davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX are reporting incorrectly a collection in the amount of {$830.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had XXXX XXXX XXXX and was in the XXXX. During this same period of time my wife also had to have XXXX Both my wife and I were treated with participating providers with XXXX XXXX XXXX. We met all of our deductibles on the health care insurance plan and therefore there should not be any outstanding balance due. I have attached a copy of my insurance card for reference. First, I never received any Explanation of Benefits showing there was an outstanding balance due ; Second, it is outside the statute of limitations for XXXX XXXX XXXX to process this claim ; and Third, it is outside the statute of limitations for payment. This billing error was not my fault. XXXX XXXX XXXX insurance billing department should have properly remitted the paperwork. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted customer service at XXXX XXXX XXXX  as well as the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/2024 I made a call to Citizens bank to make a XXXX time payment towards to my Citizens mortgage using my Citizens XXXX  account. My monthly mortgage payment is paid via XXXX XXXX XXXX XXXXXXXX checking account. The representative was only provided my Citizens XXXX  account number for the XXXX time payment. But since both bank XXXX  accounts are listed, the representative ( XXXX ) wasnt paying attention and used my XXXX XXXX XXXXXXXX checking account for the XXXX time payment. This caused a $ XXXX overdraft in my XXXX XXXX XXXX  XXXX  account. By the time the transaction from XX/XX/XXXX had actually processed it was XX/XX/XXXX. I use my XXXX XXXX XXXX XXXX  account as my primary account to pay my monthly bills, all of which are on autopay. It was the first week of the month and I had no money in my account. I thankfully had some money in my XXXX  XXXX XXXX XXXX account and was quickly able to transfer money to my XXXX  account to pay all my bills. I knew it would take time to investigate what happened and I couldnt wait for nor rely on Citizens to fix the issue. I spoke to a few people at Citizens ( XXXX, XXXX and XXXX XXXX. They didnt seem to understand the severity of the issue. They kept saying dont worry you have a few more weeks until your Citizen monthly mortgage payment is due. My Citizens monthly mortgage payment was the least of my concerns. I kept asking if Citizens would have paid my other bills ( HOA, internet, cable, cell ) if they werent able to fix the issue immediately and no one had a response. In the end, the transfer of money from my XXXX XXXX XXXXXXXX XXXX account to XXXX  account fixed the issue. I didnt trust Citizens to reverse everything correctly to process it from the Citizens XXXX account. It was also going to force me to provide additional documentation and the level of stress and time I spent fixing the issue myself was already too much.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

I started paying my parent plus loan in XX/XX/XXXX. I pay {$100.00} a month and never late.just sent another payment to be paid XX/XX/XXXX. I received a letter stating I was placed in a forbearance plan dated XX/XX/XXXX with my loan balances un changed loan 1 {$5200.00} dated XX/XX/XXXX and loan 2 {$240000.00} dated XX/XX/XXXX. When I called XX/XX/XXXX and explained that I did not ask to be on a forbearance plan and to correct my account so that my payments of {$100.00} are still going towards principal and interest she stated because my adult child re-enrolled in school which has nothing to do with me they automatically placed me in forbearance. I asked her to correct this and change my account back to how I was paying {$100.00} monthly to go to principal and interest because I have nothing to do with her going back to school or her loans. The young lady hung up on me. I went to website and sent a email and no contact or response from Aiddvantage as of today XX/XX/XXXX. I want them to go back and correct my account information and report correctly to the credit bureau showing I pay my payments on time every month. As of today my credit reort shows I am not making any payments on this loan.
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (FL)

I have previously complained about Ideal Collection Services and their client XXXX XXXX. Fortunately, Ideal Collection Services have removed from other bureaus except XXXX. 

XXXX property finally admitted to the XXXX  ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at Ideal Collection Services and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that XXXX  had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that XXXX  was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Credence resource management has initiated a debt collection for {$1600.00} an att account i have never had attt and it has affected credit ratings etc. first thing i did was contact my id protections and froze credit agencies. How do i fix this? all my accounts are sending me alerts! Looking online this comapany has done this to many people going back years and yet they can continue? Where is the watch dogs to stop this?
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC (CA)

I remember I answered a phone call ( on my cell phone ), while I was driving. The phone number of caller is XXXX. The caller identified herself as, " XXXX ''. She claimed she is calling from the Law Firm of Maury Cobb. " XXXX '' claimed I owe {$290.00} to XXXX. I knew her claim is FRAUD. I knew that XXXX cell phone number was deactivated and transferred to XXXX. The date was XX/XX/year>. The entire account was transferred on that date.
Consumer complaint received 2020-07-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a Citibank Priority Checking account under their promotional offer of {$700.00} cash bonus with a {$50000.00} deposit. 

On XX/XX/XXXX, I applied online to open 3 accounts with Citibank, one being a Checking account under this promotional offer I received a packet in the mail with all three account numbers. I attempted several times to fax the signature card, but never was able to receive confirmation so I ended up mailing the signature card and IRS W-9 Form. I was not able to fund my checking account via ACH ( from XXXX to Citibank ). I called a Citibank customer service about the problems funding my checking account and was told to WAIT until I received my ATM debit card. 

On XX/XX/XXXX, I received an email from a Citi employee about my signature card. I responded, and asked if my ATM card had been mailed yet. I did not receive a reply about the ATM card. 

On XX/XX/XXXX, I received an email my Accelerated Savings account was open. There was a note my ATM card would be mailed within 5 business days. ( Note, I did not have any issues funding the Savings account from XXXX to Citibank ). 

When I finally received my ATM card that for some reason Citi required to fund my Checking account online, I didn't have the PIN number also needed. Citi told me this PIN was mailed separately. 

When I received the PIN number I promptly transferred {$50000.00} into the Citi checking account. 

I maintained over {$50000.00} in the accounts I had with Citi for the required 60 days. 

After 90 additional days, I still did not receive my {$700.00} cash bonus. 

I contacted Citi, they claim I did not make my deposit within the 30 day timeframe, that my deposit was on day 31. A supervisor gave me the same excuse. The supervisor told me an appeal would take 45-90 business days. 

Citibank used surreptitious business practices to delay a consumer 's ability to promptly fund a qualifying account in a timely manner, thus denying a promised cash bonus. 

*Citibank provided a fax number that did not work *Citibank delayed providing needed ATM card *Citibank delayed providing needed ATM PIN number *Citibank provided inadequate communication regarding account Signed, XXXX
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I am writing to file a formal complaint against CitiBank XXXX concerning my secured credit card account. I have been a customer for nearly XXXX years and opted to close my account using the secured collateral to settle any remaining balance. At the time of closure, I was informed that there were no outstanding balances on my account. 

Despite these assurances and being a paperless customer who routinely checked my account online, several months later, I was surprised to find a balance of over {$110.00} on my account. This balance was not only unexpected but also included negative remarks on my credit report. Upon contacting CitiBank via phonethe only customer service method available to meI was unable to obtain a clear explanation or itemization of these charges. The customer service representatives stated that they could only send a statement via mail, which I was told could further negatively impact my credit report due to the time required to mail. 

I have since paid the full amount, despite not understanding what the charges entailed, under confirmation number XXXX, in an effort to mitigate further damage to my credit score. However, I am concerned that my account may not be settled in full and am troubled by the lack of transparency and accessibility in resolving this matter.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX CT XXXX, VA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (VA)

I had a Citi AAdvantage Platinum Select credit card. I received a statement for the billing period XX/XX/20 - XX/XX/20 that had a balance of {$350.00}. Payment due date was XX/XX/20. I attempted to make the full payment on XX/XX/20. However the credit card company credited the payment on XX/XX/20 and charged me a late payment fees of {$25.00} and interest of {$4.00}. I called Citicard in XXXX and attempted to get the late charges and interest charges removed. The representative said that he was having 'system ' problems and he would take care of it. I requested that my account be closed and he closed my account. In my account statement of XX/XX/20 - XX/XX/20 the late payment charge and interest charge was still there and the balance owed was {$30.00}. I assumed that this would be removed as the representative had told me and the account would be closed. 

In the account statement covering period XX/XX/20 - XX/XX/20 another late payment charge of {$25.00} was added with interest of XXXX cents for a grand balance of {$56.00}. I called today and spoke to a representative and explained the problem that this account had been closed a couple of months back after i had paid the full amount and the Citi representative that time had agreed to remove the late charges and close the account. Instead of removing another late payment charge of {$25.00} had been added plus XXXX cents of interest. This representative attempted to help but was unable to because the 'system ' would not let him. He escalated this up to someone who escalated this further up but to no avail. The 'system ' would not let them remove the 2 late charges of {$25.00} each plus the accumulated interest. This whole process took half a day of my time. So my complaint is about this imaginary 'system ' that allows Citi to get away by imposing late charges on late charges. I attempted to close the account after paying the balance in full 2 months ago and here I am still owing Citicard.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (AZ)

I called a few days ago to open disputes for ( 2 ) unauthorized transactions on my Milestone Cashback credit card in the amounts of : {$150.00} and {$270.00}. I confirmed with the representative these were the only ( 2 ) unrecognized charges. After logging into my account, I noticed my account was credited for both transactions, plus an additional transaction of {$320.00} that I did NOT report as fraudulent. I immediately called support to cancel, as this charge was from my landlord ( for rent ) I did NOT ask Milestone to chargeback that transaction. 

Supervisor XXXX confirmed a request was sent to disputes to cancel the transaction, and acknowledged it was not included in my original report but was somehow credited to my card with the other charges. He also stated it was not possible to confirm this in writing ( via email ), but assured me it was a temporary credit from Milestone ( not taken from the merchant ) and they should be able to cancel the dispute before the merchant is notified ( within less than one week ). 

Im submitting this report to document that Milestone disputed this valid charge without my permission and ensure the claim is cancelled for this ( 1 ) charge I did NOT report as fraudulent ASAP.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

account Balance and last payment made is Not correct, also account does Not belong to me because I had identity theft happened to me before, I filed police report for that problem about identity theft Please I need deep investigation and remove this account that does not belong to me Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (KS)

XX/XX/2024 -- An XXXX XXXX crew member handed me the application for an AAdvantage Aviator XXXX XXXX XXXX The promotion number XXXX -- XXXX bonus miles. Based in Delaware. 
XXXX XXXX, XXXX  -- applied for the credit card online. The request was " denied. '' We have never been denied and have a high credit rating. I gave up trying to call someone. 
XX/XX/XXXX -- received a letter stating the company needed personal data -- SS #, Photo ID, copy of checking acct or utility bill with my name & address. 
XX/XX/XXXX -- Mailed form with the flier explaining I had tried online. Only four days later XXXX. XXXX, I received a letter stating " Too many recent applications. '' After 4-5 transfer calls, " specialist '' and focused on latest application. He said to make copies of the three pieces of personal data asked in the XXXX. XXXX letter. My bank faxed the requested info. the next day. 
I received another letter requesting the data and I called a " Specialist '' who said to make clear copies and send registered mail to their XXXX, Delaware XXXX XXXX XXXX 
XX/XX/XXXX -- sent the data again through registered mail. 
XX/XX/XXXX -- received another letter wanting my ID, which I had sent twice. 
XX/XX/XXXX -- Asked several reps to cancel my application. I said I wanted confirmation that it was canceled through email and asked what happens to my ID. The last " Specialist '' got defensive and said another dept. handled that. When I asked to speak to someone who could verify that my ID was destroyed, she said it wasn't possible to speak to someone else. I'm very frustrated with the delay tactics and not comfortable with this company holding on to my personal information.
Consumer complaint received 2024-05-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

Please provide me with the written contract between me and Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis for this debt. If you can't provide the written contract document between me and Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis that I owe this debt please remove it from my credit report. Also, this company is not licensed in Alabama to recover any debt from a resident of Alabama ( proof attached ). I don't owe anything to accent midtown, that is not my signature nor did I live there. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have try to dispute this information on my credit report and they say that is verfied by a third-party company watch is illegal according to 5 U.S. Code 552a - Records maintained on individuals.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$3900.00}, {$2200.00}, {$1200.00}, {$700.00}, {$1100.00}, {$2800.00}, {$930.00}, {$18000.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

8. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$930.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, I deposited via mobile App image my paycheck in the amount of {$1500.00}. This paycheck is from an employer that I have been working for since XX/XX/XXXX. The bank has infomed me they have placed a hold on the depsited item for 10 days so that they may be able to verify the integrity of the deposit. 

I spoke with the bank, and subsequently escalated my concern to a suprevisor, where I was told there was nothing they could do to hasten the verification of the deposit.