davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

In XXXX, I made two purchases on Macys.com. I returned most of what I ordered, leaving a balance of {$21.00} on my Macys card. I did not receive a paper statement, and this balance slipped my mind in XXXX and XXXX. On XX/XX/XXXX ( Sat ), I got a statement in the mail indicating that I was being charged {$100.00} in late fees and had accrued {$6.00} in interest. 

The fees were : {$27.00} charged in XXXX, {$38.00} charged in XXXX, and {$40.00} charged in XXXX - all on a purchase of socks for {$21.00}! 

Today ( Monday, XX/XX/XXXX ), I called Macys and after 40 minutes on the phone with a representative and then a manager I was able to convince them to remove two of the late charges ( the {$38.00} and {$40.00} charges ). 

I read that according to the CARD act of 2010, it is not legal for a credit card company to charge a late fee that exceeds the minimum payment owed by a customer. If this is correct, Macy 's has violated federal law with all 3 of the charges to my account. 

Because I don't want to waste more of my valuable time fighting with Macys, I made a payment today for {$54.00} XXXX the amount of my purchase + interest accrued + one late fee of {$27.00} ). I was assured that I will receive a paper statement next month documenting my that these payments resolve my account, which I plan to then terminate. I have cut up my Macys card and will not shop at Macys again. 

As a PS, I would like to mention that I have been a Macys card holding in excellent standing for 13 years. I don't think I have ever had a late payment until now, though the Customer Service representative could not confirm this, as her records go back only 1 year.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX  XXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX   XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXXXXXX XXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX {$1500.00} XXXX XXXX {$3500.00} XXXX XXXX {$1000.00}
Consumer complaint received 2020-06-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (FL)

PNC Bank herein stated as " The Company ''. The company stated online and i have a saved printed copy that my next car payment will be on XX/XX/2020, now it appears that i have to pay immediately and/ or will face negative action.
Consumer complaint received 2020-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WV)

