davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (OK)

I have a Discover credit card where I want to pay the full balance each month on the due date to avoid any interest charges. In order to not forget to make a payment, I want to set up a reoccurring draft on the due date. Discover only provides options to pay the minimum amount due or " other amount '' on the due date. If you want to pay the full balance amount, you have to draft the payment 10 days before the closing date which is 10 days earlier than the statement due date. If I want to change the draft date to correspond to the statement due date, I have to wait 90 days and then call a representative to have them change it. If they can change it in 90 days, why ca n't it be an option upon enrollment? All my other creditor or service companies allow me to set up reoccurring drafts on the actual due date. The date of the draft also varies from month to month which is very hard to budget. It seems like Discover is trying to increase the potential to earn NSF fees and late charges. By not allowing reoccurring drafts for the full amount on the due date, people are likely to incur NSF charges if they do n't know when the draft will occur or could potentially forget to schedule a one-time draft on the due date incurring late charges. It should be the customer 's right to set up a reoccurring payment in full on the contractual due date.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Hello, In XXXX of this year, I received a new credit card from Macys. There was no indication in the paperwork that I received that my account number had changed but, it turns out it had. I had my Macys account set-up to receive ebills through XXXX XXXX XXXX but, since they had changed my account number, I stopped receiving these bills. It seems the first missed payment was in XXXX. The first contact I received from Macys that there was an issue was in XXXX. At that point they sent a letter claiming to have called me repeatedly ( this NEVER happened ) and notifying me that my account was delinquent. I called them and asked that, given the circumstances, they remove the late fees and interest charges. I have immaculate credit and, in more than a decade of doing business with their company, have never had an issue. In attempting to talk to someone about the problem I was repeatedly transferred to departments that had nothing to do with my problem or transferred to " nowhere ''. I finally sent a XXXX message and, again, beyond a courtesy acknowledgement of receipt of my message, I never receive any response from anyone. I have resolved the balance because a, I owe them and b, I care more about my credit than to continue to pursue this losing battle. However, I think someone should be made aware of the fact that they do not attempt to contact anyone until they 've racked up their share of fees and charges and, that a consumer attempting to talk to anyone about the situation is repeatedly thwarted in the most suspect manner. 

Thank you.
Consumer complaint received 2016-08-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MD)

Credit card account was placed for collections. A civil action was filed in XXXX XXXX XXXX XXXX. A settlement agreement was reached for {$750.00} with payments scheduled to be made on XXXX XXXX, 2016 and XXXX XXXX, 2016. Pursuant the agreement after payments were received the Debt Collector, XXXX XXXX, agreed to dismiss the case. Payments were made however XXXX XXXX failed to dismiss the case resulting in a judgment being entered in their favor. I promptly called and advised XXXX XXXX of the blemish that was now being reported on my credit report as a public record. I was advised that an attorney for the company had made notations indicating the settlement was completed. I was told I would receive a copy of the settlement satisfaction letter. To date, no such letter has been received. I filed a pro se motion to vacate the judgement and served a copy to portfolio. The matter has now been set for a hearing on XXXX XXXX, 2016. XXXX has breached it 's own settlement agreement to my detriment.
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (FL)

I REVIEWED MY XXXX CREDIT BUREAU REPORTS AND I NOTICED THAT I HAVE STELLAR RECOVERY COLLECTION ACCOUNT I SENT A NOTICE OF DISPUTE DIRECTLY TO COMPANY I HAVE NOT HAD ANY RESPONSES
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NCMI Corporation (WA)

