davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Law Office of Michael J. Scott, PC (TN)

collector calling my job when advised not to. was told again XXXX/XXXX/16 not to call called again on XXXX/XXXX/16. I also left them my cell number to call me back, I have no clue what this is about. They will not call my cell just calling my work and will not identify what this is all about
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.
Consumer complaint received 2016-07-26
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Cooling & Winter LLC (FL)

Many months ago I was contacted By " XXXX '' whom are taking actions by suing me for debts I can not pay. I had agreed to settle on a payment plan which was going well until I lost my job and was not able to continue to payment plan. I found out XXXX XXXX XXXX and XXXX were order to cease business operations due to unethical business practice. Being the only working provider in the household is quite hard to keep the lights on. I work XXXX jobs and ca n't afford to keep current on many other expenses that are coming due. I came to found out that " XXXX XXXX XXXX and Associates '' is now operating under " Cooling and Winter, LLC '' whom are now continue to sue me and threaten to seize/ garnish my wages and will continue to do so until I have nothing left. My wife and I have attempted to contact them regarding my situation and they still do not care of what financial troubles we are experiencing.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

My BLOOMINGDALES credit card account had a {$420.00} credit that was stolen evidently by a Bloomingdale employee. I 've contacted customer service and had no results. 
We were in XXXX XXXX XXXX/XXXX/XXXX at Bloomingdales which refused my purchase stating that my account was closed. Store inqired further to find that account was closed XXXX/XXXX/XXXX. We received no notification of card termination in fact we had confirmed that credit would not expire. Instead of issuing a check for credit our Bloomingdale credit was used in FULL for merchandise on XXXX/XXXX/XXXX by an unknown source. Purchase accured exactly 15 days after account was supposedly closed.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I signed up for a Citigold checking account with a promotion code for XXXX XXXX XXXX AAdvantage miles for signing up and completing some requirements. I received confirmations that my bonus would post by XXXX XXXX. Some time before XXXX XXXX, one of my friends had said he had some issues getting his bonus - Citi told him he was not eligible for the offer, even though Citi allowed him to sign up for the account and collected his monthly fees. So I reached out to Citi customer service to make sure I would not have similar issues - that I was indeed eligible for the bonus. I received written confirmation ( attached ) that I was eligible for the bonus and completed the requirements, and the miles would post after the XXXX statement. Now, the miles have not posted and Citi has promised an investigation taking 24-48 hours. It has been six days and so I am filing a complaint. I am not happy with the service and the account, and the longer they take to respond, the more monthly fees they will collect. This seems like a bait-and-switch from Citi.
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I am a client of Citibank. I was notified that from XX/XX/XXXX on I would be charged a maintenance fee in my account ( " basic '' type of account ) if I did n't have a balance of {$1500.00} ( I was a student before and I did not have to pay fees ). My average balance since XX/XX/XXXX has been + {$10000.00} a month ( which corresponds to the minimum balance needed to waive fees from " premium '' accounts XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was charged a {$25.00} fee for maintaining the account. 
I called Citibank today and they waived the charges as 1 ) I had enough balance to waive all my fees 2 ) I was not a " premium '' customer but " basic ''
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Guglielmo and Associates (AZ)

I was contacted by XXXX with XXXX XXXX XXXX in XXXX XXXX regarding this XXXX account. I told her that I had went through XXXX law group and that my XXXX account had been paid off. I told her I would find the information and send her as XXXX law group went out of business. I was able to get an accounting from XXXX XXXX XXXX. I sent this to them and advised I was disputing this debt. 
Every single month XXXX would call me and every single month demanding that I take care of it, I would tell her that I was disputing it. She would say oh yes I see that. Then I started receiving calls from XXXX at Guglielmo & Associates and he said that he was in charge of the case. I advised him that I was disputing it. He said oh yes I see that. This continued until XXXX XXXX I spoke with XXXX again and again I advised that I was disputing this debt. He told me that it was no found in my favor, I asked how that could be when I sent paper work showing that my XXXX account was paid and that I have never received any paper work from them. He told me he would send some out. 
On XXXX XXXX. XXXX I sent them a letter requesting information. I never heard anything from them. 
In XXXX XXXX I called regarding another matter I spoke with XXXX after finishing with this other matter XXXX asked me about the XXXX account, I advised her I was still disputing it and had sent in a letter requesting information. She told me she sees the letter I sent in XXXX. XXXX told me that they sent me what they were obligated to send me. 
I did not hear anything from them again until I was served with papers. I also believe by the paper work they sent to me and to the court that this debt is past the SOL as it shows the last activity was on XX/XX/XXXX
Consumer complaint received 2016-03-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (IL)

