davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (TN)

On XX/XX/2020 I realized I had not received nor paid a credit card invoice for the previous month. I contacted XXXX XXXX XXXX   which has the XXXX Mastercard I've had for 30 years. Explained that I had not received any invoice by mail as normal but that I had managed to go online and download the invoice and was sending payment that day. This has happened maybe 2 or 3 other times over the THIRTY YEARS I've had this account. They thanked me for calling in. The next day I went to get gas and my card was declined. So I came home and called XXXX XXXX XXXX again. This would be on XX/XX/2020. I was told that the card was automatically cut off because I had not paid the previous month 's bill. Needless to say that as a 30 year customer with a credit score of right at XXXX who has faithfully paid my balance in full month after month for 30 years, I was a bit unhappy. I instructed them to close the account immediately. The lady wanted to read me a long disclaimer. I declined and told her that I wasn't interested in their disclaimer. I simply wanted my account closed and hung up. 

Today I went online and noticed that XXXX XXXX XXXX was still allowing merchants with my card on file to run recurring charges through on my account. One or two had not been contacted by me. All the others had been and provided the new card information. 

So I called XXXX back and again instructed them to close the account today, XX/XX/2020. I first spoke to XXXX who provided me a reference number for my call of XXXX. When I asked why my account hadn't been closed before she put me on hold and a supervisor named XXXX came on the line. She said they would not close my account until I listened to their disclaimers. She said I was required to do so by law. I told her I seriously doubted the law required ME to listen to their disclaimers. If the law did require anything, it required them to deliver the disclaimers. XXXX then asked me if I had my credit card agreement. I don't normally keep them as they change them at will and it isn't like it is a negotiation, is it? It is totally one-sided to protect them. She said she would have one mailed to me. I asked it that contained the required disclaimer I was requesting in writing. She danced around the issue and would never answer whether it had the disclaimer or not. She said once I got the card agreement I could read it and call back in to have my account closed. I told her I would not do that. I had called twice to request the account be closed.
Consumer complaint received 2020-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OR)

Got a letter in 2017 from the mortgage company saying they deferred all past payments and start fresh. Husband got sick and didnt keep up payments. Now they are saying that the the deferred payments thing didnt go through.and to restate the loan we would have to pay XXXX! The company is nation star. And they only gave us two months to figure this out! We have lived here 20 years my husband has XXXX. Please help us
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Capio Partners, LLC (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-01-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc. (PA)

In late XX/XX/XXXX, I made an additional purchase of XXXX time share ownership. To facilitate this transaction my consumer credit was adequate enough to secure a Vacation Club Credit Account with Comenity Capital Bank. This was a promotional 6 month plan whereby all borrowed funds had to be repaid in full by a certain termination date to avoid paying accrued interest. That date was promoted by the bank as XX/XX/XXXX. 

The loan in total was a little over {$15000.00}. By mid XX/XX/XXXX I had repaid all but {$5000.00}, in five monthly payments. With the holidays, my secretary, who attends to all my financial matters, asked off for XXXX XXXX. When she returned to work Friday, XX/XX/XXXX, she wrote out a check to Comenity- Vacation Club Credit for the remaining balance in full, and mailed it that evening from a local post office. That post office assured me that the envelope would have been postmarked XX/XX/XXXX, or XX/XX/XXXX at the latest. Apparently, the envelope arrived at Comenity Capital Bank 's processing center after XX/XX/XXXX, and not processed until XX/XX/XXXX. We also have a national holiday, XXXX XXXX XXXX XXXX, in the mix. So because the check was processed XX/XX/XXXX the bank says I now owe all accrued interest of {$1200.00} plus a {$27.00} late fee equaling a total of {$1200.00}. 

I've read the bank 's vacation club credit account agreement forward and backwards, upside down and inside out. Nowhere can I find what definition constitutes a payment due date, just some arbitrary wording that, in the credit card industry, it is apparently understood that the processing of funds by the bank itself equates to the payment date. 
If I file a Federal tax return, with a check in the amount I owe the federal government, the date of the return is determined by the postmark on the envelope, not by the Internal Revenue Service processing date. If I mail the return days or weeks after XX/XX/XXXX, and don't ask for an extension, I can expect to pay penalties plus interest. 

However, if a check is written prior to the termination date and the envelope is postmarked prior to the termination date, I don't expect to pay accrued interest plus a late penalty to a bank. XXXX, the Comenity Capital Bank company representative did not agree, and therefore did not rescind the charges. If my local bank treated me that way I would withdraw all funds and find another local bank. But large anonymous institutions can get away with it, because they know the individual borrower has no leverage. I'm hoping you the Consumer Financial Protection Bureau, a branch of the U. S. federal  government, can level the playing field.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for and did not benefit from. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans that I did not authorize and did not benefit from. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing.
Consumer complaint received 2019-08-20
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. (SC)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (GA)

I received an alert that I had a collection on my credit. I never received any type of letter saying I had a debt, it just popped up on my credit reports. When I looked at the debt and the original creditor there is no way it could be mine. It says the debt is from XXXX  and I never had an XXXX account and in 2017 when they stated the account was opened I was only XXXX and I live with my parents.
Consumer complaint received 2020-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

A debt from a Bank of America credit card was settled in XXXX by myself through a debt collection agency, XXXX XXXX XXXX ( ARS ) XXXX PA  XXXX Over the course of many months throughout XXXX and XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) contacted family members of mine about this debt, but did not contact me. I received a call from them on XX/XX/XXXX that I was being served a summons for this debt. I returned their call and spoke to XXXX XXXX I informed him that the debt was settled and gave him the information for XXXX including contact information and account numbers. I emailed him the settlement letter. He let me know he would contact me back and I did not hear back. 

On XX/XX/XXXX I received another automated call from XXXX letting me know they were serving me with a summons to appear in court. I called back immediately but the office was closed. It was Friday, so I had to wait until Monday. 

On XX/XX/XXXX I called XXXX and spoke to Ms. XXXX. She let me know that they didn't receive the email. Then she checked again, said that they did have it, but because the file was in jpeg form and not pdf they couldn't open it. I resent the file in pdf format. She said she would look it over and call me back in fifteen to twenty minutes. 

In the meantime I called XXXX and spoke to a representative that confirmed the debt was settled and she said she would call XXXX directly. She called me back and said that both XXXX and Ms. XXXX hung up on her when she informed them of who she was. 

It has been an hour and I have not received a call back from XXXX nor can I get a hold of them. Their voicemail box will not accept voicemails. I have received no email response from them. I am afraid they are serving a summons to my former employer and harassing my family. I am having XXXX XXXX  as this is incredibly stressful and embarrassing and hurting my career and reputation.
Consumer complaint received 2020-01-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (NM)

I received a letter stating this company was trying to collect a debt for another company. With this other company there were three checks written. the bank - XXXX XXXX XXXX XXXX and the check cash agency - XXXX charged numerous fees. I did not know I was only paying fees. This does not make sense to me. The money was in the bank when I wrote the checks and when the checks presented to my account. I will not be responsible for employee error, computer error and employee mishandling and misrepresenting the facts of my account. I have sense closed this account and filed complaints against the bank. this debt if any belongs to the bank.. the bank has paid everyone else including itself. Why the originating reason for any action ( paying the presenter of the check ) was neglected is the banking error. XXXX also collected for itself. I had a conversation with a XXXX agent who evidently facetiously did not do what she said she would do. All if any debt to XXXX XXXX XXXX  associate with the collectors claim belongs to the bank and XXXX. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My credit limit is XXXX and capital One has not increases my credit limit and has declined XXXX payment transaction due to my credit limit. 

After capital One decline payment transaction I did authorize XXXX to further charge my credit card due to the credit card limit and the notice from the bank that the transaction was declined on multiple occasions. 

The transaction is a fraudulent transaction and I didn't authorize this transaction after the payment was declined by Capital One Bank. 

Attached are the notices from Capital One that the transaction was declined due to the credit limit being XXXX. 

Capital One has not increases my credit limit and have allowed a fraudulent transaction on my account without my permission or authorize after multiple notice regarding the credit card limit of XXXX This transaction is a violation of the Patriot Act. 

Please see attachment. 

I have records all conversation with capital One regarding this matter under investigation.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-01-31
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: Experian Information Solutions Inc. (NY)

Hello, i went to XXXX XXXX XXXX on XXXX to purchase a XXXX and they ended up running my credit 14 to 16 times with 5 different companies within a 15-day span without my permission. I gave them permission to run the credit one time with XXXX XXXX  XXXX  but they did not tell me that they will run it multiple times with multiple unrelated banks. I found out 2 weeks later that the credit was run multiple times with miscellaneous other banks. My credit score dropped 58 points because of this credit abuse. 

I reached out to the salesperson and she did not respond to any phone calls or emails. The supervisor XXXX called me and she said they can not remove the unauthorized inquiries. 

The manager of XXXX XXXX XXXX XXXX dealership reached out to me and I told him to remove all the unrelated and unauthorized inquiries. He ignored me multiple times. 

XXXX XXXX XXXX
Consumer complaint received 2020-01-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MN)

Experian back in the end of XXXX I had sent in certified mail to your company and also via the CFPB website asking you what was the method of verification on a couple of trade lines on my credit report but Ive never received anything back from your office I was wondering if you could send me copies of the requested information then I had asked for on the following accounts its XXXX  XXXX XXXX XXXX account also XXXX XXXX   XXXX XXXX  XXXX another XXXX account XXXX XXXX also XXXX XXXX XXXX XXXX card XXXX also XXXX  card for XXXX and XXXX XXXX  XXXX I had asked you arm I needed to know the names and the titles of the people that you spoke with at the companies along with a what information that you sent to them and they sent to you and I did request specifically I wanted physical documents not just you know riffraff of what did this or we did that because it draws concerns to me that some of the information on the credit report that shouldve changed did not and it makes it looks like you guys did not conduct an investigation and which Im almost certainly in my mind knowingly that you didnt its the reason why I am requesting this information Per the FCRA you have 15 days to conduct this and like I said I have not received anything from your office and I would certainly be appreciative and if you already done it you know prior to the request you should have a copy of it so if you dont mind just either email and let me to US mail or you could upload it to the CFPB website would be appreciative as well I will be waiting your response thank you Kindly
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (VA)

This complaint supplement a complaint that I filed on XX/XX/2019. XXXX. The bank has only partially corrected the problem. Although they have corrected the billing issue and I am now receiving a bill on time and making payments on time again. They did not bring the account fully current, leaving a it a month in the rear. Despite receiving payments on time every month, they still continue to report the account as delinquent to the credit bureaus. I would like to stress that I never entered into a contractual agreement with this bank. Commenity Bank  purchased this account from another lender with whom I was in good standing and never notified me in writing of a change in terms or that they had purchased the account. I have had several problems with them since this purchase that have resulted in late fees, late interest, and violations of my privacy rights.
Consumer complaint received 2020-01-20
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: Experian Information Solutions Inc. (TX)

CRA is reporting prohibited information. XXXX XXXX XXXX has furnished information which violates Texas Business and Commerce Code Section 20 et seq states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 5 ) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim ; or The information furnished is exactly the type of information that the statute ( s ) prohibits : a ) the consumer was covered by a health benefit plan, XXXX XXXX, at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider, Texas XXXX XXXX, or a facility-based provider for an out-of-network benefit claim. 

On XX/XX/2019 I was admitted through emergency ICU for a life threatening condition. Texas XXXX XXXX ' ER doctor ( XXXX XXXX ) was an out-of-network provider. XXXX made a normal and customary payment to the provider and provided me with an EOB that indicated that my out of pocket would be {$56.00}. The collection company never notified me of the collections, and I subsequently discovered the collection upon reviewing my credit report and declined score. 

I disputed the information with Experian, who did not remove it. I have subsequently been rejected for home improvement loan by several lender specifically because of this collection appearing on my credit report.
Consumer complaint received 2020-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

I have disputed my issue with the XXXX original debtor that claims I owe this debt of {$1100.00} for a cell phone. XXXX sold the account XXXX XXXX thanks to CFPB the accounts were removed from all three bureaus. Now the account has returned under Source Receivables Mgmt a complete new name. They can not produce any recordings or my picture ID or signature they just keep re-selling the account from collection agency to collection agency. For the same debt there is a thousand XXXX XXXX 's I have sent my ID and SS # form day one. Again here we are in 2020 same account no proof of burden and brand new collection agency. If they have so much proof that the account belong to me. Why? was the account removed from all three bureaus and re-sold again someone please help me with this?
Consumer complaint received 2020-01-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION (FL)

I co-signed on an auto loan and provided my personal cell phone number with specific instructions that it was never, for any reason, to be called. In the past year, this company has contacted me sixteen times, sometimes multiple times a day. The owner of the vehicle and primary name on the loan has contacted this company ( Regional Acceptance ) and advised them to remove my number from the record as they are unable or unwilling to follow my instructions.