davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On XX/XX/2020, Citi sent me a letter saying they would be closing my accounts on XX/XX/2020. They specifically stated, " Your account will close on XX/XX/2020 and any Citibank ATM or debit cards for this account ( s ) will be canceled 5 days before. '' On XX/XX/2020 I attempted to withdraw the funds from my account and received an error. 
I attempted the same again on XX/XX/2020, and got the same error. 

I called Citi at XXXX seeking clarification and to resolve this issue. 
I spoke to XXXX and asked why I could not transfer funds between my Citi accounts. XXXX said the Business Support Unit put the block on the account. And that while there was nothing she could do, she would transfer me. 

She transferred me to XXXX at XXXX. XXXX said there was a soft block on the account placed by the branch and no funds transfers would be honored. XXXX said to call a branch because she did not have access to the block. and put me in touch with the closest open branch to me which was 278 miles and 4 hours away from me in XXXX, FL. 

I spoke with the branch manager there named XXXX. She put me on hold for an hour only to let me know there was nothing that could be done. But if I called XXXX they could help me. XXXX is the phone number of a California cable company. I tried speaking to a fourth Citi representative named XXXX, but was told the same thing, nothing could be done. 

This is a clear case of a bait and switch and Citi acting in bad faith. After explicitly saying, in writing, the account would remain open until XX/XX/XXXX, and asking me to withdraw funds before then, they blocked the ability to do so and are currently holding {$270000.00} of my funds XXXX. 

I repeatedly communicated with 4 different Citi representatives over the course of 3 hours on the phone trying to explain that they committed in writing to closing my account on XX/XX/XXXX and they asked me to withdraw my funds before then. 

I had initiated external payment requests because of their written representation. I repeatedly mentioned that if Citi held the funds, and denied the external payments requests I initiated, there would be significant financial damages sustained by me because of Citi 's clear example of bad faith by committing in writing to closing the account on XX/XX/XXXX, but then locking my funds on XX/XX/XXXX. 

Each day I don't have access to my funds, the damages are further increased.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (PA)

I have no idea if this is about a credit card but I had to choose an option. 

TD Bank is fraudulently withdrawing funds from my XXXX XXXX  account. 

I do not have any accounts with TD Bank - no bank account, no credit card, no debit card, no loan, nothing. 

On XX/XX/20 there was a fraudulent withdrawal from TD Bank for {$3.00} from my XXXX XXXX  account. I informed both TD Bank and XXXX XXXX  that these charges are fraudulent and should not be permitted, as I do not have any accounts with TD Bank. Now there is another fraudulent charge from TD Bank, of {$6.00}, on XX/XX/XXXX.
Consumer complaint received 2020-04-22
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. (FL)

I closed on my house on the XXXX XXXX and had a settlement statement shown paid to XXXX XXXX. After numerous attempts to have them report this to my credit they have not. 

Throughout the loan which the purchased from XXXX they added amounts even up to to {$190.00} late to payment on the final amount. 

They are draconian and should be reprimanded. 

They have invalid late payments on my record also. 

Please have them report paid and closed and remove bad invalid reports.
Consumer complaint received 2020-04-22
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. (GA)

03 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Experian Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX   XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  : XXXX Account Name : XXXX  XXXX  XXXX  account number # XXXX dated open XXXX/XXXX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX XXXX  File Number:XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX   XXXX  XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX  XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Account XXXX XXXX  XXXX   XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA 30809-XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA 30043-XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX  XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXMULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXMULTIFAMILY ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

I'm writing because I have a private student loan held by Aspire Servicing Center ( XXXX XXXX XXXX, IA XXXX ; XXXX ; Customer Service : ( XXXX ) XXXX ). I have asked for a 6-month forbearance and 0 % interest rate until XX/XX/XXXX, because of COVID-19 stay-at-home orders in my state ( California ) and county/city XXXX XXXX XXXX. My request was refused on XX/XX/XXXX. The refusal response to my request included this information : The loans we ( Aspire Servicing Center ) service are not federally held ( owned by the U.S. Department of Education )  and do not qualify for this relief. 

Please, would you fight for private student loan relief? 

I'm sure there are many people in this country with private student loans who are suffering like me. For those of us who are unemployed, furloughed, or are paying bills on reduced hours, please stand up to greedy companies like Aspire Servicing Center before people, en masse, default on their private student loans. 

Thank you for all that you do for the working poor like me.
Consumer complaint received 2020-04-22
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. (VA)

On XX/XX/2020, the President signed the CARES Act, which in part provided protection for student loan borrowers from institutions taking negative actions relative to repayment. On XX/XX/2020, I received a letter from XXXX indicating it would halt all payments due until XX/XX/2020. On XX/XX/2020, I received an alert from XXXX stating that XXXX placed a negative remark on my TransUnion, XXXX, and XXXX  credit profile, which caused my credit score to fall considerably. The negative remark basically stated that I was 30 days late in making my payment. 

On XX/XX/2020, I sent an email to XXXX  to remind them of their commitment to forego all payments due until XX/XX/2020 based on the guidelines in the CARES Act. I also requested that XXXX remove all negative remarks that were placed on my credit profile immediately. 

I am an unemployed veteran who has been out of work for over two years. I do not have the ability to repay the school loans due to a lack of income, and do not foresee being in a position to do so anytime soon. I would appreciate it if someone from CFPB would intervene on my behalf and contact XXXX  regarding this matter. Thank you.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

The FTC suggested I contact the Consumer Financial Protection Bureau, which has given me instructions which I am now following. 

The problem started with the theft of my identity in XXXX. Under the suggestion of the FTC, I placed credit freezes on three credit reporting agencies : XXXX XXXX, XXXX  XXXX XXXX and Experian. I eventually removed the freezes from XXXX XXXX and XXXX  very easily by simply phoning them, but Experian has proved impossible to remove. 

Recently I had the issue come up again while trying to apply for a credit card. I called Experian and received recorded messages of the steps to take. Per recorded instructions, I sent a cover letter with the information requested, along with copies of two bills to verify my utility accounts and my current address. I mailed this via USPS on XX/XX/XXXX. 

I have not been informed as to whether Experian received my request or whether my request to lift the freeze has been granted. 

I have spent endless hours online and on the phone trying to get help removing the freeze. Unfortunately, I can not remove the freeze online without first becoming a paid member of Experian. To me, this is a scam. 

I promise you, I am more tech savvy than most, and have tried for years every potential lead online and telephone number, as well as snail mail, to have Experians freeze liftedto no avail. 

Please help! 

PS. I have tried to include the two bills mentioned in my cover letter attached here ; your " Select a file to upload '' is not cooperating. However the cover letter I mailed to Experian includes those two items for proof of address, which I sent via USPS.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

freecreditreport.com a part of the Experian company has locked me out my account and will not send me the reset information or email to log into the account to get access to my annual credit report.I have already had to file complaints against Experian directly for similar issues with them refusing to provide login information on another one of their platforms. They still have not resolved that matter and now have blocked my access to all reports and information regarding my credit and credit reports. Email address on file with them is XXXX for this website.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CrossCountry Mortgage LLC (IL)

On XX/XX/year> ( XX/XX/year>XXXX   ) Cross Country Mortgage ran a Hard inquiry for a home loan without my authorization. I was told by XXXX XXXX several times in writing that her company WILL NOT run a Hard inquiry until we had finalized the loan, her company runs soft credit checks to gather information. 

I filled out a VA home loan request in which Cross Country Mortgage ran a hard inquiry for an FHA loan, then her company ran my credit again making that 2 hard credit pulls without ANY authorization! I was told by XXXX XXXX she would have those hard inquiries removed and she never did. 

I requested a copy of the report her company pulled, and she refused to send me that information as well as refusing to give me the rates for the FHA loan her company put together when she ran my credit for the first time without authorization. 

I had a co-worker recommend Cross Country Mortgage to me because he used this company for his VA home loan. I was told by Cross Country Mortgage they had ran my credit. I was very upset, I told them I was VERY upset and told them I was busy, I would call them back when I got off the phone with the VA. 

During that time XXXX XXXX discussed MY Home Loan information, my details, my credit worthiness and personal information with my co-worker again without my authorization. Then this company told me to go with another mortgage company and refused to assist me anymore after they had violated my trust, my private personal information and hurt my credit. 

I am requesting that the Hard inquires on XXXX, XXXX, and XXXX be removed from my credit report for the following reasons : 1. This hard inquiry was Unauthorized.

2. This company gave out personal information to a third party without authorization.

3. This company refused to give me the results of the inquiry.

4. Cross Country Mortgage refused to remove hard inquires from All three ( 3 ) credit bureaus when requested. 

A. 1 inquiry on XXXX XX/XX/year>XXXX  B. 1 inquiry on XXXX XX/XX/year>XXXX  XXXX 1 inquiry on XXXX XXXX XX/XX/year> XXXX 2 inquiries on XXXX XX/XX/year>, XX/XX/year>XXXX  I have requested the APR and mortgage information 7 times with XXXX XXXX, and she has refused or given an excuse every time. She has not given me the numbers they ran that day. 

To qualify for a VA home loan I needed a credit score of XXXX, I had the credit score, even if I didn't qualify for a VA Loan Cross Country Mortgage should have contacted me so I could have authorized a hard pull on my credit to see if I wanted to use a FHA Loan and give up all the benefit 's a VA Loan has to offer and to give up what I fought hard to earn. I didn't suffer in XXXX  to have my VA loan thrown aside because your employee made a mistake, a VA Loan is a lot better than a FHA Loan. It just doesn't make sense what your company tried to do.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

All lates should have had a good will done to remove lates and negatives off my report Reported amount by Capitol 1 do not have accurate balance due. They still did not give me credit for the {$200.00} security deposit.

This has caused me to lose my house.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following Transunion Credit Bureau : Inquiries : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX I did not authorize anyone employed by these Transunion to make any inquiry and view my credit report.
Consumer complaint received 2023-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (VA)

Over a year ago, XX/XX/XXXX of XXXX, I made a {$700.00} payment on a credit card issued by Comenity Bank, a card I had been using for a number of years. I shortly discontinued the card with Comenity Bank and paid off the remaining balance. Comenity Bank claimed at the time and subsequently, that I had not made that {$700.00} payment. They could not find the check, apparently. Finally, after I had sent them proof of Comenity receiving the payment digitally from my bank here in XXXX, Va., Comenity Bank sent me a letter, dated XX/XX/XXXX of this year, acknowledging the payment had been made, a letter I will attach to this complaint. While communicating with Comenity Bank about this dispute, they have continued to send me statements claiming I still owe a balance of {$680.00} on this credit card account, despite their dispute department sending me the letter indicating I was not responsible for the questioned payment of last XXXX. I will also attach the last letter I sent to them about this issue. Also attached will be their latest statement sent to me in the past few weeks. In short, Comenity Bank continues to send me statements for an account that has since been closed and by their own admission I am no longer responsible for any balance. 
The address I have used to communicate with Comenity Bank is on the letter I have attached : Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX The payments made are sent to a different address in Texas : XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2020-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have been trying to buy food pets supplies mattress from a XXXX online nothing was working for 2 weeks now. I have order several orders online all been declined saying I need to register my card its currently activated I order a new card thinking it was my old card problem .so I order a new one activated it then and it's still saying the same issues card information doesn't match but it does match I've changed it 3 time to match card nothing working at XXXX an spokes to them to is it their system or your fault I dont know
Consumer complaint received 2020-04-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XX/XX/XXXX, I was in my local branch of Fifth Third bank where I am an account holder requesting a cash advance on my credit card. A manager overheard me speaking with the teller and offered to open me a line of credit instead. He suggested a XXXX limit and I agreed. I had the line of credit that day. In XX/XX/XXXX I received the attached letter from Fifth Third suspending my line of credit. As I was not aware of any changes to my credit history, I went to the local branch and spoke with the manager. He immediately checked my credit in is office and agreed there were no changes and asked me for the letter so he could research it. The following week, having heard nothing, I called the manager, XXXX XXXX. He told me the reason for the suspension was that I 'had used a large amount of my credit line '. I then asked him for the letter back and he said he would find it and call me back. A week later when I called, I was told the letter was " shredded ''. I asked him to get me another copy, and after waiting several weeks I contacted XXXX XXXX on XXXX XXXX at Fifth Third headquarters who said she was working on getting me a copy. I finally received the attached copy several days later. I then contacted XXXX XXXX  XXXX  as the Fifth Third letter recommended and requested a copy of my credit report ( attached ). The credit report showed NONE of the factors referenced in the Fifth Third letter. I then called Fifth Thirds lending department in XXXX to ask about the discrepancy and was told I could not dispute the suspension even if it was in error. On XX/XX/XXXX I sent the attached letter certified mail to Fifth Third and received confirmation it was from the US Post office. ( receipt attached ). Almost three weeks later I had not received a response to my letter and called Fifth Third again on XX/XX/XXXX at XXXX XXXX  and spoke with XXXX who referred me to her manager XXXX. XXXX confirmed they had received the letter and that it had been assigned to case manager XXXX. She told me he was on another call but took my phone number and said he would call me as soon as he finished. I have not heard from anyone at Fifth Third.
Consumer complaint received 2020-04-18
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: Experian Information Solutions Inc. (CA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by Experian Credit Bureau and inquiries are listed below. 

Inquiries : 1. XXXX XXXX XXXX XXXX 2. XXXX  XXXX XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX  XXXX 5. XXXX XXXX  XXXX 6. XXXX  XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Consumer Reporting Agency ( CRA ) created a consumer report utilizing my names, which intellectual property are the private property of my Irrevocable Trust, without my written authorization or consent and is furnishing information from that unauthorized consumer report - information that was collected under false pretenses - to banks and other lenders, which has resulted in adverse actions that have caused serous harm. The CRA is in violation of the Trust law, the Fair Credit Reporting Act and federal intellectual property statutes.
Consumer complaint received 2020-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On the XXXX of XX/XX/2020 XXXX XXXX  send me a letter telling me that they inform Transunion to delete XXXX XXXX  hard inquiry on my credit report ( See attachment ). Till this moment TransUnion still have this hard inquiry on my credit report