I began attending XXXX XXXX university in XXXX WV in XX/XX/XXXX part time on and off ( depending on work ) working towards my degree in XXXX XXXX XXXX In XX/XX/XXXX due to my spouse and his substance abuse I no longer could attend college because I had to support my newborn  and take a full time job after separating from my husband. My student loans were always advised to be to be placed in deferment or forbearance. With very little income and supporting a child this continued for years. In XX/XX/XXXX a coworker gave me information about income driven repayment plans for student loans. This information was NEVER suggested to me. The information on IDR showed after 20 years of making income based payments the remainder of the balance would be forgiven. For 13 years my loans sat and accumulated interest. In XX/XX/XXXX I went back to XXXX   school and am now a XXXX  I then worked full time so my Second Husband could go to school, he graduated with his XXXX degree. We have XXXX children but making my student loan payment ya is impossible. My original balance of loan debt was approximately {$27000.00}. To date my loan balance with interest is {$100000.00}. With an expected payment of {$2000.00} a month. I owe for my student loans and In no way feel that I should not have to pay this debt back. However I do feel with proof of my W2s from the years XX/XX/XXXX to XX/XX/XXXX I  can show my income was low and I should have been advised to do income based payments and would be well over half way to having my debt paid off in regards to after 20 years the debt is removed. I want to pay what I am in debt to but also would like reconsideration on the interest that makes repayment impossible. I have emailed Navient multiple times with absolutely no response. Phone reps can not offer any help. Any help with this matter would be greatly appreciated. Thank you for your time. 
XXXX XXXX XXXX XXXX  XXXX , WV XXXX
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was advised to contact you regarding items on my credit that are not mine. I went to get a loan from my credit union and they was only able to approve me for a small amount due to items on my credit that are not mine. I have been with this credit union for 8 years and even have my car with them. Please have the items removed from my credit The accounts im talking about are XXXX XXXX XXXX, XXXX and DeptofEd/XXXX. I have reached out to the FTC and my local police department.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Our granddaughter XXXX XXXX XXXX contacted us this morning concerned about a withdrawal she had made from XXXX. This is college account we had opened for her. She thought she should have received yesterday, we received this morning at about XXXX. XXXX asked the check be deposited in her Wells Fargo account, XXXX XXXX XXXX XXXX, XXXX XXXX, CO. The check was made out to my husband XXXX, he signed it, made out a deposit slip with XXXX ' account number and presented it to the bank. He was told the bank could not accept third party checks. XXXX went to our XXXX XXXX and cashed the check. With cash, {$3900.00}, in hand he went back to Wells Fargo and was told they could not accept the cash without XXXX present because there was no history of the cash and there was no way to trace. Without argument he went to the college, met XXXX and paid the tuition. Not being happy, called Wells Fargo Customer Service, spoke with XXXX, ( XXXX XXXX ) I asked to speak with a manager, he said he would if I explained my concern. I told him and he said my husband was given the correct information. I are repeated my initial request. I was transferred to XXXX. XXXX explained it was a Federal reg which all banks have to follow. I asked for the req number so I could contact my Congressman. He put me on hold and told me he was incorrect it wasn't Federal by banking policy. I asked if he knew the reason as he had explained he was in the executive section of Wells Fargo. He didn't know. He did say the reason was probably due to fraud or counterfeit. I asked he transfer me to someone in a higher position. He said there was no one higher ( I believe he said this ). I stated there is always someone higher and he transferred me to XXXX ( XXXX XXXX ) I explained, she gave me generally the same answers. I asked if they suspected my husband of fraud or counterfeiting why weren't the police called. He had in had American money, not foreign from our bank. He was making a deposit into the bank, not taking any money out. He would have left any info. He was not a member of any carter or mafia. I find this utterly ridiculous. I asked for the person ( people ) who had made this policy. XXXX explained because of the banking mess ( my word, not hers ) several years ago banks made this decision. I still don't understand. She told me there isn't anyone I could speak with. So I asked for a banking commission or something. She told me of CFPB. Is there an answer why Wells Fargo or as I was told any bank not accepting cash for a deposit?
Consumer complaint received 2019-03-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

Equifax Company fails on many levels. The reasons are stated below : Supervisor of Equifax XXXX XXXX states " Equifax often misrepesents information ''. XX/XX/XXXX Supervisor XXXX XXXX VERBALLY confirmed the dispute I filed has been resolved and cleared. 

Extremely poor customer service at many levels by several agents prior to finally speaking with Mr. XXXX who failed as well. 

Refusal by Equifax to send written confirmation of a confirmed dispute clearance by XXXX XXXX on XX/XX/XXXX. An email confirmation had been sent by Equifax with a confirmation number which confirmed I could verify my results. In fact this was false which led me to contact a customer service agent in the first place. 

Refusal of Equifax to send requested credit report by email or mail XX/XX/XXXX.
Consumer complaint received 2019-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I have had multiple issues with this company. Out of all the places I have had loans this place is the worst. I have also sent in 3 complaints via the website and have heard nothing back from them. I am tired of the being bully 's, yelling out my personal information in the office, and threatening me. They are bringing up my personal children in the matter. I called to get a payoff on XX/XX/2019. XXXX quoted me {$700.00}. I called back up there the following Friday, and my pay off was {$910.00}. My wife paid it, and didn't ask questions. We were just so glad to be away from this crooked company. Well they call last week about a return check. Now they are bullying me trying to get me to pay this when it took them over 2 weeks to get a notice. I shouldn't be responsible. Especially after i just gave them {$910.00}. They can settle without the $ XXXX.I have paid the more than what I borrowed. I want this taken care of and I want them to never call me again.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2019, I deposited a CASHIERS check ( certified funds ) into my account from my federal refund from XXXX XXXX XXXX. The funds were immediately placed on hold. I have been contacting Wells Fargo bank on several occasions trying to find out why and if they could release the funds. I was advised by them that the other bank could possibly debit the funds back. I contacted the other bank and was told that the funds was verified and cleared on XX/XX/XXXX. Ive contacted Wells Fargo bank on several occasions letting them know that they are holding the funds with no probable cause at this point and they still refuse to release the funds. I am a mother of three kids whom account is currently in the negative because I had made post dated check arrangements on my account, I have no money, they said that they wouldnt even void the check for me to have another reissued. The last representative I talked to in the executive office by the name of XXXX said that it could take 24-48 hours for me to speak with a supervisor and that is totally unethical and humane.
Consumer complaint received 2019-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I never know I have debt for XXXX XXXX in XX/XX/2014 for something I already done with XXXX XXXX in the pass why now they want to take money for me they send me in credit report when I try to call them they told me my name was writing wrong they have my same address they need to do better do try to steal people money bill for XX/XX/2014in never talk to me never send any bill Im just found in credit report chapter XXXX XXXX  some of them waypoint resource groupe. {$600.00} they said XX/XX/2014
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION (NJ)

