davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (WI)

My credit card issuer, Citi Visa, assessed my account with a late payment fee of {$27.00} on XX/XX/XXXX that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff 1 day prior due date of about the issue they informed me that they were not able to provide an alternative and advised me to contact the Citi Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

On XX/XX/XXXX I contacted Citi Customer Service via their online Chat Service and spoke with an agent who informed me that they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff and prior chat session representative. I attempted to escalate the issue by requesting to have a supervisor contact me to provide my chat session notes and the my account of all that occurred but the representative insisted they would not reverse the fee.
Consumer complaint received 2024-09-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (CT)

I bought the car and got the loan in XX/XX/year>. Since then I have been trying to get access to my online loan account to manage the loan. For over a year I am getting runaround from Audi Financial and no fix to access and manage my loan online.
Consumer complaint received 2016-05-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I have VA XXXX direct deposited at my chase account. These derelicts in their levy dept. are NOT competent lawyers incompetent with all state and federal laws involved. These derelicts are required to protect my federal benefits from harassment, malice intent, any ambiguity abuse or riddles are inconsistent with federal laws and treasury dept. regulations. XX/XX/XXXX federal XXXX veterans act. XXXX no county welfare XXXX can preempt federal laws to ambiguous minnesota state laws. Prime example, minnesota law on garnishments exempts veterans benefits. IMAGINE THAT?! # These derelict idiotic desk clerks paid to lie cheat, manipulate minnesota law at any cost to collect phony is irrefutable!!!!! I have been dealing with these XXXX since XX/XX/XXXX, Their clumsy abuse and deceit was thrown out by THE Minnesota state court of appeals XX/XX/XXXX MY APPEAL!!!!!!! I NEVER OWED ANY PHONY {$8000.00} IN ARREARAGES FOR ANY CHILD SUPPORT. DOES N'T EXIST, MY KIDS ARE GROWN, ALL CHILD SUPPORT PAYMENTS ARE [ PAID-OFF ]. This court ordered agreement I am in now is to pay back my ex-wifes welfare which is a SPECIOUS JUDGEMENT PROCURED BY FRAUD, RECKLESS ABUSE OF AUTHORITY BY A CONTRACTED WELFARE JUDGE XX/XX/XXXX. Rule 54 mn civil procedure violated blundered with obscurity, vague and unconstitutional. Regardless my poverty VA compensation at {$910.00} barely survivable, barely pay my rent of {$700.00} plus gas and electric. Chase is mandated to protect this NOT get stupid make excuses. NOBODY competent handling this!!!!!! OBVIOUSLY protected benefits, NOT open for incompetent interpretations AMBIGUITY RIDDLES!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

Someone took out a fraudulent student loan in my name with XXXX XXXX University through Navient and both XXXX XXXX University and Navient have refused to help me, even though I submitted police report and fraud affidavit.
Consumer complaint received 2015-08-28
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over XXXX years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing XXXX XXXX XXXX, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.
Consumer complaint received 2023-04-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX XXXX, already under court order by the CFPB, is still contacting me regarding a debt that has not yet come out of deferment, and/ or is contacting me about a debt I do not owe and was never given a notice of my right to dispute. 
The loan ( which they are calling me about, illegally, in harassing phone calls ) in question never discharged in time and never covered all my late charges billed to me by the XXXX XXXX with less than 2 weeks left in my XXXX XXXX term. I had assumed by that time,, as any normal person would,, that my terms enrollment had been cancelled ( I was not enrolled with less than 2 weeks left in the quarter! And have records of this ) so I left the area to save myself rent charges ( again, with rental records to show this ). 
Only the terms late charges, ( not including tuition charges, which did not show up in my account until after I had left the area and traveled XXXX hours away by car ) were filed as a lost claim by the XXXX XXXX XXXX XXXX, in XXXX XXXX XXXX XXXX of last year ( I am listed as a dependent in the case already settled out of court last XXXX ) I opted out of the settlement as I felt the terms were not satisfactory to cover my losses So XXXX XXXX should not even be involved in collections efforts regarding this terms ' loan
Consumer complaint received 2016-10-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MO)

I graduated in XXXX, right as the economy started its fast spiral down. I have not been able to get a job in my profession, and have been working jobs that pay less than {$5.00} over min wage to support myself. In XXXX, I was diagnosed with a XXXX ( which is covered under the ADA ). Since then, my out of pocket medical has increased exponentially over the last ten years. With the passing of " Obama Care '' I have also had to purchase my own health insurance ( the XXXX level plan my employer offers does not meet my needs ). 
Since XXXX, my medial expenses have been more than XXXX of my net income. It has been an issue paying back my loan due to the extensive medical costs i have encountered ( XXXX ). 
I have attempted to return to class, in order to maybe gain a new profession. In XXXX I was in class, but had to drop due to lack of transpiration ; but I was seeking an XXXX degree. I started having sever issues with XXXX, and XXXX ; due to XXXX resulting from my XXXX. In XXXX I returned again, I dropped XXXX class due to not being able to XXXX. The last time I was in class was XXXX, and I was not able to complete the term due to having a XXXX. In early XXXX, my doctor and I were evaluating options to keep me from starting XXXX and preparing for XXXX, due to my XXXX. 
I have taken multiple deferments. It comes down to either I pay for medical or I pay for my loan. During my conversations with the standard reps ( people who answer while calling ), a few supervisors, and mid managers ; the general message they have conveyed is that they do n't care, I need to pay them. So my option is pay them, or die. 
I have filed multiple XXXX complaints against my loan company. They have provided false information to the XXXX and me through the XXXX. They have also violated mediation terms through the XXXX. They have been involved in harassment through the mail and by phone. 
I would like a review of their business practices, as well as a possible violation of my rights under the ADA.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2016-05-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MI)

My name is XXXX XXXX and I have been a client of Suntrust Mortgage for 5 years. 
Within these years every 3-4 months I encounter problems with Suntrust. There is an ongoing issue with up front transparency as to what is need by me. One of the issues now is i 'm short in escrow and the payment is going up an additional ( {$200.00} ). Currently my budget can not sustain this waive of unforeseen changes. 
I did a loan modification 4 years ago so why does my payment continue to go up back and forth. 
I am frustrated to the point of walking out of this home and letting them have it. Any advice you can assist me with will help. 
Suntrust Mortgage loan Number : XXXX XXXX XXXX, Home preservation counselor Phone number : XXXX
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NJ)

I have a PNC Personal Bank Account for a long time under the username : XXXX. Then I recently opened a PNC Business Credit Card under XXXX XXXX XXXX XXXXXXXX XXXX under the username XXXX. 

I filled out and signed a form at PNC Bank at XXXX XXXX XXXX, XXXX, NJ XXXX to basically merge my online account between XXXX and XXXX but that has never been done for over months. I am unable to make any payments to my credit card, neither it is allowing me add PNC Bank Account to make Business Credit Card payment nor any external bank accounts, neither the customer service is doing anything Name : XXXX XXXX was the banker and none are helping me either to merge both the accounts under same platform nor I am able to making payments on time because there system is glitched and it keeps on charging me fees and send out warning letters to close my accounts.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (OH)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding the unfair and potentially unlawful practices of the credit reporting bureau, XXXX. For several months now, I have been battling with XXXX to remove collections from my credit report that I did not open, was never informed about, and have no knowledge of. Despite disputing these accounts multiple times, XXXX has been unwilling to remove these erroneous collections, even though I have successfully resolved the issue with the other major credit reporting agencies. 

The disputed accounts are as follows : 1. XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$970.00} - Balance Updated : XX/XX/2024 2. XXXX XXXX XXXX - Original Creditor : XXXX  XXXX XXXX  XXXX XXXX 
- Balance : {$780.00} - Balance Updated : XX/XX/2024 3. XXXX XXXX XXXX - Original Creditor : XXXX  XXXX XXXX. 
- Balance : {$740.00} - Balance Updated : XX/XX/2024 These accounts were added to my credit report without any prior notification or knowledge on my part. I have disputed these collections numerous times since being made aware of them, yet XXXX has refused to act in accordance with my rights as a consumer. I am deeply concerned that these debts, which I never incurred, continue to tarnish my credit score and financial standing due to XXXX negligence or unwillingness to take the necessary corrective actions. 

To make matters worse, I have successfully managed to have these erroneous accounts removed from my credit reports with XXXX and XXXX. This has significantly improved my credit score with these agencies, yet XXXX remains unresponsive to my valid disputes. It has become evident to me that XXXX does not have the best interest of consumers in mind, but rather appears to cater to third-party debt buyers and collection agencies that prey on consumers with unknown or disputed debt. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold XXXX accountable for its refusal to act in compliance with the law. Consumers like myself should not be forced to endure the damaging effects of inaccurate credit reporting, particularly when the information in question has been repeatedly disputed and is demonstrably false. 

Thank you for your attention to this serious issue. I trust that your agency will take the necessary steps to ensure that XXXX is held to the same standard of accountability as other credit reporting bureaus.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGL Associates, Inc. (GA)

RGL Associates has accepted a debt collection from the XXXX XXXX POOL SERVICE OPERATOR named XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has a record of credit card fraud, refusing to perform on their written contracts, billing and invoicing fraud and intimidation tactics if you should not accept nor pay their fraudulent invoices. They refuse to make any effort to discuss or resolve conflicts or disputes. RGL Associates is now trying to collect on a debt that I do not owe.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I disputed a fraudulent account with Experian a few months ago because someone open an account with XXXX that I did't authorize. The account was investigated and proven to be fraud and it was removed. However, XXXX sold this account to XXXX XXXX XXXX which reported late payments on my credit report. They have never contacted me or sent out a letter. When I spoke with a representative NO ONE knew that this account was FLAGGED fraudulent but told me it could only be removed if i paid the balance due or make a payment arrangement.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I called customer service of my AT & T Universal Card, administrated by Citibank, because of late charge that was assessed on my account. I mailed my full payment of about {$78.00} a week in advance but because, I suppose, of XX/XX/XXXX holiday, it was processed the next day after due date. I was assessed a {$25.00} late fee and an interest on that {$78.00} balance. 

Yesterday, when I called I was placed on hold for about an hour or so, and then I gave up. 

Today, all their listed numbers for my credit card has a broken automated system that eveybody has to go through before being connected to a human. I tried them several time and they all promptly switched me to Spanish, that I do n't understand, and they hanged up. When I tried the general number listed for Citibank cards services, they made me listen for about five minutes of their irritating advertisements and then transfered me to a subscription line for a service I did n't want from which I could not back out. 

This was not the first time I had this kind of problem with Citibank. 

Altogether, I wasted over an hour without having a chance tomdispute my problem with someone.
Consumer complaint received 2015-06-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (MA)

When I applied for Sallie Mae private loans I was assured over and over by their phone workers that I could make changes on my payments depending upon my finances. I currently pay {$750.00} a month to Sallie Mae and have been unsuccessful in getting them to change that. I made an official complaint through the CFPB about this and received a call from Sallie Mae offering to " work with me '' on my rate. They told me they were unable to change anything on my account because my cosigner and myself combined make enough income to pay my monthly fees. I am submitting a complaint because this was clearly far from transparent during the application process. Again, they assured me, based upon MY finances, not my cosigner 's, that I could make alterations in my payments. I was unable to make payments for XXXX months last year, and rather than put them on my cosigner, I was forced to go into forbearance, which ultimately led to an even higher monthly payment. 

My XXXX complaint is that my interest level is absurd, even having excellent credit. Half of my repayment is interest, and this, I feel, is exploitative. Sallie Mae can not carry on like this. I make regular on-time payments, and I demand a lower interest level.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (TX)

I submitted multiple disputes on a collection account that is reporting multiple innacuracies on my report account is showing a past due balance this account is in collections and from what I read a collection can not have a past due balance as a collection is past due by default please delete this from my credit report for failure to accurately list this item.
Consumer complaint received 2016-03-22
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (MD)

A couple of months ago I thought I paid my Macy 's card in full. Then a couple months later, I looked at my statement and it had several {$2.00} charges. Macy 's charged me interest on an account that was paid in full and because there was a balance, an automatic {$2.00} charge was given. It was something new they had just started and as a courtesy, removed all of the charges off my account and reported to the credit bureau that I was in fact not late on any credit card payments. Things took a different turn when Macy 's ( credit services ) reduced my credit limited from approximately {$3000.00} to a mere {$100.00}. I have been a card holder with Macy 's for 10 years, it was my first ever credit card. I had never been late. The reduction in credit limit caused my credit score to go down XXXX points!! I am attempting to purchase a home and because of Macy 's credit, I could be negatively impacted in my rate. I spoke with someone at Macy 's credit and they refused to increase my limit and even spoke to someone in management.
Consumer complaint received 2015-09-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

Macy 's took down their website without prior notice, when I went in to pay the credit card bill there was no way to make a timely credit card payment as the website was down. They provided an XXXX number to pay the bill but that number was cut off before the website was actually back up. Macy promised to have the site up XXXX but it did come back up again until mid XXXX. They then applied a {$25.00} late fee to the account. How can they charge a late fee when they removed my ability to make a timely payment.
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

My mother put me as a joint credit card applicant on a XXXX XXXX XXXX credit card back in 2002 when I graduated XXXX. She did this without my knowledge or consent ( I believe her reasoning was to help me with my credit ), but she has since been imprisoned for criminal activities and has been unable to make payments on a card that I did n't even know existed until recent years. Now, this item is showing up as a negative item on my credit history and is impeding my ability to buy a home. I submitted this dispute XXXX and they had the item removed from my credit history. I have disputed this twice with Experian, however, and they will not remove this item from my credit. I called Experian ( another complaint I have is the difficulty in finding a live phone number to talk to someone ) and they advised that I speak with XXXX XXXX XXXX XXXX which I did, and they advised me that I needed to speak to Experian XXXX and that there was nothing they could do.