davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I payed my bill on Time by setting it up in autopay and the T.J.Maxx credit card Is claiming that the payment was rejected by the bank and is reporting a 30day late payment on my credit report And hurting my score for no reason. Please remove immediately and report accurately.
Consumer complaint received 2019-03-25
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. (PA)

There was a 30 day late reported with a line of credit in XX/XX/2019. I spoke with someone in the bank who advised me to dispute it and I was told that it would be updated as current not late. When disputed with the credit card bureaus the issue was never updated properly or resolved. This is a Line of Credit with XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (TX)

I was notified that the following was deleted, then reinserted back onto my credit report Account : XXXX Account : XXXX Report Number is : XXXX 15 USC 1681 ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

Notes from XXXX XXXX : WHO FURNISHED THE INFORMATION? WHO CERTIFIED IT WAS COMPLETE AND ACCURATE? WHAT WAS THIS PERSONS NAME, PHONE NUMBER, AND WHAT DID THEY USE TO VERIFY THIS INFORMATION? This is pursuant to FCRA 611 ( 6 ) ( b ).

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later tha

n 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business day
s after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

Notes from XXXX XXXX XXXX THE BUSINESS NAME AND ADDRESS OF THE FURNISHER WAS NOT PROVIDED TO ME, NEITHER WAS THE TELEPHONE NUMBER. I WAS NOT NOTIFIED OF MY RIGHT TO ADD A STATEMENT TO MY FILE. 

My rights have been violated, and I demand that Experian deletes both accounts immediately and permanently.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IN)

XX/XX/XXXX-XX/XX/XXXX My Citibank card was repeatedly charged daily by XXXX for hundreds of dollars. ( grand total XXXX ) I immediately called credit card reported it. I tried to resolve with XXXX they refused because they stated that my XXXX year old daughter made the purchases. I find out that my credit card is saved in my card app pulled it and is making all of these purchases without my knowledge. I then called Citi same day informed them of my finding and that I did not authorize these charges and that XXXX is not willing to help me. They gave me provisional credit of XXXX on XX/XX/XXXX and informed me no late fees would occur while investigation was in place. I then called XX/XX/XXXX and paid my full balance on card of XXXX with representative who informed me that I was paid in full but still pending investigation. I then got a delinquent letter with no confirmation in month of XXXX that investigation was complete with a balance of XXXX I called weekly and was repeatedly told I needed to speak with other dept and constantly hung up on ( XX/XX/XXXX 7 calls hung up on ) I screen shot all my calls and XXXX company since I was not getting anywhere on phone. I was then contacted on XX/XX/XXXX and began asking questions about the remaining balance put back on my card and the individual that I spoke with was XXXX. She was telling me that I received double credits by citi and that they had to retract and that's why I had a balance. When I questioned her math, and why she said I had a XXXX balance when I paid in full with representative in XXXX she stated that she would have to call back after further review. Before she got off the line she asked about the charges I explained that it was my XXXX year old phone that had credit card on it to set up her phone and I had no idea that these charges were taking place. She called back at XXXX XX/XX/XXXX same day to inform me that she spoke with manager who made the decision to reverse all of my charges now and charge me XXXX not including all the late fees. I asked how they can do that when they made the final decision on XX/XX/XXXX and she stated that they can do whatever they want. I told her you cant go back on a decision and she said yes you gave new information today. I asked what that was she stated that it was my daughter making purchases. I informed her that information was known since this investigation has been going on not new. She then told me we can change out minds at anytime and it stands. I asked to speak with manager she refused to let me speak with anyone saying they don't take calls. If I want to I can write a letter which they wont read because she made her decision. I said I needed to speak with someone today she gave email XXXX  and. I said you cant change your mind on a decision that was made in XX/XX/XXXX and she stated they could do what they want. I said you know that is corrupt she stated yes.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (NV)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX XXXX should be fined for their illegal practices .... I initially contacted them last year asking to validate the judgment from them for capital one. First of all I was never served properly I had no idea about this complaint. I wish to fight the entry of a default judgment obtained based on lack of notice. service of the summons did not result in actual notice in time to defend the lawsuit, the entry of default was the result of " mistake, inadvertance, suprise or excusable neglect ''. I reached out to capital one the original creditor who stated they do NOT have any pending dues from me there was no debts to them from me. I served this notice to XXXX XXXX XXXX who ignored the letter and now went through with judgement and garnished my bank account where I receive my social security income. I contacted XXXX XXXX XXXX to inform them that my income is except from garnishment and that capital one stated in writing that I do not owe them anything .... they AGAIN ignored my request and now froze my accounts. I contacted DAs offices and now preparing my complaint to them will file this week if this is not resolved and lien this false judgement is not released ... 
XXXX XXXX XXXX also issued a false statement to Capital one in their attemps to renew this debt stating that " LAST PAYMENT WAS RECEIVED ON XX/XX/2017 '' IT IS A LIE, FALSE AND FRAUD. I never made a payment to them this should not be ignored ...
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (NJ)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (IA)

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Centron Services (MT)

There is nearly {$9000.00} in medical debt from XXXX XXXX hospital collected against me. When I call the hospital they have no records that show I owe anything. I have tried disputing these and they continue to keep these wrong collections up. They dont respond or show me any evidence as to why they wont remove them. 

On XX/XX/XXXX centron services opened an account of {$86.00} on me and I didnt even live in the state at this time. 

XX/XX/XXXX centron services opened {$110.00} on me. Again I didnt live in the state during XXXX. 

On XX/XX/XXXX centron services inc opened {$190.00} falsely on my report. 

XX/XX/XXXX centron services inc opened {$360.00} on me and this is incorrect. 

XX/XX/XXXX centron services added {$640.00} to my credit and this is false information. 

XX/XX/XXXX centron services opened {$740.00} to my account. This is not correct. 

XX/XX/XXXX centron services opened {$1500.00} to my account. This is incorrect. 

Lastly, Im on XX/XX/XXXX centron services opened another account of {$3600.00} to my credit report. This is incorrect and I dont know where this high balance came from. 

They are illegally holding information from me and not telling me why they arent removing these marks that are false and have impacted my credit horribly.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-11
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: Experian Information Solutions Inc. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2019-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (FL)

I filled out an online application for a new checking account after receiving numerous direct mail advertisements from Citibank. On XX/XX/XXXX I completed application # XXXX. The application, in addition to personal questions, requested information on how I would fund the new checking account. I gave another checking account with the routing number as well as the requested password to my XXXX XXXX XXXX checking account as it requested. I have now called the XXXX phone number I was given after completing the application 3 times. All I am told is that a letter was mailed on XX/XX/2019. I have requested a manager on my second call and the call was disconnected after a 10 minute hold, and then I called back a few days later and someone told me a manager would call me back within XXXX hours. This never happened either. Today I called and again was told that they are unable to share anything related to the application and that a letter was mailed on XX/XX/2019. I have not received this letter as of XX/XX/2019 and explained that they still have my XXXX checking account information and that I am no longer comfortable with them having this information being as they are unwilling to assist any of my reasonable request to understand what is going on with my application.. At this point I need someone who can communicate what is going on to contact me from Citibank so I can withdrawal my application.
Consumer complaint received 2023-09-11
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: Experian Information Solutions Inc. (MN)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

My wife attempted to make a minimum payment, @ {$300.00}, using the Costco CitiBank credit card app. on her phone, but for some unknown reason their app. submitted a full balance due payment for @ {$8000.00} which we did not have in our account. So, the payment did not process and the credit card company put a " hold '' on our account. This 6-month " hold '' has created the following problems with our account : 1. Prevents my wife from using her bank account to make payments 2. Prevents immediate payment credit as before when making payments from our checking account 3. According to their customer service department ( XXXX on the Costco Membership Team # XXXX ), this 'hold ' gives them the " right '' to not post any of our payments for up to three weeks after being made and to provide misinformation via their automated system regarding when payments are received, but not stating the payment has not been posted or any advisory regarding the " hold ''. This " hold '' situation is not addressed in any manner in the Costco Membership Agreement or the CitiBank Terms & Condition 's.

4. For example, their automated system stated we made a  {$300.00} payment on XX/XX/XXXX, but that payment was not going to be processed and posted on our account for up to three WEEKS per their customer service department, which is stated by their automated system! Their automated system states they received our {$300.00} payment, but our payment is not reflected in our available balance with no other information provided advising they are holding our payment. This is intentional misinformation regarding the status of our payment.
Consumer complaint received 2019-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I applied for the Toyota Motor Credit Corporation Class Action Settlement that certain cultures were charged more in interest rates than non XXXX XXXX.. On XX/XX/XXXX I received a letter from the Administrator of the Toyota Class Action lawsuit that I am not eligible because I am not XXXX -- I am. I did purchase a XXXX XXXX on XXXX XXXX from XXXX XXXX in XXXX, PA. The XXXX was financed through Toyota Financial I have the documents to prove it. This is the time on or before XX/XX/XXXX and XX/XX/XXXX that the lawsuit stated the automobile had to be purchased. I am an XXXX XXXX  female. 

Respectfully, XXXX XXXX XXXX ( XXXX.XXXX.XXXX )
Consumer complaint received 2020-05-02
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AL)

I opened a checking and savings account package with Citibank on XX/XX/XXXX and immediately deposited just over {$50000.00} to take advantage of their account opening bonus offer, which offered {$700.00} if you kept the money in for 60 days. After the 60 days, it could take up to another 30 days to post to the account. The promotion code I opened the account under was " XXXX. '' I verified this promotion code through a Citi customer support person via phone call twice to make sure my account was eligible and would be receiving the bonus. They confirmed that it would. 

I contacted Citi on XX/XX/XXXX and XX/XX/XXXX to follow up and make sure I was still on track for the bonus, as I had read online that other people had issues with actually receiving it. I had one other call that was made to solve a problem I was having with my password, but that was solved without much issue. 

I logged into my account on XX/XX/XXXX to find both my savings and checking accounts closed with no reason given. I checked my email and there was nothing there, either. I received no notice or reason for my account closures. I had to open the customer service Live Chat again to speak with someone who told me that there was no reason for the account closure listed. They asked me to call the account opening department, which at that time had a wait of 881 minutes. How am I realistically supposed to wait that long? 

Apparently, they put my life savings in the mail and couldn't provide me a tracking number. So, it was either wait 881 minutes to try and get a tracking number from a real person or wait for my checks to arrive in the mail. Which, they finally did. 

And when both checks ( mailed separately ) arrived, there was STILL no reason for the account closures. I STILL don't know why Citi closed my accounts and is trying to avoid giving me what I am owed. 

I finally got someone through Citi 's " XXXX '' XXXX account, who followed up with me by phone after the fact. They still couldn't give me a reason for the closures, and assured me that they would be opening an investigation into the issue. This investigation was supposedly opened on XX/XX/XXXX and I was told it could take up to 20 days to resolve. 

I feel like I am being given the run-around. I just want what I am owed. I have attached the chat logs with Citi to this complaint and can provide phone call dates/times if necessary.