I was trying to get pre approved for a mortgage and saw a collection from CBNA in the amount of XXXX with no description of what is was in reference to and I 'd never seen this before and was never contacted in the past to settle this debt. The only contact info was PO Box and claim #
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

On XXXX/XXXX/15 I applied for a Sears Credit Card at the Sears store in XXXX, NC. I was told that I was denied. The next day, I received a rejection letter in the mail. In XX/XX/XXXX, I requested my credit report and was made aware of Sears reporting I have a credit card with them with a {$130.00} balance and past due amount of {$91.00}. I do not have a SEARS credit card ; nor owe them {$130.00}. I tried to get the information on my report corrected through the credit reporting agencies but they continue to report the information. So, I contacted Sears directly on XXXX/XXXX/15. Customer Service said there were XXXX cards and I was only denied XXXX. They said when they mailed out the card ; it was returned to them undeliverable. So, I asked Sears why are you reporting false information on my report if the credit card was returned to you undeliverable and I do not have a Sears credit card. The representative said they could n't contact me. I explained that if I received the rejection letter in the mail ; then i should have received a credit card that they claimed they sent. I did not move until XX/XX/XXXX and applied for the card on XX/XX/XXXX. Also, no one made an effort to call me. When i received the rejection letter in the mail ; I assumed i was not approved for the card. One rep would not take it off. I talked to another Rep and she said she would update my address, my report and send me the credit card. I have not received anything in the mail from them still and still have not been able to get this corrected on my credit report. SEARS is still reporting I owe {$130.00}, past due balance AND i do not have a credit card from them.
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NJ)

I applied for credit from Best Buy, to get their credit card which would entitle me to rewards and discounts. They approved me for reduced credit based upon what they said was my credit score ( XXXX ). Knowing this was a low score and my recent score was much higher I both pulled my score from all XXXX major reporting bureaus and wrote to them sending a full copy of my recent report which showed a minimum of XXXX points higher from the bureau they cited and over XXXX from another, and requested reconsideration. They said to call them. When I did they lied and said they never report a score to the consumer ( see their letter which contradicts this ), misrepresented their report and refused to correct their error. This refusal has cost me the cost of obtaining the report and will cost me both rewards and reduced interest rates on future purchases from this business. I understand this is their typical credit approval tactic and they consistently deny full credit, no matter how creditworthy an applicant may be. They also refused to provide a facsimile number so I could provide additional information
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (IN)

Citibank NA in conjunction with Best Buy stopped forwarding credit card statements and further disallowed me from accessing my account online. They state that my account has been closed for nonpayment but ratger than forwarding copies of my credit card statements, they have reissued me a card with Visa as opposed to MasterCard thus adding a tradeline on my credit report for an account that was already considered closed by them. They have done this without notifying me, the account holder, without issuing me a new card and completely refused to allow me online access to set up payments or review any credit card statements. I have been in touch with their Customer Service Department on more than XXXX occasion regarding this and, essentially, have been explained there is nothing they can or would be willing to do to remedy this situation, further delaying any payment they might receieve from me and, to their advantage, adding more interest and fees. 
I have also received various phone calls and messages from people claiming to be representing this financial institution and asking for personal bank account information over the telephone. As my mobile device has been hacked on more than XXXX occasion, and I am no longer receiving preferred, requested communications from them, there is a huge privacy concern regarding their method of operations for this purpose.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, I received a notice in the mail from my Home Depot account stating that I needed to use my card or my account would be closed. Not wanting to have my account closed, I made a small purchase of roughly {$45.00}. XX/XX/XXXX, I had updated all my account information after having moved. This was confirmed by the fact that I received the above mentioned notice in the mail at my new address. No statements have EVER been received via mail or email since the time of this purchase. At no time has an attempt to collect payment been made. While I realize I am responsible for this payment, the entire purpose of a statement is to ensure the customer is aware of what payments are in fact due and when they are due. Only while checking my credit score was I made aware that not only was I delinquent and being charged late fees for 5 months, a cease and desist was placed on my account by Citibank. This prevented ANY communication with us, which makes absolutely no sense. How else can they attempt to collect payment if they are n't allowed to contact us? This CA N'T possibly be proper procedure. My credit score has been RADICALLY effected by this and I need to get this taken care as soon as possible. We have attempted to take care of this with Citibank, but I do n't have full confidence that the matter will be appropriately dealt with. We paid the fees immediately in an effort to quickly resolve the problem and hope to be refunded for late fees at a later time. Citibank not having updated our account information correctly is the entire reason this happened. Any help I can get would be greatly appreciated.
Consumer complaint received 2017-01-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened a CitiBank XXXX Savings account with {$25000.00} on XXXX/XXXX/XXXX with new money to Citi. I opened the account under a special offer, which states that I will receive a {$300.00} cash bonus as long as the money is deposited between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. The deposit should also be maintained until XXXX/XXXX/XXXX. I met this requirement and kept the funds in the account until XXXX/XXXX/XXXX. After not receiving the funds, I opened a case with Citi on XXXX/XXXX/XXXX. The case number is XXXX. Since opening the case, I 've also spoken to several people who have been unable to help me. I 've spoken with XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, and XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. I do have screen shots of the account opening disclosures indicating the bonus has been added to the account and the terms and conditions. I have received very poor service from Citi. They have been unwilling to help me. They have also suggest going into a branch, which is impossible since there are none located in Ohio. I would like my account credited the {$300.00} that 's due to me.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XXXX XXXX, XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XXXX XXXX. The bills were sent to her address, and I can prove when I moved out in XXXX XXXX and I did not live with her, after XXXX XXXX. As of XXXX XXXX, XXXX ; The Statute of Limitation Law protects me as a consumer, the XXXX anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
Consumer complaint received 2016-10-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In my credit report shows the following hard credit inquiries that have never authorized : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Card ( XXXX/XXXX/XXXX ) XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) Please delete all credit inquiries that I do n't authorized.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 2016-06-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America Home Loan Servicing transferred servicing of my loan XXXX with a XXXX balance to XXXX 
After receipt of the transfer, XXXX claimed the loan was more than {$80000.00} past due. I have been disputing this debt since the alleged transfer. 

Bank of America in the capacity as servicer for the XXXX executed a trustee 's deed on XXXX XXXX, XXXX memorializing a completed foreclosure sale. 

I 've been litigating with Bank of America and XXXX since XXXX XXXX, XXXX. The lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, two years after the completed foreclosure sale, the trustee recorded a document entitled " Rescission of Substitute Trustee 's Sale and Cancellation of Substitute Trustee 's Deed ''. THIS DOCUMENT DID NOT REINSTATE THE LOAN. I HAVE NOT EXECUTED ANY AGREEMENTS TO REINSTATE THE LOAN. 

There had not been any collection activity on the loan between XXXX XXXX, XXXX ( foreclosure sale date ) and XXXX XXXX ( the date of transfer to XXXX ).
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OK)

I have paid nearly {$800.00} a month for XXXX Loans taken out during medical school. I graduated in XXXX. Since then I have decreased loan by only {$14000.00} according to Navient. And still owe nearly {$130000.00}. 

