davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (CA)

I have FAILED TO PAY a debt from SYNCB/TJX COS. 
1 ) I made a purchase and the credit card bill was sent to wrong address.

2 ) due to wrong address, bill wasnt paid 3 ) showed up on my report : I called to pay the debt off after learning it was sent to the wrong address **** 4 ) I paid IN FULL the amount owed and was told it would reflect in 10-45 day back in XX/XX/XXXX ***** 5 ) I CAL EVERY SINGLE  MONTH for over a year and talk to the SAME representative who tells me okay we left a note and it will be updates sorry for the inconvenience **** 6 ) today I called and refused to settle for a verbal and talked with a supervisor which HE told me there is NO DEBT OWED - and it had been reported and sent to be updated. 

***** 7 ) TO THIS DAY XX/XX/XXXX IT HAS STILL NOT BEEN FIXED and has on my report showing balance due : {$110.00} and failure to pay and has not been changed and is affecting me to this day! 

The supervisor stated theres {$0.00} balance, stated its been updated, stated that to call again in 10 days. 


This has been a issue over a year, killed my credit score, and is affecting my ability for loans and other things that require good credit.
Consumer complaint received 2021-01-27
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. (FL)

Re : Dispute of XXXX charge dated XX/XX/2020 on CitiCard ending in XXXX. 

I disputed a charge by XXXX on my CitiCard. The basis of my dispute was that the prepaid hosting service was never " delivered '' as promised, configuration was never completed to allow me to use the service. XXXX claims to CitiCard that they have a " no refund '' policy. I contend that they never delivered the service, so refund policy does not apply. When I filed the Dispute with CitiCard, XXXX disabled my account and said they would not continue configuring until and unless I cancelled the Dispute. 

CitiCard made claims in writing that they had not received my documentation for the Dispute when in fact they had already sent me an email acknowledgement and admitted over the phone to receiving my documents. They made promises over the phone to reply in writing to acknowledge the documentation was received and the nature of my complaint. CitiCard then deflected this Dispute to require me to provide documentation that ... the merchant agreed to credit [ my ] account.. 

CitiCard never responded in writing and have since been calling me on average six times per week to review my account online. 

I have stopped using the CitiCard and paid them in full except for the disputed amount.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (PA)

I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in 6 months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
Consumer complaint received 2020-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank continues to fraudulently attempt to withdraw money from my checking account without proper authorization. I never authorized Synchrony to recently attempt to make debits from my account. I paid my bill using cash in the store. My financial institution has set a stop payment to prevent Synchrony bank from fraudulently attempting to withdraw funds from my account.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

One of my credit card company refuses to remove a 30 day late. I have never been late and the card has always been on autopay. I have disputed the account 3 times and have never received anything from the credit card company with explanation.
Consumer complaint received 2018-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (RI)

Started having the Chase XXXX card since XX/XX/2017. Enjoyed the benefits but hated the service ( disorganized customer service and put under periodic review twice in 3 months ). 
I applied for another credit card ( Chase XXXX ) the end of XX/XX/XXXX, and received the card a week later. However, before I even started using the new card, Chase closed all my account without contacting me via email/phone. I have done no suspicious activity or spending, paid every bill full amount and on time. 
My problem with Chase was : why gave me another credit card when this would lead to the closing of all cards? My credit score was harmed and, more importantly, the closing of account is causing great inconvenience to my life.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and XXXX XXXX XXXX immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (SD)

I filed a complaint previously on Saturday, XX/XX/2021. Citi had lowered credit limit on Citi Costco card. On XX/XX/2021, I received notification from Citi that the limit on my Double Cash card had been lowered from {$6600.00} to {$300.00}. I had recently paid off credit card so it would report available credit. This card like my other had the limit lowered a few months earlier. Thus, yet another unfair negative report from Citi. 
I still think a class action suit is in order here. Citi is feeling at risk because the pandemic has got them scared. I have not missed a payment or ever paid only the minimum.
Consumer complaint received 2021-01-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: MECHANICS BANK (CA)

Mechanics Bank/XXXX XXXX illegally repossessed my vehicle from a locked gate after my Chapter XXXX was discharged during a stay at home order during Covid-19. I was ready to pay the car off. Mechanics Bank claims I own {$10000.00} on the car when I only owe {$5200.00}. 
I tried calling and they didn't find an account on me. But my bankruptcy attorney spoke to them thus how the claim i owe XXXX on the car. They took my car the night of the inauguration. I've had difficulty with health and lost income since the pandemic arrive and that is why my attorney converted my bankruptcy to a Chapter XXXX. 

I just want help getting my car back since the tow company trespassed on private property and took the car without security permission and my landlords permission.
Consumer complaint received 2016-08-24
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Home Loan Center, Inc. (NY)

I was searching online for a loan of XXXX dollars. I contacted the lender 's ad. The following day I received a text message stating who the person was, name and ohone number. She said she could help me and that she wpuld email me a pre-application. I have saved the email and the phone messages. She asked for my bank account information and log in, which I provided. I know that was risky and I should n't have. She said she needed me to meet with XXXX of her employees to sign a form and confirm my identity. The women met me at a near by XXXX because I did n't want them at my home. The original contacte gave me the woman 's name who I was meeting and her cell number. I saved XXXX. That women just looked at my license and atm card. She sis not take down the information, but I know my license number was provided on the application. I had to write my account number and just my pin but not my debit card number. I was contacted that their would be withdrals and deposits and it was just a computer. Their were fraudulent checks mobile deposits and atm withdrawals, which I dont understand how that is possible. After my bank all of a sudden got returned checks and my account was over negative two thousand the fraud department thankfully froze my account. I have a credit union and they will not credit me anything unless I prove how this could be possible.
Consumer complaint received 2022-08-06
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. (MD)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (CA)

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX XXXX  # 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 A account without my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-01-27
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: EQUIFAX, INC. (FL)

my personal information was used by an unknown person and i can not understand how they get a hold on my information, i am certain i did not authorized any of it. i am filling a report requesting that all listed debt that does not belong to me be blocked and removed indefinitely from my credit report.
Consumer complaint received 2021-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I sent a dispute letter to Equifax and XXXX XX/XX/2021, I recently review my report and noticed that for the public record bankruptcy listing does not show that this item has been marked as in dispute nor have I have any documentation stating that the bankruptcy has been processed I am requesting a full deletion per the FCRA as far as the 30 day time window to responses.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Hello CFBP. I am reaching out again because DEPT OF EDXXXXXXXX XXXX did not correct the errors and they are reporting on the credit reports. I was the process of purchasing a home and lost out of the home due to late payments from XXXX. XXXX has incomplete accounts numbers -showing partial account numbers. Some are showing 90 days back-to-back, while some say 60 then back to 30 back to 90 the 150 days late. I have requested under law fix this by removing this erroneous information. XXXX XXXX XXXX XXXX XXXX XXXX I requested this to be removed immediately. It is against the law to furnish information that is inaccurate. 
There is also payment as if I had paid on some of the accounts. This is also not true.

1. impartial accounts and all three credit reports 2. different amounts and dates on all three credit reports 3. causing great harm to my rights to purchase and it's been an ongoing request that no one seems to take note. 4. When making the attemp
t to write DEPT OF EDXXXXXXXX is showing two different addresses? 
How was this information verified, crossed reference? How? 
I received a letter that they were not going to make changes, while I received another letter that they would remove but can't guarantee the future. The late payments are still showing on All three credit reports again with partial account numbers. 
different dates, different amounts, different actions. 
Because of this mismanaged information. I am requesting this be removed immediately. Not in 30 days. As I had lost the purchase of a home due to debt-ration being extremely too high and late payments. Which all three credit reporting agencies and reporting. I can afford to wait another 30 days for this company to fix this.

I am really needing help. 
Thank you for reading. 
XXXX XXXX XXXX
Consumer complaint received 2019-03-13
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. (CA)

I am filing a complaint in order to escalate the dispute process. I am disputing a repossession as reported by XXXX XXXX XXXX XXXX, account # XXXX, opened XX/XX/XXXX, balance reported {$5300.00}, original loan balance {$17000.00}. The reason I am disputing this is because the data furnisher was grossly non-compliant with California statutes : Notice of Seizure Cal. Bus. & Prof. Code 7507.10, Inventory of Personal Effects Cal. Bus. & Prof. Code 7507.9, Notice Before the Sale Cal. Civ. Code 2983.2, Reinstating the Loan Cal. Civ. Code 2983.2. 2983.3, Redeeming the Vehicle Cal. Civ. Code 2983.2, Furthermore, I wrote XXXX XXXX XXXX XXXX directly on XX/XX/XXXX to demand that copies of the above notices be mailed to my home address within 14 days. They did not comply, I have received no such correspondence. This leads me to believe these notices never existed, along with the fact that I never received them. I also wrote XXXX and Equifax directly, return receipt mail, to notify them that since XXXX XXXX was in gross non-compliance with the California statutes above, that they should update my credit reports for accuracy. They have failed to do so. This complaint is to address XXXX XXXX 's data furnishing negligence and willful misconduct. I am hoping that directly disputing XXXX XXXX 's data furnishing practices will be sufficient to resolve this matter.
Consumer complaint received 2018-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (IN)

I was contacted by a Debt collector ( XXXX XXXX XXXX ) on XX/XX/2018 for a debt owed ( XXXX ) to XXXX XXXX Payments. Basically there was a fraudulent purchase made by an individual using a XXXX XXXX account, in my name. I do not shop at XXXX and I have never opened this checking account through XXXX XXXX, so this must have been due to my identity being stolen last year, which is why I have a security freeze on my credit. I am working with XXXX currently in a dispute over the debt ; however they keep asking for more information than is required ( current bank information etc. ) and other sensitive information that makes them seem illegitimate. I have contacted XXXX many times, only to be given information that the case is being worked on, and there has been no status. The last time I contacted XXXX, they needed to open a " new '' case as they seemed to have lost my information. At this point, I am confident that this issue wont be resolved unless, they perform a charge off, and I take them to court as they are NOT able to validate this debt with my information, and in violation of Federal law. I will open a police report as well, as this organization and this debt are both fraudulent. 
XXXX XXXX XXXX Reference # XXXX Case : ID : XXXX
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (WA)

When I received my most recent bill from Citi Costco Anywhere Card, after reading the fine print, discovered that my interest rate was 29.99 % APR! I immediately called the company to find out why and when that happened. The representative informed me that the rate on my card increased back in XX/XX/2020 and was due to late payment/credit performance. I asked if that late fee had been refunded, he confirmed that it had. I have no idea why I was not notified of this increase, I would have immediately contacted Citi to correct and stopped using the card. I then asked him to reduce the interest to the original rate. He said that he could not do that, my card was " ineligible ''. That it is reviewed every 6 months and I would have to wait another month or two to call back and ask. Meanwhile, his answer was that I continue paying on the card at 29.99 % interest. This is inexcusable abuse by Citi to charge anyone 30 % interest on a credit card. I have always liked my Costco card which is why I use it but today 's situation is highly concerning.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (NY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (FL)

The representative contacted my mother after not being able to reach me on my line. Once I got to the phone, I attempted to inform the representative that I would send a written response to the letter I received in the mail within the 30 day response period. 

The representative then began to get hostile, unprofessional, abusive, and back me into a corner to force me to accept responsibility for a debt that is an inaccurate reporting. I informed her that I would be disputing the account in a written response but she attacked me in a manner that was extremely disgraceful. I do not appreciate being spoken to in a condescending manner or harassed after I repeatedly asked her to stop. I would like to have no further contact with this company.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (WI)

On XXXX XX/XX/XXXX, I applied to open a Citigold Interest Checking and a Citi Savings account via the Citigold Account Opening Bonus promotion page. The terms of the promotion stated that I would receive a {$1500.00} bonus upon maintaining a {$200000.00} balance in these accounts for ninety days beginning within one month of account opening. On XXXX XX/XX/XXXX, I called the Citigold Service Center, and the representative confirmed that this promotion has been applied to my account. Consequently, I deposited {$220000.00} on XXXX XX/XX/XXXX and have maintained this balance continuously for ninety days ( through XXXX XX/XX/XXXX ) and since then, thereby fulfilling the requirement to receive the bonus. However, I have not been credited the bonus as of XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I telephoned the Citigold Wealth Relationship Manager assigned to my account, XXXX XXXX, who assured me that I have fulfilled the requirements for the bonus and that he would make a service request to have the bonus deposited into my account. Furthermore, on XXXX XX/XX/XXXX, I telephoned Mr XXXX again, and was informed that the request to deposit my bonus has been approved and would be deposited into my account imminently. However, by XXXX XX/XX/XXXX, I still have not been credited the {$1500.00} bonus that I am entitled to.
Consumer complaint received 2021-11-03
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: EQUIFAX, INC. (NY)

I sent an Identity Theft Affidavit on XX/XX/2021 certified mail with green return receipt to XXXX, XXXX and Equifax. They received the affidavit based on the certified mail tracking number and failed to block information resulting from identity theft.

To my understanding under section 605B of the Fair Credit Reporting Act they must take 4 days after receiving the mail to block resulting from Identity Theft.