect put this debt on MY credit report rather than my son 's. If this is on my credit report again, I will take additional steps against them, but I do not know if it is on my credit report now or not.
Consumer complaint received 2015-08-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (OH)

This is my second complaint about my closed Discover card in the past XXXX months. 
Complaint # 1 - I received a 'new ' card from Discover XX/XX/XXXX on an account that I closed in XX/XX/XXXX. When I called, they told me the account had never been closed *not true*, but they would now close it. I was unhappy with the fact that the credit card had remained open XXXX years after I closed it & that my credit was run without my permission and a new card sent out to me. 
Complaint # 2 - I received a letter today dated XX/XX/XXXX that stated that although Discover had 'recently sent an offer to me for a credit line increase if I completed qualified activity by by XX/XX/XXXX, my account did not fully meet the conditions of the offer '. Once again, my credit should have never been looked into in any respect by Discover again without my permission. Especially since I had within the span of a little over a month 's time I 'd had the account re-closed, and they were to put me on the do not mail list. I am not a customer of Discover and they should have no access to running my credit and they are to have NO communication with me at all, per my request and what from what I understand the law to be.
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (MO)

I recently pulled my credit report and reached out to both the credit bureau and Capital Accts. to dispute all accounts with this fraudulent company that has reported accounts. I 've asked for documentation to validate debt and they provided me with an out-of-date scanned image of something from XXXX/XXXX/XXXX. They failed to provide me with an up-to-date copy of said debt. If such debt is owed, it was sold by the original creditor who did not inform me of a debt or ask my permission to sell any of my medical information. This is clearly a violation of my ( HIPPA RIGHTS ) by both the medical office and third party. I 've asked for the following from this company : a copy of my signature with the provider of service to release my medical information and for them to stop reporting to the credit bureau until the debt has been validated by me. I have not received any documentation from neither company to release any medical information about me or giving permission to sale any of my information to collect on a balance I 'm unable to verify with XXXX XXXX XXXX. In addition, because the original creditor sold my information, I am no longer responsible to pay due to " NO CONTRACT/CONTRACT IS CANCELLED. '' Also, I have not received any letters that I owed a debt to even dispute the debt from neither company. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPPA ) to protect my privacy, medical and dental records from third parties. Capital Accts. has withheld information and refuse to provide me with what I asked in my written request to them and the credit bureau. This is currently affecting my credit as I am trying to purchase a home. 

In addition,. I 've recently tried to contact this business about the account to verify and have been unsuccessful. This account is 4 years old and neither XXXX XXXX care or said collection agency has reached out. This is a third-party with my personal information and if said account is valid, which again I ca n't prove because XXXX XXXX care has failed to reach back out to validate the debt. I have asked that they please stop reporting to the credit bureau and remove account due to " NO CONTRACT/CONTRACT CANCELLED. '' Amount Owed : {$170.00}, which includes {$50.00} in accrued interest ( According to the collection agency ).
Consumer complaint received 2016-04-19
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (MD)

US Bank did not refund annual fee when I closed account back in XXXX, XXXX. The fee remained and started accumulating late fees/penalties. Balance is now {$200.00} and should be XXXX. Also shows up on credit report as delinquent and 90+ days past due. They say that I closed the account in XXXX, XXXX. I closed the account in XXXX, XXXX. Account should n't be past do at all.
Consumer complaint received 2017-03-13
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company (FL)

My wife and I purchased a home to be built at XXXX XXXX, XXXX XXXX, FL by XXXX XXXX XXXX. They recommended their mortgage company, DHI Mortgage to process my application for a VA mortgage. It is over 5 months, and they are still requesting documents, many of which have already been given to them. When I objected and wanted to know when this would be finalized, I got an email telling me they were closing out the application and will send the documents I gave them to whomever I choose to write the loan. The house will be completed in 2 weeks. I will have to rent a place until for at least 30 days when the new loan can be finalized. Very unprofessional.
Consumer complaint received 2023-01-06
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: FORD MOTOR CREDIT CO. (GA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2016-09-08
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BYL Collection Services (DE)

I use XXXX for most of my health-related issues and they send me out to XXXX hospital for anything test or XXXX. The bill comes to me then I take it to XXXX XXXX for reconciliation. 
XXXX has me on a scale where I pay a certain amount for each visit, they determine if a bill is cleared completely or a few more I will pay while they clear the rest. Usually, I will follow-up which I did then they give me a clearance. 
I followed all these steps and got the clearance over the phone that my balance is XXXX. Over a year later, I was going through a program to purchase something when they sent me a letter that something on my record is limiting them from proceeding. 
I was provided this number and I called. It was " COLLECTION AGENCY ''. I was shocked to hear about my hospital visit that was split into XXXX payments and I should set up a plan to pay. I tried to explain that I was given all clear but the lady speaking to me kept saying I should set up a plan or fax a clearance letter. 
I then ran to XXXX to replay this conversation I just had with XXXX ; according to the young lady I met, the guy that worked with me no longer works with them but the record they had on me was over a year prior to this bill with a XXXX balance. 
I further explained it 's strange since the letter I used for the procedure was given to me by the doctor there and faxed to XXXX from there. She went ahead to ask how I knew I was owed since they had nothing like that and I mentioned collection agency. 
She rose up to say that once things get there that they can not do anything. She could n't even see the lapse from their path even though she agreed the process I mentioned earlier were the correct steps in handling their bills. We could n't resolve this either. 
Right now, I understand the bill is about $ XXXX and I ca n't afford that let alone the bill I had no clue about. If I had seen the note from collection like they claimed, I would have still taken it back to XXXX but I got none. It was in the process that I told them to update my address since I had moved from where they claimed they sent me a notice. So I do n't know what to do at this point. I went back to the program expert who mentioned this discovery and was told to go online to this site and explain. Hoping to resolve this mystery completely soon.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (IL)

XXXX XXXX Gas Rebate World MasterCard states that you will " Earn XXXX % rebate on gas purchases - capped at XXXX % of your total monthly purchases '' When I inquired as to what the result would be of only purchasing gas and nothing else I was told that I would receive a XXXX % rebate. I made this inquiry two times by phone and the representative was confused and needed to speak with a supervisor to confirm the rebate features, but both times stated that I would receive XXXX % in rebates if I only purchases gas. 
I used the card to purchase only gas and received a XXXX % rebate, not XXXX %.
Consumer complaint received 2017-01-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (NC)

On XX/XX/XXXX, I received a letter from US Bank stating that I lived in a Special Flood Hazard Area, which means I am required to maintain flood insurance coverage. If we do not receive evidence of sufficient flood insurance coverage within 45 days, we will proceed to buy flood insurance for your property. I contacted US Bank and was informed that my garage was not covered. I then contacted my flood insurance company and they stated that the garage was covered and sent the appropriate paperwork to US Bank. 
On XX/XX/XXXX, I received another letter from US Bank, stating that a detached storage building on my property which had a replacement cost of over {$5000.00}, is not covered. It also stated that I had a FHA loan and the replacement cost was determined to be {$12000.00}. I do not have a FHA loan, I have a VA loan. The only storage building I have is a XXXX ft. by XXXX ft. shed that is definitely not worth over {$5000.00}. 
When I called US Bank, today, XX/XX/XXXX, I was told that the storage building was appraised at {$12000.00}, from comparable storage buildings that were XXXX square feet. 
My complaint is that this bank is not using correct data to determine what flood insurance is required to cover my mortgage. In their original letter they state that they will only provide insurance that covers the structure of my home ( the building, walls, floors, roof and permanent attachments ). So why are they now stating that I need additional insurance for a storage shed? I feel like they are trying to take advantage of us in every way they can. We have not had any issues like this before.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (CA)

I called in to Equifax on XXXX XXXX, XXXX to notify them of inaccurate inquiries that were on my report. These inquiries did not afford me appropriate notification of being placed on my consumer report as were affected many consumers during a credit bureau glitch of most inquiry reported prior to XXXX XXXX. Upon reviewing my records with the association, I have made note of the following inquiries reported on my consumer account incorrectly : 1. XXXX XXXX XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX 2. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 3. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 4. XXXX | REQUESTED ON : XXXX/XXXX/XXXX 5. XXXX | REQUESTED ON XXXX/XXXX/XXXX 6. XXXX XXXX | REQUESTED ON : XXXX/XXXX/XXXX I have called the company with customer service representative response stating that the inquiries would not be removed because they would fall off this year ( XXXX ). The incorrect inquiries have not been removed at this time. This is incorrect practice and I would like my consumer rights observed and protected.