I am a XXXX XXXX vet. From XXXX XXXX XXXX.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

Filed for renewal of income-based in XXXX XXXX ( it is now XXXX XXXX ). Every time I contact them they say they need additional information because the information I sent is out of date. I have contacted them XXXX2 times per month since, and they always tell me something new and place my loan in forbearance. This is accumulating interested on a problem they refuse to fix. Now they are telling me that I am in school full time so the problem is fixed. I am NOT in school!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I have XXXX federal loans that Navient sold off to the XXXX out right over 1.5 years ago and they still report to creditors monthly that I have defaulted on these loans. I attempted to get this resolved several times with Navient but they just say that I need to pay more on my other private loans if I do not wanting them to report the information. I explain to the person on the phone that each loan is reported sperately and the reason I do not pay them for these loan is that they are no longer serviced by Navient but they inevitably transferring me around to a supervisor which says they are it is an automated system and I will need to fax them the information or they can not do anything about it. when I send the fax I receive a conformation page but they say it went to a different branch or the fax went to another floor, so they do n't have access to the information. Once the manager said they would call me back once they file was uploaded to my account but they never called back. So I assume it still has yet to be added to my account. I believe this inappropriate and in correct reporting by Navient is being done intentionally and has caused significant false financial and credit damage to me and my Father ( co-signer ). This past year I missed a lot of scholarship deadlines because they are falsely reporting that I am delinquent. Costing me thousands in possible financial Aid, grants and scholarships. In addition to the fact that they have illegally monthly report that I am not paying on these federal loans and that I am in Default, which has brought my credit report significantly down for the part year and a half. I have spoken numerous times With XXXX and they say there is nothing they can do about it except report accurately that I have a payment plan in place and I am activly paying on the loans. I have reached out to my school as well as XXXX of the XXXX credit reporting agency 's they can not do much either except tell me that it is illegal and advise me to keep working on it. I feel very frustrated with Navient and they 're illegal practices that no one seems to be holding them accountable for. It is targeting me at best and at worst having a incorrect reporting system in place, that they have known about, and destroying countless others financial future for personal gain at worst. Please help advise me about what else I can do. ( I do have documentation to support my claim )
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (NY)

PARDON THE CAPS, BUT I HAVE JUST GOTTEN OFF THE PHONE WITH DISCOVER, XXXX XXXX EVENING EST. THEY HAVE CONTINUED TO BE QUITE DENSE AND AM AT WHITS END AND REALLY AT THE END OF MY ROPE HERE. I HAVE XXXX MAJOR DOCUMENT WHICH IS MY XX/XX/XXXX YEAR END SUMMARY OF EXPENSES INCLUDING ALL CREDITS AND DEBITS WITH ALL ACTIVITIES FROM XXXX PREVIOUS CARDS CARRIED OVER AS TRANSFER BALANCES, THE TOTAL REFLECTS THE AMOUNT OF {$12000.00}. THIS AMOUNT WOULD BE ADDED TO BE XX/XX/XXXX OPENING BALANCE OF {$5600.00}, I WILL NOT ARGUE THAT. I CALLED DISCOVER WITH THIS CASE AND THEY SAID GO BY THE PAPER BILLS, SO WITH NO LIGHT AT THE END OF THE TUNNEL IN SITE, I DID AND PAINSTAKINGLY CALCULATED ALL CHARGES FROM XXXX PAPER MONTHLY STATEMENTS AND CAUGHT AN ERROR/OVERSIGHT ( ATTACHED ). MY OFFICIAL TOTAL SHOULD BE {$20000.00} FOR XX/XX/XXXX, FURTHER LESS CONSIDERING I MADE PAYMENTS IN XX/XX/XXXX WHICH IS A INDISPUTABLE {$19000.00}. THEY WILL NOT RECEIVE ANY PAYMENTS NOR WILL I INCUR ANY PENALTIES UNTIL THIS ADJUSTMENT IS MADE AS I HAVE GONE OFF THE PAPER MONTHLY STATEMENTS. YOU WILL FIND ALL OF THIS ATTACHED.