davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

I have held Commercial Revolving Charge card with Home Depot since XXXX. Citibank is the servicer for the Home Depot cards in additional to many other retailers. 
My credit is excellent in the XXXX range and even so there have been times over the years I have been late with a payment to various entities. If that ever occurred, I always apologized and paid a late fee. Im careful in financial management and most always pay the full amount of a charged balance on each statement. Normally, I would never take the time to write a complaint letter requesting for government investigation, but in this case : I believe CitiBank Card Services engages in intentional billing errors with the purpose of generating additional revenue by unjustly collecting late fees, finance charges and high interest charges. I believe their collection staff is trained to unnecessarily intimidate and harass customers to confiscate unjust charges. 
If Citibank has done what happened to me as noted below, how many other people have they taken advantage of? 
XXXX XXXX was due XX/XX/XXXX in the amount of {$990.00}. Payment was issued and mailed on XX/XX/XXXX. The following XXXX XXXX reflected the payment of {$990.00} was processed on XX/XX/XXXX and Home Depot added a late fee of {$29.00}. XX/XX/XXXX was a SUNDAY and the USPS does not deliver mail to businesses on weekends, thus Citibank had to have received the payment on or by the due date of Friday, XX/XX/XXXX. I called Home Depot and spoke with a kind representative who agreed and said the {$29.00} fee which I did not pay, would be waived. 
Then in XXXX I received a collection call from Home Depot, I immediately returned the call and reached the most unprofessional, rude representative Ive ever dealt with XXXX from Texas who then sent me to XXXX ID # XXXX. I politely explained the circumstances then she unleashed and claimed I never called the first time and basically stated, I was a liar, late payer and irresponsible cardholder. She demanded I now pay {$73.00} which she said was the new balance. I had not received any statement reflecting a {$73.00} balance and requested a faxed copy. The conversation became heated, I became very angry and I told her to cancel the XXXX XXXX XXXX XXXX XXXX 
Days later on XX/XX/XXXX at XXXXXXXX XXXX  CitiBank faxed me a copy of the XXXX and XXXX Statements. The XXXX XXXX had the previous {$29.00} XXXX a {$1.00} finance charge and another {$29.00} late fee, for a total balance due of {$59.00}. The XXXX XXXX reflected the accumulated {$59.00} balance for unjust charges plus an additional {$40.00} late fee which was credited back and a legitimate {$14.00} charge for goods. I paid the entire balance of {$73.00} including the compounded late fees and finance charge on XX/XX/XXXX. DONE and the account is closed by the Consumer which adversely effects my good credit.
Consumer complaint received 2015-08-25
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AES/PHEAA (AR)

I am a cosigner for my son 's student loan and he is 21 days past due with AES. They repeatedly call my daughter regarding this debt. She only has a cell phone and they call her during working hours. I requested they stop harassing her and stop using her number but they say as long as the payment is due they will call her.
Consumer complaint received 2016-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

I was informed in early XXXX that my loans would go into repayment soon because my school notified the clearinghouse that I went below part time when I in fact did not. I have been enrolled part time since 2014. I called my school 's financial aid department and filled out an enrollment verification and the clearinghouse should have been updated of my part time status. I was provided with a copy of the verification. I received an email last week stating my AES account was still delinquent. They informed me that they were never made aware of my part time status and that to their knowledge I was still attending under part time. I spoke with a woman on the phone who said that my account could be deferred and that I would have to sign a paper coming in the mail. AES proceeded to deduct {$300.00} from my account the following day. I expressed to them in prior conversations that I am enrolled in school and am currently unemployed and can not afford to pay my loans at the moment and they still deducted money anyway. I was told by AES that I signed an authorization a few years ago allowing them to auto debit my account. My other qualm with this whole issue is that I was under the impression that I go into repayment 6 months after classes end, if they were made aware that I was no longer part time ( even though I am ), why was I not afforded that 6 month grace period? My checking account was overdrawn leaving me in a precarious situation with XXXX children to care for and living on XXXX income.
Consumer complaint received 2016-10-05
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION (CA)

XXXX, CA. I was contact on my phone with a basic threat about a payday loan stating that I had been officially notified. This call was from a woman, not XXXX XXXX. I then call the number to XXXX ( That is what he said the name of company was ) and spoke to a man named XXXX XXXX. His phone number is XXXX. He told me I owed a payday loan and said the amount owed is {$510.00}. He gave me a case number. On XX/XX/2016 they debited my account for {$85.00}. On XX/XX/2016 they tried to debit another {$85.00}. I then received a call from XXXX XXXX stating the charge was refused by my bank. He told me to call my bank to see what the problem was. When I contacted the bank they stated they do not debt any thing over {$50.00} to the state of New York because of all of the fraudulent things coming from there. When I returned XXXX XXXX call and told him what my bank stated he ten said " Well we will take out {$45.00} today XX/XX/2016 and {$40.00} on XX/XX/2016 ''. This makes 2 payments of {$85.00} that they have received. This leaves 4 more payments of XXXX which they will break down in 2 payments each. The thing that raised a red flag with me is that XXXX XXXX is in XXXX but their payment department is in XXXX. The fact that XXXX XXXX actually answers his own phone and does not go through a secretary, with this suppose to be a Law firm seems rather fishy to me. Please help me resolve this. Thank you. XX/XX/2016
Consumer complaint received 2016-09-01
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Zakheim Law Group, P.A. (FL)

On XXXX XXXX, XXXX I have received a letter in the mail, informing me of the fact that XXXX has retained an attorney firm Zakheim and Lavrar of XXXX, FL in order to collect a debt in the amount of {$8700.00}. 

Later on XXXX, XXXX I have been served with a summons which states that a law suit was filed against me. 
The summons also states the I had 20 days to respond to this notice or to dispute the debt. 
I filed response to complaint denouncing the claim. 

No other communication has been received from the creditors attorney. They had disappeared until on XXXX XXXX, XXXX, without any warning or additional correspondence I have received a letter informing me that a Judgement in the amount of {$9200.00} has been entered against me. Said letter also threatened to to begin the process of enforcement of said judgement in form of wage and bank accounts garnishments. 

No hearing notices were ever serviced to me. 

An offer to settle was then mailed to me on on XXXX XXXX, XXXX, but because I was thinking of hiring an attorney I left it unanswered and then due to a number of significant changes in my household arrangements related to my children moving in with me, and increased expenses due to that, and having to retain an attorney to represent me in a child support modification case, this slipped my mind. 

In XXXX, XXXX XXXX the collector have filed a writ of garnishment against my wages Immediately upon receiving the correspondence containing the copy of the writ I responded with the Head of Household exemption claim dated XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX The representative of XXXX ( Collector ) files an affidavit where they contest my claim of exemption. 

On XXXX XXXX, XXXX Court issues a notice of dissolution of writ of garnishment. 

however on XXXX XXXX, XXXX a an order setting setting hearing is issued with regards to my claim of exemption. 

Not only do the collector misrepresented the fact that they have not communicated as required by law, now this case became even more confusing. I had no choice but to hire an attorney. 

My attorney has attempted to cancel the hearing set for XXXX XXXX, XXXX however it ended up just being rescheduled for XXXX XXXX, XXXX Given that we have been issued a letter of writ dissolution, I was advised by my attorney to ignore further hearing as they are most likely set due to a clerical error, so I will follow the professional advise, however I am totally confused and worried about the situation and really need help resolving this matter. 

Thank you.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 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 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Balanced {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX Balanced {$1800.00} XXXXXXXX XXXX XXXX XXXX Balanced {$790.00} XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2016-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Enterprise Systems, Inc. (NM)

National Enterprise Systems is attempting to collect on my student loans while they are in the process of being forgiven. NES is also adding an XXXX $ collection fee. I have also filed a complaint against XXXX collection agency who is attempting the same thing. That case number is XXXX
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC (AZ)

Have been called several times by this company saying I still owe money on an account. I paid the account off in 2006 and told them that. Continues to call me despite the account being paid off over 10 years ago and past statute of limitations.
Consumer complaint received 2016-02-22
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (CA)

Sallie Mae, took a scheduled payment out on the wrong day, I called and let them know. They looked back to the phone call where I scheduled the payment initially. They acknowleged they were in the wrong. Refunded me my payment ( which took over a month to get back as a check in mail ) Then apologized and said they 'd make a " case '' with customer service to bring my account up to date and just move forward with my auto debit payments. 4 Months later I start recieving multiple phone calls a day collecting for the payment they assured would be resolved. 
I told them to look at their contact records and notes on my account. Surely they 'd see that they told me theyd resolve the issue. The costumer service rep agreed that theyd told me prior that theyd attempt to fix the issue but that it wasnt guarantied. I was upset and told them I wasnt going to pay 4 months later for their mistake and that they can continue to auto debit from my account. Now one of my loans shows past due each month because of that payment. Now theyre calling my cosigner ( Grandparents ) every hour on the hour 7 days a week till late in the evening. It 's borderline harassment.
Consumer complaint received 2020-06-09
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. (NY)

There is a XXXX XXXX XXXX XXXX Account on my credit report that was opened fraudulently. I was not the one that opened this account. I have attached my FTC report.
Consumer complaint received 2016-08-09
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Account Control Technology, Inc. (TX)

I was told by Account Control Technology, that they were contracted by XXXX XXXX XXXX to collect delinquent student loans. I was to pay XXXX for seven years and after that the rest of my student loan would be forgiven. They called it the forgiveness program. I 'm a XXXX Veteran and my wife and were trying to purchase a home, to discover the negative student loan on my credit report. I called the FSA they told me no money had been paid on my loan EVER! I 'm XXXX years old and I ca n't start over again. These people have robbed me of XXXX dollars that they deducted out of my account ( ACH ). Now I have no way of getting my money back, I ca n't afford an attorney and my wife and I may have to move because we are occupying the house we wished to purchase. The owners are wanting to sell ASAP. I 'm at a loss. Can you help me?
Consumer complaint received 2015-05-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My name is XXXX XXXX, and I am in foreclosure with The Bank Of New York Mellon. 
My loan number is XXXX and the law firm representing the banks file number is XXXX. The law firm is XXXX and their address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX I submitted a XXXX page QWR to the law firm that represents the bank, and I have not received any response. Please look into this for me.. 
Thank you for your consideration.. XXXX XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (MO)

On XX/XX/2016 I submitted a complaint about my student loan with Sallie Mae bank. The case number to XXXX is XXXX. I do not believe the response from the company was truthful. In their review of the case Sallie Mae referenced XXXX phone calls that were on recorded lines, XXXX was on XX/XX/2016 and XXXX on XX/XX/2016 On these phone calls the company said that they did not intend to harass me or my parents into making payment and the " consequences '' of not making a payment. They furthermore said that the representative informed me that that both loans would not be included in my repayment plan which they did not. I am writing to request Unedited Transcripts or recordings of these phone calls be sent to me directly. I believe that would settle the issue of wrongdoing.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am an American Express ( AMEX ) customer. Prior to XXXX 2015, I made a hotel reservation through the AMEX XXXX ( XXXX ) web portal. Sometime in XXXX 2015, AMEX revised and remodeled the XXXX web portal in a manner that made prior reservations inaccessible to its customers and its AMEX Travel customer service unit. I was advised by AMEX Travel personnel that my reservation was irretrievable. Accordingly, I was led to believe my reservation was purged, erased and/or " lost. '' Months later I was charged a " no-show '' penalty by the hotel because it alleges the reservation was never cancelled, despite representations by AMEX travel that the reservation was " lost. '' I disputed the charge and AMEX has insisted that it is a valid charge. AMEX has consistently refused to acknowledge its responsibility for the penalty charge. I incurred the charge as a result of AMEX 's profound negligence, or as the result of a conspiracy of AMEX and its hotel partners to defraud and deceive its customers and impose frivolous, fraudulently incurred penalty charges when no services were rendered. I was given no opportunity to avoid imposition of such fraudulent charges. I have attached a letter I sent to AMEX that provides background on how AMEX 's negligent and/or fraudulent conduct resulted in an unlawful penalty charge that I was required to pay just to protect my consumer credit profile.
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of Midland Funding LLC filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by XXXX, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. XXXX XXXX acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that XXXX entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called XXXX law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. XXXX in fact was overpaid and collected monies from my Michigan state income tax and my wages.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (LA)

MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

THERE IS A INQUIRE ON MY CREDIT REPORT THAT DONT BELONG TO ME AND I WROTE TO THE COMPANY AND ASKED THEM TO SEND ME PROOF THAT I MADE THIS INQUIRE AND THEY FAILED TO DO SO
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX XXXX Balanced {$750.00} XXXX XXXX XXXXXXXX XXXX Balanced {$6300.00} XXXX XXXX Balanced {$0.00}