My mortgage was sold to this company. I have late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. From the very first day, I have had issues with their mobile app. I have for the several months listed above had multiple issues adding a bank account and other issues. I have never had any late payments. I spend more time trying to add a new bank account and having payment returned because the system kept using my old bank information. I am completely frustrated and null to this company. I have asked them to sell my mortgage to another servicer and they have refused. I attempted a dispute to the credit bureau to no avail. I attempted to resolve the issue directly with this company and still no resolution.
Consumer complaint received 2020-01-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (SC)

I purchase a mobile home in XX/XX/XXXX still to this date owe over 40 thousand dollars on it spoke with Ditech on XX/XX/XXXX I was told I have 10 more years on the loan I have paid for this mobile home three times
Consumer complaint received 2019-03-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (NY)

I WAS NOT AWARE OF A LUMP SUM OF XXXX THAT I HAVE TO PAY AT THE END OF THE LOAN. i REFINANCED WITH FAY SERVICES, THEY LOWERED MY INTEREST RATE. I NOW CAN AFFORD THE MORTAGE BUT WHEN CHECKING ON MY REDIT REPORT I FOUND OUT THAT I OWE THIS XXXX. WHAT SHOULD WE DO? MY HUSBAND IS NOW RETIRED AN WE NEED TO SELL THE HOUSE RELOCATE, WE WOULD HAVE TO DO A SHORT SALE TO BE ABLE TO SELL THE HOUSE, OWING THIS XXXX IT WOULD HAVE TO BE SOLD AT MUCH HIGHER PRICE, THERE WOULD BE NO BUYERS WILLING TO PAY THIS. A SHORT SALE WILL DAMAGE OUR CREDIT, WE HAVE WORKED VERY HARD ON IT BEING OVER 750. IT SEEMS AS IF THE MEDIFICATION SO CALLED HELP IS A SCAM. THE SEEM TO HELP NOW BUY PAY LATER THE INTEREST THAT WAS REDUCED AND IN ONE PAYMENT. SHADY BUSINESS. PLEASE HELP US RESOLVE THIS ISSUE
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services (OR)

XX/XX/XXXX received email for autopay feature. Applied. 
XXXX XXXX log in to see if I owe, it says I will have my auto payment drawn XX/XX/XXXX. I log out. 
XX/XX/XXXX I apply for a credit card and XXXX in disbelief and panic when I see my credit score has gone down over XXXX points. 
XX/XX/XXXX I log into Ed financial and see auto pay has not been paying, but claims it is set up. 
XX/XX/XXXX I then make the payment right away manually. The website insists I have auto pay? 
XX/XX/XXXX I send an email requesting for assistance in fixing my credit score as well as confusion as to why auto pay doesnt work. I relay that I have never encountered an issue with auto pay in my life. 
XX/XX/XXXX I submit a complaint/ case XXXX.
Consumer complaint received 2020-01-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NH)

