davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. ()

In XXXX or XXXX of this year I attempted to pay my Citibank Costco Visa account via their website. I scheduled the {$400.00} payment online for my next pay date which would have been for the XXXX or the XXXX of the following month. I went about my life and thought nothing else of it even though most of the time I paid them by phone. The following month I realized that my bill was never paid. After contacting them, they said that my bank denied the payment. I contacted XXXX XXXX XXXXXXXX to see what happened. They said that they never received a request to pay to bill. I assume that the Citibank website failed since my bill had definitely been set up and they acknowledged that by saying XXXX didn't pay it. I contacted Citibank once again to try to fix the situation. I did not want to be responsible for late fees and interest since it was their mistake. They would not work with me. I said fine, I will not pay you until you take care of the situation. This has continued all year with my credit score dropping monthly as late days and fees spiral. I check once a month to see if they are ready to negotiate the problem, but they never do. I have been with Citibank many years and have had great credit scores until this. I thought surely with the Covid epidemic and many people not being able to pay, they would be willing to straighten this out. It hasn't happened. They call me every day twice a day about this but are not willing to do anything. Last time I spoke with them they said that they needed a payment to even talk about it. Again I refused their strong arm tactics. I am willing to pay my bill. I am not willing to pay the late fees and the interest accrued because of this. I have two other Citibank cards without any problems since I didn't use their website to pay the bills. My ex has had problems with them, too. He ordered something online that he never received and they charged him anyway. Even after sending them the tracking information showing them that the product never left XXXX, he was still responsible for paying. Knowing my situation with them, he paid it, but these people are ripping off citizens left and right and are not paying for any of the consequences. They are unfair, especially considering the amount of money they received from the bailout at taxpayers ' expense.
Consumer complaint received 2024-01-30
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. (CA)

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Called Equifax today, XX/XX/2019. Several months ago I asked for a freeze on my account because it appeared that someone had fraudulently accessed my account. I needed to have the freeze lifted so that I could apply for a new credit card. 

I called Equifax and got a woman in XXXX who was hard to understand. She asked me a number of questions which I answered easily but then she wanted to know what credit cards I have and the minimum payment due. I told her my credit cards but said I always paid off the balance each month. She kept telling me to answer the minimum payment question which is a XXXX  question. The full balance is paid directly from my checking account each month. Moreover, the amount would fluctuate monthly. She continued to tell me to answer her unanswerable question. Finally, I asked for a supervisor but he also insisted I answer this question.
Consumer complaint received 2017-11-29
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 Consumer USA Holdings Inc. (MD)

1 ) XXXX XXXX ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 )  Santander Consumer USA ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (IL)

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3.XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXXXXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified 7. XXXX XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX  Theft report number. XXXX
Consumer complaint received 2019-05-14
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. (NY)

I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.
Consumer complaint received 2018-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (TX)

I checked my report while trying a free monitoring service and see a item that I do not owe being I have different service and I always paid on time. From research of other consumer financial protection bureau reviews I am requesting you to delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

In response to the complaint XX/XX/XXXX everything a representative said from citi bank said isn't not truth because on XX/XX/XXXX i made a phone call advise them that i suspected unauthorised online wire transfer on my account ending XXXX, I spoke with a gentleman he says that transaction will took 24 to 72 hours to be clear therefore I will fallow a claims in then less than 30 minutes passed i called again a lady answered me saying that unauthorised online wire transfer send hourly at the morning she let me recalled for you and follow a disputed I never heard from them they're staying on still unknown person did another 2 unauthorised transactions again by XX/XX/XXXX and XX/XX/XXXX a representative from citi bank said they will send a notice by mail never received, now they're tried to confuse me i recalled on XX/XX/XXXX that is true them fault and negligence of 3 unauthorised online wire transfer, no excuse i need and I want my money back to my account ending XXXX because I made a phone call on XX/XX/XXXX for the first transaction they waited for another 2 more therefore they bank errors no order alternative just refund me my money back please.
Consumer complaint received 2020-04-20
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. (GA)

On XX/XX/2020 I called Experian to dispute an address that I advised them that was incorrect and asked them to remove it. The address of XXXX XXXX XXXX XXXX XXXX Ga XXXX. I spoke with XXXX the male rep who refused to remove the address because he stated it was linked to an a closed account. He also stated that this one closed account is the only account reporting the incorrect address. I asked him to dispute the address per my FCRA rights, as Id advised him it is incorrect and he refused again. He told me the closed account that the address is linked to had not been updated in five years. I again advised him that this is an incorrect address and to delete it. He again refused. I then asked to speak with his supervisor for further assistance, in which I was placed on hold for an additional 20 minutes before I ended the call due to a long wait. I was on the call a total of 1 hour trying to dispute this inaccurate address.
Consumer complaint received 2018-06-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

I have made my payments to GM Financial for 36 months. My lease was up on XX/XX/XXXX I want to buy my car and have been approved for a loan to buy it at a credit union. On XX/XX/XXXX, I paid my XX/XX/XXXX payment through XXXX on my XXXX Account. I have paid my loan this way several times. The money was taken out of my account and applied to the wrong account at GM. It was determined at XXXX   that the loan number was off by one number. The payment had always had the wrong loan number on it so it must have manually been applied. I have talked to GM at least 15 times and XXXX 6 times regarding this issue. I have been told numerous times that someone was working on it and would call me back. No one has ever called me back. I have never been given a phone number and name of someone who was handling this complaint. I have not had anyone work on my behalf at GM. I have spent HOURS of my own time trying to chase down this payment. I paid my XX/XX/XXXX payment in XX/XX/XXXX so it wouldn't be reported to the credit bureau. GM has been provided proof from XXXX more than once that the payment was made and it is still not rectified. I receive 3-4 phone calls a day from GM telling me that I'm late and asking if I want to make a payment. I owe them nothing else but the car is still in my possession b/c I want to buy the car. I need help getting this resolved and ALL fees associated with it refunded!!
Consumer complaint received 2021-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... KOHLS/CAPONE XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2018-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (IL)

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent onXX/XX/XXXX to XXXX   disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX   dispute letter for Toytota, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX   5.XX/XX/XXXX XXXX, XXXX  , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX
Consumer complaint received 2016-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (GA)

I paid the debt with the original creditor, XXXX. I do not know why it was turned over to Diversified Consultants, because I did not do anything wrong. Diversified Consultants is continuing to report the bill as open and unpaid on my credit reports, though I have called them, directly, twice to resolve this matter. They refer me back to XXXX and deny ever speaking with me about this matter. XXXX refers me back to the collection agency, when I contact them. It should have never been turned over to Diversified Consultants, and neither party is attempting to work with me to resolve this issue. In the midst of this, my credit report is being negatively impacted.
Consumer complaint received 2020-01-21
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. (WY)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 - 180 ) days late on the XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

This is my second time reaching out to your agency filing complaint against XXXX XXXX out to your agency regarding same issue. To this very day company has not fix or remove this account that is damaging my credit. My original complaint # XXXX. A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX /XXXX XXXX  . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. XX/XX/XXXX @ XXXX XXXX I made one last attempted to resolve issue with XXXX XXXX  and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXX XXXX had sold account back on XX/XX/XXXX to XXXX XXXX. XXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Consumer complaint received 2016-09-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called to find out what was going on with my inquiries because i checked my report and they were gone and then I got a message from my monitoring service that my score had dropped because those inquiries were added back on. I was told there was n't anything that could be done on there end and to contact the creditor.
Consumer complaint received 2021-04-22
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. (CA)

Several credit cards have me marked as late. All lates were during the current XXXX XXXX health crisis and should not have been shown as late on my reports. In fact, the lates should actually never have been marked as such. The XXXX cards reporting as late were XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX. Again, these lates should never be reported on my credit reports and now my credit score has been negatively impacted.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I am reaching out to request some delinquencies to be updated on my credit files I know the account was charged off and I settled for a less amount of the balance. During the time of the delinquencies I was going through a really hard time in my life due to medical issues that kept me in the hospital for months and not being able to pay my bills in a timely manner. I am working to back track and fix all the issues my health has caused. I am requesting for a update of delinquencies that are reflecting from XX/XX/XXXX until the account charged off. If it was not for me being in the hospital starting in XX/XX/XXXX up until XX/XX/XXXX I would of tried to make sure I was faithful to my obligations. The account is also still showing open on my XX/XX/XXXX credit profile I am not sure if this inaccurate information that is reporting. I am requesting that it is updated to reflect closed.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

on saturday XX/XX/2022 @ XXXX i received a text message from phone number XXXX stating the following : <! >BofA : Your card has been temporarily taken down due to some pending activity. Follow sectl4sbofa.com to regain your access the thing is, i don't have a BofA card and don't believe i've ever had a card with them this is not the first time i received a message like this please follow up with this and advise
Consumer complaint received 2021-01-24
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: National Credit Systems,Inc. (MI)

I have sent letters over 120 days ago to this this bureau ( XXXX  XXXX XXXX XXXX XXXX ) and the educational institution XXXX XXXX XXXX XXXX XXXX and they are disregarding a regular consumers disputes. 
I am very stressed and have been sending letters prior to this and have yet to receive a response. 
This has consistently severely impacted my credit report and hindered my familys progress during this global COVID Pandemic. 

Account Number : XXXX