This ordeal began in XX/XX/XXXX when we had our daughter. We fell in love with a pediatrician with XXXX XXXX XXXX in XXXX Washington. We ended up moving our other XXXX children over to her care also. Unfortunately, that pediatrician ended up moving shortly after the birth of our daughter, so we were in limbo for a few weeks until new doctors joined the establishment. Rather than switch offices entirely, we were patiently waiting with high hopes that we would find a replacement that would fit our needs just as the previous doctor did. We never settled with a primary doctor but instead bounced around between a few different providers with no real preference or opportunity to have a preference. Things became increasingly confusing when we switched insurances and at one point became double covered for an extended period of time. 
I was n't sure how the double coverage would affect our co-pay and deductibles so I would frequently ask the receptionist how our bill was going to change or if it would change. No one could really provide any definite answers. After receiving a collection notice in the mail, I called and asked to speak with the billing department. This happened on many occasions with no real resolution. I would continually leave messages with no return phone call. We eventually received a letter excusing us from the practice. We gladly obliged. 
Not only had XXXX basin excused us from their practice, but they also sent us to multiple different collection agencies. I received another notice in the mail asking to respond to a court date. I responded to the notice, not realizing XXXX other collection agencies were also proceeding with court judgments at similar time frames. This became overwhelming to say the least. Because I did n't understand that multiple agencies were contacting us, I only responded to XXXX of the XXXX, allowing the others to seek and receive a judgement in their favor. 
This billing issue has ruined our credit, caused significant amounts of XXXX, and yet continues to haunt us today. 
My husbands check has been garnished multiple times for this by multiple different collection agencies ... each claiming the SAME debt is owed. 
We are at our wits end and in desperate need of help to finally be done with this horrid ordeal once and for all. I 've lost my motivation to fight this unfair and saddening injustice.
Consumer complaint received 2015-06-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica (TX)

As a XXXX employee on XXXX, the XXXX of XXXX XXXX issues my benefits on a debit card issued through Comerica Bank. My card expiration date was XXXX. I had called Comerica back in XXXX 2015 to see when my new card would be issued. I got a recording that said my card would be expiring soon and that my new card would arrive soon and that if I did not receive it, to notify them. When I had not received it by XXXX XXXX, I called Comerica on XXXX XXXX and the rep told me that the new card had been mailed out on XXXX XXXX, 2015. I told her that I had not received it and she informed me that it needed to be cancelled in case it was lost or stolen. I told her that I needed a valid card to make grocery purchases, etc. She told me that I could have a new card expedited to me in 2 days for a fee of {$13.00} and that my new card would arrive by XXXX on Wednesday, XXXX XXXX. When I did not receive it on XXXX XXXX as promised, I called Comerica back and asked to speak to a supervisor. I informed her that I had paid {$13.00} to have my new card delivered to me by the XXXX and that our XXXX driver always comes around XXXX. She said to be patient because XXXX works XXXX and that it would arrive ( It never did ). She also informed me at that time that my original card was valid through XXXX even though it states on the front that it expires on XXXX. I asked her why I was not given that information on XXXX XXXX when I called so that I would not have to spend {$13.00} to have a card expidited to me. She had no answer. My new card did arrive a day late on XXXX XXXX.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CO)

Barclays Bank Delaware consistently reports to all three credit bureaus that I am late making payments ( photo attached ). 

The account was settled on XX/XX/2018. ( Photo attached ). Yet still, every month, Barclays reports that I am late ... that I missed a {$0.00} payment. This has continued to drag my score down since 2018. 

I called Barclays several times and each time they tell me I owe nothing, and they should not be reporting late payments .... and that they will resolve it. But they never stop and I have gone through this more than 5 times. 

I have also disputed with the credit bureaus directly and after the dispute resolved it says dispute resolved, customer disagrees .... ahem ... excuse me no it is not resolved!! 

I need help with getting Barclays to STOP REPORTING ME AS HAVING LATE PAYMENTS EVERY MONTH SINCE 2018 WHEN I SETTLED MY ACCOUNT I feel like I am bullied and am up against a juggernaut that keeps destroying my credit with no recourse for me
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (GA)

I received a loan from Sallie Mae XX/XX/2016 to help pay for my schooling at XXXX XXXX University in Alabama. The loan amount was for {$10000.00}. I am the primary on the loan and my grandmother is the cosigner. For the past three months ( starting XX/XX/2016 ), Sallie Mae has been hounding my grandmother and myself to start paying the interest on the loan. I told them that I am still a fulltime student at XXXX and can not make payments right now because I do not work. I told them that I would like to defer the payments until I graduated. I was told that I did not make that choice at the beginning of applying for the loan ; so I filled out a deferment form and faxed it to Sallie Mae. The calls stopped for a week, and then started right back. They were calling my grandmother five and six times a day asking her for money. My grandmother told them to stop calling and that we already faxed in the Deferment Form to Sallie Mae, however, each time se spoke with them, they gave her a different explanation as to why they still were calling and why the Deferment Form was no good. The customer service representatives for Sallie Mae, as well as the Managers my grandmother and I spoke with were rude and aggressive. My grandmother is XXXX years old and they were very disrespectful to her. I have an Aunt that is a debt collections attorney and she even spoke with Sallie Mae asking what exactly was the issue with accepting the Deferment Form ; however, when Sallie Mae found out she was an attorney, they told her that everything was fine and they would update my account to show that the Deferment Form was received and to stop calling. However, the calls started again a week after that phone call and are still continuing to this day ... even after my grandmother told Sallie Mae to stop calling and correspond with her only through mail documents.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (VA)

The XXXX transponder attached to the car my wife and I use failed to debit our account after my wife and/or I were driving on the XXXX express lanes, near XXXX., on XXXX XXXX, 2016. These express lanes are operated by a company called " XXXX XXXX ''. The charge for me ( or my wife ) using the express lanes on that occasion was {$4.00}. The company XXXX XXXX says that it sent us collection notices in XXXX and XXXX 2016. My wife and I do not recall having received them. ( If we had, we would have paid the small charge immediately ). I received written notice from a collection agency, Professional Account Management, LLC, seeking payment of {$100.00} in connection with the XXXX XXXX charge. No information is provided as to why a collection of {$100.00} is sought for a charge of {$4.00}. 

XXXX did not call me or my wife to let us know if the {$4.00} charge. Again, if they had, we would have paid it immediately. 

In my view, it is grossly unfair that a collection agency seek payment of over 2,300 % of the amount of the original charge, especially when the collection agency 's client could have made a simple phone call that would have resolved the issue.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (MO)

I got a student loan from Sallie Mae. I went to school and graduated XX/XX/2014. I moved to Texas and was unable to find a job outside the service industry. Waiting tables was not easy nor did it provide a huge income. My student loan payback was asking more that {$400.00} a month to repay. When I called to ask if there was something I could do about repayment plans they said I had to pay that amount. I talked to my grandma who luckily was able to help me with payments. I called again and asked again to speak with someone in lowering my payments. They told me I had to let my loan go into default ( make no payment for 2 months ) to be eligible for a repayment decrease. I did what they told me because they said it would no affect my credit and when I did that I called again and said it would affect my credit. Although my payments decreased they said it would extend my loan for so many years. I felt like I had no other option but to do that not knowing I would nearly three time in interest. For the life of my loan. I felt cheated and lied to the whole time I was communicating with these people. Anyone going to college I always tell them not to get loans through sallie Mae.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC (PA)

This account is a fradulent account. I went to this business FOR A CONSULTATION. the XXXX never told me that I would have to pay for anything. When I went to leave the receptionist told me I had to write a check for {$3500.00}. they would hold the check for two weeks -- AFTER I came back " for trays '' -- they would then submit the bill to my insurance company in three weeks after I Paid them for the full amount of {$7500.00}. I called my insurance company when I got home. I was informated that this basically is insurance fraud. I called the XXXX office the next day to cancel my contract and tell them I was not coming back in for services. I never went back -- Two weeks later the XXXX started calling my job leaving harassing messages. Next two months I receive a letter from a debt I did not owe. I have medical and dental insurance. I am being charged and billed for services never rendered. I never received XXXX or anything from this business. I wrote a check but cancelled the contract the next day. I would not be a part of insurance fraud.
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (FL)

the amount is not correct. the original amount balance was {$140.00} my insurance paid I paid out of pocket due to they did cosmetic dental knowing I did not authorized and knowing my insurance would not cover it, this was addressed before I made the appointment. I disputed the bill. We had an agreement of lesser amount, they were to take off {$90.00} off the bill but there balance of {$140.00} minus {$90.00} came up to a balance of {$82.00} the correct balance was {$57.00}, but it was already in collections when we made the agreement. I have it in writing on the agreement. I will pay what was agreed upon the {$57.00} or I wo n't pay none.
Consumer complaint received 2023-01-06
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. (IL)

Please see the following accounts appearing on my credit file by XXXX, XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   These accounts are a violation of my federally protected consumer rights. And In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 states : a consumer reporting agency can not furnish a 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 2015-10-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (CA)

On or about XXXX XXXX 2015 I ordered a refurbished Heavy Duty XXXX wheelchair from XXXX of XXXX Florida. I paid the company {$2200.00} electronically using my debit card. 

The chair sent to me was neither identified as a Heavy Duty model, nor were there any shipping tags or bill of lading, and the chair did not operate properly. 

After a volley of nearly XXXX, at times heated, emails, the CEO of the company offered to send me a NEW Heavy Duty model, as well as to refund my payment, and allowing me to keep the old chair which remains inoperable. The chair was delivered and operates, though in a very disappointing manner. Again, no shipping label or bill of lading was included with this replacement chair, that identified it as an HD model ... 

Now XXXX is apparently NOW attempting to collect for the new HD chair, though XXXX CEO promised it because of the deficiency of the chair that had originally been delivered. 

XXXX has never sent me a bill or any other written communication regarding this claim -- they did n't even bother to send a shipping tag/bill of lading until two weeks ago ... which I suspect they just dummied up because they had not sent it originally ... 

XXXX is using a firm called ALLIED INTERSTATE, which apparently is a subsidiary of an XXXX firm called XXXX, which firm has contacted me, asking for my social security number and to verify my name ... 

I owe XXXX nothing, based on the promises of their CEO, despite threats from a customer service representative ... 

I believe XXXX is operating in Florida illegally by not including proper labeling of purchased items, proper delivery information, and some sort of serialization of their products ... 

I was also suspicious when they offered to give me the new chair AND repay my payment to them, as well as to keep the old chair in response to my complaints about the old chair ... 

I want the harassing calls from this XXXX importer and debt collector to cease for a debt that is not owed by me ... 

Thank you for your help ...
Consumer complaint received 2015-04-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (PA)

I continue to get phone calls from a company Allied Interstate , LLC. They claim I have a debt from a XXXX Credit Card from 1998 which is in my maiden name. The debt totals {$1400.00}. I called XXXX and this debt does not exist.
Consumer complaint received 2020-04-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (SC)

Is showing 90 days late XX/XX/2017 when was on deferment from XX/XX/2017 to XX/XX/2017 so a payment would not have been due so how can I be late? Also shows I paid XX/XX/2017 so how could I be 90 days late for XX/XX/2017?? This is keeping me from buying a house.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I Purchased an item from XXXX XXXX, paid with XXXX account, I never received the item. I opened a claim immediately but because I had a credit with XXXX they still charged me for the item. XXXX took a long time with the dispute and closed my account showing that I still owed it. 60 days after the dispute was open they closed my account after repeated calls and speaking with supervisors. 
XXXX finally answer the dispute after I dealt directly with XXXX since XXXX did not move on it, XXXX confirmed with XXXX and after their investigation they determined that I in fact never received the item. XXXX provided me with a letter apologizing for the mistake. XXXX tried to reimburse XXXX but my XXXX account had already been closed by XXXX. On XXXX XXXX sent me to their collections agency, XXXX XXXX XXXX, to whom I also disputed the validity of the debt and provided them with proof of the dispute but they did nothing. XXXX charged me interest over interest and sent me to this collection agency. I did not owe this account. 
Item was {$99.00} I ended up finally paying the collections agency because both accounts affected my credit. Paid over XXXX in charges and penalties for an item that I never received and for the lack of professionalism and protocol that XXXX should of taken. First they never followed up with their procedures on the dispute and then followed up with closing my account. It was through my own efforts that I got things settled directly with the merchant. 
For years this was a battle between XXXX and then the collection agency. It has affected my credit and not to mention put me through the anguish of fighting them with different people who none of them were helpful. 
I request a full reimbursement for all fee 's paid plus money for damages and anguish caused. But most of all I want these XXXX companies deleted of my credit report. 
XXXX / XXXX Account # XXXX & XXXX XXXX XXXX My report does not show that I owe them because I needed to show some what of a positive report but never the less they still show on my report and it has affected me in obtaining loans with higher interest rates and not being able to qualify for a mortgage loan. 

Please humbly review all my letters and the facts and restore reinstitution because no one else should be subject to all of this anguish and pain brought by one company who had til this day not taken any responsibility. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX