davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Dear Mr. XXXX, this is another follow up to initial CFPB, case # XXXX and case # XXXX. Since you haven't answered questions in my previous submission, I have to submit another complaint. 

I will start with a bottom line : I looked on the internet - the US Treasury and US Department of State web sites - and to my knowledge there are no sanctions placed on XXXX as a country, only on selected individuals and companies undermining dependence of XXXX and its territorial integrity. Overall, the US acts as an ally to XXXX helping to combat XXXX 's aggressive behavior. 

Mr. XXXX, I have to inquire again : please, provide a name, a number and a date of the sanction/Executive Order/other document, which directs CITI BANK to not open account for me, a citizen of XXXX. 

Please, familiarize yourself with a full list of sanctions. 
From XXXX Department XXXX XXXX, XXXX : //www.state.gov/XXXX   XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Additional Persons Contributing to the Situation in XXXX XX/XX/XXXX : Executive Order XXXX ; Blocking Property of Certain Persons and Prohibiting Certain Transactions With Respect to the XXXX XXXX XXXX XXXX Executive Order XXXX was issued on XX/XX/XXXX and authorized the imposition of sanctions on individuals and entities determined to be responsible for or complicit in malicious cyber-enabled activities that result in enumerated harms ... 
Executive Order XXXX issued on XX/XX/XXXX, amends EO XXXX. E.O. XXXX focuses on specific harms caused by significant malicious cyber-enabled activities, and directs the Secretary of the Treasury ( ... ) to impose sanctions on those persons he determines to be responsible for or complicit in activities leading to such harms. 

You can review information about sanctions here : https : //www.treasury.gov/XXXX You can see a complete list of people under sanctions here : https : //www.treasury.gov/XXXX I would be happy to schedule a call with you and discuss this in details - so far my call have been unanswered. 

Thanks for your time.
Consumer complaint received 2018-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2017 I sent a XXXX payment for {$1100.00} to my landlord through my bank fifth third. A week later my land lord asked for a late payment as they never received the amount. For almost 1 year I have been chasing this down with my bank and XXXX to find my funds as my bank only tells me they have been " delivered ''. They were never sent to my land lord and I have not been able to locate these funds. My bank only tells me that they can't do anything else as they as showing that in their system even though no one has t he funds. I opened numerous cases with no resolution and my bank finally said they had to close the cases because of FDIC regulations This has gone on for so long and I really need to find my funds! Please help!
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I received a letter from XXXX, XXXX XXXX XXXX XXXX, XXXX in regards to XXXX XXXXXXXX XXXX XXXX stating that they wanted to collect on this loan on behalf of Navient. I went to XXXX XXXX  from XXXX to XXXX. I was approached by Navient in XXXX to pay a debt of {$10000.00}. Navient called me night and day and harassed me. They representatives lied and told me that I was responsible for this loan because it was part of my Stafford loan. I was so scared at the time because I did not want to have it affect my credit. They used fear, shame, and annoyance tactic to get me to pay on this loan. I still do not recognize this loan. I made payments at the time under the guise that the balance was part of my Stafford loan. I have 12 federal loans with Navient at the time. When I discovered that I have no recollection of the loan, I demanded a copy of my original loan paper, I never received the original and was told that it was a transferred loan. 

Currently, I have obtained legal counsel and wrote to XXXX, XXXX XXXX XXXX XXXX, XXXX demanding the original loan document and for the statue of limitation of the original document. I do not acknowledge these two creditors and the original loan 's statue of limitation ran out in since XXXX.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A. (MN)

I held a credit card with Citibank for which an annual fee was billed to me on XX/XX/2018. A couple of weeks later ( on or around XX/XX/XXXX) I discovered that Citibank had unilaterally closed all of my accounts with the bank.

When I called Citibank to discuss the annual fee after learning my account had been closed, the representative informed me that since the account was closed within thirty days of the fee being billed, the fee would be automatically refunded.

When the following statement came with the amount still listed as past due, I promptly called Citi and a representative assured me the refund would be issued on my next statement. Of course, that didn't happen either and when the next statement came, I was pretty upset to see the amount still being billed to me.

As a result of my next call to Citibank Customer Service on XX/XX/XXXX, I was informed that " since the account was closed, the membership fee will be credited within 1-2 billing cycles. '' My latest statement still showed the amount past due, but since the previous phone rep had quoted me at 1-2 billing cycles it seemed pointless and unnecessary to call customer service again.

I happened to log into my online account this evening for an unrelated matter, however, and saw a notice that the account in question is now being sent to collections.

I have attached my statements related to this account since this issue began ; however, please note that Citi 's statements do not accurately reflect that the account is closed. Each statement shows an available credit limit of {$5000.00}. Therefore I am also attaching a screenshot from my online account that correctly indicates the account is closed.
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My tax return had the incorrect account number on it. We noticed as soon as it was filed and contacted the IRS but they said that the bank is required to return the funds if the name on the account does not match the name on the deposit. The day the funds were deposited to the account XX/XX/2018 in the amount of {$4600.00}, I contacted the bank and they said that there was nothing they can do to return the funds since it went into an open and active account, they said I need to contact the IRS to reclaim the funds, once they receive the request from the IRS they could return it. So I did that. The IRS sent the request to have the funds returned however the bank responded stating that the account owner has already used the funds. I understand the incorrect account number was input on my tax return however those funds should have been placed on hold as soon as I contacted the bank so that the account owner could not use those funds. If the bank would have done their due diligence and placed the hold when I contacted them they would have been able to return MY funds to the IRS.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Consumer complaint received 2024-11-20
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. (PA)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2024-11-18
Product: Credit reporting 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. (FL)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consume
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (NC)

I have a credit card with XXXX XXXX and have asked them not to get calling my place of employment when I didn't give them the phone number. They called my employer today XX/XX/2018 twice and then employer asked them to stop calling also.
Consumer complaint received 2024-11-18
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. (MI)

In accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my federal protected and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX  XXXX account number XXXXXXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, Dep of ED/XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX . account number XXXX, XXXX XXXX XXXX. account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX account number XXXX, Dpt OF EDXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX  account number XXXX, DPT edXXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX, Dpt ed/XXXX account number XXXX. However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-20
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. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-07
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: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid 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: BANK OF THE WEST (CO)

I mailed two disputes to bank of the west. Im not satisfied with the purchases on my credit card except {$100.00} to XXXX and {$10.00} to XXXX XXXX. They ignored my letter and wont investigate. I didnt make purchases except those two. I thought my husband did because he made me give him a card but i dont know for sure because bank of the west wont give me the credit card slips or videos of when it was used. I want it investigated. They ignored my letter and are still trying to collect. Im supposed to send the letter within 60 days of when i get a statement but i was promised a statement a week ago by the manager of the local branch and im still waiting. I dont have an itemized list of purchases.
Consumer complaint received 2018-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

Select Port Folio my mortgage servicer recently reported XX/XX/2018 my mortgage being 30-60 days delinquent. There is a {$550.00} advance that was disbursed to pay association dues that were delinquent prior to my mortgage assumption.

They reported the advance being delinquent and I've been set up on a monthly pay plan to reimburse Select Port Folio for the advance. This incorrect reporting for the advance is reflecting the mortgage being delinquent has affected my credit rating.
Consumer complaint received 2018-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

XX/XX/2018 I tried opening an account with USAA I had previous relationship with them when I used to have an Auto Insurance policy with them. Was told that my online account was under review and to call back next week. On XX/XX/2018 on called to USAA security department was told that I was clear and that they found nothing wrong with my account and transferred to new member services to open up a checking account. I was told by them that my account was still locked and that they were not going to open up a checking account with me and never stated a reason why? later phone call would stated that my previous military services was the reason why I was denied an account. None of that was ever discuss in our previous phone call.
Consumer complaint received 2018-07-11
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: PNC Bank N.A. (IL)

I recognize that XXXX XXXX submitted unauthorized inquiries on my credit for financing 16 times.

PNC Bank is one of the companies that was solicited. 
I contacted XXXX XXXX and spoke with XXXX, who identified himself as the Manger.

He refused to help.

It is unfair that they did this. It has lowered my credit score by 200 points.
Consumer complaint received 2024-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

These accounts & inquiries are incorrect since i do not recognize them, please investigate them and delete them : Accounts : XXXX XXXX Account number : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 
Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$230.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX : {$21.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$580.00} Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$370.00} Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX  Account : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX XXXX XXXX Account number : XXXX Balance : {$1600.00} Date opened : XX/XX/XXXX XXXX  Date opened : XX/XX/XXXX XXXX Date opened : XX/XX/XXXX TransUnion XXXX Account number : XXXX Balance : {$3800.00} Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Transunion COLLECTION ( Original Creditor : XXXX ) Account number : XXXX Balance : {$950.00} Date opened : XX/XX/XXXX COLLECTION ( Original Creditor : Collection ) Account number : XXXX Balance : {$600.00} Date opened : XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-18
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-18
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. (OH)

I have been a victim of identity theft. I have noticed some unauthorized accounts on my credit reports I did not benefit from. I was a victim in the XXXX XXXX data breach, the XXXX data breach, a hospital breach, and the XXXX data breach. This is also hurting my chances at obtaining a mortgage. I need this fraudulent account removed immediately.
Consumer complaint received 2024-11-18
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. (LA)

I am a victim of XXXXXXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$310.00} INQUIRIES : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX