davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MI)

My credit card is current. It is significantly below the credit limit. Citibank declined my card for a {$360.00} purchase. I was embarrassed at the store and with the clerk. I had to return home to locate a different credit card and return to the store to complete the purchase. Citibank denied the card was declined. The representative was unable to help me other than deny they declined the purchase, which was a lie.
Consumer complaint received 2022-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had made a payment on my due date but after the cut off time to be posted on the due date. I had never been late before and hence never requested the refund of the late fee. I have been furloughed due to XXXX and was trying to explain it to the customer service representative and the supervisor. The were not understanding and been rude about that they cant do anything about the refund. Additional to that I have been charged the minimum interest charge of XXXX cents each month ever since starting XX/XX/XXXX. Was trying to explain it to service representative but was getting something about that i get charged the fee no matter what because of the transaction I made. I told the representative I did a balance transfer and had not done any purchases ever since and was meeting my minimum payment requirement and hence should not had been charged the fee especially if I am paying the amount in full by the due date. The supervisor was flat out rude and the service representative was asking why do I want the refund of late fee? Really? Why do one even ask for a late fee refund? What kind of question it is? The late fee was charged on XX/XX/XXXX. The additional minimum interest charge was charged on the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had called in XXXX twice. The second time was on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX. I would like to get the refund of {$29.00} late fee and the minimum interest charge fees of {$1.00} as the representative could let even explain how and why did I got fees.
Consumer complaint received 2020-09-10
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. (FL)

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, Equifax, and XXXX are reporting accounts that are not mine and are allowing these collection agencies report false information.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

I do not understand how I owe so much money to XXXX/Navient. Upon graduating i owed over XXXX due to the insane amount of interest. XXXX had never disclosed the amount of money that i would owe upon graduation and I too like many others am suffering from an insane amount of student loan debt. Luckily, i was able to consolidate some of my loan debt elsewhere but still owe an astronomical amount of money due to their Unfair practices. Please help me understand why I owe so much money and lead me to the right place to get rid of some of the debt I owe. I will never be able to pay off these loans even with the amount of money I make now. Why do I have to suffer when I did the right thing and went to school for more education and finished and got a job. XXXX/Navient and all others really take advantage of young borrowers.I attended XXXX as well as XXXX University.
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I regularly deposit paychecks in XXXX XXXX ( XXXX ) into my Citibank bank account. Citibank first deposits the checks as if they had been made out in USD. Then they correct the amount by subtracting the difference. However, they do this before making the deposited amount available. They typically hold an excessive XXXX weeks before making the amount available. Where do the get the money for the difference? They deduct it from the balance already in the checking account, rather than adjusting the deposit amount. This has created an overdraft and left me without my own money on two occasions. Citibank has first refused, then relented, on two occasions, to waive the overdraft fee.
Consumer complaint received 2023-03-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (CA)

On XXXX, XX/XX/2023, I received a credit monitoring notification of a " major derogatory '' reported to the credit bureaus, in the form of " Collections '' on behalf of I.C. System, Inc. with an address of XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. The amount of the " major derogatory '' credit report Collections notification is {$630.00}. 

1 ) I was not made aware of the debt, and for {$630.00}, I could have paid the amount immediately.

2 ) I was not made aware of the debt having gone to collections ; again, I could have paid the amount immediately.

3 ) I was not provided due diligence in determining if the account is mine ; what company I owed money ( if a real debt ) ; nor an opportunity to dispute with the company and/or collection agency.

Under the Fair Credit Reporting Act ( FCRA ), the three ( 3 ) above mentioned points should have been provided.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CA)

I discovered that I was a victim of identity theft and promptly contacted the debt collection company by filling in their affidavid and supplying information that the debt did not belong to me. 

