davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (WA)

On XX/XX/XXXX, at XXXX, I sent the following message below, but Target and their law firm have ignored me : Sir, I spoke to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( listen to the call attached ). He treated me so bad. He was rude and got sassy, likely because I chose to contact your office directly. He had selective hearing, and remarkably, once I spoke to his manager, XXXX XXXX, XXXX was able to hear me and help me just fine ( that day ). 

XXXX called me back on XX/XX/XXXX, I was so hopeful that I could finally put this behind me. Then he tried to tell me that I need to sign a stipulation to judgment before you will reduce the payment to {$1800.00} and allow me to make monthly payments over a 24 month period ( listen to the call attached ). These guys already filed a bogus case against me in the XXXX XXXX XXXX. As I stated below, they never, attempted to serve me, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I resided there I had a Ring camera and can prove that NO ONE CAME TO MY HOME on those days or any other days. They lied to the courts and have been jerking me around since XXXX, while causing me public humiliation with this bogus court case. How dare they now try to pull another fast one on me legally, by trying to get me to sign a stipulation for judgement or ignore me while keeping this case on my public record in the courts. 

Target ( through this law firm, has ignored me ), their Reps ( from other countries ) have deceived me and told me that my loan was still with Target internally and that if I paid them x dollars, it would bring the account current. Come to find out it had been turned over to this law firm who is now cheat and scamming me. 

I had told them that I dispute the debt amount and they sent me documents that never broke down the charges etc. They are scamming me. I offered a settlement to get this off of my record, still yet, they are stringing me along after agreeing to settle for {$1800.00}. Its been 2 weeks since the law firm contacted me.
Consumer complaint received 2019-04-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CA)

Good afternoon, I have had several issues with Navient last year in XXXX. It was a difficult year for me financially and tried numerous times to reduce my payment on my IDR plan. Several times I spoke to a representative they told me I had to fill out the repayment plan yearly paperwork and send in my W9 's or income verification. I told them I had reached out to the companies I had worked for multiple times and I never received any documentation proving what I made while employed. The whole year I was in a financial hardship and was out of work for more than 6 months ( no work, no income ). I had to take out my 401 ( k ) and all of the money out of my investment account just to survive. I expressed this multiple times via email as well as over the phone with a customer service rep., there scripted answer was to send in XXXX 's tax return but that year I made over {$50000.00} hence the reason in my IDR plan I was paying {$300.00} per month. I just finished my taxes and with both of those withdrawals and what I made by working in XXXX I made roughly {$18000.00}. Once I got into a financial hardship no one would help me out at Navient to restructure my payment plan. Ultimately just to survive in one of the richest counties in California I had to put a holt on paying my student loans. Now that we are in XXXX I went a whole year with a $ 300+ per month payment and was way below the poverty line. Alone the interest on these loans has wrecked havoc and they have accrued so much interest I now owe over {$40000.00}. I need some help here because they wouldn't help me and if you look at my record I have filed several complaints to the CFPB regarding this loan servicer - Navient. The service is horrible and when I told them what was going on and the financial issues in my life I didn't receive any service and nobody would work with me. The math on {$18000.00} for the year is a {$1500.00} per month, add in rent, utilities, food, transportation, insurance there was no feasible way for me to pay that amount monthly and every time I asked for help I would get the same response and turn in my XXXX tax return. This is mind blowing that a company can treat their customers the way I have been treated. On top of that they put me into a deferment plan without my consent. How is that legal? How can they do this to people and get away with it? Somebody at the CFPB PLEASE help me. I really need it!
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NV)

My Apple Credit Card was used unauthorizedly. I disputed the charges, and they were all denied. I have attached all evidence in this complaint. The information shows that the orders were shipped to a California address. From previous response, the Bank stated the Bank confirmed the billing and shipping addresses provided on the Customer 's evidence tie back to the Customer. Which is not true, I have attached evidences showing the shipping address does not tie back to me the customer. 

My physical and billing address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX The transactions in question were shipped to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California I have attached the information with this complaint again along with my Nevada Driver License with the sensitive information white out. I hope Apple Credit Card can review the information I provided and return the credit to my account and reinstate my credit card.
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (IA)

I received a statement in the mail for a Target XXXX XXXX, saying I have a line of credit with them with a limit of {$5000.00}. I never applied for this line of credit, and I almost never shop at Target. The statement also states I have a negative balance of {$190.00}, for a purchase made on XX/XX/2024. I did not make this purchase. I called the Card Services number on the statement and spoke with representatives about my dispute. They closed the account and marked it as fraud. They told me I need to fill out a survey and mail it to them with a copy of my ID. I also filed disputes with XXXX, XXXX, and XXXX. There was also a phone number I did not recognize on my report, and I filed a dispute on that as well.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (MO)

I had a credit card with Discover and my daughter also had a credit card. They said they had to '' hold '' my account based some of the things that were asked ( again they were asking me questions that you get when you already have a credit card ). I already answered those question. My daughter was struggling to pay her billl so I would sometime pay it but I explained that to them but they continued to '' queston me about my account. I know do not have an account with them.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (MA)

On XX/XX/XXXX the customer received an email solicitation from Discover Card with the subject line " Earn extra Cashback Bonus '' and an offer to " Just spend {$150.00} or more and redeem rewards with XXXX by XX/XX/XXXX ''. 

The main text of the offer reads : " Make your Cashback Bonus work for you this holiday season. Get an extra {$10.00} cash back when you redeem any amount of Discover rewards at checkout with XXXX. Purchase ( s ) must total at least {$150.00}, including the redemption amount. Offer expires XX/XX/XXXX. '' Additional terms begin with " Offer valid through XX/XX/XXXX. Earn {$10.00} Cashback Bonus when you spend {$150.00} or more using your Discover Card with XXXX and redeem any amount of Discover rewards at checkout. A redemption value of any amount over zero is valid. Purchase requirement can be reached in a single purchase or multiple purchases. No Activation required ... '' Pursuant to the offer, the customer made a purchase using XXXX with Transaction ID XXXX in the amount of XXXX USD. According to the Discover website and as printed on account statements provided to the customer by Discover, the purchase posted to the account on XXXX XX/XX/XXXX. 

Pursuant to the offer terms, the purchase was completed with payment split between the Discover card account ending in XXXX that was solicited for the offer and the Discover Cashback Rewards account associated with that credit card account. 

This is reflected in the purchase receipt ( excerpted below ) and the Cashback Rewards that were used to complete the purchase were deducted from the customer 's Discover rewards balance accordingly. 

Paid with Discover it ( XXXX XXXX XXXX XXXXXXXX ) You'll see " XXXX XXXX '' on your card statement. {$150.00} Discover Cashback Bonus XXXX {$0.00} On XXXX XX/XX/XXXX customer noticed that the rewards had not been posted to the Cashback Rewards account " within two billing periods of the end of the promotion '' per the terms of the promotion. 

Customer contacted Discover, first through the online chat interface provided on discover.com. The customer was connected with XXXX in Illinois who did not resolve the issue but directed the customer to contact Discover at XXXX. 

Upon contacting Discover immediately thereafter, customer described the issue to the customer service agent who informed the customer that they would need a few minutes to perform additional research. Customer was disconnected from Discover.
Consumer complaint received 2024-06-25
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: Paramount GR Holdings, LLC (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I made an XXXX transaction selling a XXXX XXXX XXXX, and was paid via XXXX ; I then deposited said money to what I believed to be my current bank. However it was instantly deposited to my Huntington Bank debit card that has not been functioning since XXXX. Huntington closed the account because of a {$35.00} overdraft fee. After the mistaken deposit, I attempted to withdraw the money back and was denied ; being told to resolve the issues with the bank. 


My query is how I was able to have money taken from me, but not being able to have it given back. I first attempted to contact XXXX in order to revert the process, only to be informed that they can not ; due to the transaction being confirmed accordingly on their end. 

So finally I repeatedly contacted Huntington XXXX XXXX, as well as a visit to my local branch, a meeting with the manage of said branch, and an HR personnel. Only to be told that they can not find my money. I then referenced the card number, and they found the money. They then referenced my {$35.00} overdraft fee, which i immediately said I would pay. They said they would not accept a cash payment and had to process it through their system, then after XXXX business days I would have a check in my mailbox. I just received XXXX more phone calls today, restating the initial statement they gave me, that they don't know where my money is, until i reference the card. Only to be they don't know how they could receive funds to a closed account. 

This repeated and near scripted response has me considering they may be actively participating in fraudulent activity. Especially after my repeated attempts through the proper channels, and waiting for the due process to be completed twice over. 

Huntington has all of our recorded in their user database, but were diligent enough to not send any emails with sensitive information. However I do have emails from XXXX XXXX. 

I sincerely require help in this issue.
Consumer complaint received 2024-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

To whom this may concern, Hope this finds you well and thank you for taking my inquiry. Unfortunately XXXX or XXXX made an error when reporting to Transworld Systems Inc. As highlighted in the attachements related to the vehicle rental, the rental record/account number is the same of # XXXX, however the vehicle I rented had plate number XXXX. 

In the correspondence by Transworld Systems Inc., the plate number is XXXX showing this a false debt or a debt belonging to someone else. Furthermore, the response from XXXX shows no toll transactions. 

Appreciate the assistance in resolving this matter and hope this provides clarification. 

