davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( Experian, XXXX, XXXX ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is Experian, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX ). Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.
Consumer complaint received 2023-05-04
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. (GA)

Despite multiple written requests, the ITEMS listed below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification provider, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : 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 2023-04-27
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: EQUIFAX, INC. (PA)

I am writing to file a complaint regarding two closed accounts and three unauthorized inquiries on my credit report. I believe that these items violate the Fair Credit Reporting Act ( FCRA ) as well as the 15 USC 1681 statute. 

The closed accounts are as follows : XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX. 
XXXX XXXX - XXXX, which was opened on XXXX XXXX XXXX 

I DEMAND that these closed accounts be removed from my credit report as they are no longer active and are therefore not relevant to my current credit status.

In addition to these closed accounts, there are three unauthorized inquiries on my credit report, which were made by XXXX XXXX XXXXXXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize any of these inquiries, and I request that they be removed from my credit report as they are negatively impacting my credit score and creditworthiness. 

These items violate the FCRA and the 15 USC 1681 statute, and I request that you investigate this matter and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.
Consumer complaint received 2017-08-02
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC. (TX)

XXXX XXXX sent this debt to a collection agency. The agency advised me the debt was made up of {$150.00} for the service and {$12.00} NSF fees. I spoke with XXXX at XXXX XXXX XXXX at XXXX. Then I called XXXX XXXX to discuss the amount owed. XXXX told me the only fee they had {$10.00}. They could not tell me what the {$2.00} came from. Apparently, it was for some monthly servicing charge I was not aware of. Then, I requested to speak with a manager ( XXXX XXXX ) who told me my last bill was charged {$0.00} fee for the state of TX. Then, he said it equates to {$1.00} per car. However, this does not equal {$2.00}. I requested the debt be brought back in house to pay and the fees be waived. The rep told me no and I could pay the full amount. The collection agency told me I could dispute it with XXXX with their dispute department. However, XXXX stated they have no such department. I have been attempting to speak with customer service who is not very service friendly. XXXX stated that the collection agency may have tacked on additional fees. XXXX told me they were not. I am challenging this complete debt is valid since no one can explain the fees.
Consumer complaint received 2017-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (CO)

None of the above options really relate to my issue but here 's the issue I 'm having. I paid off a judgement about 6 months ago and satisfaction of judgement has not been recorded. I have repeatedly tried to contact Resurgent but can not get any response or copy of release.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NJ)

I called JP Morgan on XX/XX/XXXXwith a complaint about the " Chase Ultimate Rewards '' program. My points are supposed to be worth XXXX  cents per point via their travel site. In trying to book a hotel room via the Chase portal, the rooms were marked up by 20-40 % above what the same rooms cost on the XXXX website.
I asked Chase / JPMC to explain why this was happening and was told it would take 7-10 for them to investigate and get back to me. I told them I believed this was consumer fraud, I asked for copies of the card holder agreement related to the Chase portal and asked JPMC/Chase to confirm that all of my calls with them were being recorded. I asked Chase to self report my complaints to the CFPB at that point.
I am very frustrated that the points I earn are being devalued by the fact that Chase is forcing me to use them via a portal where the hotels are being offered at an inflated amount, not the market value. That means the points are worth XXXX cents, not the XXXX cents in the card holder agreement.
I waited 10 days and did not hear back from Chase. I followed up on XX/XX/XXXX and was told I would hear immediately ( either XX/XX/XXXX or the morning ofXX/XX/XXXX ).
I have given Chase the opportunity to manage this directly with me, but they have n't taken the opportunity to return my call to explain how the value of the points are calculated or why I might be seeing something incorrectly via the Chase booking portal thanks
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc. (TX)

PayPAL bill me later continues to call me multiple times after sending debt validation letter.
Rep called me after  XXXX  multiple times in the month of  XXXX , I answered the phone once and told her it was against the law to call after  XXXX  Rep said " sorry I must have not refreshed the time ''.
I also sent a debt validation letter and have only received statements regarding the account. The company did not provide me with a valid contract that I signed.
Consumer complaint received 2017-08-02
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. (FL)

XXXX XXXX XXXX has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with this.
Consumer complaint received 2019-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (RI)

I purchased several items using my XXXX store credit card and the " special financing '' offer where there would be no finance charge on the amount if it were paid off in a certain period of time ( six months ). Those orders were placed in XX/XX/2018 and the special interest rates expired in XX/XX/XXXX. The problem is that a large percentage of the merchandise was returned or refunded due to defects or the wrong item being shipped and when those refunds were made, the special interest plan on them was not updated to reflect that fact. Thus, on the expiration of the special interest plan, I was charged interest on the full value of the purchases as if they had never been paid off within the six months, when in fact the portions of charges not refunded or items not returned had indeed been paid in full. 
This resulted in significant accused interest charges being applied to my account and the automatic payments that I had set up were suddenly too low because XXXX had charged me for interest accrued although they had received refunds and payments that paid off all of the balances of the special interest rates purchases.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

On X/XX/17 I charged my XXXX vacation to my XXXX XXXX card. This vacation reservation was made through guest services as I received 2 complimentary days and a discounted price for the remainder of the days. The only reason I had them put the charge on my XXXX XXXX was to receive the 0 % interest for 6 months. On the day I made the initial charge, XX/XX/XXXX I called and spoke to a manager at XXXX XXXX to confirm that this charge would receive the 0 % interest for 6 months. The manager I spoke to confirmed that 0 % interest for 6 months would apply based on the code he checked on the charge that came through that day. I made it very clear to him that I was confirming this to be sure it would in fact qualify or I would have called XXXX to have them reverse the charge and I would have put it on my XXXX credit card that has better benefits. I was ASSURED by the manager that I would be receiving 0 % for 6 months on the charge of {$7300.00}. I also requested he put our conversation in the account notes so there would be no question later, when the statement came. I could not believe that that when I received my statement they would not honor the 0 % for 6 months. I spoke to 2 different managers on X/XX/17 to no avail. They told me to try writing a secure message. I did this and the responses never addressed the manager confirming that I would receive this benefit. They only would say that the charge code from " XXXX XXXX XXXX '' does not apply for the offer. When I spoke to XXXX XXXX Card managers in XX/XX/XXXX they all confirmed that there was a note from the manager I spoke to in XX/XX/XXXX stating this vacation would qualify for the 0 % for 6 months, but they would only say that he made a mistake. I was forced to find a way to pay for the vacation in full or pay interest on {$7300.00}.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

There is a significant amount of information missing on my Experian credit history. This is leaving me unable to qualify for a home loan guaranteed through the Veteran 's Administration. A large part of a consumer 's credit score is revolving credit history, such as bank credit cards. I have a XXXX XXXX credit card. The XXXX XXXX card has been paid and reported TWICE now to Experian, in XXXX 2017 and XXXX 2017, and yet it still is n't appearing on my credit report. I have contacted XXXX XXXX and they have confirmed they reported the account information to Experian. They have my correct name, address, date of birth, and Social Security number. They have confirmed to me that they reported the correct name, address, date of birth, and Social Security number and account history to Experian. Yet, when lenders pull my report, the XXXX XXXX tradeline does not show on my history. As a result, my FICO credit score is lower than it otherwise would be, had Experian provided a complete and accurate report.
Consumer complaint received 2017-08-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kross, Lieberman & Stone, Inc. (VA)

Medical bill for injury. Two dates- XX/XX/XXXX and follow up XX/XX/XXXX. Insurance company paid which left a co-insurance payment of XXXX. Did not receive bill until XX/XX/XXXX. Promptly paid by check on XX/XX/XXXX. Check cashed by XXXX ( urgent medcal ) XXXX transferred the debt to a collection agency Kross, Liberman & Stone on XX/XX/XXXX who has been calling non-stop threatening to ruin credit, future job employment and court action. Collection agency is asking for {$150.00}. XXXX confirmed on XX/XX/XXXX that check was cashed to their XXXX XXXX account on XX/XX/XXXX.
Consumer complaint received 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was sold a XXXX in XX/XX/2019 with Credit Acceptance & was told at the time that my card I was using through my work was an acceptable card to pay my loan. I set up auto payments & went about my business. Well 2 months later Im getting phone calls that my car is now two months behind on payments. Which my monthly payments were just over {$600.00}. So now they're telling me I already owe over {$1200.00}. I argued with them that i was on automatic payments & that there is no way im already behind. they said that the card i had on file wasn't a real bank card & they can't pull payments from it. So now they're asking me to come up with {$1200.00} on the spot plus my next payment that's going to be due. No one called when my first months payment didn't go through nor when my second. They were calling me when it was about to be my third month. The card I had at the time wasnt set up to be able to see what was being withdrew so I had no idea. They end up repossessing my vehicle & putting a repossession on mine & my gf 's credit score. & that is now on their for the next 7 years. They keep trying to collect money from me & even took my state tax returns. This company is HUGE SCAM & will do whatever it takes to get money out of you. They will ruin your score & any chance of actually getting a decent vehicle or even buying a home. All because someone couldn't give me a heads up that my card I was using they actually didn't accept like they had originally said & now I have to deal with the consequences for who knows how long. I want my justice & for my name, my now fiancee 's name & both of our scores to be cleared of the repossession that never should have taken place
Consumer complaint received 2017-08-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Select Resource Group (WA)

I received a call on XXXX/XXXX/XXXX from SRG legal outsourcing representative, " XXXX '', who declined to provide his last name. XXXX informed me that they were in the process of taking legal action by filing motions in various counties, contacting my employers, family members, and any affiliated parties. I was left a voicemail stating that I would be arrested if I did not resolve the matter immediately. He states that I owed a debt in the amount of {$1000.00}, and that I was being sued by XXXX via SRG. He refused to provide a case number, only the last four digits of the credit card. He also refused to provide information about where the debt was acquired from, and could not prove that I had ownership over the debt. He provided only general year dates of the debt ( XX/XX/XXXX and XX/XX/XXXX ), but could not provide further information. Furthermore, at no point did XXXX state that the phone call was an attempt to collect a debt or that he was a debt collector. He was misleading in his representation of the company SRG. Additionally, once I informed him that I had filed for bankruptcy in XX/XX/XXXX, which had subsequently been discharged, he hung up the phone without further information.
Consumer complaint received 2017-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (FL)

RPM, Receivables Performance Management LLC, for XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017. Also, RPM is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site for {$120.00} and never made aware of such debt in writing. This is a violation of the FRCA.
Consumer complaint received 2019-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

Last year I called to cancel the credit card with XXXX XXXX and thought my request had been honored. I was told that it was cancelled and I paid my club membership fee. Recently, I called the customer service number which started my being bounced from collections to customer service. I sent a letter to all three credit bureaus to close the account. I did not activate the credit card. I sent a letter in the month of XX/XX/XXXX stating that the account should be closed. As the representative misrepresented the truth last year I was told to pay the club fee by phone and she would waive the annual fee for the credit card. I was told the only way to close the account was to give her my account number to pay the club membership and she would then close the account. For me it was too much confusion to give someone permission to withdraw funds from my checking account and no way to verify the completion and finalizing of the transaction. She verified that the only payment on the account was on XX/XX/2018, of {$45.00}. I did not choose to continue the credit card and have since on numerous occasions requested that the credit card account be closed. The credit card number is XXXX XXXX XXXX XXXX, the account number on the statement is XXXX XXXX XXXX XXXX and the store club number is XXXX. There should be no " running charges '' or " annual fees '' for a credit card I did not activate and requested to be closed. The only charge that should be incurred is the club membership.
Consumer complaint received 2019-12-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services reported a collection on my credit report effective XX/XX/2019 in the amount of {$730.00}. 

I do not know who this company is. I sent them a debt validation letter via mail and I have not received a response. 

Please assist in getting this account removed from my credit report as I have no known written knowledge of this creditor.
Consumer complaint received 2024-08-30
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: EQUIFAX, INC. (AZ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally dispute an account appearing on my personal credit report, as its presence constitutes a violation of consumer protection laws. 

This account is a business account and was not personally guaranteed by me. As such, it should not be reported on my personal credit file according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which stipulates that only accounts for which a consumer is personally liable should be reported on their credit report. Reporting this account as a personal obligation is not only inaccurate but also unlawful under the FCRA and other applicable consumer protection laws. 

XXXXXXXX XXXX XXXX XXXX