davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

My Citibank Savings ( CitiAccelerate ) account was frozen/blocked due to inactivity in XX/XX/XXXX. I didn't discover this until XX/XX/XXXX when I tried to transfer some funds TO the account. I believe that Citibank did notify me that the account is now blocked. I didn't respond. However, when I called the XXXX number on the back of my card, they told me I needed to go to a branch or send a letter. No branches where I live, so I said I would send a letter. They gave me specific information to put in the letter, I asked if I needed to send the letter certified or overnight, they said no. My 1st letter was sent on XX/XX/XXXX. No response. I called back after XXXX, and again they told me to send the letter same address with the same information. I sent the 2nd letter on XX/XX/XXXX. No response. I called again, this time, I sent a 3rd letter via USPS with a tracking number and it was delivered on XX/XX/XXXX. I called to follow up and was told my request to unblock my account was denied because the signature was not Notarized. At no time during any of these multiple phone calls I made to Citibank, did anyone ever tell me I needed to have my signature notarized. So finally, I went back to my online banking and looked at my messages and found a form to complete to unblock my account with a notary block on it. All of these phone calls I made to the Customer Service number, and not one person ever suggested or told me there was a " form '' I could complete to reactivate my account. So I sent the " Citibank Form Document '' with my signature Notarized and it was delivered on XX/XX/XXXX. I called to follow up on XX/XX/XXXX and spoke to XXXX. She said she would send an email to her back office team with the tracking number and to call back in 2 or 3 business days. So I called back today, XX/XX/XXXX and spoke to XXXX and he said no resolution and he would send another email to his back office team with the tracking number. Its been too long. I need my account reactivated. I have made over 10 calls to this customer service team and no one ever follows up. My time and energy spent on this is frustrating. Dates of all phone calls are below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Several phone calls were made in XXXX, but i need to pull my phone records.
Consumer complaint received 2021-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth Third Bank put a deferment on my mortgage I have never made a late payment I have always put {$100.00} extra toward the principal they have put this on all three of my credit reports. I'm at my wit 's end trying to get this solved you can not get a hold of anybody at fifth Third they just keep transferring you and giving you information that is incorrect. This is not fair to me and I don't know who else to contact.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EMCC Holdings, LLC (IN)

The account is not authorized and is therefore fraudulent. I only agreed to in house financing and not third party loans. The account also can not be verified. I have requested verification more than once and received nothing. My information was sold to this 3rd party company that opened an account under my name without my consent. My personal information has been breached. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
Consumer complaint received 2022-03-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ON XX/XX/2022, I requested for TransUnion to verify the Chapter XXXX bankruptcy listed on my consumer report. I stated that they should verify or remove this account if they are unable to verify it. I also requested for an original contract with my name on it showing that this account is indeed mine. On XX/XX/2022, TransUnion sent me a letter stating that they verified this account with the " data furnisher '' and then provided the contact information for that furnisher. 
On XX/XX/2022, I sent off a letter to the " data furnisher '' that TransUnion has claimed verified the account as accurate; on XX/XX/2022, they sent off a response and said that they DO NOT report information directly to the " credit bureaus ''. 

TransUnion is in DIRECT violation of the FCRA. This is even shows willful noncompliance as TransUnion blatantly lied about were they obtained verification from. This failure of TransUnion to abide by the FCRA, has not only caused me embarrassment, but it has also hurt my ability to successfully obtain a home for my family and I. TransUnion, has failed to exercise their GRAVE responsibility to maintain accurate reporting of my consumer report.
Consumer complaint received 2021-12-11
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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I have disputed the illegal reporting of credit acceptance corp to XXXX and XXXX will not remove this account, credit acceptance corp has been reporting false information and increasing the balance every month when this account has been closed since 2016. This is against the law and the FCRA and should be REMOVED!!
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Experian has been reporting an inaccurate Public Record on my Credit profile since XX/XX/XXXX of 2019. I have requested proof of said record and any information followed. They have neglected to fulfill me on my request of validation of said item. I have also forwarded Experian proof from XXXX whom they say verified the public record that they dont have a Bankrupcty under my name or Last 4 of SS I have sent copys of the Bankrupcty being found inaccurate by XXXX  and XXXX  as well as a letter from the court saying that they don't report to the credit bureaus.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southern Credit Recovery, Inc. (LA)

Keep receiving calls from this number XXXX. They do not identify themselves but ask for me by name and then ask for my date of birth and home address. Every time I refuse and they ask why, I say the same thing. I dont know who you are and what you are calling in reference to. They always say the same thing its in regards to a debt you owe and we need to identify you before proceeding. I still refuse to give them any information and today the lady said, you can verify me by doing a XXXX reverse phone lookup. So I did and now I have the name of the company that do not owe anything to as Southern Credit Recovery , INC . 
I have been receiving this same call continuously with no one ever giving any further information unless I am willing to give them my personal information. I refuse to especially because they do NOT even identify themselves or the name of company they are calling for.
Consumer complaint received 2021-12-11
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: SYNCHRONY FINANCIAL (TN)

I, XXXX XXXX, am the consumer in fact and I am asserting all rights. I am aware that the Consumer Financial Protection Bureau is here to enforce Federal consumer financial law and to ensure that I, the consumer, have access to markets for consumer financial products and services to which are fair, transparent and competitive. I am also aware that the CFPB is authorized to exercise its authorities under Federal consumer financial to protect the consumer from unfair, deceptive, or abusive acts and practices pursuant to 12 U.S. Code 5511 ( b ) ( 2 ). As a consumer, I will hold the CFPB to this standard. 

I sent a billing error notice to Synchrony Bank/PayPal Credit on XX/XX/2021. I requested the organization to provide documentary evidence pursuant to 12 CFR Section 1026.13 ( a ) ( 6 ) under Regulation Z for the public and private sector. The company failed to show documentary evidence and they credited my account for that month. They also sent me a letter on XX/XX/2021 admitting that there was fraud on my account and changed my account number in the process. 

At the end of the cycle, they closed my account, but we were able to come to an agreement to restore my services based on the billing error status, open end credit status, and the fact that closing the account was an act of discrimination under the Equal Credit Opportunity Act. 

Although my account was restored, I have yet to see my account receive a credit for XXXX. The organization never showed me documentary evidence to prove the fraud and I suppose to receive a credit each month until they provide me with such evidence to whom or what funded the account. 

I am aware that the company sends me a remittance transfer each month with a XXXX scan on the coupon for me to use as credit. Thats a part of the fraud and the companys failure to honor it is a violation to 15 U.S. Code Section 1693h ( a ). I am will most definitely remain in honor and send it each month to satisfy the account if necessary.
Consumer complaint received 2022-12-16
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. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my behalf in regard to the following information on my files/bureau reports. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report and on my credit files. I reported the theft to the Federal Trade Commission, CFPB, and local police authorities. I request that the following items be removed from my credit report immediately : Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX I am not an attorney not am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX impacted due to the Pandemic shutdown. I had some issues with my income being affected by the XXXX SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Consumer complaint received 2021-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (DE)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to bring to your attention an unfortunate incident involving Transunion 's erroneous reporting of my credit score. I believe this issue warrants your attention as it directly affects my financial well-being and potentially violates the Fair Credit Reporting Act ( FCRA ) guidelines regarding incorrect reporting and its adverse impact. 

On XX/XX/XXXX  Transunion information extracted by XXXX XXXX shows a decrease of XXXX in credit score. I contacted TU directly and the company verified no changes and no adverse information on my credit profile. XXXX XXXX asserts the information comes directly from the reporting agency. However, theres a significant discrepancy between the two companies.
Consumer complaint received 2021-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (TX)

I had a mortgage loan with BMO Harris Bank. I sold my home on XX/XX/2021. The title company contacted BMO Harris Bank to obtain the payoff amount and that amount was remitted to BMO Harris Bank on XX/XX/XXXX. BMO Harris received the monthly payment from my bank account XXXX electronic transfer ) on XX/XX/2021. I called the bank and asked that they electronically deposit the amount they took out on XX/XX/XXXX back to my account. They said they were only willing to remit a hard copy check to the address they have on record XXXX the home I sold XXXX in 15 - 30 business days. I complained that they would have the use of my money for close to a month. I spoke to two supervisors and no one would agree to remit the money electronically back to my account. 

I am closing on a new house at the end of XXXX and was counting on that money to use towards the purchase price.
Consumer complaint received 2021-04-16
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: EQUIFAX, INC. (CA)

On or about XX/XX/2021 I filed a dispute with the credit bureaus ( Equifax and XXXX ). I know that the law states that the creditors have 30-45 days to respond to any disputes. XXXX XXXX did not respond to either bureau. I would like for the credit bureaus to remove this information from my report in a timely manner. They have not done this.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

US BANK ACCOUNT XXXX US BANK IS HOLDING MY ACCOUNT XXXX AND WILL NOT RELEASE IT. I CAN'T MADE ANY TRANSCATION OR USE IT. THEY SAY IT A INVESTAGION WILL BE COMPLETED IN XXXX DAYS AND IT HAVE BEEN OVER A MONTHA AND A HALF AND MY ACCOUNT IS STILL ON HOLD.
Consumer complaint received 2021-12-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (IL)

Received mail on XX/XX/21 from NCB Management Services Incorporated attempting to collect a debt. The initial communication does not meet the FDCPA requirements for this communication. It does not include the itemized amount of the debt reflecting interest, fees, payments, and credits since the itemization date, and the itemization date. Further, the letter does not meet the requirements of 15 U.S.C. 1692g ( a ) where the collector must include a tear-off dispute form with pre-written prompts for disputing the debt in the validation notice. 

I do not believe I owe this debt, but I will handle that matter outside of this complaint.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (CA)

XXXX CFPB this email is for you CFPB to keep it or use I already submit over the phone my complain do not send this unles is nescesary I explain here what is on the record you can send it if you think is the best thank XXXX Consumer Financial Protection Bureau. 


1. the report I send is the last report EXperian send to me. Total fake. 
I am so indignate by Experian, and all is in this report, not only I Denied. 
All information EXPERIAN provite on this report, I GOT SICK ABOUT. 

2. Before I Start, I need you to be aware, that this is XXXX XXXX, with out notice, I stop to take my daily XXXX, for 6 dyas, I forgot to eat 4 days.Whatever EXPERIAN resolution will be, I WILL not accept. they crooss over the line, that is not the place, I love, I will not stand back to those behevior, that destroy, Not only my life, they are destroying my country United States of America. 

3. This report is not the same, they have online, or the one they show me. 

4. On this report they not say what is the total amount I OWE, that is on the online, account the amount of {$5900.00} 5. At this moment they are not aware that I am in contact with you. unlees you told something to then. 
6. On this report, not only, show all the negative Items, from before, they ad more negative accounts, with out care. 
7. On this report, they try to show some charity, the wors way to do something like that. 

XXXX {$5900.00} XXXX XXXX XXXX and XXXX XXXX XXXXXXXX are the same acounts since XXXX, Show 1 payment of {$120.00}, ,when I ALL ready pay {$380.00} plus {$170.00} XXXX XXXX acoount, I CLOSE, on XX/XX/XXXX First report XX/XX/XXXX They repited again as a collection updated I GUESS XXXX XXXX XXXX and XXXX XXXX  XXXX and XXXX number XXXX are the same $ {$2400.00} {$2400.00} XXXX XXXX XXXX XXXX this acounts are tthe same accounts, also please i want you to post all my dispute, u can change as the best behevior to help some one else i am terrify ( XXXX, ) BUT i do not want some else lfeel what i feel right now.
Consumer complaint received 2022-12-16
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$820.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX