davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (GA)

I applied for a line of credit through the Grain XXXX. The initial process was fine, I was approved for {$1000.00} credit. I successfully made payments on time, as they were automated from the origination of the account. I did run into an issue where a couple months were not reported to the credit bureau ( XXXX ) and I was able to dispute this through XXXX and have it resolved. In XX/XX/2022, Grain implemented a new identity verification process that requires users to submit several documents ( ID, etc ) for identity verification in order to continue using the app. In the meantime, without having access to ANY of my account information - Grain still collected payments as before. I submitted verification documents which was supposed to take 5-7 days to verify, which is understandable. After over a week of my account being in " Pending verification '' status, I contacted customer support via email to report that I am still unable to access my account. This means I can not make any changes to the account from which my payments are auto-drafted and I can not access any funds available in the line of credit, while still making a regular monthly payment. I have tried several times since XXXX to contact customer support, but they are unreachable by phone and by email, they only send an automated response stating that someone will reach out, and they never do. I have a record of emails sent requesting assistance. Further reviews stating similar experiences can be found on the XXXX XXXX store for the Grain XXXX. I am at a loss because I need to close the account that is making payments, which will result in an impact to my credit score if I can not continue making payments to this account.
Consumer complaint received 2023-10-10
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (HI)

I am so disgusted by this! 
I tried to pay my bill multiple times by logging in on the due date and by XXXX XXXX XXXX on the due date after I finally got into my account I was forced by their system to submit payment on the XXXX even though it is barely in the evening here on the XXXX! 
Because they don't take into account time zones and punish you for being several time zones away in the Pacific they are summarily requesting payment a day earlier. 
Even though I made my card payment on the XXXX and tried unsuccessfully to do so earlier I was charged a late fee of {$30.00} when I clearly and absolutely wasn't late and payment was submitted on the XXXX!
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Machol & Johannes, LLC (WA)

My daughter of over 18 years rented and apartment without my consent and I do not even know where she lived and defaulted. The rental and collection agency have put the default on my record. 
XXXX. My social security number, dob and address are different from my daughter, why would they even think about putting it out on my file without even calling me. I dispute this
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MN)

On Friday, XX/XX/XXXX, I contacted Edfinancial after receiving news about student loan refunds for any payments made after XX/XX/XXXX, during the payment pause. I went ahead and asked them to refund the amount paid, but was taken aback at the processing time of at least 6 months, possibly 7-8 months. Several of my friends that have different student loan providers are seeing processing times of 3-4 WEEKS, give or take a few weeks, but nowhere near as long as a minimum of 6 MONTHS. I was a Pell Grant recipient and am therefore eligible for up to $ XXXX in forgiveness. During the payment pause, I made $ XXXX in payments. 

It seems as though EdFinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, and XXXX  are only quoting 3-4 weeks for turnaround, and those that have these providers are already seeing their loans reinstated on their account. What worries me is that the application to apply for student loan forgiveness opens in XXXX and EdFinancial won't be processing any of these requests in time to receive forgiveness. I'm expecting my refund to be received AND processed by XX/XX/XXXX at the earliest, possibly further out until XXXX or XX/XX/XXXX - well beyond the loan forgiveness application deadline. EdFinancial stated that our loan balances won't be reinstated UNTIL the refund is processed, which in my case, won't be until XXXX, XXXX, or even XX/XX/XXXX. Interest rates and payments will resume again in XX/XX/XXXX, and if my balance isn't reinstated by then, I'll be stuck paying interest on loans previously paid off for several months. 

EdFinancial told me over the phone that they can not send out confirmation emails or anything and the only way I can verify if my request has been processed is by calling back in a month or so. I've heard from some friends and family that they called to request a refund, and when they called back to check on the status, the refunds haven't even been added to the system! I realize with the large call volume that requests will take a while, but it's very concerning to me that the minimum wait time is 6 months, when some providers are reinstating balances and issuing refunds within 6 WEEKS. I've also learned that EdFinancial is still processing over 2,000 requests made since XX/XX/XXXX, and I fear that I will not be getting my loan reinstated/refund back in time for forgiveness due to the seemingly very slow processing times with EdFinancial. Getting that money back would be life changing for me and millions of other Americans. So seeing how other loan providers are able to process payments within just several days/weeks makes me very concerned that EdFinancial does not have our best interests at heart.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I realized that my Wells Fargo debit card was missing. Upon checking my Wells Fargo accounts I noticed several unauthorized transactions on my both my checking and savings account that were made using my debit card. I called Wells Fargo immediately to report my lost debit card and report the unauthorized transactions which totalled {$5800.00}. They canceled my missing debit card, issued a new debit card and filed my dispute claim for the unauthorized transactions. On XX/XX/XXXX I received a call from a Wells Fargo claims investigator who told me that since my PIN was used with the debit card to make the disputed transactions they considered the transactions to be made by me or authorized by me. When I asked to appeal the decision because I did not make nor authorize any of the disputed transactions I was told the decision was final and I could not appeal it. A few days later I received a letter from Wells Fargo stating that my claim was denied because they considered the transactions to be authorized since they were made using the debit card with the PIN.
Consumer complaint received 2022-09-02
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Back in 2017 my wallet was stolen, Ive had MULTIPLE accounts opened in my name over the past 5 years. Ive been tying to resolve this for a while now. Everytime I dispute these accounts, they keep coming back as verified because all of my correct information was used from my wallet.
Consumer complaint received 2019-02-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

I had an investment property in florida that I sold last XXXX, 2018 in a short sale. The original loan had PMI on it and the shortage to the bank was paid from the proceeds of the PMI policy on XX/XX/XXXX of 2018. In short, the bank, Fifth Third Bank, was made whole and suffered no loss. 5/3rd sent me a year end statement that verifies the same. Two weeks after I received the year end statement, 5/3rd then sent a 1099C showing a discharged debt. This 1099C should never have been created as there was no loss to the bank and the PMI made the bank whole. Ive spent hours on the phone repeating the same information over and over again and while they've acknowledged they made a mistake, they have not corrected it and I can not file my taxes until they do. They need to cancel out the erroneous 1099C 's issued to both my wife and myself and provide me with proof of the same.
Consumer complaint received 2024-03-28
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NJ)

Hello I have encountered a worrying transition on my AMEX prepaid gift card. 

I tried to purchase a XXXX XXXX XXXX on XXXX XXXX shop for around XXXX XXXX the card got declined. I attempted to make the purchase on either XX/XX/24 or XX/XX/24. 

I believe there was a fraudulent purchase on my card from XXXX XXXX, CA. It was only {$0.00} but I am worried someone fraudulently got access to my card. The fraudulent purchase was on XX/XX/24, at XXXXXXXX XXXX, the card details from AMEX says that it was made at XXXX XXXX or XXXXXXXX XXXX. I am almost certain this was a fraudulent transaction because I live in New Jersey not California. I believe that the info was obtained through the XXXX XXXX shop transaction as the dates for the fraudulent transaction were very close together. The reason why I think that the info was obtained through there is because XXXX XXXX XXXX XXXX has gotten many concerns on safety issues and privacy issues. 

Thank You.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (PA)

Open a XXXX  card back in XX/XX/XXXX. Paid all monthly payments due. In XX/XX/XXXX our payment which the bank sends out was sent 6 days ahead of scheduled, and they put a late charge on account saying they never recieved our payment. When the bank posted the cash check it show that someone wrote an account number on the front of check where the amount of check is written out and was cashed by citibank. I is NOT our account number, this account is a Sears account number and not ours. When we spoke to XXXX  ( citibank ) they refuse to listen and say we must send payment to bring up our account up to current date. We call numerous times got no help, and they keep putting on late fees. XXXX of XXXX, they put a late fee, I called, told them this was there fault, they removed it, kept calling them to see if they put our XXXX on our account which they did not. XX/XX/XXXX they took off the late fee, and said give them time. On the XXXX of XXXX another late fee, and now its the banks fault and we must pay up. As of today, I once again gave them the account number that they put the XXXX on which is on the check and told them it is not ours which they have nothing to show for.
Consumer complaint received 2019-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (CT)

On XX/XX/2018, I did a balance transfer to my XXXX 's perks card in the amount of {$1400.00}. On XX/XX/18 I paid {$200.00}, XX/XX/18 I paid {$49.00}. The {$49.00} was to go towards my bill and the {$200.00} to the bal. transfer. I called and spoke with a rep who said she would do this as only {$15.00} was showing applied to the bal. transfer. XX/XX/18 I paid another {$200.00} and called to have them allocate {$100.00} to the bal. transfer. I also sent an email through the website for the credit card to advise that my current bill is still only showing {$15.00} applied to the bal. transfer. When I called I mentioned this too and she said it was getting done. I made another payment of {$300.00} om XX/XX/18, calling 2 days later to move {$200.00} of this over. I explained I had a concern as this was my XXXX call to reallocate funds towards my bal. transfer and I should have {$500.00} towards it and the bill was reflecting {$100.00} and a change to my original purchase date. The guy said he would fix it and I would see it on my activity as moved online. I said I had heard this several times before and he said he was fixing it. XXXX XXXX I made another payment of {$200.00} and again called to get {$100.00} reallocated. I spoke with the woman for a while and she assured me she has a financial background and is one of he best reps they have there and she knew exactly what needed to be done, she would make sure all {$600.00} was reallocated to apply to my bal. transfer amount. I continued to email the person for help as well documenting each time I called. My current bill just came out and guess what, it shows {$380.00} applied to my bal. transfer and the original amount transferred has now changed to {$1200.00}. I do NOT have time to call every month to try to fix this and get aggravated. I have a XXXX  at home and this bal. transfer was supposed to make my life easier but has added hours of work to my life. Please help me.
Consumer complaint received 2024-03-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

I received an Amex Prepaid Gift Card. I have tried to use it for XXXX. I linked it to my XXXX XXXX. Every single transaction is being denied. I know that the card is active. I was also aware of my balance. What I was trying to purchase was below the balance available. I called customer service, and they wouldn't help whatsoever.
Consumer complaint received 2022-09-02
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. (IL)

I am a natural person, I am a living human being, I have rights under XXXX5 USC 1681.

Equifax is govern by 15 USC 1681. Ad they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (CO)

1 ). TIAA used incorrect figures to determine my escrow. Additionally, they claim they paid {$200.00} more than the county shows they paid. they did for both XX/XX/XXXX and XX/XX/XXXX tax payments. XXXX County shows tax payments recvd of {$4400.00} each year for XX/XX/XXXX and XX/XX/XXXX. However, TIAA has escrowed and charged me {$4600.00} for XX/XX/XXXX & XX/XX/XXXX. Where's my {$400.00}? 

I have repeatedly asked them to re-do my escrow and they respond by telling me their numbers are correct. However, they aren't correct. The payments being received by my county are clearly listed on the XXXX county property tax website. How do I get them to stop overcharging me and refund my money? 

2 ). There is no way to contact this company. They are supposed to be available until XXXX at night to take mortgage support questions, however, whenever I call after XXXX there is no one available to take my phone calls. They say they will call me back after XXXX the next day, but that hasn't happened once. They only attempt to return my phone call early in the morning when I am at work and can't take the call. I need an e-mail address or an after hour phone number to call where someone can actually answer my call and resolve the issue. Their support hours are clearly indicated on their website, however, they don't honor them.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from XXXX XXXX I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to XXXX to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. 

XXXX LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. 

Upon closing the account out XXXX changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, Experian and XXXX  to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! 

How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Consumer complaint received 2019-02-04
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. (FL)

I have a current complaint against 'ideal collections ' ( case ; XXXX ). This new complaint is about Equifax. XXXX has already recognized the fraud from ideal collections and has removed it from my credit report for life. Several other credit agencies have looked into their fraud as well ( XXXX  and XXXX have been very helpful ). I've disputed this situation with Equifax many times. I'm on the phone with them constantly. Today, an Equifax representative admitted that they did not have any documentation proving this to be a legit debt. Since XX/XX/2018, I have still not received anything in writing providing any info ; what the debt is for, why it's owed, etc. I have been blocked by XXXX XXXX and XXXX XXXX. They claim that I owe them a debt, but have blocked me from calling them. I've attempted numerous times to work with Equifax. The outcome is always the same ; unlike all of the other credit agencies, they claim it to be a legit debt based on nothing. No info, no paperwork, no signatures, no explanation as to what it's even for, etc. My family has been contacted all over the United States by these scam artists. I'm to the point of looking into taking legal action against Equifax for allowing the harassment and fraud to continue. I have recently missed several financial opportunities due to this fraud that Equifax refuses to recognize. For the record, my score with XXXX is in the high 700 's. Equifax ; XXXX. This is getting out of hand. I find it to be very unprofessional and unethical on the part of Equifax. I have asked Equifax, XXXX XXXX, and XXXX XXXX for any type of documention. Again, no response. Please help me to have this removed from my ( for the last several decades ) excellent credit history. 

Thank you, XXXX XXXX
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Business & Professional Collection Service Inc (AZ)

The collection agency is attempting to collect a utility bill that was discharged in bankruptcy ( District of  Nevada # XXXX ). I have disputed this numerous times on credit report & the company still reports it as a collection.
Consumer complaint received 2022-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP (CA)

My bank accounts were levied $ XXXX by XXXX XXXX XXXX XXXX. 

I contacted the company and told them I was never sued and have no idea of the debt. They said they served me at an address I have not lived in for over 10 years and I was described as a XXXX XXXX  XXXX woman in my XXXX. I am XXXX XXXX  XXXX. I told them they served someone else and they didnt care. 

They are suing me for an alleged credit card debt from XXXX, and they said the judgment was since XXXX. 

I have never received anything from this company, I have no collection record on my credit report, nor do I have any idea the debt they are collecting on. 

They have supplied me with no information on this, they said they would send me media in the mail, but my bank accounts have now been emptied.