davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc. (MD)

I filed a submission to FDIC - Reference Number : XXXX I called XXXX XXXX XX/XX/2018 regarding two credit card accounts I have with them XXXX and XXXX XXXX  credit card accounts. The issue is the rewards program which seems fraudulent they offer and the miscalculation of my XXXX XXXX credit account and poor customer service. The account manager refuses to resolve the issue XX/XX/2018. XXXX XXXX I ordered {$220.00} ( See attached order ) worth of merchandise out of {$500.00} credit, it left me with a balance {$100.00} which is wrong, it should be {$270.00}. It seems that XXXX XXXX is trying to enrich themselves by overcharging me false purchase I never made. The XXXX XXXX customer service representative was very rude, had me on hold for a long time and bringing XXXX into our conversation. Then her supervisor name XXXX was sarcastic because she wouldnt listen about my order and she acted very rudely especially I inform her that the customer service agent was rude and nefarious. XXXX acted so rudely I requested her supervisor the Account Manager. The Account Manager agreed with XXXX, however, didnt hear the conversation. His tone was cold, and he acted unprofessionally about my credit account balance blaming it on XXXX XXXX customer service. I called XXXXXXXX XXXX customer service and they agreed how much I ordered {$220.00} and the XXXX XXXX credit department miscalculated my credit card. See the attached receipt. XXXX XXXX is trying to enrich themselves by charging me extra charges on my account which I didn't give permission nor charge but {$220.00}. XXXX credit card- XXXX XXXX I was sent an email from XXXX  that I had XXXX rewards points and XXXX leftover points ( see attached email ). However, I have only XXXX reward points. Then I was sent a rewards certificate for {$30.00} and the CERTIFICATE # XXXX didnt work. When I called Customer service at XXXX XXXX the customer service acts rude and they only applied a lesser amount of points when I ordered over {$400.00} dollars worth of merchandise. The rewards program seems fraudulent to get a customer to order but they dont want to give the correct amount of rewards. The rewards program needs to be reevaluated.
Consumer complaint received 2018-09-19
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. (MI)

XXXX XXXX XXXX I have No knowledge of the account information and its inaccurate.I contacted them by phone and the representative hung up on me, once i stated I have no knowledge of account or whatever it is. 

STATE OF MI XXXX XXXX XXXX ACCOUNT ISNT PAST DUE AND IS PAID IN FULL. I contacted them. 

I have inquiries that were made on an auto loan that I never acknowledged nor did i approve of.
Consumer complaint received 2018-09-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (NV)

In XX/XX/2018 my girlfriend and I moved across the country from XXXX to XXXX, XXXX so she could pursue her career with a new company that offered her a significant promotion. After this move my finances were drained from all the expenses involved. I had to use my stipend from the federal student loans I had acquired from the previous semester to cover these costs. This stipend had been budgeted for the cost of my car loan. Having no other option I had to use that money to cover those costs. While in my new city it took until late XX/XX/XXXX to find a decent paying job. During this excruciating process I then fell way behind on my car payments that I had diligently stayed on top of for over two years. The car was repossessed and had been taken THREE HOURS away to XXXX, CA. ( to make matters worse ). After about 45 days I was able to save enough money to reclaim my vehicle. This wound up costing me {$2000.00} that I had to scramble to save. Since this time I have been on time with all payments ( 5 months ) and I believe my positive track record of paying on time for over two years prior to the repossession should speak for itself. These 3 late payments are weighing very heavily on my credit report and hinders me from getting more favorable loan agreements.
Consumer complaint received 2018-10-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SN SERVICING CORPORATION (OH)

I have been receiving letters for almost 2 years about a mortgage that XXXX County Ohio revitalization has taken over. Servicing Corporation has been sending letters stating that I owe a principal amount of XXXX, with an escrow adjustment of {$240.00}. 

I got a letter yesterday, XX/XX/18 with a balance due of {$0.00}, however stating " the borrower remain liable for the mortgage loan obligation and any obligations arising from or related to the property, which may include property taxes ; the borrower may be required to pay the balance on the account in the future, for example, upon sale of the property ; the balance on the account is not being canceled or forgiven ; and the loan may be  purchased, assigned, or transferred ''. 

The debt in question is not listed anywhere on my credit report ever or as of today XX/XX/18.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX XXXX, XXXX, NC XXXX I spoke to Ms. XXXX XXXX, she said , she was unable to pull anything on my name from their system. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with TransUnion. The XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. 
THIS ACCOUNTS WERE NOT MINE AND NEED NOT TO HAVE ESTIMATED MONTH AND YEAR TO BE IN MY ACCOUNT TILL XX/XX/2022 SPECIFIED BY TRANSUNION. I know the account have been closed. Thanks for the good job. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX , CO XXXX, Tel:XXXX The account was not mine. I spoke to XXXX XXXX, ext : XXXX. He verified and said, the account was not mine and he had sent it back to XXXX. Where do you called that, the information was verified as accurate? Call the number again and ask for XXXX XXXX.Tel:XXXX ext XXXX  please.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (OH)

There is a collection account held with Caine and Weiner from  XXXX XXXX XXXX XXXX for {$270.00} reporting on my credit reports that is inaccurate. This account was paid in full, prior to ever being sent to collections, and should be removed from my credit reports.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute the reporting of late payments on my account from XX/XX/year> to XX/XX/year>. These payments were inaccurately reported as late due to circumstances directly related to the CARES Act, specifically in regard to financial hardship I faced due to job loss during the COVID-19 pandemic.They are hurting my credit restricting me to obtain credit. Under the CARES Act, financial institutions are required to offer assistance for those affected by COVID-19-related hardships, including job loss. As I was directly impacted, I requested payment relief and was under the assumption that my account would be protected from negative reporting during this period. Despite these conditions, late payments have been reported to the credit bureaus for the above-mentioned months. I kindly request that you investigate this matter and correct the reported late payments. Please take the necessary steps to ensure my credit report accurately reflects the agreed-upon payment deferral.I expect confirmation of the removal or correction of these late payments within 30 days, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that this correction has been made. 
Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.
Consumer complaint received 2024-10-10
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. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - The following inquiries were not authorized and should not be reporting.
Consumer complaint received 2018-10-02
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: JPMORGAN CHASE & CO. (CA)

I'm writting to dispute an unauthorized charge for the amount of {$1000.00} was apparently charged to my Chase credit card account ending XXXX as of XX/XX/2018. I am requesting that the error is corrected, that any finance of the amount to be credited to my account, as consumer will not be held responsible for any mistake by the institution or merchants. I have contacted to the original merchant XXXX in regard of this unauthorized charges, and have come to an agreement to have the unauthorized charge to be resolved. Please provide the bill of sale, authorization of charges within 5 business days period. Unable to comply with request determined the unauthorized charges to be void. *Under Fair Credit Billing Act ( FCBA ) its mandatory to comply with disputed request of 161.Correction of billing errors, 165.Treatment of credit balance, 166.Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor. 
170.Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

Bloomingdales offered an interest free 12 month special event account, in addition to the normal revolving ( or regular account ) that I initially opened. I made a special event purchase in XXXX of this year, with the intent of paying it down over the course of the next 10 months. It is my practice to pay my entire balance every month on the regular account to avoid interest charges. I have had to call the customer service line to correctly allocate my payments every month since XXXX. It has never been done correctly. Each time they try to correct their error it got worse. 
I stopped shopping at Bloomingdale 's in XXXX, so that I have only the special event account ( interest free ) with a remaining balance, and yet every single month I get a statement showing an open balance on my regular account, and an interest charge. 
I have spoken to numerous credit manager at Bloomingdales. Each has been embarrassed by the mismanagement of my account. Each time, the interest is reversed.

I want to report Bloomingdale 's for their fraudulent practice of charging interest on a special account set up to be interest free.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

RE : RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Experian, XXXX. XXXX, Experian, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Healthcare Management, LLC (CO)

When the summons was delivered to my work, it was handed to someone other than me. As I understand it, this violates HIPAA standards. I can furnish a notarized statement from this individual if need be. 

I should add, the summons was offered without a case number on the form. If it had had a case number, Or if it had been delivered by a Sheriff or someone more official, I would not have judged it as a collections ruse to scare me into complying.
Consumer complaint received 2018-10-02
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. (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXXXXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX bank account. I have never done business with any of these companies I don't know who they are : XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( FTC ). THE FOLLOWING ADDRESS ARE NOT MINE PLEASE REMOVE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2018-10-02
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: Key Mortgage Services (IL)

XX/XX/XXXX, I attended an event and was introduced to XXXX XXXX of Key Mortgages as a prospective lender to work with. We had a brief discussion where I asked him from the onset if he executes a soft or hard credit pull because I did not want my credit to be pulled without the appropriate planning. He indicated that he does a soft pull for pre-qualification and it would not affect my credit score. Later on XX/XX/XXXX, I sent XXXX XXXX an email ( attached ) refreshing our conversation. Thursday, XX/XX/XXXX, XXXX XXXX replied back ( see attached ). On Thursday, XX/XX/XXXX, at approximately XXXX XXXX  XXXX XXXX and I spoke via phone to discuss my needs. He took my information which included my address, SSN, DOB, etc. I assumed that he was acquiring the information to have when he would run my credit. XXXX XXXX never asked for consent or indicated that he was pulling my credit right at that moment and I never provided written consent authorizing XXXX XXXX to run my credit. Saturday, XX/XX/XXXX, I received notification that my credit score had changed because of a credit inquiry. When I investigated further I found out that XXXX XXXX was who pulled the credit. I immediately reached out to XXXX XXXX at approximately XXXX XXXX to inquire whether he pulled my credit. He indicated that he did and I expressed that I had no idea that he was doing so. Additionally, I expressed that when we spoke on XX/XX/XXXX where I inquired about whether he conducted a hard or soft pull that he said that it would be a soft pull and would not affect my credit score. XXXX XXXX said that he completely explained to me that he would run my credit. I expressed that I was clear that my credit would be accessed but I should be the one to  decide when that would take place and that it should be perfectly clear and he should be given consent from me to access my credit. XXXX XXXX then expressed that he was upset that I was contacting him early Saturday morning. I asked XXXX XXXX to look at things from my perspective as a customer and that if I knew that he was going to be pulling my credit I would not be reaching out to him to inquire and I only knew because my credit monitoring service alerted me. XX/XX/XXXX, I sent XXXX XXXX an email ( see attached ) requesting that he rescind his actions as an error. XXXX XXXX advised that it was not possible and that he felt that he completely explained that he was pulling my credit.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc. (TN)

I received a call today from a debt collector from this agency regarding a debt they claim I owe. I initially could not get to the phone in time so I called the number back. I was informed they were trying to collect a debt. I told them that I would prefer not to be called but would instead like to correspond via email or mail and asked for written confirmation of the alleged debt be sent to my home address they have on file. The collector said that the collection calls would continue and insisted on me submitting a post-dated check for the full amount of the debt to which I refused. I again stated that I would only deal with this matter once I received validation of the debt and they again reiterated that calls would continue. In addition this debt collector is This is not acceptable and therefore I am formally filing complaint against the collection agency and again requesting validation of the debt be sent to my address they should have on file. Once received and verified that this is indeed a debt I owe then I will make arrangements to satisfy the debt.