This was for unpaid apartment debt of {$7000.00} in XXXX Nevada, incurred by a person using my SSN and name. I have never lived, visited or have any contact in Nevada. As part of the information that I sent to National Credit Systems ( the debt collector ) on Friday XXXX of XXXX was a police report, and evidence ( utility bills ) of residence of my home here in XXXX XXXX California proving the debt does not belong to me. The information has also been sent by certified mail, to the debt collector. XXXX XXXX XXXX : XXXX XXXX XXXX. Today, XX/XX/XXXX I have received a threatening letter from XXXX XXXX XXXX XXXX XXXX, seeking to collect this debt from me despite her having in her possession documents that prove that the debt is a result of Identity theft, and stating that she has furnished information to credit reporting agencies. I have just spent the last few days working with these agencies to remove the false information to restore my credit rating and she is now reversing it downwards, in a threatening manner. This is clearly intimidation tactics to pay for debt that doesn't belong to me. The company is National Credit Systems , Inc XXXX GA XXXX
Consumer complaint received 2022-02-08
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. (NC)

TransUnion will not allow me to get a credit report online or dispute. When mailing, they won't respond. They are continuing to report inaccurate information. Every time I call to speak with a representative im on hold for extended periods of time.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX ar XXXX XXXX. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 days,XXXX  120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (PA)

I asked Citibank for a payment history of my Student Loan. I have called Citibank several times asking for the payment history from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2015-04-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NV)

School : The XXXX XXXX College XXXX XXXXLocation : XXXX, MAIt is very difficult to make extra payments to just the principle of my loan. I wait until the day my monthly payment is deducted so the accrued interest is zero, or at its lowest. However, then there are additional challenges such as fees to make the payment instantly online ( {$1.00} ), a percent fee to make it over the phone ( for a {$1000.00} payment the fee was going to be {$49.00} ), or errors with their online fee scheduling program insisting I select that I am making the payment on behalf of someone else. While the fee for instant payment online was low, it was still present, and I would have had to call the loan servicer at a later date once the payment was processed to direct the payment to go towards the specific loan I intended. It was not until I sounded very angry and frustrated was I then told I could give them the confirmation code immediately to request the payment be applied to the loan of my choosing. It appears that my loan company intentionally creates confusing, extra steps and expenses to borrowers from being able to make additional payments, especially applied to only the principle.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX ar XXXX p.m. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 dayXX/XX/XXXX 120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from Equifax ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Consumer complaint received 2018-03-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (DE)

I received a phone call on XX/XX/XXXXregarding this debt. I attempted to offer a settlement and was bullied by XXXX XXXX. I informed her that I may be able to make a payment but was unsure. On XX/XX/XXXX, I called XXXX XXXX to inform her that I now had the needed funds and would like to make a payment. At that time she became verbally aggressive. Stating that she told me to pay a month ago. She used harsh language and her tone was much less than professional. I requested to be transferred to a supervisor and was told no. I requested again to be transferred to a supervisor, at that time XXXX XXXX said No I will not let you speak to anyone you need to make this payment in full today I asked why she was being so rude. XXXX XXXX then hung up on me. I called back and asked the person who answered the phone to speak with a supervisor. I was transferred to XXXX XXXX. Initially he refused to identify himself. He too became verbally aggressive. Im simply trying to pay my debt. I am not calling to be ridiculed or chastised by people who will not take the time to have a conversation and provide needed information. I was talked down to, yelled at, and hung up on. I have recorded all of the conversations.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX ar XXXX p.m. I reached out to XXXX after discovering they have reported a total of 72 lates on my credit report ( 18 accounts showing late 4 times each ). I spoke to XXXX whom then transferred me to Supervisor XXXX. XXXX XXXX stated XXXX is sending proof of payments. A few days later I received a copy of my payment history XXXX sent me ( included in this submission ). The payment history shows a deferment ( this area is marked with a * on the payment history ) during the dates ( XX/XX/XXXX 90 daysXX/XX/XXXX 120 days, XX/XX/XXXX 90 days, XX/XX/XXXX 120 days ) XXXX reported me late. I called XXXX back and was told a law prohibits them from changing a credit reporting and I have to dispute with the credit bureaus. I proceeded to do just that the end of XX/XX/XXXX by sending the payment history received from XXXX with my request. The credit bureaus refused to correct the file giving the reason XXXX is verifying the incorrect reporting as being correct. I placed 3 more disputes there after while continuing to contact XXXX. Nothing was corrected. In XX/XX/XXXX I hired an attorney to assist with this issue. My attorney sent a letter ( attached ) to XXXX ( and ccd all three credit bureaus ) along with the payment history ( attached ) requesting the information be corrected. On XX/XX/XXXX XXXX replied ( attached ) they do not have to investigate 3rd party requests. I then received a letter from XXXX ( via mail ) on XX/XX/XXXX stating XXXX verified the current reporting as accurate ( again ). These late payments on my credit report is NOT accurate as evident in the payment history sent to me directly from XXXX. It is imperative this erroneous information is corrected ASAP as it is contributing to a great financial strain on my family.
Consumer complaint received 2017-01-03
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: World Acceptance Corporation (GA)

I paid my loan off within the 30 days before the interest was attached to the loan. I went in and paid cash to the loan officer. the money was n't ever credit to my account. when I asked about the lady that took my money, they advised that she no longer works there. when I talked to the manager she stated that she will make sure I will not have anything negative reported on my credit. due to the fact that my money came up missing
Consumer complaint received 2023-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America business bank account was restricted on XX/XX/2023 due to their own random suspicions. I made a deposit on XX/XX/2023 of {$81000.00} via check. It was placed on a hold and on the morning my funds were released my account was frozen. The check was issued via XXXX XXXX me and my client went to a local branch and confirmed everything is fine on their end. Prior to that I called bank of america 's customer service and spoke to 7-8 different agents that couldn't do anything but subliminally accuse me of fraud. I visited the my local branch ( XXXX, NJ ) times and was left hanging as well. I feel like I've been robbed of almost XXXXXXXX XXXX
Consumer complaint received 2023-03-16
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: Bread Financial Holdings, Inc. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for the purpose.
Consumer complaint received 2020-10-03
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated (WI)

Can not use card at store ( says invalid transaction ), can not call auto phone number ( message says they can not access my account at this time ), i called customer service number and person on the phone says they can not access my account info and to call back at another time then said " to have a good night. '' I kept the person on the phone asking what was going on, he kept telling me the system was goung through an update, then changed to the techs were working on the problem. When i brought up that my fear is the system was hacked they hing up on me. Every time i call it sounds like the same person answers and he gives the same information.
Consumer complaint received 2024-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

MOHELA is my loan servicer. I called MOHELA to find out if my payments for each month would go towards my PSLF timeline as I am a government employee. They indicated that because my loan is in forbearance, any payments made while in forbearance are not eligible for PSLF. They indicated that my loan would need to be changed to the repayment status in order for payments to count towards PSLF. I then requested to have my loan status be taken from forbearance and changed to in repayment. They told me this change would take 78 days to take effect. I was notified that payments made during the transition would not count for PSLF and while it is transitioning out of forbearance, I should not make any payments. I then received a bill from MOHELA in the first week of XXXX stating I need to make a payment of {$260.00}. I checked my loan status at this point and it still said in forbearance. I then called MOHELA and asked why I am being asked to pay if my loan is in forbearance when I was told to not make a payment until the change is in effect. They stated to me to not worry about it and not to pay it. They also stated the balance would just carry over and stay the same, not add up each month of the transition time. They DID NOT indicate that the balance would increase and I would show as delinquent in my payments. They told me this would not happen but it did. I owe {$530.00} and am showing delinquency of missed payment. They misled me with information which is resulting in me owing more and making an impact on my credit report. They did not say that during the transition, that the monthly payment would continue to add up. Ultimately this means that when I am in the repayment status, I will owe for all the previous months the transition was taking place in and still be showing as delinquent. I clearly was misled by the company and feel this is a form a fraud to extort more money out of money with misinformation. They also stated I would be emailed with notification that my student loan is officially in repayment. I got no notification of this and was left under the impression that I am still in forbearance, considering the fact that it had not been 78 days since the request and I did not receive any form of notification.
Consumer complaint received 2023-03-16
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.