Thank you and best regards
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MN)

Currently I have an account type with Wells Fargo that gives me interest on my checking account. They are discontinuing that account type, and I do not qualify for a new checking account that is also interest bearing. This change hurts me as a consumer ( admittedly not much, but the interest on my checking is something that they are taking away ).
Consumer complaint received 2024-06-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services (RI)

I was sent a letter by the debt collection agency on XX/XX/2024 as an attempt to collect the debt sent to the wrong name ( it is not my legal name ) for damages related to a rental vehicle to an amount of XXXX dollars. When I sent them an email asking for debt verification via email they provided on XX/XX/2024, they responded back to me with information related to the damages that the rental vehicle had after it was stolen right after I returned the vehicle. I sent them detailed proof on why I do not owe this debt on XX/XX/2024. Although I added a message that they can only contact me if they had proof that this was my debt otherwise to the original dispute, on XX/XX/2024, they sent me a mail with an offer to settle for 80 % of the debt owe. I am submitting this complaint because they are violating the no contact rule without proving me wrong in writing that this debt is somehow mine. I also tried to reach out to the original rental company regarding the internal communications error related to identifying me as the driver even though my rental agreement for the car terminated after my trip and it has been a radio silence from them thus far.
Consumer complaint received 2024-08-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NJ)

In XXXX, I took out a 10 year home equity loan for {$80000.00} from Wells Fargo. The final payment was meant to be due in XX/XX/XXXX, and they say I still owe {$66000.00}. I have never missed a payment on this loan, and I always pay on time. My account has been consistently charged " fees and other charges '', but does not have any information on what these fees are. I do not have access to statements older than XXXX, and when I request these statements online, in person, and by telephone, I never receive them. I have asked Wells Fargo on multiple occasions over the past 6 months to send me detailed copies of my monthly statements so I can further understand what I am being charged for. I have contacted several higher up employees, including XXXX XXXX from the Home Equity Executive Office at Wells Fargo. I have gone to my local Wells Fargo to speak to the manager, and he said I need to call them. When I call them, I can only leave voicemails and nobody calls me back. The only response I have gotten from my requests for the detailed copies of my monthly statements, was 10 years worth of my home insurance policies -- which has no information regarding what I need to know. I don't know who else to contact and I feel as though I am being taken advantage of by this corporation.
Consumer complaint received 2024-06-24
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a Pre-paid card and Bank of America put a late payment derogatory remark on my credit report. You can not have a late payment on a pre-paid card. What ever you put on the card is what your allowed to spend. You don't have to make a payment like a regular credit card because they did not extend any credit to me. It's what ever I put on the card, nothing extra.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Grow Credit Inc (FL)

On or around XX/XX/year>, I wrote a letter to GROW CREDIT, INC to request a copy of Form 1099-C for a charge-off account under my name due to hardship, and as of XX/XX/year>, I have not received any letters nor a 1099-C back from the lender, which the IRS classifies as taxable income for canceled debt ( charge-offs ). Knowing when a lender/creditor cancels a debt, they may issue a Form 1099-C, reporting the amount of the canceled debt as taxable income to the consumer.
Consumer complaint received 2024-06-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Transform Credit Inc. (CA)

My payment of {$250.00} is due on the XXXX of each month. The option to make an arrangement to pay in the future ( past the due date ), has been available, and I have taken advantage of that option a number of times since starting the loan. On XX/XX/year>, I made a payment arrangement to pay {$250.00} on XX/XX/year>. I received an email confirming the payment arrangement, along with the normal threats to take action legally, if the payment arrangement is not fulfilled. On XX/XX/year>, I received an email from the collections department for Transform Credit stating my account was past due and the failure to settle the outstanding balance would result in my loan being passed to their litigation team, who may prepare your case for court to recover the full balance from both you and your co-signer. I also received a letter in the mail, stating the same. When I reached out to the company, forwarded the original confirmation email for the payment arrangement and my own commentary that this is not the first time they have contacted me for a late payment when a payment arrangement had been made, I received a response email that stated : " Hello, please be advised that we do not have your short term arrangement on file. Please ensure the funds are available on the due date. If not, we will immediately collect from XXXX ( co-signer ) and if that is unsuccessful you both will be at risk of the full balance being due and litigation. '' I responded, yet again, with the ORIGINAL emails that were sent BY TRANSFORM confirming my payment arrangement. I also called the company to get things straightened out and to complain, but could only leave a voice message and have not received any call back from a human representative.
Consumer complaint received 2023-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also States a consumer reporting again y can not furnish a account and it hour my written instructions.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX, XXXX has reported an Employer I never worked for or have put that information on credit applications without verification of employment, Ive been XXXX for over 30 years. This has damaged my credit when it isnt true.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2024 my balance owed showed as {$1900.00} I paid that balance IN FULL to bring my credit card to a XXXX balance. On XX/XX/2024 I was charged interest in the amount of {$33.00}, which I believe is unfair trade practice due to the fact the reason I paid in full the balance that showed was owed as {$1900.00} was to avoid paying high interest charges! Six days later after I have a XXXX balance Im charged interest charges? That should have already reflected in my balance owed.