davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-09
Product: Credit 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: CITIBANK, N.A. (TX)

On XXXXXXXX XXXX XXXX, I was in XXXX with my wife and we took a cab, about a XXXX XXXX trip. The cab driver asked me for a card, said " no cash '', and then tried to run my credit card but said it " did not go through '' - he then accepted cash. 

Later, when we returned home, we checked our credit card statement and had a charge for almost {$900.00} from a vendor we did not recognize. We determined based on our review it has to have been the cab company. 

Citi explained that because I did not have " proof '' of the transaction, a credit card slip, they could not help me. I explained that there would not be a credit card slip because the cab driver said the charge did not go through, but then later charged me almost {$900.00}. 

I did not authorize the transaction on my statement for {$890.00}. I do not have a sales slip, because I paid cash, but the cab driver scanned my card and told me that it didnt go through suggesting he did not have an internet connection, or that it was malfunctioning. 

I did not authorize any transaction from XXXX * XXXX XXXX XXXX XXXX XXXX and I am not able to contact this vendor. I can not contact the vendor as Citi has suggested I have no information on this vendor. If you XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX you do not get any results. This was a cab driver in downtown XXXX, XXXX, and I have no reason to document the cab # and no realistic way to contact this vendor. Presumably Citi bank would have some information on this vendor since it works with them on payment processing. This is why I can not speak with the vendor to resolve the issue. 

I attempted to resolve this by filling out the dispute paperwork and spending 2 hours on the phone with Citi. Ultimately, they said they could resolve this by awarding me a {$240.00} credit. I reluctantly said " fine '' but want to file my complaint anyway. This policy is ridiculous, implies that I am lying to them, and offers cardholders no support. Citi should put the burden on the VENDOR to prove I signed something which the vendor can not do.
Consumer complaint received 2024-08-12
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. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-10-08
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (WI)

I had most, if not all, of my important accounts ( email, paypal, XXXX, banks, major video game platforms, etc ), and personal information ( banking cards/info, address, social security number, etc ) hacked, leaked, and stolen. These accounts and information were used to make many fraudulent purchases through my accounts with my debit and credit cards and accounts. These incidents have taken months to get cleaned up properly, but PayPal Credit of Synchrony Bank has been repeatedly denying one of my cases stating that the merchant was providing " evidence '' that the purchases were authorized. That " evidence '' simply being that my accounts were used for these purchases, the very accounts that were compromised, and are refusing to overturn and refund those fraudulent transactions.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I submitted this information originally on XX/XX/XXXX. I am disputing the charges of {$470.00} charged to my account TWICE by the merchant ( XXXX ). I canceled my credit card with XXXX XXXX because clearly there is no oversight ( security ) of charges on their credit cards. It is proven merchants have the authority to charge whatever they choose without input from the cardholder. 
I rented the XXXX  on XXXX XX/XX/XXXX and returned it and placed the key in THEIR secure lock box on XXXX XX/XX/XXXX. I was informed by an employee of the agency ( third party XXXX  ) that they dont always check in the vehicles daily ( how fortunate for them, they get to charge customers more whenever they decide to check the vehicle in ). 
The problem I have is that I am being charged for five days, using prior authorization because they did not have my credit card, which means I was not in the store five days later!!! XXXX XXXX is on a Friday versus a weekend, I would have been in the store to return the vehicle and would have BEEN AWARE that I was being charged an additional {$470.00} for the vehicle. 
It is apparent to me that this location practices overcharging their customers because they even charged 4 small fees prior to making the additional {$470.00} charge and XXXX  XXXX never questioned it or notified me!!! The XXXX was actually charged to my account several times. 
XX/XX/XXXXXXXX XXXX  {$3.00} XXXX XXXX  {$2.00} XX/XX/XXXXXXXX XXXXXXXX  {$2.00} XX/XX/XXXX XXXX {$2.00} As a result, I have requested my account be closed. It is clear to me XXXX XXXX does not have my best interest in mind. You are more interested in ensuring the charges apply. 
I will pay every XXXX that I made on this card and not XXXX XXXX  I didnt.
Consumer complaint received 2024-09-26
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Case # XXXX From XX/XX/XXXX to today ( XX/XX/XXXX ) I can not get any resolve regarding monies owed to me from my brothers prepaid card ( XXXX  ) XX/XX/XXXX went into Bank Of America branch located at XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX to open an Estate acct with the {$910.00}?? Check ( written to Estate of brother ) granted by XXXX and written by Bank of America. 

On XX/XX/XXXX the branch manager was advised, after speaking with estate services, not to open the estate acct and they would request to have a stop payment on initial check and have a new check issued in my name. On this day I had the court documents granting me the funds, death certificate and my drivers license. Copies were taken of all documents including the check. I was told I would receive a call within 5 days or a new check in 2 weeks. 

XX/XX/XXXX XXXX XXXX/ No Reissued Check. I called back to rotate services. I was advised that the request was not submitted to right dept. This rep verified and questioned me again and then said she would submit and it would take up to 2 weeks for check. 

XX/XX/XXXX I received a call from XXXX in Estate Services saying her initial request in XXXX was rejected and explained that the dept that rejected confused the monies owed from this check was not the same monies sent to the state as unclaimed monies. She contacted this dept to try to get resolution while talking with me. After being on the phone for over an hour we decided it would be best to call me back. 

XX/XX/XXXX No Call Back I called estate services again. This time I spoke with XXXX. He explained to me that my court documents were not sufficient and that I needed to complete Bank of Americas Affidavit of Decadents Successor form. He emailed this form and another form to me. 

XX/XX/XXXX I completed and notarized all forms and attached the death certificate. 

XX/XX/XXXX. No follow up call from Bank of America so I call again to estate services. The rep explains all documents were received however No Action taken. She would submit the request for a reissued check however it would take an additional 6 weeks or more.

After explaining to the rep how long this has taken and that is has not been any fault of mine she apologized yet stated it would still take 6 weeks or more. I then requested a supervisor call me back. 

She gave me the name XXXX XXXX - Manager of Estate Services I am still awaiting her call
Consumer complaint received 2024-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I bought a brand new XXXX XXXX XXXX, which has been scrapped, but I dont have Gap Insurance XXXX Everyone who buys a new XXXX car has Gap Insurance. I have been transferred to a debt company and my credit is gone! I didnt know why at first, and I personally called the XXXX credit system three times XXXX and their response was that I dont have to worry about it. About half a year later, XXXX told me that I still owed them {$9600.00}! Why?
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number : XXXX My correct address is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX My employer is : XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of XXXX 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary XXXX  to my life on top of hurting my XXXX XXXX.
Consumer complaint received 2024-09-17
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. (IN)

I disputed an account in collections on my Experian report. This account was paid in full and I have the receipt and emails with the company to prove it. I tried to upload the documents but their website wouldn't take it. I tried calling but was not able to speak to anyone or leave a message. I put the documents in the mail and sent them registered mail. They will not arrive until XX/XX/year>. I filled out the dispute this past weekend, the XXXX or XXXX of XXXX. So they spent 1 day to judge me guilty and say the account is verified. So the creditor, XXXX XXXX, their attorney 's, XXXX XXXX XXXX XXXX XXXX must have all submitted false information today.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

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

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

I demand the late payment reported to be removed.

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.

Experian 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!

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. ()

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-17
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. (OH)

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/year>, I mailed TransUnion a letter via USPS certified mail tracking number XXXX XXXX XXXX XXXX XXXX XXXX disputing several negative items, including a bankruptcy that contains discrepancies and incorrect personal information appearing on my credit report. I included all necessary documents to verify my identity, including my government-issued ID, Social Security card , and proof of address, to ensure they could conduct a proper investigation. 
Per the Fair Credit Reporting Act ( FCRA ), TransUnion had 30 days to investigate and respond to my dispute. However, over 30 days passed without any response. Concerned about their lack of communication, I called TransUnion to follow up on the status of my dispute. During my first call, I was informed that a response would be mailed within 7 business days. This suggests that if I had not called, TransUnion may not have responded at all.

Unfortunately, 7 business days passed, and I did not receive any response. When I called TransUnion again, I was told that their response had been mailed, but it was sent to an address in Georgia, a state in which I have never resided. This is particularly troubling, as I had clearly provided my correct mailing address in my dispute letter, along with the necessary documentation to verify my identity. 
I am now concerned that my personal information, including my credit report, may have been sent to an incorrect address, putting me at risk of identity theft. Despite my efforts, TransUnion has neglected my request and mishandled my personal information. Their negligence and failure to respond within the required time frame, coupled with their sending my sensitive information to an incorrect address, is a clear violation of my consumer rights under the FCRA.
Consumer complaint received 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Hello and good day, I am very frustrated and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Consumer complaint received 2024-08-12
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. (CT)

Please delete all fraudulent and closed accounts off my credit file from Experian, XXXX, and XXXX immediately. 

XXXX XXXX XXXX {$1100.00} XX/XX/year> 2021
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC. (TN)

I received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by CHRYSLER CAPITAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.