davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

In XX/XX/XXXX, my family bought a leather sectional from Macys with a Macys credit card, primarily used for protection purposes. Upon receipt of the unit, both the delivering company and my family noticed material quality concerns with two of the pieces, which we immediately conveyed to Macys. We endeavored to work with Macys to remediate the issue, but elected not to receive a piecemeal resolution as we wanted all pieces to come from the same lot. After some delay due to COVID challenges, the sofa was picked up and we received credit and we asked for our account to be closed ; however, Macys inadvertently reflected a negligible balance due to an internal issue. My wife called multiple times and Macys apologized and intimated the problem was resolved in the XXXX / XX/XX/XXXX timeframe. 

My credit score has always been exceptional, a XXXX  score typically over XXXX. It wasnt until XX/XX/XXXX, after patiently waiting for over a year for historical low interest rates and closing cost fees, that I asked XXXX to run my credit score for my requested refinancing loan. At this juncture, I learned that my credit score had dropped 70 points due to the erroneous and fraudulent information ( late payments across XXXX, XXXX and XXXX ) that XXXX had shared with all three credit bureaus. This prevented me from securing my loan. I called XXXX and they acknowledged culpability for the error, blamed it on their computer system and sent me a letter that they would correct the issue with all credit bureaus, albeit it would take 30 days most likely for any adjustment in my credit report, literally sabotaging any immediate chances of my family securing premium refinance rates and savings. I reached out to multiple individuals ( such as XXXX XXXX - Liaison Credit Executive Office ; XXXX XXXX - Executive Office Liaison ) at Macys and the best response was an offer of a 25 % discount, a standard discount I receive routinely from Macys, to essentially go away. Macys error cost my family a loss of over $ 18K in interest rate savings over the life of the loan, not to mention over $ 2K in closing cost savings when compared to loans available XX/XX/XXXX and beyond. 

Macys error resulted in reputational damage to my name with my bank and a financial hardship to my family. My account should have been closed properly with no balances reflected due to Macys error. And then I had to be the one to bring it to their attention or I would have been impacted in perpetuity for their error.
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (UT)

I opened a XXXX XXXX XXXX in XXXX XXXX. When I applied for the card on-line they offered a XXXX XXXX balance transfer deal. I submitted the information for the loan I wanted to have Citi pay to take advantage of this. The loan I wanted paid off by them was with XXXX XXXX XXXX XXXX in the amount of {$6700.00}. I received my Citi MasterCard on XX/XX/22 and activated it that day. I also created a log-in on their web site so I can access my account on-line. I noticed ( on XX/XX/22 ) they had already charged my account for the above amount yet when I checked my XXXX XXXX account on-line the balance on the loan I wanted Citi to pay off was still there. I called their customer service number ( XXXX ) XXXX when I finially got through to a representative they acted like they couldn't hear me and hung up. I have called them XXXX more times since XX/XX/22 and each time this is what they do - their phone menu is very difficult to navigate and they intentionally make it extremely difficult to get through to some one. As of today, ( XX/XX/22 ) the balance on my XXXX XXXX XXXX still shows the above balance ( citi has not paid it off ) and of course Citi show 's that I owe them another {$6700.00}!! These people are nothing but thieves!!!
Consumer complaint received 2022-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (FL)

Barclays unexpectedly closed my account in XXXX and put my account into collection. They said to pay off the closed account which I paid down to XXXX of the XXXX balance. I then had some hardship and told Barclays I couldnt make the payments. During that time they increased the interest on my account and charged late fees that increased the balance to XXXX. This was very strange as a closed account was still accusing fee and interest. I since had made numerous phone calls to Barclays to correct the amount due. They have taken my name and phone number and have yet to call me or respond to my inquiry on settling the balance. Theyve instead charged off my account which has negatively affected my credit making it difficult to obtain any reputable credit lines. They are a bully. They offered me a card then blacklist me. Not only that but they refuse to speak with me or to rectify my account balance. Since they have been charging me fees while my account was closed this will stay on my credit report for an additional XXXX years.
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NC)

In the summer of XXXX, I started receiving payment overdue notices from Synchrony Bank concerning a Credit Card account ( XXXX ). I immediately contacted the bank and told them although my personal information was correct, I did not have a credit card from them. On XXXX XX/XX/XXXX, the informed me it was an unauthorized account and that All charges have been removed and you wont be held responsible for the debt. All well and good for XXXX XXXX years and then received a From XXXX to file with my taxes. I was told by different customer service personnel to forget about it, erroneously sent to you and dont worry about it. So I filed my tax forms without including the XXXX because I dont actually owe that amount of money. On XXXX XXXX I sent a letter to Synchrony Bank requesting they issue me a CORRECTED XXXX showing my personal information but does not belong to me as previously ascertained. The original XXXX should have been sent to the person who stole my identity and used my personal information to open and utilize the credit card. Today Im sending them another letter to request the CORRECTED XXXX before the XXXX comes knocking on my door looking for their money. Just a guess but appears Synchrony Bank decided XX/XX/XXXX ( Date of identifiable event ) to attempt to clear the {$12000.00} the debtor was personally liable for repayment of the debt box checked. and when they keyed in the account number it spit out a XXXX with my personal information ( just like the original credit card bills I received ) I.e. mailed to me ( but not the owner of that account ).
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

Hello, i m living in XXXX and i opened a well s fargo bank account few years ago. i have a credit card, online access and my account is always on a positive balance. i decided last month to clsed that account and get back my money. wells fargo send me a closed form. i filled it in XXXX with notary public signed and XXXX. i send back the from and when i called the wells fargo for an update they stated that a foreign client must come in person in USA to close the account. i ca n't go to usa for now. i need please your help
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

Debit card fraud. Reported to Chase bank that transactions amounting to approximately {$2000.00} using my debit card number at an atm machine in XXXX emptied my checking and savings account. I live in Michigan. 

Chase conceded that it was fraud and they reversed the transactions. However, the transactions were still charged on my accounts. Chase told me that the local merchant in XXXX  refused to reimburse the money, so Chase is passing the fraud onto me. 

They said that it is possible that I gave my debit card number to these people in XXXX  XXXX XXXX. That I could try and come up with proof that I didnt do so. 

Im a retired guy on Social Security and {$2000.00} isnt something I can just whisk away without putting up some sort of a fight. Any kind of direction, help, or advice would be helpful. 

Thank you, XXXX XXXX
Consumer complaint received 2016-11-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CrossCheck, Inc. (TX)

I have a company called XXXX XXXX XXXX from Floridaphone number XXXX threatening me with filing a felony check fraud charge against me. I had a XXXX and missed a lot of work and I requested to set up payment arrangements. The caller, named XXXX was very rude to me and told me that I had no business in a car lot buying a car that I could not pay the down payment. My XXXX obviously was not planned and they have been very rude to me. I asked to speak to another person than her because she was being so rude to me that she had me in tears, I spoke to another woman who I agreed to pay half of the amount owed this paycheck and the other half in one month, because they scared me with threatening me with fraud charges. I felt like my rights were being violated because I know you can not threaten charges against someone and then she began to recite the law in Texas for checks, this is a check guarantee company and I 've asked for an address for the company which they will not give me so I can send them a letter stating I do not want to be harassed anymore.
Consumer complaint received 2022-11-21
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)

I want to fill a report of XXXX XXXX account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX account number # XXXX In the accordance with the fair credit reporting act XXXX  these accounts above have violated my rights 15 U S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 section ( A ) ( 5 ) section 2 clearly says no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information other than records of the following items of information other than records
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$370.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-12-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Citizens bank again charged me over XXXX in bank fees due to the fact that my checking account was XXXX over draft,, i called them and told them i would put the money in today the supervisor laughed at me and said no way i even ask if they could help me for XXXX week i having a difficult time and i had agreed to XXXX fee to be fair he continued to laugh and said no way, are these banks very corrupt and have no sympathy for the US Citizen anymore i feel they pure extortionist this is very bad for the US Citizens we do not have very many choices have banks we can go to they are all being merged and at work it is very diffficult for our office to change direct deposit policies for security prevtions please help me with this matter thankyou XXXX XXXX
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (OH)

Upon receiving several notices that our taxes went up from our mortgage company advising us our escrow was now short, I took money out of my retirement to pay PUF. This was forced upon me causing me to pay fees for pulling money out early then again when taxes were paid in XXXX. We received another notice of the same thing this month, so we dug into the problem with the county auditor. Turns out the company did not pay our first tax bill with them causing a mass amount of late fees and interest making it seem our taxes went up. Taxes did not go up but every time a " timely '' payment was made it went to the delinquent amount we incurred almost {$900.00} in fees alone. Now trying to get Pacific Union to realize there mistake they are telling us they did not make a mistake it was up to us to tell them we were late. We do not receive a bill they do, we did n't know. Not to mention they are paid to pay on time and our mortgage makes us escrow with them. We should not have to pay these late fees we filed 23A forms for penalty remission but they still want to raise our monthly bill to an outrageous amount for escrow they made short. We even had the county call them and they refused to speak to them. They are helping the mortgage company too but they  refused. Now we are afraid we will lose the house because we can not pay {$300.00} more a month when it should n't have happened AND we can show them the error to fix it and they wo n't speak to the County representative. Please help!
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (PA)

XXXX. 

Bank in question : BB & T, XXXX. 

Problem : I have an existing account, a basic senior citizen checking account. The account was opened when the bank was XXXX XXXX, now taken over by the unfriendly mindless outsider, BB & T from XXXX. They are completely clueless. I was sent an e-mail, informing me that my new printed checks and ATM card were ready for pickup. I had a mind-numbing conversation with XXXX XXXX, at XXXX XXXX XXXX XXXX branch.. Phone number XXXX,. Fax XXXX, e-mail : XXXXXXXXXXXX. I presented my expired XXXX driver 's license ( no longer drive : laminated plastic including, my photograph, plus a Blue Cross/Blue Shield card, embossed by Blue Cross with my name, an XXXX XXXX member card, also bearing my name, and my official Senior Citizen XXXX-issued bus pass, valid anywhere in the state of XXXX, funded by proceeds of the state lottery, also bearing my full name, card number XXXX. 
BB & T REFUSEDto hand over my new card and checks, stating that, their doofus " policy '' required a current photo identification card. I explained to XXXX XXXX, several times, that I wanted my money, earned thru years of XXXX. She claimed she would NOT be able to comply with my request without the silly photo i.d . card. UNACCEPTABLE. I deposited the money, a United States Savings Bond, XXXX, assuming I could spend, my personal savings towards a few items I planned to purchase prior to XXXX holiday ; XXXX, a digital camera, a few gifts for family members, etc. BB & T is holding MY MONEY hostage. I demand both state and federal agencies with oversight of banking regulation compel BB & T to answer the question : Why ca n't I withdraw MY MONEY??????????????????????????? 
BB & T should be, held liable for my incovenience.. Someone should be compelled to testify, under, oath, concerning BB & T 's mysterious attitude towards cosumers, which is cold, non-caring, and simply not acceptable. BB & T should leave the state if this the norm. 
XXXX consumers demand and deserve better. Period. I served FOUR YEARS XXXX.
Consumer complaint received 2022-11-21
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: ALLY FINANCIAL INC. (IL)

This is about the Consumer Credit Transaction with your financial institutions ALLY AUTO LOAN, executed by way of signing an Agreement ( " Document '' ). As per15USC 6827 ( 3 ) " The term document means any information in any form. '' I demand you Cease and Desist from disclosing my " nonpublic personal information '' to all " nonaffiliated third parties ''. which includes XXXX, XXXX, and XXXX. The provisions 15 USC 6801 ( a ) state " It is the policy the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Please be advised that I have not given your company consent to share my " non public personal information '' and if there's a nondisclosure clause in your contract/agreement giving you that option to share my " nonpublic personal information ''. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. 15 USC 6802 ( B ) lb " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' 15 USC 6802 ( B ) 1c " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the below-mentioned information from my Consumer Report : ALLY AUTO LOAN. 

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (DE)

The company PayPal never completes a simple transfer to account from bank account. They did for 60 days, but for period greater than 1 year the transactions have been blocked for what they say is a security reasons. This is false as the account is secure by access procedures and the simple fact that I control access to both PayPal and bank account. This is a simple ACH transaction that shouldnt have extra steps. I believe PayPal does this to push other revenue generating services trying to force consumers to use them. 

Furthermore when money has left the bank it can take 3 days to get to PayPal account. This is not XXXX, XXXX XXXX XXXXXXXX XXXX compliant. 

Lastly I use account to purchase bitcoin. There are what I believe to be deceptive practices in play. When you buy bitcoin there is the rate for bitcoin. Recently, 1 month, I notice after authorizing the purchase there is an confirmation screen next. The exchange rate at time of confirmation is generally {$200.00} higher than authorization screen even though market rates havent changed that much. This to me is very deceptive and should be stopped.
Consumer complaint received 2020-01-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (TN)

Looking at my credit report I noticed I had 16 late payments. Late payments were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. During this period I had lost my job due to business relocating out of state. Once I had a steady income coming in I started making payments consistently and pay more than amount due. I've tried to get a goodwill adjustment for my student loans two years ago with no success. During this time I was building and correcting my credit report so my wife and I may purchase a home. In XXXX of XXXX we were able to do that. Now we are looking to refinance to receive a better rate but I would need the late payments removed. I would like to have the late payments removed or at least adjusted to one per month.
Consumer complaint received 2022-01-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XX/XX/2021 closed account.Capital One stated that they had sent a {$260000.00} cashier 's check by a first class mail to our address. They weren't able to give me any sort of tracking number I don't think.l That they ever sent it. Weeks later we never received it. Contacted Capital One and they stated that we had to sign an affidavit that we never saw the check and then they would reissue another one or transfer it into an account for us within a week. I did sign the affidavit with said that they have up to 90 days to give us our check. It also states that they can at their discretion give you a check at any time. I have been trying now for 3 months to get this money and it has gone up the corporate chain and they have decided that they do not want to give me my money so I was left through XXXX XXXX XXXX XXXX the worst of the pandemic so far without this money that I needed desperately. This is my third complaint and all they say is in their responses that they are working on it.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SUNRISE CREDIT SERVICES, INC (PA)

Company is using an autodialer to contact about a debt they do not own. I have informed them that they are calling my cell phone. I have also informed them that they have no reason to call me since they do not own the debt. They call me XXXX or three times a day, often with no one on the other end of the phone when I pick up.
Consumer complaint received 2020-01-13
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: STERLING JEWELERS, INC. (PA)

Sterling Jewelers continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and Sterling never validated request and did not comply to request according to FCRA Guidelines.