davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This complaint is in regards to overdraft fees associated with an RBS Citizens Bank checking account. I have already tried coming to a resolution directly with RBS Citizens Bank, but was unable to resolve the issue.

I have previously confirmed directly with RBS Citizens Bank phone representatives and multiple bank tellers that RBS Citizens Bank 's checking account overdraft policy is that if any account becomes overdrawn on a business day, as long as the account holder makes a deposit or transfer into the overdrawn account by/or before XXXX EST on the day the account became overdrawn, an overdraft fee would not be charged. 

After I reviewed my account statements in detail, there are a total of 6 overdraft fees, at {$35.00} each, that RBS Citizens Bank has assessed to this checking account. All 6 of these fees were charged on transactions that overdrew the checking account, but the account balance was brought into a positive balance, by a deposit being made, prior to XXXX XXXX on the day of the overdraft.

By Citizens Bank 's overdraft policy, there should not have been six {$35.00} overdraft fees assessed for these transactions on the attached dates.

I have attempted numerous times to resolve this with RBS Citizens Bank phone support representatives.

Their standard reply is that they can not reverse overdraft fees. I have replied that I am not looking for a valid overdraft fee to be reversed, that the fees were not correctly assessed by RBS Citizens Bank.

I have been unable to resolve it directly with RBS Citizens Bank.
Consumer complaint received 2018-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc. (MA)

I am currently in collections with XXXX XXXX Hospital for a bill that I already over-paid. The hospital owes me the sum of {$65.00}. 

In XX/XX/2017, I went to XXXX XXXX Hospital for an XXXX on my XXXX. A few weeks later I received a bill for the amount of {$440.00}. I promptly paid this bill and have a receipt for the transaction. 

A few weeks later I received two additional bills for the services, one from XXXX XXXX in the amount of {$45.00}, and the bill from XXXX XXXX Hospital for  {$370.00}. This is the bill they want me to pay. I paid the XXXX XXXX bill as this was a third party service associated with the services that I received at the hospital. 

To resolve the issue with XXXX XXXX Hospital, I called their billing department many times over several months but they were not able to find my previous payment. After months of trying to get them to resolve the issue, they sent my information to a collections company which is now requesting that I make the additional payment.
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CO)

I have tried for weeks to get on to my Credit Account at Experian - All the consumer numbers they give only give you 2 choices and you can not get a live person. Once logged in the web site all my sign on info is correct and then my Account info is correct and it tells me OOps can't help you. Finally called Corporate XXXX ( the only number you can talk with someone ) 4 times and was transferred numerous times each time to at least 6 or 7 people, each one telling me something different. I finally reached a supervisor who told me that it appeared that my report was mixed with someone else and I had to get a hard copy to check it out. I spent at least 6 hours on the phone with these people and if on the first contact would have been relayed correct info would have saved me a bunch of time. I have never witnessed such poor consumer support in my career - which is tech-support ( with the exception of XXXX the last individual ). This is my information they data mine and make money from and yet they make it impossible to access. Should be fined - ( probably will have a data breach like XXXX  did a while back.
Consumer complaint received 2018-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (LA)

We signed a lease with an apartment company XXXX XXXX in XXXX LA. They made us buy rental insurance in lieu of deposit and stated any damage would be charged to policy. We fulfilled our lease and gave 30 day notice. THERE was no damage to the apartment when we moved out. I have copies of 30 vacate notice letter. They turned over a claim to debt collection place. National Credit Systems., XXXX XXXX GA They have placed this debt on my credit report. I have never heard a word about this until now. I would think they defrauded the insurance company also. This is tantamount to extoration. I work very hard to keep good credit and pay my bills.
Consumer complaint received 2018-10-12
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)

XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, Transunion and XXXX credit bureau reports.I opened the account in XXXX of 2015. 
The payments made for this account were for usage and a XXXX XXXX XXXX phone. 
All payments were made on time because I used auto-pay.At the completion of the contract I was on the phone with a XXXX Rep. , settling the account.He tried to sell me a newer phone, a newer XXXX for $ XXXX.I said I WASN'T INTERESTED but there was Sales Persistence.Finally he said we will cancel everything and I WILL NOT BE CHARGED.I kept the same phone number and transferred it to XXXX XXXX. 
This entire account is fraudulent.I owe nothing.
Consumer complaint received 2018-10-14
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.
Consumer complaint received 2018-10-14
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Main Street Personal Finance (MI)

On XX/XX/18 at XXXX XXXX, I received a voicemail call stating the following ; Good morning this is XXXX XXXX from the compliance and processing division with asset (? ) XXXX. We are trying to locate and notify my ( first middle last name ) in reference to fraudulent activity that has taken place being associated with your social security number ending in XXXX. Associates in the legal department here has received the legal authorization to process this case against Ms. ( last name ). Case number XXXX into XXXX County District Courts. Ms ( last name ) once this case is charged, all legal rights will be forfeited. Service and process will be completed at a verified home address and/or place of employment and you will be due to appear for the matter. If you would like to have this case dismissed, you will need to contact the legal department immediately at XXXX ext XXXX. ( first middle last name ) you have officially been notified good luck to you. 

She also called a a third party ( friend of mine ) without my consent, stating the same. Using yet another phone number different from the ones they called me from. Im unsure how they even have her contact info. Afraid that this has happened she called me in a panic to ensure I was aware. I had my attorney contact them moments afterwards. He learned its actually a debt collector regarding a debt of mine. He asked that they not call back and would consult with me regarding it. On Friday XXXX called me again from yet another phone number different than the first and was very rude and obscene. When I asked did they speak with my attorney she became much louder and obscene with me. I asked that they contact him as Im sure he advised if they had anything to provide for me. She got louder, I asked if she was familiar with how the FDCPA worked, she said yes, and I informed she should know that the lies they left on my voicemail and my friends, are wrong and against the policy. Not once did she state they were a debt collector, but there was fraudulent activity on my credit according to the last four digits and my entire government name, and that they were not to contact me again. I then hung up. Two more times after that I received phone calls from another Michigan number that I did not answer.
Consumer complaint received 2018-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I received an alert from XXXX indicating remarks updated on equifax credit report in regard to my XXXX Student account. This information keeps changing and as fast as my credit score increases immediately the information on my XXXX will change and now I've lost 25 points. These changes aren't being done by XXXX XXXX because I've called them and asked and they informed me because these accounts are included in Bankruptcy there is no reason for them to keep changing. They report it as included in bankruptcy and that is it. I've contacted my bankruptcy attorney as well and they said they dont have a reason or authority to add anything to my XXXX information. Lastly, I haven't nor do I have a reason to dispute this information because it is included in bankruptcy. Someone within the credit bureau keeps changing the remarks on these 9 accounts without me being the one initiating the changes. This will be the 3rd time information has changed on these 9 accounts that has caused my credit score to drop. This is wrong and when I call XXXX after speaking with XXXX XXXX and being instructed by the agent at XXXX XXXX to ask who initiated the dispute they could not provide me with that information. I want this to stop.
Consumer complaint received 2018-10-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Integrated Recovery Services (OH)

I have previously filed a complaint against this company approximately 2 months ago regarding a processing fee that I was not told about. The complaint was responded to by stating I would not have to pay this fee per transaction. This was true for about 2 payments. My payment as of XX/XX/XXXX was charged the fee again. When calling the company I was told they would have never made this statement to me about not charging the fee and I was told a manager would call me back. I called a second time hoping to speak with someone that would look into the file and once again a manager would call me back immediately. No one has called to resolve this issue.
Consumer complaint received 2018-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I reported the unauthorized withdrawals or money that was spent and shown in the transactions to my bank, Bank of America. I opened that account in XX/XX/2018 and there have been various amounts from XX/XX/2018 to the present. It's very stressful, sometimes it's only {$3.00} at a time or recently there was a charge to a night club that was about {$30.00}. They're very random and the amounts are odd so I really have to scrutinize to catch it. It was the same when I used XXXX XXXX.
Consumer complaint received 2018-10-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

/n May of 2018 I disputed An account on my Transunion credit Report. The listing was XXXX XXXX XXXX XXXX. In XXXX Transunion responded back saying the account was verified and accurate. Well On XX/XX/2018 I wrote Transunion a certified letter asking for the Method of verification per the FCRA 611 ( A ) ( 7 ) I am entitled to see as for I am the consumer. I have enclosed a copy of the letter that was sent to Transunion on XX/XX/2018 and I attached a copy of the certified mail receipt and a copy of the delivery notice that Transunion received the letter on XX/XX/2018. they have 15 days to respond to the letter. well today is XX/XX/2018 and Transunion has failed to respond to my letter/dispute. I am legally authorized to take Transunion to court and sue for the action- failing to respond to my written dispute with in 30days. Violation consumer protection afforded by the FCRA I am entitled to {$1000.00}. Legal Jurisdiction- FCRA Section 611 Part ( A ) ( 1 ) I will take this to a federal court Transunion , you have violated my rights and this is ground for removal on this US Bankruptcy Federal, Court that listing inaccurate on my Transunion report. If this account isn't removed immediately from my credit report asap I will go and file a suit and I have all the documentation to prove that I sent a certified letter to your company. and you failed to respond to my letter Todays date it XX/XX/2018 and your company has failed to respond to my request. this is not right and against the FCRA ...
Consumer complaint received 2018-05-02
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: ReliaMax Holding Company (IL)

During high pressure meetings with XXXX XXXX XXXX I was pressured into enrolling and taking on a loan in the amount of about {$70000.00} with XXXX XXXX XXXX. This was to be used to pay for my entire XXXX XXXX training program in advance. In 2006, the school filed for chapter XXXX bankruptcy and offered no forgiveness or help with this loan. We filed a class action suit to have this debt wiped away, but it was settled for a lesser amount. I was still left with a loan of about {$33000.00} to pay for. My training was never complete and I am not eligible for employment as a pilot in any capacity. Basically, I received {$33000.00} worth of helicopter rides. Recently, my loan was sold to Reliamax.
Consumer complaint received 2018-10-13
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 — Problem with personal statement of dispute
Company: GREAT WESTERN BANCORP, INC. (VA)

Two issues that have not been reported correctly. Great Western Bank has reported late payments several years ago because multiple payments made at one time were credited to my account as one payment. XXXX Hospital XXXX has reported a collection account on a balance resulting from XXXX XXXX Co taking several months to pay entire bill. A collection referral is indicated but there was never any contact or collection activity pursued since the hospital was aware of the yearly deductible being met and the insurance company finalized the claim in three months. Both of these accounts have been paid in full for many years but still remain active despite contact several times to resolve.
Consumer complaint received 2018-10-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America closed my minor daughter account without notifying me by email, phone or mail. My daughter receives back pay from SSI and is required by law to have an open account. Bank of America knew this and still didnt give me a reason on why my daughter account was closed. Now they want me to go into a Bank of America office and speak to a specialist about re-opening the savings account. I want to know why was it closed without any form of communication?
Consumer complaint received 2018-10-12
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: EQUIFAX, INC. (CA)

ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
Consumer complaint received 2018-10-12
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)

ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name XXXX XXXX XXXX XXXX XXXX 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX
Consumer complaint received 2018-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.
Consumer complaint received 2018-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

I had sent two ( 2 ) Certified letters on XX/XX/2018 and XX/XX/2018 to XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, SC XXXX requesting them to send me a " validation '' ; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. Never heard from them nor gotten any correspondence back from them. Instead, I noticed that they had indicated on their remark section for XXXX  that " Account information disputed by consumer, meets FCRA requirements ''. XXXX and XXXX had not been reporting said collection account anymore. Since XXXX failed to produce requested documentations, I simply want them to completely remove said collection account. If needed, I can submit said copies of above mentioned Certified letters with respective return receipts. 
Lately, it seems like Resurgent Capital Services had join the fracas of sending me notice of trying to collect on the same item without involving any of the credit bureaus. 
Presently, only XXXX  is the only one still bearing said collection item.
Consumer complaint received 2018-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX I placed a credit freeze with One of the main 3 credit reporters. This was because I received a letter in the mail saying my old company I worked for XXXX had been hacked in XXXX and they just now found out. I signed up because my info is on the dark web, i have been hacked earlier in the year, and a car and insurance from XXXX was purchased. I still am seeing credit inquiries nearly everyday that I am not familiar with at all and nobody is calling me to verify if it is me! Please remove all ( HARD & SOFT ) of these inquiries from my reports and freeze my credit now. If the Inquirer DOES NOT HAVE MY WET SIGNATURE, OR IDENTIFICATION WITH THE APPLICATION. ACCORDING TO FCRA SECTION 604 THEN IT IS NOT VALID ... I AM DEMANDING ALL INQUIRIES BE LOOKED INTO FOR PREVIOUS 2 YEARS FROM TODAY XX/XX/XXXX. 

THANK YOU, XXXX XXXX
Consumer complaint received 2018-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP (VA)

This account was charged off as a negative item. I kept receiving updates that they were still reporting late payments and still adding interest after it was closed. I went from owing XXXX something dollars to XXXX something dollars. I called to try to pay the settlement but they were still trying to charge me XXXX something dollars. I was hoping theyd stop reporting late payments its just making my credit score drop even more and its making it harder for me to buy a house, or get another credit card.
Consumer complaint received 2018-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I deposited a check at a Bank of America ATM. The deposit was taken but I was not made aware until after it was complete there would be a 7 business day hold placed. I have talked with several representatives, all but one stated that was common practice at their ATMs for check deposits. I was told by the first representative that later that next day I could request {$200.00} of the funds to be released and the could after they could view the check. I waited 3 days to make sure it was viewable and was told there was no way to get any of the funds released. If this is common practice customers should be notified. If the hold can be printed on my receipt I should be allowed to cancel the deposit and handle the transaction a different way. I asked is I could bring proof from my dad 's bank that the check cleared for the funds to be released, they would not allow that. I have since making the deposit incurred NSF fees on my account as a result of the funds being held.