davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (WA)

In XX/XX/XXXX I received a collection notice from Consumer Protection Agency notifying me that there was a bill in my name that had been placed into collection. As I had never received an original bill, I immediately called all parties to inquire. The " creditor '' known as XXXX did not have record of me when I called. I referenced the account number I was given by the credit agency as well as my full name. Still no record. I then sent a certified letter to Consumer Protection Agency requesting a copy of the original bill so I could investigate further. I never received a response. 3 years passed with no notices of any kind. Then in XX/XX/XXXX I received a letter from a different agency ( Credit Collection Services ) notifying me of the same " debt. '' Seems the first agency may have sold the debt to the second agency. Again, I wrote a letter to CCS disputing the debt and requesting they provide me with a copy of the original bill. Again, no response. 2 years passed with no notices. In XX/XX/XXXX I received an alert from my credit bureau saying that a " major derogatory '' had been placed in my credit file for same " debt. '' I do not owe this debt.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

I disputed a XXXX/XXXX/XXXX charge for {$350.00} to my credit card account by letter to my Credit Card Company on XXXX/XXXX/XXXX. The charge was credited back to my account and a dispute opened. I responded to form letters from my Credit Card Company providing the requested information : ( 1 ) form XXXX date XXXX/XXXX/XXXX -response XXXX/XXXX/XXXX, ( 2 ) form XXXX date XXXX/XXXX/XXXX - response date XXXX/XXXX/XXXX, and ( 3 ) form XXXX date XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX form letter provided response from the merchant and requested a " new letter addressing the merchant 's documentation '' to be returned by XXXX/XXXX/XXXX. My credit card account was rebilled by my Credit Card Company for the {$350.00} on XXXX/XXXX/XXXX because " it was determined to be a valid charge. '' My response letter required extensive research and analysis, and was mailed to my Credit Card Company on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a form letter form my Credit Card Company dated XXXX/XXXX/XXXX reporting non-receipt of my response to their XXXX/XXXX/XXXX letter and informing me that the investigation is complete since they did not receive a response and that my account had been rebilled for the disputed amount. On XXXX/XXXX/XXXX I mailed a letter to my Credit Card Company retransmitting the XXXX/XXXX/XXXX response and requesting the dispute be reopened. I then received a XXXX/XXXX/XXXX form letter from my Credit Card Company stating that they have " no further recourse in this matter and can not obtain credit on your behalf. Our investigation remains closed. '' Thus my dispute was closed and the disputed amount charged to my account 9 days after the date of the letter which gave me 20 days in which to respond - my response was mailed 14 days into the allowed response period, and my Credit Card Company denied having received my response 8 days after it was mailed and had not been found some 11 days later. It is a travesty that my Credit Card Company can not or will not timely evaluate information provided by their customer that is critical to my dispute. It is a breach of their responsibility to efficiently process disputes when they are unable or unwilling to timely receive and connect information to the relevant dispute and to process that information in the interest of justice. It is a violation of the dispute process to rebill the disputed amount and close the dispute before the date they request me to respond. The dispute provision is meaningless when the disputed amount is released to the merchant before the customer has adequate time to provide evidence of the validity of the dispute.
Consumer complaint received 2015-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

CitiMortgage is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to CitiMortgage, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I sent my personal and exact information from all 3 bureaus back to them via certified mailing and waiting to receive an update on my credit report to remove all negative and improper information on my credit report using the FCRA law that is illegal to gather my personal information for things that are unrecognized and selling information that arent opened to me actively and unable to apply to future loans and purchases for my FICO and/or credit score via XXXX. Dates from XXXX to XXXX with auto, credit cards, hard inquiries, and late payments inaccuracies are unavailable of receipts from these companies. I need a change of my credit report even as closed with monetary relief should be accounted for with my report status.
Consumer complaint received 2015-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (TX)

My wife and I are in the process of getting a home equity loan from XXXX XXXX Mortgage and they requested that we get an ARM statement from CitiFinancial loan # XXXX explain what our interest would be after XXXX/XXXX/2020 because it was not stated on our statement. They also wanted to know why we had past due payment on our account. So, when I contacted CitiFinancial to request the information they told me that the past due payment we due to late payment ; which were suppose to have been forgiven. They said that they need 7 days to check into it and it 's been 14 working day as of today. As for the ARM statement they said that they received my account from XXXX and they did not know, but could give me an rate of 5 %. That is what it is currently. I asked if they could email or mail me that information in writing and they told me they do not submit it in writing. I have been told that a XXXX XXXX and XXXX XXXX are the working on case, but when reaching out to them I get no response
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This account is a direct result of true identity theft, this company is in direct violation of FCRA 1681c-2, which prevents the reporting of fraudulent accounts for which this is inaccurate reporting and a violation of the law and my consumer rights. Furthermore, this company refused to provide me with the original contract they claimed that i signed, they also refused to provide me with the picture identification card used to open this account so that i could asist the investigating officer of my identity theft case. Additionally, FCRA 605B instructs credit bureaus to BLOCK the aforementioned accounts within 72 hours of being notified in which TRANSUNION, XXXX, AND XXXX IS BOUND TO DO BY MANDATE OF LEGISLATIVE LAWTHAT GOVERNS SUCH POLICY AND PROCEEDURES. THIS IS NOT A *DISPUTE REQUEST. THIS IS A REMINDER THAT THEY MUST ADHERE TO THE GOVERNING APPLICABLE LAWS MENTIONED HEREIN! 

IVE INCLUDED AS ATTACHMENTS MY POLICE REPORT, MY PROOF OF XXXX  SHOWING THAT I WAS IN XXXX AT THE TIME THIS ACCOUNT WAS OPENED.
Consumer complaint received 2015-10-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (NC)

For the past year, I have been attempting to have Citibank update the status of XXXX loans they previously held. These loans were disbursed to me in XXXX, when i was a student XXXX XXXX XXXX XXXX in XXXX, NC. These loans defaulted in XXXX, after I graduated XXXX and had a very hard time finding a job. At the time, I was barely making enough to pay my rent, utilities, and buy food. These loans transferred to XXXX other lenders. 
During XXXX and XXXX, I completed rehabilitation programs for all of my defaulted student loans. I also paid off XXXX of the loans that was previously owned by Citibank. I did so with the guidance of an advisor at a local credit counseling nonprofit. She suggested I reach out to Citibank after completing all rehabilitations, to request that the status of these loans be updated to paid on my credit report. Both lenders ( XXXX Funds and XXXX XXXX XXXX XXXX XXXX updated the status of loans on my credit report. However, after many requests and promises to update my loan status, Citibank has not done so. 
I started by calling last fall and speaking to a representative. They assured me that If I obtained letters from XXXX Funds and the XXXX XXXX XXXX XXXX, Citibank would update my credit report status to paid and rehabilitated. I mailed these documents in XXXX XXXX, and received a reply from Citibank in XXXX XXXX indicating that they received my request and would update my account with all XXXX credit agencies. Nothing happened. 
I called and then sent another request by mail in XXXX XXXX. I got another reply that the status of my old loans would be updated, but still nothing happened. Since then, I have talked to several Citibank representatives who gave me false hope. These loans both have a delinquent status on my credit report. 
I have consolidated all of my remaining student loans under the servicer XXXX. These Citibank loans are the only negative mark on my credit report. They are listed as last late 5.1 years ago. I 've tried so hard to repair the damage I did to my credit and financial future by letting my student loans default. My fiance and I are hoping to buy our first home this year, but we are waiting for my credit to improve. I would be so grateful if Citibank would remove the negative status of these accounts. We do n't want to wait two more years for these loans to disappear from my credit report before we can move forward with our financial goals. I would greatly appreciate any help with this matter. I 'm attaching all of the mailed correspondences between Citibank and myself. 

Thank you!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MD)

I am one of the people that was encourage to go into forbearance, but not told there was a limit to forbearance. My loan has ballooned to over XXXX, and I am being charged interest on the interest. And now, being told I have used up deferment and forbearance. I can not even begin to make this payment at this point, but only have hardship option which I do not meet. I am now being harassed with calls daily, and not helped by them at all. I have tried to consolidate but can not get anyone on the phone for this- I was given a phone and told to register but there it stopped. I do not know what else I can possibly do. Help! Please! I am being harassed.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was ordering airplane tickets on XXXX when this popup stated if I applied for a credit card I would get {$100.00} off on my tickets. I had already picked out my dates, entered the names birthdates, seating and bag information. I was at the payment phase when the popup displayed. So I took advantage of the offer but when I completed the credit form it did n't take me back to check my order when I was approved. It just checked me out and charged the card. I never got a card number or a phone number to call. When I saw my confirmation it changed the flight day to the day I bought the tickets. Allegiant terms of services said 24-hour notification or no refund. I could not call or reach anyone and we started getting notifications that the plane was ready to leave. I tried to cancel the return ticket and it never fully canceled and notified us to board the plane for a return. I still do not know the card number or who to call. XXXX does n't have a phone number on their website. I sent an email with no reply. I think I now have a debt of {$700.00} for something I never ordered. I picked XX/XX/XXXX and it changed it at checkout to XX/XX/XXXX of the same day. I feel I was frauded because of their 24-hour cancellation policy. I can provide the PDF confirmation. But it only shows the last four digits.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I opened an account in apx XX/XX/XXXX and was told due to my credit history I needed a Opportunity Checking and had to pay a monthly maintance fee for 12 months. I agreed and once I completed 12 months in good standings my checking account was converted to a normal checking account with out monthly fees. XX/XX/XXXX I got a phone call from a fraud unit officer asking if I had knowledge of someone from out of state depositing a large check into my account. I stated no, they told me I was possibly hacked and they would research and call me back. I was called a few days later told yahoo or somewhere had a large breach and my account was compromised. I was told my account would be closed and I could just have a new one opened. I went to start the process of having one open and now im being told that I owe Webster money from XX/XX/XXXX. They are unable to tell me why or any details. I am told I need a Opportunity checking again and I have to pay a monthly fee. I disputed this because I do not agree that I owe money to Webster. I also pointed out I have had a open account for almost 2 years in good standings. The manager said he was going to call me back but never did, when I called back he did no research and said he thought he already told me I need a opportunity checking, I said yes and I disagreed asking for that to be fixed. I called customer service and asked the manager on more than 3 request to have the office of the president or corporate call me to discus this issue and I was refused to be able to speak with anyone. I told the manager I would be filing a complaint and he said go ahead.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (FL)

