davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (NY)

I opened a credit card with XXXX, which they offered with FNBO bank. I've made all my payments timely. This past summer we were advised that the partnership with the XXXX parties would be ending. I received an email that advised that I would have to call and make my payments directly to bank as the feature was being removed from the greenlight app. My first payment amount that I needed to pay was on the APP. 
I called to make my first payment, and I asked the representative about how the card being closed would affect my credit- I was told that the credit bureaus were informed of the situation and that my credit would not be affected. I was also told that statements would be going out with balance & payment amount due for the following month. I have not received that information. I received 2 emails from the loss prevention/collections department from the bank stating I am behind- I have made payments to them each month since the closure of the card. I've called in payments, so I am confused by these emails. I called and spoke with a customer service rep and then a supervisor named XXXX because I now being told that the payment structure, fees, etc have changed and my monthly payment is now over {$500.00} a month. I never received any paperwork from the bank stating these changes. When I called to make my {$320.00} payment, I was not informed that I was underpaying or that my payment had changed and they moved my account into collections. This is unfair to me as a consumer- I've paid them timely every month but to now almost double my monthly payment is just wrong.
Consumer complaint received 2024-11-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (PA)

I have been trying to get in contact with my loan provider for multiple days. When I call the servicer no one provides me with the same information and it's something different everytime. I finally was able to speak with a supervisor for the servicer who provided me with information telling me to contact Lakeview mortgage directly. Yet, when I call the profivded number it goes to a third party who can and will not help me.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MA)

I am filing a formal complaint regarding Citi Banks failure to provide requested account statements for my closed credit card account ending in XXXX. I have made numerous attempts to obtain statements for the period from XX/XX/XXXX to XX/XX/XXXX. 

Despite calling Citi Bank more than 10 times and being transferred repeatedly, my request has not been fulfilled. I was directed to XXXX XXXX XXXX, the buyer of the account, but they informed me that they only have records from the time they acquired the debt and do not possess any prior statements. 

Under Regulation Z of the Truth in Lending Act ( TILA ), credit card issuers are required to maintain account records for consumer compliance and disclosure. As a consumer, I am entitled to access these statements, and Citi Bank has a legal obligation to provide them. 

This experience has been both frustrating and time-consuming. I am urging the Consumer Financial Protection Bureau to review this matter and ensure that Citi Bank complies with the regulations by providing the requested account statements.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

Dear CFPB, I am writing to file a complaint against CitiBank concerning what I believe to be discriminatory treatment in my recent application for the Citi AAdvantage Platinum Select credit card. I believe CitiBank 's actions may violate the Equal Credit Opportunity Act, which prohibits discrimination in credit decisions based on national origin. 

Details of My Case : XXXX. In XX/XX/year>, I received a pre-selection letter from CitiBank/XXXX XXXX XXXXnviting me to apply for the Citi AAdvantage Platinum Select credit card. Based on this invitation, I submitted my application.

2. After submission, I received an email from CitiBank confirming that my application was being processed. Shortly after, I received a letter from CitiBank requesting a copy of my XXXX XXXX XXXX XXXX XXXX XXXX. As I am currently in the United States on a XXXX XXXX  I do not hold a XXXX XXXX XXXX XXXX XXXX  So, I contacted CitiBank to inquire if I could submit alternate documentation to verify my status. However, my request was denied, and my application was subsequently declined on this basis. 
4. CitiBanks handling of my application appears to violate the Equal Credit Opportunity Act. Despite CitiBank 's knowledge of my nationality ( XXXX ) from my application, they chose to process it and ran a hard inquiry on my credit report, only to later deny my application for lack of permanent residency or citizenship status. I believe CitiBank could have informed applicants of their residency or citizenship requirements upfront to avoid unnecessary applications and credit report inquiries from individuals like myself.

As a result, I now have an unnecessary inquiry on my credit report, which negatively affects my credit score and reflects an application for which I was ultimately deemed ineligible solely because of my current visa status.
Consumer complaint received 2024-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

XXXX XXXX ( XXXX XXXX XXXX XXXX ) did not update the billing information on this account. It relates to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I owned this property until XX/XX/year> when I sold it and moved to XXXX. They did not update the information for the new owner for a couple of months. They have sold the debt to multiple collection agencies, which have reported collection accounts on my credit. I disputed the first collection agency and it was removed, today IC Collections has reported a collection account on my credit.

This is ridiculous that a debt can be re-sold multiple times without regard to reality of the situation.

I can provide proof of my sale of the property and move to XXXX  to prove it's not my responsibility.
Consumer complaint received 2024-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WA)

This is my response to your letter I received on XX/XX/XXXX, regarding Fraud Denied Reference Number DT XXXX ( attached file : 1. XXXX  ). 

I am a victim of identity theft and have been attempting for more than the past two years to remove fraudulent accounts from my credit reports. While I was outside the U.S., nine accounts were opened fraudulently in my name without my authorization, including the following : Account Number : XXXX Card Type : Citi ThankYou Preferred Your letter provided three reasons for rejecting my fraud claim. I would like to address each one : 1. " Cards mailed to a valid address '' Could you please clarify which address youre referring to and how it was validated? 

My known U.S. residence periods are as follows : XX/XX/XXXX XX/XX/XXXX : XXXX  XXXX, WI XX/XX/XXXX XX/XX/XXXX : XXXX, OH XX/XX/XXXX Present : XXXX, WA Between XX/XX/XXXX and XX/XX/XXXX, I was not in the U.S. To substantiate this, I have attached the following documents : 2. Identity Theft Report 3. Police Report 4. I-94 Arrival/Departure Record 5. USA Visas ( proof of U.S. entry and exit ) 2. " Account activated by verified phone number '' I am unsure what this refers to, as I have only one phone number, which is XXXX. For privacy reasons, I have partially hidden it here and in the documents. I kindly ask that you refrain from calling me, as this process has already taken over two years, and I am exhausted by the repeated need to prove my case. 


3. " Verified phone number contacted Citi prior to date of fraud reporting '' I have never contacted Citi, nor have I ever held an account with Citi bank. Could you provide evidence for this claim? This process is deeply concerning and feels unjust. 

Please inform me of any additional information required through the Consumer Finance platform. Thank you for your attention to this matter.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-11-19
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

My servicer ( Edfinancial ) sent me an email stating that my first payment after the pause is scheduled for XX/XX/XXXX. This was a shock considering that on the government website, it states that my post-grad grace period doesnt end until XX/XX/XXXX. This is my first time with any type of loan and I have lots of questions but especially on my repayment schedule because of this discrepancy. 

Ive been attempting to reach out for three weeks now. Ive sent multiple emails, calls, and submitted callback requests and received no information in return. Im not sure what else to do other than to begin my repayments while still having questions about my loan and why my payments are being collected while I should still be in my grace period ( per govt website ). Other people who have commented on their social media are having similar issues and every time I have called the wait time has been around XXXX minutes which is absolutely unacceptable. I should not be forced to work with a loan servicer that can not be reached at all.
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

My banking information got stolen and more the XXXX grand was taken out within a day. The bank wells fargo is denying my claim saying that it was me. I called when the first transaction happened and asked for everything to be shut off. They did not shut it off proceeding it the XXXX grand being taken out of my account the next day.
Consumer complaint received 2024-10-13
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: EQUIFAX, INC. (AL)

I am filing this complaint against Equifax regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ). I previously disputed the following items on my credit report with Equifaxbecause I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : TXXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ) . My FTC report reference number is XXXX. Despite this, the disputed accounts remain on my credit report.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (SC)

On my credit report it states that the original credit is IC Systems and was opened in XXXX. But it also shows an open balance as of XX/XX/XXXX. I have never done business with this company so do not know if this debt is mine or what it is in reference to.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I asked for a investigation previously on my account so I'm asking for help with these XXXX accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are reporting incorrectly the information in these account are incorrect and i have information to prove it.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sorted them to remove all outdated and incorrect addresses that I never lived at and they said they couldnt they I had to speak to someone. XXXX address is listed multiple times over XXXX and is incorrect. The only address that is correct is XXXX XXXX XXXX # XXXX XXXX CA XXXX just like that any else should be removed immediately
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

The following Inquires did not get permission from me to run my credit, these agencies i have reached out to on a recording line and they have denied that they ran my credit, i have disputed these before over the years and asked for removal. According to fair credit reporting agency i can request proof of the exact description of how they found these accurate after informing them they are inaccurate. 


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 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 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 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 XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on Autopay. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies 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 asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE to be removed.

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. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 Update and delete the late payments from my consumer reports
Consumer complaint received 2024-11-16
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. (VA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance {$950.00} XXXX XXXX  Balance {$33000.00} XXXX XXXX Balance {$230.00} XXXX XXXX Balance {$290.00}
Consumer complaint received 2024-11-16
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. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX XXXX-related debt bondage, which qualifies as trafficking under the Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking and debt bondage, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
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)

The inquiries i have listed should be removed, this can't be a factual record I do have file the FTC report which i attached in the complaint this info should be removed in 24 hours otherwise i may take this thing to the court, this not something i going to take light, please help me with this, Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights Here are the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX