davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (TX)

I previously reported a related occurrence whereby Citicards changed the monthly statement balance and caused an interest charge to be generated on my account, see ( XXXX ). 
Since inception, I have never paid an interest charge on my CitiCards. I always pay the FULL statement balance each month. I use the CitiCards web site to review and schedule the payment transferring the funds from my bank. 
Previous to last XXXX XXXX the CitiCards online statement and my PAPER statement have been identical. However in XXXX XXXX the online statement understated the amount shown on the paper statement ( which was received after my online payment ). When I paid the online FULL Balance online, CitiCards sends an email verifying that I had paid my balance in FULL with No Balance Due. However, on the next monthly statement, the remaining difference between the paper statement and the online statement would be shown as carried forward and would result in an Interest charge.

Subsequent to this event I now specifically compare the paper monthly statement balance ( that I receive a week after the email notice of statement availability ) to the online statement balance to assure that they are identical.

CitiCards has again changed the balance of my monthly statement which would have caused an underpayment of the full statement balance. 
In XX/XX/XXXX, I received an email notice that my XXXX ( XXXX ) monthly statement was available. I subsequently signed into my online account and scheduled the payment of the FULL ( online ) statement balance of {$3200.00}. 
About a week later I received a mailed ( paper ) CitiCards statement with a balance due of {$3200.00}. Obviously there is a {$11.00} difference which would have resulted in an underpayment of the monthly statement- and the generation of an interest charge ( which previously occurred in XXXX ). 
I again signed onto my online CitiCards account and again verified that the online FULL balance was as previously stated ( {$3200.00} ). I amended the scheduled payment amount by submitting a " Custom '' payment amount for {$3200.00}. 
The different statement amounts in this case seems to be a statement credit that appeared on my online statement but did not appear on my " paper '' mailed statement. CitiCards obviously controls both the online and mailed statements so the fact that they issue statements with two different balances is baffling. 
Furthermore the fact that CitiCards would have charged me interest on an amount that was in fact " My '' money ( a credit ) is even more concerning.
Consumer complaint received 2023-01-18
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: CITIBANK, N.A. (NY)

I was a victim of identity theft my phone number, cards social security number and other things was solid to someone on the dark web and I was a victim of security breach with reporting agency. I filed a report with the federal trade commission and let the credit bureaus and credit card company CBNA know and attached the report to my dispute. all but XXXX has not removed the cbna account from my report. I filed disputes attaching the FTC identity theft report and still its not been removed from XXXX
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

In XX/XX/XXXX I requested a refund on all student loan payments that i made after XX/XX/XXXX totaling {$15000.00} and i was told the request would take XXXX weeks to process and was instructed to call back in XXXX weeks to confirm the request was made properly. 

XX/XX/XXXX I call to check on the status and am told they can not see my request. Aidvantage  states they can not locate my payments made since the loans were serviced by XXXX at the time and i needed to speak with XXXX. I contact XXXX and then assure me that all records were transferred Aidvantage and that Aidvantage should have all of the payment history. 

XX/XX/XXXX I speak with an Aidvantage representative who tells me that they can in fact see prior payments but the request was not submitted correctly because the amount was over {$10000.00} and needed XXXX approval. She assured me that the request would be resubmitted and approved. 

XX/XX/XXXX I speak with Aidvantage who says they can see the XXXX approval and it is just pending processing and no further action needed. 

XX/XX/XXXX i speak with Aidvantage and am told that there was an issue because my loans were previoulsy serviced by XXXX and that i made were to payoff the loans in full so they needed confirmation of prior payments that i made. I uploaded a detailed payment history dating back XXXX showing all payments made on prior loans from XXXX to XXXX. I confirmed on the phone with the representative that she received my documents and would be elevating the refund request. I went through each payment with the representative that i was requesting to be refunded and they are as follows : XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2300.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XXXX - {$2000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2700.00} At this point i was assured that everything was submitted and would take XXXX weeks to process now that documentation was received. 

XX/XX/XXXX i contact Aidvantage via email and am told no progress has been made but that the refund reqeust was being expedited and would process in XXXX weeks. 

Now on XX/XX/XXXX, nearly XXXX  months after the initial request was submitted and after numerous phone calls and emails, i still am yet to see any refund processed. I have done everything on my end to provide Aidvantage with all documentation they have reqeusted and repeatedly i am told that they will handle the request and time after time i am left without resolution. They had no problem taking my money for loan payments and penalizing me if i was late but now that i am reqeusting money back from them it takes over XXXX  months and that is unacceptable. I need my {$15000.00} refunded within XXXX  days of this complaint being filed.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (ME)

On the morning of XX/XX/2023, I applied for a Citi Bank AAdvantage Platinum Select card to purchase my upcoming flight in XXXX. I was immediately approved, and as I clicked " continue '' to access the next page, which would have my temporary card information to use to purchase my flight, the website stopped working- on Citi Bank 's end - and had a line about not accessing the page. I couldn't reload or access the page again in any way. I did receive an email confirming my approval and my credit limit and that the card would be at my house in 7-10 business days. But no information about the temporary number. I asked for help on the online site, and they pointed me to customer service via the phone. I called and asked for help with getting access to the credit card information to purchase this flight, and was bounced around to three different people, none of which could help. I asked again online, and was given a different number for help, and I was lead to another person who told me that the temporary credit card information could not be seen on their end. 

I have 24 hours to purchase my flights. I have no credit card information for a card I applied for solely to purchase the flight based on their advertising. I am extremely upset and inconvenienced by this. I hope that I can continue to reserve/hold the flights, but the amount of the tickets will likely rise each day. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not know if I this is a direct violation, however I don't think Citi Bank should benefit on this deceptive practice. It was advertised that I would be able to buy the flight for {$200.00} less ( with the statement credit I would receive with getting the Citi Bank AAdvantage card ), however now I will not get that statement credit since I can not use the card to purchase those exact tickets. I WOULD NOT have applied for the card if I couldn't use it that same day to purchase my flight.
Consumer complaint received 2022-05-21
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. (TX)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX  XXXX XXXX XXXX has failed to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 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 Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC reference number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Hi My name is XXXX XXXX. XXXX XXXX. I am in the middle of purchasing a home for my family. During the entire home buying process I noticed a cc only credit report. Capital one. It was old, no longer was reporting-. I advised to my financial advisor and my staff sergeant the card was not mine, I was told file a ftc. I did just that. The account was removed off my credit and my wife and I were s relieved. 

XXXX weeks went by, I paid off my bills and got my score tot he highest it ever was. I went to my mortgage team and right as we were generating my credit report they noticed the account that was once removed had just come back on. It was removed off XXXX and XXXX how ever it re appeared back on XXXX. 



I am being treated unfair. XXXX stole our local towns mail they stole the monthly statements making it difficult to pay my bill. Stolen mail. As the head of my family and the provider, I was not focused on bills. I just make money and pay them. However my wife noticed for XXXX XXXX  we had not gotten the statement which caused me to be late. As a curticy we asked they remove the lates and in return they removed the act. 

Although removing the act made my credit drop- ( ( due to history - the card made XXXX XXXX  oof my credit ) I still didn't make it a big deal because the XXXX lates being removed was a goal of mine together the best mortgage for my family. 

cap one not only removed the act, but after XXXX XXXX  they ut it back on with the same lates like it was a new account. It dropped my credit from a XXXX to XXXX which is not qualifying me for a mortgage. 15USC 1637 ( a ) ( a ) and 15 USC 1666 ( b ) was attached along with a ftc report- In addition to it not being my fault for XXXX late payments due to theft I am active military- I am protected from any of negative reporting due to the military act- Cap One has violated my rights and I am hoping you can get this matter taken care of- XXXX late payments that was not my fault is unfair. Contributory negligence states a person has a % of fault. In this -- - I have no % of fault. I was the victim, I filed a report. I followed protocol. 

Please get this cap one act removed in its entirely- if they can not update XXXX lateness. 
it appeared on my credit as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I purchased a Jeep wrangler in XXXX of this year, the payment is automatically drafted from my checking account with XXXX Bank on the XXXX of every month. In XXXX I called Credit Acceptance Corp, asking if I could change the draft date due to an unexpected emergency. I asked to see if the contracted could be changed to later in the month due date because that is when I receive my Social Security and I would not have to worry about being late. They stated that there was n't any way to change the payment date in the contract and I was told that there was a XXXX day grace period after which a {$17.00} late charge would have to be paid. Since my next Social Security Check would be coming in on the XXXX of XXXX the payment would be {$370.00}. I set up this amount to be drafted from my account on the XXXX XXXX to prevent any XXXX late payment on my credit. When I investigated by calling Credit Acceptance legal department, I was told that my bank told them that there was insufficient fund to make this payment on XXXX XXXX. XXXX See attached online bank information showing no attempt was made by Credit Acceptance to draft the owed amount and my bank verifies that they did not have any ACH payment request from Credit Acceptance Corp any time during that week. ) On XXXX XXXX Credit Acceptance Corp reported both myself and Co-borrower XXXX days late which has had devastating effects on XXXX our credit reports. 
Also I received a letter from dated XXXX XXXX, 2015, that mis-lead me to believe that as long as the payments were all up to date by XXXX XXXX my account would be considered never in Default. The Account is paid to date, they were able to take the XXXX Payment out and I had my bank pay them directly for any pass due to avoid any other payment recording errors. 
I did everything I could to make the XXXX payment before it was XXXX days late and Credit Acceptance did not keep their part of our agreement. I am requesting that the XXXX day late reporting should be removed from my report and should be showing as paid as agreed on both mine and XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-18
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 been notifying the banks as well as the 3 credit bureaus about inaccuracies on my credit report for many months. I have notified you multiple times informing you and many others that the credit bureaus are not doing their job as required by Title 15 USC 1681. My personal information is private not only can they not report something without my written authorization. But they are required by law to verify and validate this information. I have sent them letters repeatedly since XX/XX/2022 and you can see clearly on the top of each page that many of these accounts have not been verified at all and many others have not been verified in months. 

This violates my federally protected rights and this needs to be addressed as soon as possible. Each violation of FCRA or FDCPA is a fine for {$1000.00} these negligent issues need to be addressed immediately! They had 30 days from the 1st letters I wrote to them months ago to validate and remove.

Attached is 1 of the 3 letters that I sent to the 3 credit bureaus.
Consumer complaint received 2023-01-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. XXXX requesting the removal of accounts and/or monetary compensation due to violations of my rights. XXXX currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore XXXX requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (CA)

My new car loan is with TD Auto Finance, Customer Resolution address is XXXX XXXX XXXX, XXXX XXXX MI XXXX. 
I paid off my loan with a check for {$13000.00} on XX/XX/XXXX. I sent the check as instructed from TD Auto 's recorded line. 
The money never went towards my account. I have copies of the posted check, front and back, showing it was posted to TD Bank. I talked with several different people, although there is really no Customer Service Department, there is just Collections. 
I faxed copies of the cancelled check and account information to a number ( XXXX ) XXXX that was reported to be the resolution department on XX/XX/XXXX. 
As of this date, XX/XX/XXXX, the money has not been posted to my account. I am getting letters indicating that my account is overdue and finance charges are accruing. 
I do not have the pink slip for my car which I want to sell.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX had violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-18
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: CLGF Holdco 1, LLC (GA)

I accepted a marketing offer from Milestone Credit Card XXXX months ago. It was XXXX  that I would receive a credit limit increase double the initial credit limit after making XXXX payments. I have made XXXX payments but have not not received the credit limit increase promised in the marketing material. 
When I reached out to Milestone Credit Card I was informed the card did not qualify for a credit limit increase and the the limit stays at {$700.00} forever. 
I am submitting a complaint because I think that false advertising/marketing.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (CA)

I reached out to report unauthorized inquiries to companies I did not recognize on my credit report and they have not removed the inquiries and it is affecting my credit. It not fair that I have to deal with unauthorized use of my credit.