I have previously disputed my student loan due to the inaccuracy of debt amount being reported and the numerous debts too. I want validation and verification as to the amount in dispute and validation for the numerous multiple Navient loans which is being reported. I have not taken out this many loans ever. Please delete these account immediately as it is in accurate in amount along with the these accounts are being reported multiple times on all three of my credit reported. If for some reason the account is verified and validated, please send me the name of the person who provided the information and the method in which it was investigated. In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] "
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MA)

I opened a TD Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account. 

95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time. 

The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back. 

I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf. 

A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution. 

Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available. 

This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the TD Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls. 

This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with TD Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Hello, this mediCal debt was given to me without my ok.this Dr showed up to my room and looked at me. I asked him if he accepted my insurance and he said he 's not sure. And I told him do not examine me if your not sure. He examined me anyway. This happened well over XXXX 6 years ago at the XXXX hospital. I have tried to contact this Dr XXXX and I receive no response. Please respond to this message as soon as possible. Thanks.
Consumer complaint received 2023-05-08
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: Sequium Asset Solutions, LLC (NY)

On XX/XX/XXXX my bank informed that XXXX XXXX score had changed in which my score was decreased due to degoratory report from this company ( Sequium Asset Solution .XXXX ) this company had sent a report to credit reporting companies ( XXXX XXXX XXXX XXXX XXXX XXXX  ) that I was in collection. I never had a relation with this company before. This report made my credit score down. I had sent a dispute on credit reporting company execept XXXX due computer difficulties. 
it states that opened the account on XX/XX/2023 and update the balance on XX/XX/ for {$650.00} in which I am unawared.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I was a XXXX XXXX student, at the end of school was given a consolidation with sallie mae- no other program was available. They took XXXX loans ( 1 per year ) and made subsidized and the other one unsubsidized.Why? so I could never re-consolidate soemwhere else-I found out! At the school the financial officer there was a representative from Sallie Mae only. I was given no grace period by Sallie Mae- dispute having to await passing my professional state boards for licensure. I was told to forebear at a significant cost to me. I was married at the time to a fellow student so we had XXXX student loans in effect from Sallie mae. also at the time I had XXXX during my last years of school. My only options were always forbearance- since I was told I did nto qualify for anything else-I had incurred late fees and high interest as result. My original loan was around XXXX that over the years was re-payed at 4-5 times that amount to excessive fees. If I managed to pay twice in one month they advanced the payment instead of applying it to lower my interest and principal. I begged for relief and better programs- daily calling them, and consistently found that what I had agreed to by phone- if I failed to follow up and check- was inaccurate and Not what I agreed to. This created a lot of letters to Sallie Mae in complaints- to no avail. I suffered a XXXX XXXX and again went though their " relief '' program which was only forbearance and late fees. My XXXX- and so the XXXX benefit I later received from that I later took and paid off Sallie Mae in /around 2010 at XXXX at a time I even had to move into my office since I had no place to live. Because of the financial hardships with Sallie Mae, my marriage also ended. My credit report has been a nightmare and very difficult to correct the mis-information that Sallie Mae provided to the XXXX XXXX. Since it shows late, closed and sold, and multiple Sallie Mae accounts that I have to explain to mortgage companies etc. Thus, I used my XXXX rights to benefit to just pay them off. My credit report shows Multiple accounts with Sallie Mae- errors that I cant get them to correct such as : - ACCOUNT TRANSFERED TO ANOTHER OFFICE- STUDENT LOAN PAYMENT DEFERRED- ACCOUNT TRANSFERRED OR SOLD- CURRENT ACCOUNT this makes up about 30 % of my credit score! I must not be alone in this unfair business practice of Sallie Mae and wanted my voice to be heard.