davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

I closed my Citibank account after 33 years. 

In the morning of XX/XX/XXXX, I received a bill from a vendor through email, then signed onto the Citibank app to pay the bill using XXXX. Instead, the words Access Blocked appeared over the basic checking account information. After four phone calls to Citibank, I was informed that my joint account of 33 years had insufficient KYC data re : my wife, the account co-holder. 

My wife received exactly zero requests from Citibank for the information no emails, no phone calls, no textmsgs, no hard copy mailings. Rather, Citibank simply froze our assets held at Citibank. 

While the Citibank checking account played a small economic part in our financial picture, it played a very important one XXXX it was a facilitation account to keep vendors paid regularly. Ensuring that people are treated fairly and that I pay bills on a timely basis is very important to me. 

Over the following two days and more than four hours on the phone with Citibank representatives, the block was lifted. 

It is true that collecting XXXX information is critical for XXXX and that banking institutions need latitude to ensure the integrity of their banking relationships. Its also true that fair and reasonable notice should be given to customers to ensure customers have the opportunity to provide the information prior to an asset freeze. During one of the several phone calls to Citibank, the representative indicated that Citibank reaches out to people prior to freezing assets. Not true in our case and it often may not be true. I am not seeking monetary damages ; rather ensuring Citibank provide fair and reasonable notice to customers and that regulatory rules be enacted and enforced to ensure they do so. 

More than highly frustrating, this type of incident reinforces the American publics underlying concern of the US banking system and undermines the integrity of fairly doing business in the United States. Until only recently, my concerns were limited to actions of cyber-criminals and market-driven bank-runs. Now I am more concerned about the actions of the very institutions entrusted to protect our money and livelihood.
Consumer complaint received 2023-09-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

We lived in an apartment for XXXX XXXX XXXX XXXX which apt name was XXXX  XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX the complex was sold to XXXX  XXXX XXXX. Because of Covid and the fact that DES unemployment had run out, we reached out to the City of XXXX for Emergency Rental Assistance. We moved out of the apt XX/XX/XXXX the date our lease expired. The new management was about to get paid for 3 months rent by City of XXXX but refused to renew our lease. On XXXX XXXX, XXXX the City of XXXX issued a check to XXXX  for {$10000.00}. This was for past due rent up until the end of the lease. When we tried to rent a house in XXXX of this year, XXXX, to our surprise we were denied. XXXX XXXX XXXX had placed 2 eviction court judgements in our credit profile. I obtained check info and payment from City of XXXX and found that the XXXX XXXX had got paid. When I contacted them I was told that they had not received a check and that they had no doubt that the check went to XXXX XXXX XXXX. That was not the case. I contacted XXXX XXXX XXXX, spoke with XXXX XXXX and she told me to get a copy of the cashed check and send to her. City of XXXX is unable to give me that copy but they were able to send it to XXXX. XXXX XXXX lawyers were able to vacate and dismiss the judgements. Next thing I learned that now XXXX XXXX has put a derogatory note on my credit and my partner XXXX XXXX credit for non payment in the amount of a bit over $ XXXX. We did not sign a lease with XXXX  and we owe them no money. I called the Collection agency and tried to explain this to them but they told me that XXXX XXXX and XXXX  have merged and that no, no one has received the payment for rent in XXXX. They would not let me explain to them anymore and cut me off the phone. This has gone too far because the money has been paid. XXXX  XXXX  has it but they are not willing to inquire in their accounting ledgers. This has damaged us because I have been trying to resolve this issue for some time already and we are having to live with friends, relatives, sometimes hotels because we are unable to rent a home or apartment due to these errors.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, I would love for you to investigate this information that is incorrectly placed in my credit reports and is affecting me a lot. 


XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please delete
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IA)

I was banking with Chase. They said I had XXXX in an account. I tried to get it transferred out and they asked where the money came from. I told the. My buissness. They then said my account was closed and they would mail me a check. I never received any check or further response from them. I have about XXXX of funds they have not returned.
Consumer complaint received 2023-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

This is a continuation from my last complaint submitted XX/XX/XXXX ( ID XXXX ). 
Originally Nelnet responded by refusing to rescind my IDR application that was wrongly sent and processed during the COVID forbearance. Later, after another feedback, they realized their mistake and sent me a physical letter stating my IDR application was cancelled, and my monthly payment will be {$270.00} starting XX/XX/XXXX through XX/XX/XXXX, until my next IDR recertification date. 
However, my Nelnet account continued to show a payment amount of {$2000.00}. 
I emailed Nelnet on XX/XX/XXXX requesting for an update, which they never responded. 

I called Nelnet on XX/XX/XXXX, was told my account will be updated in 3-5 business days. I called again on XX/XX/XXXX, was told it will take another 2 weeks. 
On XX/XX/XXXX, I received my billing statement from Nelnet, which still showed the wrong amount of {$2000.00} to be due on XX/XX/XXXX. 

The level of gross incompetence and complete lack of communication is unacceptable. To them, this may just be a number. However, to millions of student loan borrowers, this directly affects their livelihood, and the amount of psychological stress and frustration with the entire ordeal can not be quantified.
Consumer complaint received 2023-09-15
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. (FL)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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)

I am writing to formally dispute the recent update of the " last activity '' date on my credit report. It has come to my attention that the last activity date for a specific account has been inaccurately updated, which I believe constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 
The FCRA mandates that information on credit reports must be accurate, complete, and up-to-date. Updating the last activity date on an account without valid cause or activity may misrepresent the true status of the account and unfairly impact my credit standing. 
I request that you thoroughly investigate the circumstances surrounding the update of the last activity date on the mentioned account. If this update was made without legitimate activity occurring on the account, it may be considered a violation of the FCRA.There is a file attached to verify the fraudulent reporting. 
Account Name : XXXX ( ACCOUNT HAS BEEN CLOSED FOR XXXX YEARS ) ) Account Number : XXXX Date of Last Report : XXXX Date of Last Activity : XXXX
Consumer complaint received 2023-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have my paid off receipt from XXXX saying that I paid off my {$43.00} balance with XXXX. XXXX is now reporting on XX/XX/2023 that my last payment to them was in XX/XX/2023. That is an accurate because again I have that receipt stating that I have paid off all my balance with XXXX, and they are going to report the positive payoff balance to all credit bureaus, which they failed to uphold their own words thus reporting negative balance to my credit at the reading of the receipt. All negative information report it to my credit bureau should be removed it once.
Consumer complaint received 2023-12-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

I received a letter dated XX/XX/XXXX from a debt collector named XXXX XXXX, XXXX relating to a XXXX XXXX account in the amount of {$2000.00} that was in my name but which I have never signed or accepted. I demanded verification of the debt and the only document received was a copy of the bill in my name that had been sent to me. Subsequently, I received a letter dated XX/XX/XXXX from XXXX XXXX XXXXXXXX, a letter dated XX/XX/XXXX from XXXX XXXX XXXX, XXXX and a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX, all seeking collection of the {$2000.00} XXXX bill. I have now received two letters from Jefferson Capital Systems XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX relating to the XXXX bill. I requested from XXXX XXXX a copy of the ''original document from XXXX '' to show who signed the XXXX account and never received any reply. Attached are the two letters I have sent to Jefferson Capital Systems , LLC one dated XX/XX/XXXX and the other dated XX/XX/XXXX which asks for verification of the debt. Jefferson Capital Systems , LLC never responded to my request to verify the XXXX debt. It has now been more than two and a half years and successive collection letters from five collection agencies to collect a debt that is not mine and as to which no collection agency has provided the documents that show who originally signed on the XXXX account. I consider XXXX XXXX ( XXXX XXXX XXXX XXXX, NJ XXXX ) to be responsible as well as all five collection companies that have not responded to my request and Jefferson Capital continues to harass me which I believe constitutes an ''unfair practice '' under Section 808 of the federal Fair Debt Collection Practices Act. I am happy to provide additional documentation to the CFPB relating to my responses to all of the companies listed in the attached letter dated XX/XX/XXXX.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NC)

I applied for Barclays Aviator AAdvantage credit card while I was on an XXXX XXXX in XX/XX/2022. The flight attendant advertised that if I applied and simply buy a qualifying purchase, which could be anything, I would automatically receive XXXX mileage points. I applied and was approved. I made my purchases. I assumed I had my promotion mileage to be used in the future. Today, I was ready to redeem as I had a flight to purchase. I checked my rewards and the XXXX points werent on there. I checked the rewards page. It stated I completed my qualifying purchase. I just didnt pay for my membership fee of {$99.00} within 90 days. I wasnt aware this was a requirement. I checked my payment history. I made my first payment of {$29.00}, second payment of {$29.00}, and third payment of {$100.00}. I knew these payments alone were enough to pay the membership fee. I called in to Barclay to get this resolved. They said when I make a payment, their system has no way of knowing what my payment was used to pay a prior purchase or the membership fee and thus unable to honor their promotion. The promotion was unclear and falsely advertised from the beginning. Ive been a good standing customer to both Barclay and XXXX XXXX. I should have been given the promotion as offered.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have summitted several disputes to all 3 major credit reporting bureaus ( XXXX/Equifax/XXXX ) in regards to my XXXX account and the numerous inconsistencies and discrepancies reported on this account by all 3 bureaus. I have requested verification and validity of the these reports, including method of verification of account and all I've received are notifications stating the account has either been updated or verified as accurate. To date XXXX reports a high balance of {$2100.00}. XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$3000.00}. XXXX is reporting date of last activity as XX/XX/XXXXXXXX XXXX is reporting date of last activity as XX/XX/XXXXXXXX Equifax is reporting date of last activity as XX/XX/XXXXXXXX XXXXXXXX is reporting this account is STILL OPEN!! but its charged off???? XXXX and XXXX are reporting date of last payment as XX/XX/XXXX. Equifax is reporting date of last payment as XX/XX/XXXXXXXX XXXX reports no payment history at all. How is this account charged off if its reporting OPEN? If the bureaus are reporting " accurate '' and " verified '' information, why are there so many inconsistencies? If one creditor is reporting this information to them, why is all the information different? I am entitled to a fair and accurate credit report. Credit reporting is life changing and for the bureaus to fail to acknowledge or recognize the blatant and inaccurate reporting and tell me its verified information blows my mind. I demand an investigation onto this matter and a complete reporting on method of verification OR complete deletion of this account from my credit file.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I had recently mistakenly deposited an erroneous check in my account on XX/XX/2023. 
I had created a new account and had attempted to move the money in an effort to not co-mingle or spend the funds as a legal precaution. XXXX were able to go into the account and XXXX were on hold.The same day I called USAA to inform them I suspected the check was fraudulent and advise them to look into it. This was reported to the fraud department of USAA. 

I gave additional information to include the addresses names and the like that were given me to assist in the investigation. 
On XX/XX/2023 I received a call from USAA that my accounts were locked due to a negative balance on my way home from work. I was literally running out of gas attempting to get home to my daughter. All of my accounts are locked because they are under review due to a negative balance of - {$2500.00}. This {$2500.00} resides in another account and is inaccessible to anyone at this time. I am unable to use my debit card as well. No one at USAA can do anything about it. Members as a whole are unable to talk to managers or supervisors due to something? Additionally there are no contingencies available for such situations such as expediting, debiting another owned account by request, etc.. The only option being an additional deposit which would require access to another bank account since they would be external sources I had since switch the auto overdraft to take from the account where the money resides in the hopes that something can be done. 

I am now in a scenario where I can not access any funds, my paycheck has gone into the bank before I knew what had happened, and I am being punished for being a victim of a work online scam all while attempting to assist the authorities in catching the culprit. 

I am left with no way to access my money, very little gas, and a child. All while the Member resolution team is not allowing members to speak with any supervisors or managers as a defacto unwritten policy as the money sits in the bank ready to be transferred to cover the defrauded account. 

This bank is supposed to be for veterans, active, and reserve military. How in the world can you treat those who would lay down their lives for their countries in such an extremely inappropriate fashion? 

Imagine if this happened abroad?
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (IN)

Kindly expunge these fraudulent accounts from my credit report, as they are not mine and were unknown to me. Per USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (VA)

According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc. (VA)

According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.
Consumer complaint received 2023-09-15
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. (PA)

I XXXX XXXX currently have a XXXX account and unauthorized inquiries appearing on my credit report. 

Account XXXX XXXX XXXX XXXX {$160.00} Inquiries XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX