davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

I accepted services for a fumigation from XXXX on XX/XX/2016 with an ending invoice of {$2300.00}. 

After the fumigation, I was not satisfied with the ending results so I called and spoke to the manager, XXXX XXXX XXXX ( branch sales manager at the XXXX XXXX office XXXX ; email is : XXXXXXXXXXXX ) After our conversation he agreed to adjust my bill by {$460.00} due to damage to the interior and exterior of my home and unsatisfactory service ; reducing my payment to {$1800.00}. I have the original letter stating the adjustment in my possession. The letter is on the company 's letterhead and has the signature of the branch manager. 

I paid the {$1800.00} in full by XX/XX/2016. 

To date, I have been receiving collection calls for the remainder of the balance of {$460.00} which should have been waived according to the letter. There has not been any communication between the XXXX office and the collection agency. I have been put in the middle between both parties saying that each of them will speak to the other and resolve the issue, yet I continue to receive calls for the " delinquent '' bill and no one ever seems to know what I am talking about. 

At this point I would like to get this resolved and make sure that I do not have any negative reporting to my credit report due to this oversight. An employee from the XXXX call center named XXXX XXXX said I do not have to worry about the credit report aspect but is it going on 90 days " past due '' and generally all 90 past due accounts are reported and since the collection agency has no proof of the adjustment it may be a chance I have been reported. 

I have spoke to multiple people from the collection agency and XXXX and have not received any calls back from either institutons. I have kept detailed notes on times, dates and names regarding this matter.
Consumer complaint received 2023-01-30
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. (NC)

Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX credit but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank closed my longest history credit card without my awareness when I called in to ask about retention offers. 
1. On XX/XX/2018, I called Citibank credit card representative to inquiry about the possible retention offers on my Citibank ThankYou Preferred credit card. However, before the retention agent told me any retention offers, the call was disconnected. Then that agent directly closed my account without my awareness. 
I called back on the same day and realized my account was already closed. I asked whether Citi could reinstate my card. They opened a case, but on XX/XX/2018, Citibank told me they were unable to reopen my account after running a credit check. 

2. This credit card has the longest credit history. So the closure really affects my credit score negatively. Running a credit check to in the case to reopen my account also hurts my credit store. Citibank should have trained their retention agent to double check with the customer before actually closing the account, especially if the call was disconnected.
Consumer complaint received 2022-12-28
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: CITIBANK, N.A. (CA)

I returned 9 bottle of recall products " XXXX XXXX XXXX they only refund me 7 of them on XXXX XXXX, 2022 in XXXX XXXX, XXXX XXXX. I got total XXXX amount back for only 7 products but two products was missing. They told me when they scan the product it does NOT show the receipt it was returned but it shows it was processed return in their system but they can not refund because I purchased online. They told me that 2 of them will be refund by Bloomingdales.com because it was purchased online. I spoke next day or in 2 days with Manager name XXXX. She told me don't worry Bloomingdales.com will refund me by credit card or send me by check by how I originally paid for. I spoke to several people on Bloomingdales.com I spoke to Lead Supervisor from Macys/Bloomingdales customer service named XXXX her Id # XXXX, she is located in Texas. She said she was going to follow up with Manager XXXX and follow up with me and work on my case. Last time she left me a voice message on XXXX XXXX saying she will follow up with me on XXXX XXXX and never heard back from her again. It is really frustrating that no one is giving me proper refund back for two missing item. It was considered stolen by Bloomingdales.com for keeping in their possession without refunding me. I would like to communicate through email.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (NM)

I have written chexsystems regarding a reporting account in my name. Company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Reported : XX/XX/2015 Acccounts ending in XXXX and XXXX I was fraud-ed and reported it to the bank and they said i would not be charged. Now they are reporting Account Abuse no results I owe them {$430.00} and {$250.00}. I have deputed this threw chexsystems with no results or documents supporting this.
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

Hello, I paid my debt with XXXX XXXX  with XXXX XXXX and now Southwest credit style is flagging my account for unpaid debt that they bought in disregard to my satisfied account with that debt. 

I submitted a supporting document to the dispute they just said was still valid with southwest credit style. Please fix this error. 

I have bank records to prove my debt has being paid in full for a debt they are still trying to collect on. 

I paid it in full XX/XX/2020 with XXXX XXXX in the amount of {$350.00}, so please resolve this, as I am in the process of building/fixing my credit. 

Thank you
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/18, I contacted XXXX XXXX regarding my XXXX card because I realized that I missed my payment due date, which was XX/XX/18. The credit limit was decreased from {$830.00} to {$650.00} and the balance showed as maxed. I spoke with a Customer Care associate named XXXX, who advised me that the bank did a " random review '' of my account which resulted in the credit limit decrease ; thereby maxing my card out. I explained my objections to the associate, stating that I have never " missed '' a payment to XXXX on any of the cards that I have with them. She stated that a detailed letter was mailed to me on XX/XX/18. Comenity increased my credit limit without request to {$830.00}, then after 1 late payment, decreased it to a limit that would " max '' the card out. Ironically, I have recently begun paying all the cards off. I feel that I may be the victim of some unethical practice, which is negatively impacting my credit history. I refuse to allow any corporation to take advantage of me. I've been a good customer and now feel that the bank is taking advantage of me or punishing me for trying to limit my debt. Subsequently, I made the payment today. I will attach proofs of payment and credit limit information separately.
Consumer complaint received 2016-04-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (AL)

i opened a loan on a truck around XXXX 2007 it was a Colorado, XXXX truck i paid over 4 years around XXXX dollars a month i got sick and ask to refinance at this point they put it back at 6 years for XXXX dollars monthly i paid on it a year and half and i lost my father which in turn effected me greatly i started having alot of problems with the truck and it had around XXXX miles i called the credit company and told them i would turn it in and they said i had paid quite a bit of money and they understood.three months went by and some lady called and said she was investigating a stolen truck and she was with the police dept. when i told her where the truck was she hung up and i called back it was a cell.they evidently picked up the truck and auctioned it off for around XXXX dollars now all of a sudden i have this on my credit report with what i paid and auction its nearing XXXX dollars for a XXXX dollar truck please i am trying to rebuild my credit i am on XXXX please help me i did not XXXX them they made there money plus XXXX
Consumer complaint received 2020-06-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Moneytree Inc (NV)

since Covid I have asked the loan people of money tree to get rid of the interest on this loan and I would pay all of the money back that they gave me and they will not do i have been out of work as my husband has been also. I would pay the whole thing off even if i have to get it from my XXXX just want the help
Consumer complaint received 2018-08-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to XXXX  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
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: PERDUE BRANDON FIELDER COLLINS & MOTT LLP (FL)

I received a demand letter from Perdue Brandon Fielder Collins & Mott LLP dated XX/XX/XXXX. In XXXX I had an arrest with a restitution. Since that time I have been paying XXXX XXXX XXXX XXXX directly. 
The letter the " law firm '' threatened my arrest and or license suspension. Neither of which, according to the courthouse and my used to be probation officer, can happen. Not only claiming I owe them, they are also claiming I owe {$420.00} more than I owe.
Consumer complaint received 2022-03-08
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. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2019-04-20
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. (AZ)

I notified all 3 credit reporting agencies ( XXXX, TransUnion and XXXX ) that the Chapter XXXX Bankruptcy was an error starting with the court. My husband filed for a joint Chapter XXXX but I asked to be dismissed at the meeting of the creditors. The trustee agreed to remove me and allow my husband to go forward. Many trips later to court I found out I was never removed. I was able to finally get the judge to dismiss my case but it was 2 years later! I disputed my credit bureau reporting numerous times. I even submitted my court paperwork as well as 2 years of my on time mortgage payments. All during this time my mortgage disappeared off my report, then reappeared then was removed, my open credit cards were saying they were part of a bankruptcy and I was unable to refinance my house. Im being first punished by a court error then the credit reporting agencies for reporting information that is not correct. I cant get ahead with my credit because all my hard work ( mortgage ) is no longer reporting. Im asking for my Chapter XXXX dismissed case to be removed from all 3 credit bureaus.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Consumer complaint received 2019-04-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica (FL)

I called the phone number listed on my XXXX XXXX XXXX : XXXX minimum six times between late XX/XX/XXXX and XX/XX/XXXX. I tried several ways to get a live rep. One was hit # 3 On my phone-Lost or Stolen. Another was hit 0. Got no one. Recorded message : " We are having a higher volume than usual. Please try to call back later. '' the other : Sorry, We are having technical problems. 

XXXX XX/XX/XXXX, my XXXX debit card was stolen on a bus at the Downtown XXXX bus station. The thief used that card for five transactions in three places.He/ she spent {$68.00} on my card. Also stolen was my XXXX XXXX XXXX on which direct Social Security payments are loaded automatically each month. That day, I called the direct number to report a card stolen and got no one live to talk to, nor a message giving instructions what to do to cancel the card. After 69 minutes, I got hung up on. 

This is serious. Not only has the thief probably been using the XXXX XXXX MasterCard, my roommate may also be using it. He does not have the card. He has all the info needed to make purchases online or by phone. In XX/XX/XXXX, I gave him that info to pay a past due phone bill. The only time I got someone live was putting in XXXX. A lady said, " Comerica Bank. '' A rep said Comerica Bank did not handle transactions on XXXX XXXX cards.
Consumer complaint received 2023-01-30
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: EQUIFAX, INC. (RI)

I've noticed issues on my credit report from Equifax as they are reporting inaccurate and incomplete information on my credit report. It is not 100 % accurate, and impedes on my privacy as a consumer and effects my credit worthiness tremendously. I've sent a formal letter to Equifax and they have not completed the investigation of this matter within thirty days. I want the accounts in question removed asap.
Consumer complaint received 2020-07-31
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. (NY)

I have fraudulent application made on my account, I would like for them to be removed, I did not authorize or made these inquiries, I contacted trans union many times they said they need a police report, which I have provided and also found out that by law we do not need a police report, its just a way for them to give us a run around, please at this point remove these inquires or I will take legal action within 30 days, trans union file # XXXX I would like these items to be removed : XXXX XXXX  XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX XXXX   XXXX XXXX, CA XXXX Inquiry from XX/XX/2019 XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 thank you
Consumer complaint received 2021-04-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Scratch Services, Inc. (NY)

I took out a Paycheck Protection Program loan for {$12000.00} through XXXX on XX/XX/XXXX. That loan was subsequently sent to Scratch to be managed. 

The majority of the loan was forgiven and paid off by the SBA on XX/XX/XXXX. I paid the remaining balance of {$1000.00} on XX/XX/XXXX. ( This is to cover the EIDL advance that was not initially forgiven. ) Congress changed the laws after I paid the remainder of the loan to say that the SBA would allow for forgiveness of the full loan, including the EIDL advance. Scratch has since received an additional {$1000.00} from the SBA on XX/XX/XXXX. Therefore, this loan is now overpaid by {$1000.00} and I am owed a refund. 

Scratch emailed me on XX/XX/XXXX to say that they have received my EIDL advance amount and that it would arrange a refund for me within 1-2 weeks. They never contacted me about this refund. 

I called Scratch on XX/XX/XXXX to inquire on the status of my refund, which was now overdue. A representative named XXXX said someone from Scratch would be in touch with me by the end of that week to process the refund. By Friday ( XX/XX/XXXX ), no one had gotten in touch with me. 

I reached out to Scratch using the online chat tool today ( XX/XX/XXXX ) to arrange for this refund and they said they could not expedite this or provide any information about when it will be processed, even though it is now 2 weeks overdue. 

I would like this refund to be processed and sent to me immediately.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AR)

COMENITY CAPITAL FAILED TO FURISH 1099-C DENT CANCELLATION FOR MY TAX FILINGS ALONG WITH XXXX XXXX, XXXX  ETC..
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX is reporting inaccurate information on my credit profile. They are remaining late payments as 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 

A late payment can not be reported as 120 days late in XXXX XXXX XXXX and then reported as 90 days late in XX/XX/2024. That is inaccurate reporting and a violation of my consumer rights. 

Per consumer law- 15 U.S. Code 1681- Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.
Consumer complaint received 2024-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing.
Consumer complaint received 2015-07-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

I opened a checking account at Chase Bank in XXXX 2015. Since this time, I have filed claims disputing a total of XXXX claims, all of which tbe bank researched it and found my dispute to be valid and reversed the charges. A few weeks back, I called the bank to file a dispute for a {$39.00} cenf charge that was not authorized and they informed me they would need to cancel my debit card and issue a new XXXX, I agreed. However, they never processed the dispute for the charge. 
On Friday of last week, I had XXXX transactions that were processed without my consent, I called in the claim and asked them to include the {$39.00} charge they had neglected to process - a total of XXXX charges - I received a new debit card. 
That day I go to use my card and it was declined! I called the bank and they tell me they will be closing my account due to fraudulent activity and terminating my relationship and they have rejected my last claim with the XXXX unauthorized charges and that decision was final! 
So, they are closing my account after agreeing my disputes were valid and they rejected my claim for the final transctions because they are closing my account and the overdraft charges they charged me for the disputed transactions. They say I have no recourse since I will no longer be banking there!