davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-25
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: CITIBANK, N.A. (IL)

On XX/XX/2019, I went to a bar/restaurant and purchased a drink for {$17.00}, my credit card and ID were kept behind the bar. My Citibank credit card was subsequently charged {$410.00}, {$820.00} and a {$1700.00}. I DID NOT AUTHORIZE these transactions. 

My wife saw the charges on XX/XX/XXXX and thought the card had been lost or stolen because 1 ) we never make purchases this large, 2 ) it appeared the card was being used in XXXX, not XXXX, and 3 ) our Citibank credit card has been compromised at least 4 times in the past few years. 

She cancelled the card that night, stating it was stolen or otherwise compromised. 

We called Citibank during the initial investigation to inform them the card wasn't stolen, however these charges were not authorized. Citi closed the investigation the investigation as card not stolen. We have called over 10 times and spent more than 7 hours on the phone over the past 3 months asking Citi to open an investigation of the charges not being authorized and were consistently given the run around by transferring us back and forth between depts, telling us it would be reopened and we'd get notification. Never were we informed they are only obligated to investigate written disputes. We learned from a friend we needed to send a written billing dispute and subsequently sent a certified letter. We received a response today stating the {$1100.00} will be investigated, it does not mention the {$410.00} or {$820.00} charge. I do not have confidence they are going to investigate ANY of the charges. 

If nothing else, I should receive receipts and " proof of purchase ''. Card ending XXXX
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/, I refinanced my car loan with State Employees Credit Union. I found multiple violations on the Fixed Rate Closed End Promissory Note, Truth and Lending Disclosure and Security Agreement. Pursuant to 15 USC 1605 ( a ) the finance charge is the sum of all charges and on the document provided the finance charge does not reflect such, which is fraud. On the document the finance charge is {$8500.00} which does not reflect the amount I am being asked to pay. On the document the total of payments equals to {$42000.00} which is not the sum of the finance charge. This is fraud since this is a truth and lending disclosure and it is not following the federal US code. Pursuant to 15 USC 1666b ( a ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The inclusion of late charges on this document is a violation of the federal US code. Pursuant to 15 USC 1605 ( b ) the inclusion of life, accident, or health insurance premiums shall be included in the finance charge and they were not. Pursuant to 15 USC 1605 ( c ) property damage and liability insurance premiums shall be included in the finance charge and they were not. I sent a debt validation and cease and desist to State Employees Credit Union on XXXX XXXX and received a letter that did not address what I asked for so I sent an affidavit to State Employees Credit Union in addition to all documentation I have sent thus far with the addition of the exhibits for my affidavit. I am asking for the violations to be compensated by the company and for my account balance to be XXXX for my car loan and credit card balance since this company is committing fraud.
Consumer complaint received 2019-05-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

In XX/XX/2018 I set up a automatic deduction from my bank account of {$57.00} upon there terms. The company has been charging me late fees every month since in XXXX, XXXX, XXXX. I'm requesting these late fees be taken off. The interest I can understand but the late fees I disagree with. 

I also have been receiving debt collection calls from this company. Monthly payments have been being made and are automatically deducted from my account. 

I want the automatic payment method stopped. I tried to manage my payment method through the XXXX XXXX website and it would not let me. It said to call synchrony bank. I emailed XXXX XXXX and they said they do not handle the payment methods that I would have to contact synchrony directly.
Consumer complaint received 2022-10-15
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: Experian Information Solutions Inc. (IN)

This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$460.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$340.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX 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 XXXX is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with " The Fair Credit Reporting Act XXXX  '', XXXX XXXX XXXX reference number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX companies that are reporting incorrectly on my credit report due in whole because trans union refuses to investigate the said companies XXXX Nissian infinity this is reporting incorrect information XXXX XXXX bank this is also reporting incorrect information on my report XXXX federal bankruptcy this is also being reported incorrectly on my credit report
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian please be advised that I sent a dispute letter to you challenging incorrect information on my credit report on XX/XX/2024. It is my understanding of the law that you are required to complete your investigation within thirty days. I will attach my dispute letter that is dated, and time stamped. I do believe your company is in violation of the FCRA for false and inaccurate reporting of the following accounts : XXXX Account Number : XXXX Remove this account due to misleading and false reporting. This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX Remove this account from my credit report due to it being over XXXX XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX I never had an account with this collection agency and this account does not list the name of an original creditor. This debt was never validated. XXXX XXXX XXXX XXXX  Account Number : XXXX This is not my account, and the creditor could not verify this information. XXXX has since removed this account. My information was compromised in the XXXX data breach. XXXX Account XXXX : XXXX You are reporting inaccurate information such as disparities in the High credit limit last reported and date last active. This is a violation of the FCRA.
Consumer complaint received 2019-05-05
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: Experian Information Solutions Inc. (TX)

I call the credit bureaus and told them i was a victim of identity theft. I was told to send all the proper docs to get these account removed. I sent in everything they ask me to and the accounts are still there.
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (TX)

I initially contacted Rash Curtis & Associates in XXXX requesting a validation of the account they are collecting on. They sent an account statement that was NOT from the alleged original creditor but on their letterhead and it included interest. I then contacted them again in XXXX by certified mail asking for proof that I agreed to pay any additional fees and interest. Til this day they have not responded but continue to add interest to the account. 
I have been educating myself and found out that it is against federal and state laws for collection companies to add interest unless it is agreed upon by myself. As you will see at the time of their XXXX response the interest they added increased from {$240.00} to {$410.00}.
Consumer complaint received 2022-10-15
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. (NV)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc (MD)

Ive never opened or had a grow credit account. Ive been asking for about 2 years now to show me where Ive opened the account. Plus any information thats incorrect should be removed by law. Ive tried multiple times to also reach out to credit card company. When finally in contact, I told them how was I a victim of fraud and even showed her a copy of the FTC report
Consumer complaint received 2019-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

I got a notification from XXXX XXXX saying my account is closed and the balance is {$0.00}. I called to make sure and spoke with a lady named XXXX. She stated my account is not closed and the balance is {$1000.00}. I also had her state the last payment made to the account because they record the calls and she stated that it was made on XX/XX/2018. This is all confirmed on their website.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, 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: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I tried to unfreeze my Equifax account to apply for a new credit card. I was unable to create a myEquifax account to do this, as it told me I entered the verification questions incorrectly. All verification questions had nothing to do with me ( including asking about a car loan when I've never had a car payment in my life ). I called Equifax and was told to mail in a copy of my social security card and drivers license to Equifax Security Freeze Department ( I mean seriously, do they want my identity stolen? ). When I tried getting my free credit report to at least make sure someone hadn't stolen my identity, I ran into the same problem and was again asked about car loans in the verification questions. 

XXXX and XXXX  credit reports were normal, so I'm hoping I don't have a problem with my credit with Equifax. But I mean seriously, it should be illegal for them to be so incompetent. Now I have to mail in sensitive information and I can't figure out why. I haven't contacted Equifax since I froze my account in XXXX ( which, incidentally, was done BECAUSE of them in the first place ). I can't apply for the credit I need now. And my identity might be stolen, who knows? Not Equifax, probably.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am submitting this CFPB complaint to you today to request to you to correct my Credit File from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$130.00}
Consumer complaint received 2021-07-21
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: Commonwealth Financial Systems, Inc. (PA)

I currently have illegitimate collections debt on my credit report and would like to fix it. 

The first is from XX/XX/XXXX for {$1100.00}. My ex-wife hurt herself in the gym, and the insurance company requested a statement that she was not a victim of domestic abuse. She provided the statement, but the hospital did not return it to the insurance company. When they tried ( years later ) the insurance denied the payment because of the age of it, and it was sent to collections. 

The second is from XX/XX/XXXX for {$780.00} for my son. However, because of my sons XXXX he has been covered by both my insurance, and state insurance his entire life. There is no legitimate reason he should have an outstanding medical bill. 

When I called XXXX XXXX ( the originator of both debts ) a few weeks ago, they had no information about them and told me to call the physicians group. When I called them, they had no record and said they do not even use the debt collectors listed on my credit report. When I called XXXX XXXX back, they still had no record and promised to figure it out and call me back the following Monday. The following Friday I called them since I had not heard anything, and was hung up on multiple times. 

In addition, each debt is showing on my report twice each for a total of four accounts in collections. A few weeks ago I disputed all four debts, and all four just came back as valid. The accounts did not appear on my report until XXXX XXXX, after the statue of limitations was already past, and now it is being double reported with absolutely no help from either debt collector, or XXXX XXXX.
Consumer complaint received 2023-02-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I applied for a HELOC and when I went to my closing it was brought to my attention the processor, XXXX was her name, added a discount where I was told to accept it and just pay it back the next day. Its what all our customers do they said. I was unaware that I would be charged interest and was not happy when I saw the bill. I went to the branch and the manager said they would waive it for me and report the young lady who deceived me and baited me into taking the money.
Consumer complaint received 2022-10-15
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. (MO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXXXXXX Balance : {$8000.00}
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} ; XXXX XXXX XXXX Balance : {$8000.00}
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$5500.00}
Consumer complaint received 2019-07-17
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: CITIBANK, N.A. (MO)

I meet a white male on the XXXX  app who said he paid Citi card off, I provide him my password and username. I let a person into my Citi to help to pay credit card XX/XX/2019. This person in turn want to 10 gifts worth {$1000.00}. I owe {$990.00} which he paid off by his credit card. I was told by XXXX it was scam when I try pay for ten gifts with {$200.00} dollars with cards. They ten gifts card are steam. This person add his bank acount on my Citi credit card which I delete his account off my card as soon as I found it was a fruad or scame I report it to Citi bank, change my password, cancel the old card and replace it with a new one. The Citi put the {$990.00} back to my bank and charges back on my credit card. I know owe this person {$990.00}, because Citi Credit card will not refund him back.. I am getting text s from him and what he claims to be his borther. This person claims his borther works for the FBI. The borther got hold of my phone number without a warrant, so he has my address and phone number. The guys name who paid the credit claims to be XXXX XXXX. They have provide me this information Account number : XXXX Routing number : XXXX Name : XXXX XXXX XXXX : XXXX XXXX All I want was to give the money back to him. They threating me to press Criminal charges on me. All Citi has to do is refund the money back tohim. I receiving text from these numbers ( XXXX XXXX XXXX and ( XXXX ) XXXX, ( XXXX ) XXXX. I try to send it via XXXX, but my told me not wire money this individual. I call XXXX to cancel this transaction. Also, I got a money at XXXX on XX/XX/2019, so I can mail some money back him. I was trying payment arrangements with him and his borther. I still have money order will put the money to my account. The bank resend the back to my credit on XX/XX/2019.