davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

Citibank is intentionally delaying posting of payments received when account is in interest-earning mode. My experience has been that payments are posted quickly when the account is earning them no interest. I'm accustomed to payments appearing on my citibank account within about four days of mailing them, when account is not earning interest.

But when I do not make full payment and account begins earning interest for Citibank, payments suddenly start taking up to two weeks to post. When they are posted, they are sometimes backdated a day or two. That leads me to believe they're not posting until payment clears my bank, which is a separate issue. But even backdated a day or two, they are still posted to my account quite tardily. 

Furthermore, Citibank has many locations where they can process my payments, yet they force me to send them across the country to XXXX, AZ. Do California customers mail their payments to Citibank 's NJ location? 

All of this adds up to Citibank manipulating customers to get them to pay interest which Citibank is not rightfully owed. 

At this time, I am waiting for Citibank to post payments which were mailed on XX/XX/XXXX : Check XXXX for {$3900.00} and XXXX for {$19000.00}, Please : a ) Cause Citibank to post the two payments today that they have had in their possession for several days, b ) Take long-term action to force Citibank to cease manipulating payment locations and timing to exploit customers and earn improper interest.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (TX)

I called the Synchrony Financial about my XXXX XXXX XXXX XXXX  card. I explained to them that I have been going through a cut in my finances over a year due to I was in XXXX XXXX XXXX but continued to pay them but now I have to go back to work and I need time to get back on my feet. I spoke with a representative and they told me if I dont have any income at this time they cant help me. I explained to them I coming to them for help I have never been late never called with an issue nothing but they can not help someone that has credit protection through their company.
Consumer complaint received 2020-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX i logged into my paypal acct ; although the payment screen on my mobile phone and desktop said " next auto pay '' XX/XX/XXXX - no payment came out - i have a screen shot of the desktop showing the issue. It would not allow me to screen capture on my mobile device. 
When I called to point out the problem - they stated i changed the autopay and it takes 30 days to get into the system. 
However their website site should not reflect XX/XX/XXXX if it was within 30 days - it should have reflected XX/XX/XXXX. 
Additionally, when I asked to speak to a manager they put me on hold and never got back to me or let me know how long it would be. As I am at work I had to drop @ 22 minutes 46 seconds. 
Because the payment is a day late, it will now affect the special financing of 6 months. 

So, I find it extremely deceptive that their payment Auot-payment screens dont reflect real time reality.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (FL)

On XX/XX/2010 I received an ALERT email from Experian. My credit score went down 20 points. I reviewed my credit report and found the mortgage reporting business XXXX, XXXX is a creditor side monitoring service. My existing creditors may use them to watch for " triggers '' on your reports. Triggers include mortgage apps, bks, late payments, other inquiries, and more. They pull my report and alert their customers if something changes. Experian doesnt dispute hard inquiries. Even if I didnt authorize a credit check. Im seeking to have XXXX removed from my credit report and reinstatement of my credit score.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Presto Loan Center, LLC (NC)

I had a secured auto loan through Presto Loan Centers. 2 of the 3 credit bureaus XXXX  and XXXX   both showed that the account was closed as an owed debt and that the debt was purchased by another debt collector. I disputed this with them because that was not the case. The account was opened at a term of 14 months. All 14 payments were made and the account was paid in full and i satisfied that debt. I informed both companies that they had incorrect information. Instead of investigating and fixing the issue they just deleted the entire account. I would like this corrected and have it put back on my credit report paid in full.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Account XXXX XXXX XXXX Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. So, what is it that you have to verify if you didn't contact them, you don't have anything that I've signed and no one has any proof? Please remove these accounts for failure to verify : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. I am quite miffed that you have included the following information on my credit report. These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. 

Please review attached Documentation all inaccurate information is circled in RED The original creditor are reporting these accounts as full paid proof will be attached XXXX XXXX XXXX IS THE ORIGINAL CREDITOR
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

To Whom It May Concern : I am disturbed that you continue to list a dismissed ( filed ) bankruptcy as confirmed. I am aware that you receive your information from a third-party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number.

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief. '' Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have no right to maintain information which the government has deemed non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering it does not require an investigation, I would appreciate your response within two weeks from the date you receive this letter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-25
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: WELLS FARGO & COMPANY (CA)

I have been trying to fix this problem for 8 months. I have a personal loan for the amount of XXXX and XXXX   and wells fargo cant seem to get this corrected and I've been disputing this for too long. It is a SHAME that these companies are failing to adhere to the laws and rules of this game they are playing with me. Wells tells me they are reporting and XXXX  tells me they have not. XXXX  even had me upload my loan documents that clearly show the loan amount of XXXX but they don't have it reported and told me that wasn't sufficient enough for them. Now I really don't know what to do. I am losing credit for my loan I've been paying on for 8 months. The loan amount shows unavailable and the balance is XXXX with a XXXX monthly payment, and it says 0 % of this loan has been paid. Please help me. This has given me undue stress and I don't deserve to be treated this way. My credit is very important to me and I think they should be ashamed of how they have conducted themselves. Ive disputed this account 5 or 6 times and still no correction, it's despicable to say the least. Thank you for your time and diligence in this matter.
Consumer complaint received 2022-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to get inquiries from unknow Companies corrected and removed sent to Credit Bureaus and to the companies as well Certified mail, both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX XXXX XXXX TRANS UNION XXXX  XXXX TRANS UNION XXXX XXXX TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report
Consumer complaint received 2020-12-03
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 am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report
Consumer complaint received 2020-02-25
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: ID Analytics, Inc. (GA)

My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.
Consumer complaint received 2018-03-13
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: Experian Information Solutions Inc. (NC)

I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX.  They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I've called the credit bureaus to try to correct my information and removed the addresses that are not mine and was a sibling address and they have not removed it. 

I sent a letter out XX/XX/22 and I am sending one out today again to make sure they do it but I need this done soon as possible.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I am a US citizen. I have had a CapitalOne credit card and savings account since at least XXXX. I moved to XXXX in XXXX because of my husband 's federal job. We retired in XXXX and stayed in XXXX. While living here we went paperless because the mail from the US is unreliable and slow, risking late receipt of bills and payments. Until XX/XX/XXXX, I had been able to go on-line to view my account, reconcile charges, make payments, and transfer money. Suddenly CapitalOne insists on XXXX step verification for security purposes using a US telephone ONLY. They refuse to use my XXXX telephone or my XXXX for XXXX step verification ( yet they use my email to let me know about posted credit card payments! ). I also have accounts with XXXX XXXX  and the XXXX XXXX XXXX XXXX and they do XXXX step verification with my XXXX phone and my email without any hassles. If they can do this, why can't CapitalOne? Although my credit card and savings accounts are still open, I can not access them electronically. Cap1 has, in effect, refused service and cut me off without any grounds other than where I live. What if XXXX and the XXXX decided to do this? That would be tantamount to preventing me from being able to live in XXXX. Does Cap1 have other US customers who reside overseas, perhaps XXXX XXXX  service members, embassy personnel, federal employees, international businesses employees? Has Cap1 cut these customers off too? Is it legal to demand that a US citizen and Cap1 customer residing overseas only use a US phone for XXXX step verification? We tried already to get a US phone to use here -- US Voice Over Internet Protocol ( VOIP ), but Cap1 wouldn't accept that. No US provider will otherwise let us have a cell phone because we don't live in the US. When I called Cap1 to complain, their proposed solution to my problem was to use the phone of a relative in the states for the XXXX step verification. That is impractical. Overseas calls are expensive. Most of my relatives are elderly and not computer savvy. I can not inconvenience my relatives every time I need to access my Cap1 accounts. The window of time allowed to input the verification code would have long expired by the time I called a relative in the US. And what if I had no living relatives?
Consumer complaint received 2020-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

Hello, my name is XXXX XXXX I am contacting the CFPB to help resolve and identity theft account that was open in my name in another state. In which, I have never lived in the state my entire life. I have an account hat was open in the state of Colorado. The address is XXXX XXXX XXXX XXXX, XXXX, CO XXXX in which I have never lied at this address. I filled out an identity theft affidavit with XXXX already informing them that the account they have on my credit report and with the ERC is not mine. After contacting the collection company Enhanced Recovery Company LLC by phone and mail the collection company provided me with the contract. I hired a consumer investigation company to investigate the fraud and have it removed from my credit report. I will provide the affidavit XXXX got back in touch with me asking for information I provided proof of residences with my driver 's license. I like to also, inform ERC, XXXX, and the CFPB that at the time the account was open I already had XXXX in XXXX, Texas. I open my XXXX account on XX/XX/XXXX and closed it on XX/XX/XXXX. There is no way I could have open two cable companies ' accounts. XXXX can be contacted at XXXX. The address where the account was open is XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I am going to provide all the documents I shared with XXXX, the collection company response with my contract, and my proof of residency at the time from XXXX XXXX. I tried to upload the proof of residency to XXXX but their online system is not working I kept getting an error message.
Consumer complaint received 2018-11-13
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. (WA)

I have disputed the late payments report on XXXX XXXX XXXX The Credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Performance Management, LLC (PA)

On XX/XX/XXXX at XXXX XXXX, a gentleman named XXXX called my secretary to tell her that I was being subpeoned and he needed my information. I was not in the building and he asked to speak with my boss. He then gave her his number and my social security information and a case number. I then called on XX/XX/XXXX at XXXX XXXX and was connected to XXXX from RPM credit collections who then told me that legal action was to be taken against me and they would show up at my place of employment to get garnishment information from my employer. He then stated that they would embarrass me at my job.