davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I submitted a payment through the credit card website. The credit card already had all my checking account and routing information saved, since I have made payments in the past with no issue. I bank with a large national bank and I know none of my account information has changed. My payment due date was XXXX/XXXX/2015 and I made my payment on XXXX/XXXX/2015. If I did not religiously check my checking account and see the payment was not posted, I would not have known that there was a problem. I contacted my financial institution ( not the credit card company ) and they stated they did not receive any debit requests on my account. So I know it was not my bank, but the credit card company that was having the issue. I did not receive any communication or notification that there was a problem with the payment. So not only was I not notified that there was a problem with the payment, but the credit card company charged me a fee for a returned payment. This credit is a Macy 's Credit Card issued by Department Stores National Bank. I submitted XXXX inquiries through their " preferred '' communication channel. The XXXX inquiry was submitted four days ago and I have received a response. The XXXX inquiry was submitted 24 hours ago, again no response. I feel that this is a deceptive and abusive practice on the part of Department Stores National Bank ( Macys ). This is blatant attempt to increase fee revenue on a customer that pays their bill in full and on time. I could understand if I entered the information incorrectly ; however, this is not my first time making the payment through their website debiting my checking account. All previous payments posted without an issue. And the lack of any communication/notification means they are trying the hide the fact that they made an error and charged the customer a fee. Typically, people will only check their account when the statement is generated. By then, most individuals are accepting of the fees and do not realize that they were also charged interest on the unpaid balance. This is Department Stores National Bank 's greed coming into play.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Pressler & Pressler, LLP (NJ)

I received a letter from my HR dept. at work saying that my wages are going to be garnished for {$2800.00}, and I immediately jumped back and panic set in. I never got any communications from any of these companies, or court!! I am upset on how this justice system works in this country and the advantage these huge companies have over their customers. I called Pressler & Pressler, and they could n't help me at all, because the judgement has been made already on me. This is ridiculous to on how they make a judgement without me even knowing of it, but yet they were quick to inform my employer to garnish my wages! I need help and resolve to this, because i do n't remember that account and it was from 2008, And God knows where they were sending the mail! If I need to take legal action I will, because this is against the law, and my rights as a citizen of the United States Of America!
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion will not update my XXXX XXXX and XXXX XXXX account to show XXXX XXXX  instead they will hang up and not fix the issue
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I have an international account at Citibank which I 'd have since XX/XX/XXXX. They have blocked the account so that I have no access to my funds, no way to write a check nor receive my social security and pension payments. The reason for the block is that I would not answer the questions below. When I told the account representative I felt they were too personal, I requested her to make the account a non-international account. She was going to check with her supervisor and get back to me. She did not get back to me, but blocked the accounts on XX/XX/XXXX with no notice not an email or phone call ; both checking and savings accounts. 

o I believe the questions being asked are unreasonable for a customer of 23 years which has not had an usual activity and who has had my salary directly deposited for the full time. There is a growing concern about identity thief. This level of detail is unnecessary for a savings and checking account. 
o I should have been notified by a phone call. This is a serious matter. Checks that have been written have been rejected. This is going to reflect on my credit score which I 've been very careful to maintain at a high level. 
o Social security requires three months ' notice for a change in direct deposit. I will miss these payments until XX/XX/XXXX. I am also missing my pension and annual company bonus as well. 
o I have spent endless hours trying to get to the right people to resolve this issue. I will be happy to supply all the information and who was contacted. A resolution of this is critical. 
The questions are below : In order to complete the account review, we need the below information for both signer : 1 ) Employer name, position, current total compensation including bonus, how long have been working with the company and what was the total compensation for the past 10 years 2 ) Cash balance in USA, Cash balance offshore ( if any ) 3 ) Any investment portfolio, if yes, is it in USA or offshore, what year was the investment started, what was the initial investment amount and current portfolio value, what was the average income for the past 10 years 4 ) Any real estate, it yes, please provide below information for each real estate : - Location, USA or offshore - Purchase year - Purchase price - Any mortgage when purchase? If yes, what was the mortgage - XX/XX/XXXX market value - XX/XX/XXXX remaining mortgage 5 ) Current ID copy, it could be a passport copy or driver license copy
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

Equifax is reporting XXXX collection agency 's have open collection these where paid in full and I claimed bankruptcy afterward they where paid. The other XXXX credit bureau 's have removed them a long time ago, but Equifax refused to report them correctly as paid in full and closed.
Consumer complaint received 2020-06-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

In 2017 my husband and I applied for a mortgage with Huntington Bank. At the time we had no children, and stated such on at least two areas of our loan application. We were contacted by the bank and told that we must submit in writing that we do not have any children via a statement. We believed there must have been a mistake and contacted the bank in regards to this. We were told that there must be something in our application that would give the lender the impression that we did have children. This was impossible neither of us had any children and therefore no child related expenses. In discussion with colleagues over the last several years none of them were required to submit formal statements related to children on top of what was stated in their applications. We are concerned that this decision was made because we were XXXX American applicants. We asked for clarification, but were told this statement would be required to proceed.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (FL)

In early XXXX my family had a health crisis so my credit utilization spiked. Twice in XXXX XXXX raised my credit limit and my home depot credit card raised it once because of the falling utilization ratios. In XXXX XXXX, XXXX I made a {$2000.00} payment to my Citi Simplicity card. Then a few weeks later I did a cash advance and on XXXX XXXX i made a {$500.00} payment. The card was below 50 % Utilization. Then on XXXX XXXX they sent me a notice that my debt levels are too high and for this they are cutting my limit in half to {$1700.00} which put my utilization at close to 100 %. By XXXX XXXX I had payed {$12000.00} dollars worth of debt back to my XXXX credit cards and a personal loan that was taken out. My credit score then was above XXXX. Now because of the cut in the card it is now in the high XXXX 's. As a result my auto insurance which is based off of credit went up {$100.00} despite having a perfect driving record. This also disqualifies me from purchasing a home as the minimum is XXXX credit score. The attached documentation shows that XXXX XXXX raised my limit and the other documents show why and when Citi lowered my limit. I do not understand why XXXX credit card will raise my limit twice in one year but XXXX will cut it after I pay it down to 50 %. They have to know that this hurts your credit rating. Thank you.
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

I had a credit card account with Citibank and got closed due to no transaction. I moved out of XXXX during the Citibank shutdown their service in Texas and hence i could n't keep my credit account active as it is only linked with my citi checking account. Now when i returned, i noticed that my credit score is not available and when i checked with XXXX, i came to know that my credit card account details were not reported to credit unions till date. This resulted in loss of business deals and other purchase offers. Please do the necessary to revert back my status and compensate for my loss and sufferings.
Consumer complaint received 2015-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AL)

I have XXXX accounts opened between XX/XX/XXXX- XX/XX/XXXX for the US Department of Education XXXX I have disputed the reporting due to the account was consolidated in XX/XX/XXXX. The account is showing a collection status for XX/XX/XXXX and XX/XX/XXXX. This incorrect reporting has damaged my report. I spoke with the Dept of Education and they have denied the reporting of a collection in XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (DC)

I recieved a call from Barclays today about a rebill on a card which has been closed since XX/XX/XXXX. I am unclear on why this rebill has been allowed and on why I am unable to dispute it. I was told that past phone calls have not been returned because an employee was on vacation. I was also told that Barclays lost ( at least XXXX ) dispute letter which I sent in. 
I also asked for clarification on XXXX more disputed charges. One involved XXXX XXXX. One involved a XXXX XXXX XXXX. Barclays refused to provide me with information on these disputes, to explain where they are in the process of disputing them, or to credit my account. 
Finally, I asked for access to all phone calls, or transcripts thereof, that Barclays claims I had with them. Barclays claims that I approved a rebill. I do not recall doing this. They also have, in the past, lost materials related to the XXXX above disputes. Both of the above disputes ( XXXX XXXX and XXXX XXXX ) were initially called in within 60 days of services not being rendered. Barclays seems to have unclear records on this matter. 
Fighting this unfair charge has become a great burden of time and mental stress. I would ask that Barclays clarify that my account is completely closed, that I have no balance, and that they will refund to me the disputed amounts from XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

Equifax continues to report inaccurate information regarding XXXX XXXX XXXX XXXX XXXX XXXX Accounts with the account number beginning with # XXXX. XXXX on behalf of XXXX XXXX issued a letter stating that the status of the loans are inaccurate and were directing the credit agencies to remove the negative information from my files.
Consumer complaint received 2016-07-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (CO)

Conn 's electronic sold me XXXX Beats Solo Pro under their warranty XXXX set was purchase in XXXX 2015 has stopped working and the XXXX pair was purchased for myself. Now they sent us to the XXXX store and we can not get them replaced because XXXX store told us they sold the beats by XXXX headphones out of warranty to me the consumer. My payment is two days behind they are calling me and harassing me about XXXX payment and i have been passed from XXXX rep to the next and in the XXXX store as well they are threatening me that i will lose my one year no interest payment i am a XXXX veteran with too many health issues for Conn 's to do me like this i make my payments but when there is a problem like this no one wants to abide by their rules and replace XXXX sets of headphones.
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Equifax had deleted XXXX a long time ago and now it is back on my Credit Report. I have requested them to delete this from my Credit Report because according to Fair Debt Credit Practice Act, Statue of Limitation in N.C. to collect a debt for an open account in the State of N.C. is 3 years and these accounts are over 3 years old. I also requested them to delete XXXX as pertaining to the Fair Debt Credit Practice Act, because this is over 5 years old. XXXX. all 4 accounts in which 3 have been paid and these should be removed from Credit Report because I have a payment arrangement with XXXX which XXXX did not report. I have also requested them to delete University XXXX pertaining to the Fair Debt Credit Practice Act, this is over 4 years old. Thank you in advance for your help with these matters.
Consumer complaint received 2015-12-01
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

Today XX/XX/2015, I hired the services of Moneygram 's 10 minute money transfer, in order to send much needed {$200.00} to my father in XXXX XXXX, XXXX, XXXX XXXX, as he presented himself with all the required information and documentation in XXXX different Moneygram locations in his town of residence, XXXX of them simply failed to disperse the funds claiming that they did n't have enough cash to cover the {$200.00} and the third location being a XXXX XXXX XXXX refused to disperse the funds claiming that he would be required to hold an account with the bank in order to pickup the money. All XXXX previously mentioned situations have violated the contract in which I entered with Moneygram upon accepting the terms of service and subsequently using the service. After all the previously mentioned I called Moeygram customer service and they told me that they could not refund the funds to me since more than 30 minutes had gone by since the time of the transaction, and that the funds already where in XXXX XXXX, where they refused to give them to my father. After all this my father who was in dire need of this funds and does not own a car had to spend more than {$20.00} in a cab to go to another town to find a moneygram location that would give him what was his money. After the fact i contacted Moneygram by phone which after making me jump through several loops finally connected me to a supervisor, who refused to identify himself other than with his first name, and also refused to refund me with the service fees of {$9.00} that where charged to me which did n't even cover the expenses that my that had to incur in order to go to another town to pickup the funds. I find Moneygram to make false promises, not comply with the terms of their own contract, and to offer a deceptive service with horrible customer service. In my opinion Moneygram gets away with deception like this and then tell you " too bad '' because is a service used mostly by XXXX to send money to their families, which after there is a problem have the tendency to not file a complain, in order to keep a low profile which allows a company like such to violate the financial rights of XXXX people everyday.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Mercedes Benz Financial Services (IL)

Mercedes Benz Financial Services did not place the credit/debt on my credit report as a co-signer when account was opened XX/XX/XXXX16 and paid off on XXXX/XXXX/16. They finanlly did put it on my credit and it is still incorrect after 11months of me complaining to various agencies and the IL attorney General is currently involved XXXX & XXXX on XXXX XXXX, 2016. From MBFS actions deprived me of building my credit as well as violating various FACTACT and fair lending policies. MBFS stated in a letter dated XXXX XXXX, 2016 that they are not legally obligated to report on me a co-signer and it was a business decision NOT TO place this on my credit but did in XXXX 2016. All this time of NOT putting it on me. This financed instution from day one for that personal decision in which they mention done unfair and deceptive business practices to me and the Primary ( Master Sergeant, XXXX XXXX ) on this Paid in Full account with them. To this day the information is still incorrect where they inflicted harm and well as negative and financial loss that we both endured. They need to be trying to settle with us for their wrongful and discriminatory actions. They on MSG. XXXX have unknown for XXXX and have incorrect dates and dollar amount. And for me co-signer they did not report XXXX, XXXX payments that was paid on time and for XXXX they have the same thing on me an X for unknown where they did NOT call in at all and report these payments. And after asking for XXXX extentions by their attorney is when their attorney convinced them to correct my credit report and then mishandled and abused my financial and personal information to IL Attorney General by NOT covering my social or crossing out so that my entire social is n't revealed to all who handles that case. and that was done intentionally as well. attachment XXXX is MSG. XXXX report. We have asked them over 5 times to correct our credit reports and they caused us to be financed at a high interest rate after paying them off because they did n't correct nor provide the accurate information throughout paying them with this account is the harm and financial loss that they provided to us. Where this new finance company got a old glimsp and negative review and rating from them by not reflect the TRUE picture harmed us tremendously. In addition to them not reporting on us being retalitory cause both of our credit scores to drop from XXXX. This is n't right! Mercedes Benz Financial Services knew from the very beginning that I the co-signer would be the XXXX paying all these car payments.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, XXXX and Equifax will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call Equifax and XXXX but I need to buy I credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (FL)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (AR)

I am receiving emails stating that now I am having to start paying on my students loans. I am currently in forebearance with another lender and can not start making payments XX/XX/XXXX. I am on a fixed income and this is something that can not fit into my budget at this time. This is stressful and I am very unhappy about this since I have sent all of the information they have requested. Along with the payments being requested before I thought it would be the amount is outrageous.
Consumer complaint received 2016-03-17
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Select Management Resources, LLC (TX)

Ok I had taken out a Title loan for my paid off vehicle, However back on XXXX 2015 I had needed extension for a week, A gentlemen by the name of XXXX told me I could n't get an extension but I qualify to get an additional {$500.00}, IF I bring them {$340.00}, and he sold me on the Idea, when I get my taxes just paid it off. ( But I have n't receive taxes yet ) SO I took the additional {$500.00}, which was only {$160.00} difference. Now I am stuck paying {$410.00} a month just on interest alone. 
Now I ASKED FOR AND EXTENSION FOR FEBURARY AND THEY HAD GAVE ME 30 DAYS. 
I feel like if he would allowed me to get the extension in XX/XX/XXXX I WOULDNT BE IN THIS MESS, I AM SPENDING MY WHEELS JUST PAYING ON THE HIGH INTEREST RATE ... ... ..IN XX/XX/XXXX MY LOAN WAS DOWN TO {$800.00} NOW ITS {$2100.00} WITH {$410.00} INTEREST RATE ...