davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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: CITIBANK, N.A. (MA)

My complaint pertains to CITI Bank XXXX XXXX XXXX XXXX which I've had since XXXX. I have that card on file with a meal delivery vendor which I have been using during COVID to get diet-appropriate meals safely delivered to my home each week. 

I was notified on XX/XX/XXXX by a meal delivery vendor ( XXXX ) that I would not get next week 's special diet meals because they could not process my {$50.00} fee on the credit card they had on file ( and had used previously ). I was confident it was their error because my account I've had since XXXX is always in good standing. I immediately called the customer service number at the CITI card and was shocked to hear that they indeed had suspended my ability to use the credit card even though I had not missed any payments on the account. 

They said they suspended it because they were currently reviewing my XXXX payment and hadn't " finished yet. '' The payment arrived a few days late, they said, despite being payment in full. I told them that : 1. I always pay as soon as I receive the bill ; I can not pay before I receive a bill ; 2. I do not control how long the post office takes to send them my payment ; 3. I do not control how long they take to process my payment ; 4. I have always paid 100 % in full ; I have never carried a debt on any credit card ; 5. The CC agreement, as I read on line, indicates that the card can not be cancelled until THREE payments have been missed. 
6. How can they rightfully decline a payment for a vital home-delivered meal service no less, during a panedemic, for a client who is in excellent standing with a credit score of XXXX? 
7. I spoke to a manager who agreed that the policy is insensitive to the needs of cardholders and makes no sense but she insisted it was being applied to all cardholders. I find no written evidence of this policy in my paperwork.
Consumer complaint received 2024-03-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

I called Synchrony Bank as they turned off my physical paper statements for no known reason. They have billed me amounts that are significantly different than the purchases I have made with Amazon.com and I have no way of tracking these purchases as they could not help me.

They have no online system in place to view statements or transactions at Synchrony Bank. They suggested I link the accounts, which I did. This did not help as all sign-in attempts were unsuccessful and the CS rep could not help. I asked for a manager and she advised there is no manager available. I was not able to view my transaction history to match it with Amazon 's online purchase history and therefore, she suggested I dispute the bill. To which I replied dispute what charge???? I can not see what is accurate and not, I just know they amount the statement amount is much larger than my purchase history for the past XXXX months and I have no way to verify it. 

XXXX was the Rep. that spoke to today and she requested a manager at my request. There was no manager today to go over this.

Unfortunately, without statements I have nothing to attach. It used to be that we could view all of this on Amazon, but since Synchrony took over this is no longer the case.
Consumer complaint received 2020-11-23
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: Exeter Finance, LLC. (OR)

Although I had experienced identity theft, and had been communicating with Exeter Finance and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.
Consumer complaint received 2016-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NV)

I feel that I have been a victim of the Fair Debt and Collection Practices Act as well as the unauthorized bank payments from Navient. They enrolled me in autopay even though she put me on and I told her to take me off. I unchecked al all of the boxes for autopay and their computer system put it right back on. 
These are UNAUTHORIZED transactions. I feel that this should be looked into on the part of Navient. This could cost me over XXXX in interest alone.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-03-02
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I opened a dispute on a product sold on Amazon.com after the product became dangerous and caused one of our family members to experience a XXXX XXXX. I was not credited {$76.00}. Before filing this dispute, Amazon also gave me the runaround promising a refund and a free shipping label. After several attempts via phone and chat, NONE were provided. Amazon has lied to many customers repeatedly and i myself and my family have proof of this. Upon further investigation, we can only conclude others are facing this same issue with both Amazon and Synchrony Bank doing these horrible unlawful things and they are doing it together. ( Back to the Synchrony Dispute ).. I filled out the Dispute form on this same said day and gave all of the required documentation and information requested. I was not ever credited even temporary on my account and this bank is not cooperating in any way shape or form via chat, and or phone. This bank is not following The Fair Credit and Billing Act of 1974 and has no regard for their customers or the laws setfourth under our legal systems by congressional ruling. I highly suggest you look into this unfair and corrput Billing and Banking practices, as we are now pursuing a class action against both corrupt " companies '' Thank you
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime (AZ)

XXXX XXXX /drive time is reporting me 30 days late the month they received my pay off from the new purchaser my vehicle was sold XX/XX/2020 to XXXX XXXX a pay off was requested XXXX XXXX was informed bill of sale was reported to mvd /dmv pay off was made I have never been 30 days late with XXXX XXXX  in the XXXX years of having an auto loan with the company when i call they say their credit team will fight any dispute i have and report my final payment " my pay off " as 30 days late and there's nothing i can do about it I was in the process of buying a home and this hit dropped my credit score 44 points the fact that my history with them has been great and the month They get their pay off and im no longer stuck paying them thousands in interest i feel like they are punishing me when I have pay them in a timely manner I have already reported the company to the XXXX  because of of the mangers told me thats the only way i will get any help from them
Consumer complaint received 2022-07-19
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. (NJ)

On XX/XX/XXXX I sent a complaint to this company for furnishing items unlawfully on my consumer report. I have not heard from this company, and they continue to furnish items that violate my rights as a consumer. 18 U.S Code 1341 Frauds and swindles. This company has no regards for federal law. I have accumulated multiple violations on this company 's behalf. Including 18 U.S Code 1028A aggravated identity theft, 18 U.S Code 872 Extortion, 18 U.S Code 880 Receiving proceeds of extortion, 18 U.S Code 1972 Racketeering, 28 U.S Code 4101 Deformation of character. That's not to mention the FCRA and the violations this company preformed by sharing my information without my consent.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please be advised that I have already received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that have used a third party credit repair agency. Not only do I believe this to a way to prolong this investigation, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is another way to stall. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (DC)

I have a credit card through Citibank with a {$450.00} annual fee, Citibank mailed me a new card agreement right before my renewal date stating my annual fee would now be {$350.00} and I would have no late fee penalties and a reduced annual interest rate. After I renewed my account and paid the annual fee I received a letter from Citi stating that the previous letter had been in error and the fee was still {$450.00}. I called Citibank to try to resolve this matter and was told that they would not stand by the quoted annual fee. I feel this is a case of bait and switch that deceived customers.
Consumer complaint received 2021-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bonneville Billing and Collections (UT)

Bonneville Collections is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting. I immediately called and settled this debt. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my XXXX  day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite XXXX All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX I sent the following letter to all three major credit bureaus via certified mail. With no proof of items disputed recieved back. I am asking for a deflection due to no response or proof of items letter sent below. 

XX/XX/XXXX Hello, This is a formal complaint because I am extremely upset and confused about the information included below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please obtain and provide the following Original Contract Payoff Disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please delete this misleading information if the items above can not be supplied. Please supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have 30 days to complete your investigation. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Account Name : XXXX XXXX ( XXXX  ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : Online Information ( XXXX XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX XXXX I received my order from XXXX XXXX. It was made incorrectly so I reached out to support for a resolution. They refunded my whole order back to my debit card and I was told it should appear in my account in a few days but it was already processed so its just pending for my bank. I reached out to my bank the next day to ask if I had any pending returns to my account from XXXX XXXX  and they told me no. They dont see no refund issued by that merchant so I reached back out to XXXX XXXX  and they told me that is incorrect they processed the refund on their end so there must be a problem on the banks end. I would just like to make sure I get the refund I was already promised.
Consumer complaint received 2023-03-29
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. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX  XXXX XXXX Balance : {$290.00}.
Consumer complaint received 2021-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Bank card ending in XXXX - payment was negotiated through Federal Debt Relief Program, paid in full and balance subject to 1099. They are claiming I owe {$6500.00}, this amount should be XXXX. Their statement on my credit report is FRAUDULENT as this account is paid in full with a XXXX balance.
Consumer complaint received 2021-06-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Santander Consumer USA Holdings Inc. (WI)

XX/XX/XXXX I went into my credit union to get a loan to purchase the vehicle since the lease termination date was coming near. Within that payment was also my last month 's payment. I had called them a few times during the week to see if they had received it yet, but they didn't, so I made another payment, not wanting it to be late. 

I called afterwards when I saw that they received the both the buyout and my payment asking when I'd get my refund. I was told 30-60 days.So I called again on XX/XX/XXXX at XXXX and was told to wait another 30 days. So I did. And no refund came yet. I called again on XX/XX/XXXX since it was another 30 days. I was told that they'd get it mailed out and it should be there in a week. A week later and I'm still without my refund.
Consumer complaint received 2023-03-29
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-03
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)

my identity was stolen and I have submitted the information to Experian at least 6 times since XXXX, they still will not remove all of the accounts. The accounts that were opened fraudlently in my name are : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX  XXXX INQUIRIES 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 2015-04-08
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was charged by Bank of America for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me.