I had opened a new TD bank Beyond Checking and Preferred Savings account online under a promotional offer of {$500.00} ( {$300.00} for Checking and {$200.00} for Savings ) .The account was opened on XXXX XX/XX/2019 and I have fulfilled all the requirements to receive the bonus amount. As per their disclosures I should have received the bonus within 90 days of fulfilling the requirements. Its been way more than 120 days that but I have not received the money yet. 
I have spoken to the customer care and send them several emails but seems they are reluctant to pay the bonus.
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (PA)

everything started since XXXX of XXXX the lender sent me a reimbursement check of my account = prepaid credit which occupied for one year the check was XXXX dollars, at the time of sending it I had just moved to the city of XXXX and I communicated them to make the change and thus canceled that check, unfortunately the check was stolen and deposited by an unknown person, for 5 months I was under an investigation of this bank accusing me of having taken the check and I sent all the evidence they needed and letting know that never received it, at the time of making the chance of my address with an agent the bank system do not keep my address correctly as they explained to me and generated an erroneous address causing now to be a victim of identity theft, in XXXX of XXXX finally after 5 months they arrive at the end of their investigation and they determine that I do not change or receive that check and they make my refund and increase credit to XXXX dollars something that I found good but resulted in a nightmare because now they made a change to my last name which resulted in another research and request the person who communicated with me was a person in English that although I defend my English It is my native language and I demanded that I should send a specific document that could not be another that should be that or that otherwise closed my account to what I had to access and this is very traumatic for me since after having me for months without any response and now do this and I communicate with them for a solution and it's like he does not care this is my last option I hope your help
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

Here I am back again regarding my account from Synchrony Bank. Again as the previous complaints my account was closed due to returned ACH payment. I again had to get another letter from XXXX XXXX   because the return again was not an error that I did it again was on the banks side. I am no longer a customer with XXXX XXXX because they have caused so much havoc in my life. But, I again forwarded this letter to Synchrony and they have done nothing with the letter except for telling me that the account was closed because the account was over the limit and the NSF payment. My account would not have been over the limit if the bank would not have returned the payment. I have paid the {$130.00} so the account is not over the limit.
Consumer complaint received 2020-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC (CA)

On XX/XX/2020 an incident occurred with another individual that required car repair to the other vehicle. The damage was a result of the other individual, represented by XXXX XXXX, parking illegally and obstructing my driveway. 

The other person involved that had damage to his vehicle had it repaired by XXXX XXXX prior to relaying the damages and falsely reported I was responsible for the accident when I wasn't even the driver. 

XXXX XXXX referred this to XXXX which has mailed me two letters regarding this and with an outstanding amount providing an email where I can respond to disputes. On both occasions I did email XXXX   and advised them this was a false claim and any further communication with me should cease and the matter would need to be settled through court. 

I received no response or acknowledgement from XXXX of my email and then was contacted by an organization named Recovery Partners. This is not an outstanding debt since the other party involved has  committed fraud in reporting the incident as entirely not his fault. 

I have requested on three separate and distinct occasions to cease contacting me and directed them to legal proceedings since I do not owe anything when a car was illegal parked and I was not the driver. They need to stop harassing me and follow the legal process and not intimidate me and threaten to damage my credit.
Consumer complaint received 2019-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I contacted Transunion at XXXX XXXX on XX/XX/2019 and spoke with a representative and explaining sitowith dates and companies involved and their customer service would not care to help me and take care of the negative inquiries reporting on my credit report.
Consumer complaint received 2019-01-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent Transunion a request to remove a dismissed bankruptcy on my credit file o XX/XX/2018 and they signed for it on XX/XX/2018 which I have proof of them receiving and signing for. I then sent a follow up letter on XX/XX/2018 requesting that they remove it due to not responding in the allotted time frame of 30 days and they sent a letter explaining the investigation procedures on XX/XX/2018. They violated the law FCRA and must by law remove this item.
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc. (MI)

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XXXX, XX/XX/2018.