davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc. (GA)

I have ultra ultimate rewards credit card issued by XXXX XXXX and during a purchase I was informed that my credit limit has been reached. I was confused because I had well over {$600.00} in available credit. When I called XXXX XXXXk customer service they informed me that they had decreased my credit limit but they had not in fact me of that until I called. They also said the reason for them decreasing my credit limit was because of information they receive from my the credit bureau. I asked them whyBut they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}. But they said that they did not have any information as to what exactly was received to make them reduce my credit limit. I have never had a late payment with them and I typically paid my balance off in full every month with this company however they still chose to decrease my credit limit without notice and without reason. I continue to inquire about their decision however I have yet to receive any additional information as to why they made such a change to my credit limit by decreasing it over {$600.00}.
Consumer complaint received 2020-01-08
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 — Their investigation did not fix an error on your report
Company: Receivable Management Group, Inc. (GA) (GA)

Hello, On my XXXX  Credit Report, After filing a dispute, the results showed items ( Source Recievables Mng ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on XXXX  reported dated XX/XX/19, Items RECEIVABLES XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX  XXXX has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you
Consumer complaint received 2020-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CO)

XXXX I spent {$2700.00} last month and I paid you {$2700.00} last month. Please reverse the invalid {$29.00} in interest charges per CFPB rules. 

If this is the Chase official answer than Chase is breaking the rules of fair dealing and clear consumer explanations. 

Facts : THIS CHASE POLICY IS NOT CLEARLY EXPLAINED TO THE CONSUMER 1 ) I have not had a promotional interest rate before from Chase, ( you can check ) so how would I know about this not explained rule. 
2 ) I HAD AMPLE CREDIT AVAILABLE TO ME ON OTHER CHASE CREDIT CARDS, SO WHY WOULD I THEN USE THIS CARD IF I KNEW IT WAS GOING TO COST ME {$29.00} ANSWER I DID NOT BECAUSE THIS FEE WAS NOT CLEARLY EXPLAINED BY CHASE BEFORE IT WAS CHARGED.

3 ) ALL OF THE EVIDENCE SHOWS THAT CHASE HIDES THIS FEE FROM THE CONSUMER AND DOES NOT CLEARLY EXPLAIN IT - THAT IS FRAUD AND IT IS FEDERALLY ILLEGAL UNDER FEd BUREAU LAWS. 

BECAUSE THIS CHARGE IS ILLEGAL UNDER CFPB LAWS WE WILL ALSO FILE A SMALL CLAIMS LAWSUIT IN XXXX FOR THE DAMAGES WHICH WILL FAR EXCEED THE {$29.00}
Consumer complaint received 2020-01-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Additionally, I have contacted the bankruptcy court that the respective credit bureau is advising verified this information as belonging to me and my file. However, upon response, the bankruptcy court advised that this ABSOLUTELY FALSE, and they do not provide, share, or report bankruptcy case filing data to credit reporting agencies, nor do we update information directly to the credit bureaus. THIS BUREAU HAS OUTRIGHT LIED ACCORDING TO THE DOCUMENTATION PROVIDED TO ME.
Consumer complaint received 2020-01-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

We took out a mortgage in XX/XX/XXXX and although we had excellent credit at the time, interest rate was 5.2 percent. The following year they called and offered to lower our interest and payment. Suddenly they canceled the refi and everything went to XXXX. We filed Chapter XXXX and signed a reaffirmation. The BK was discharged and they sent us a letter for a loss mitigation program. We applied and they approved us immediately. It lowered the interest rate to 3..8 percent and the payment went from {$1900.00} to {$1400.00} per month but the term changed from 30 years to 40 years. Since it is an FHA loan we had to include an escrow payment which they said would be {$240.00} per month. We paid the 3 trial payments and now suddenly the escrow has ballooned to {$600.00} per month and our mortgage payment is higher than before. 

Now yes, I understand not getting approval for a loan. However, what I cant abide is someone calling me making pie in the sky promises on which they can not deliver. Its just a XXXX thing to do to people. To tell a retired person they are going to save {$1200.00} a month and get rid of the PMI only to retract the statement a day later is an emotional roller coaster I would rather not ride. 

Im really offended at being manipulated and exploited as a financial product. 

Raising our escrow payment - in fact demanding wildly fluctuating amounts WITH NO SUBSTANTIATION citing a new escrow analysis that they have yet to provide, all the while sending letters threatening foreclosure. This is unacceptable to us and a terrible business practice. 

Quicken reported us on XX/XX/XXXX to the credit bureau for being late? 
The program Quicken pitched to us is called APPLICATION FOR SUCCESS! How is the in any way making us successful? 

First of all, on XXXX XXXX we were still under protection of the automatic stay of BK. Secondly, what damage was caused to Quicken when they had already set up autopay for the trial modification and added TEN YEARS of interest to our loan. In XXXX we paid XXXX in interest on our loan. Does this count anything? 

In XXXX we handed over {$40000.00} cash to Quicken as a down payment plus and additional XXXX in closing costs. Does this seem to be the behavior of someone not taking this seriously? 

Recent notice of autopay for XX/XX/XXXX. At NO time did we authorize this. Please check your recorded lines, there is no record of it. 

They treated us like low rent XXXX. All of this could have been prevented if they would have just given us the refi in the first place.
Consumer complaint received 2020-01-07
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: AMERICAN EXPRESS COMPANY (UT)

This is my 3rd CFPB complaint after no resolution in speaking with American Express. 

I signed up for a Delta Skymiles card. XXXX miles with XXXX spend in the first 3 months. 

They say I'm not eligible but won't tell me why. I've never had this product before, never been rewarded, etc. but they continue to say that I'm not eligible without looking into the REASON!! 

I paid the annual fee. I met the spend requirements. I AM ELIGIBLE FOR THE WELCOME BONUS for the Delta SkyMiles product. 

Please respond with the answer as to why I'm not eligible. I'll continue to submit complaints until a human being responds with an answer that makes sense. 

Sincerely - XXXX XXXX
Consumer complaint received 2020-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To Whom It May Concern, I have been in contact with Portfolio Recovery Associates, LLC. 
by certified mail since XX/XX/2019. I have repeatedly disputed the collection the company is reporting on my credit file, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local laws. I have asked they provide validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

The first letter was sent certified on XX/XX/2019 The second letter was sent certified on XX/XX/2019 and XXXX The third letter was sent certified on XX/XX/2019 Portfolio Recovery Associates have yet to provide me with validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

I have maintained a careful record of my communication. I would now like to file a complaint with your agency.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

My Experian credit report says that I have 7 missed payments, but I should only have 1 missed payment. All my accounts were included in Chapter XXXX Bankruptcy, except for the 2017 XXXX XXXX loan. The XXXX XXXX loan is the only account not included in bankruptcy that I missed a payment on. All the other accounts were included in the bankruptcy, and should not be affecting my credit score.
Consumer complaint received 2020-01-07
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: CAVALRY INVESTMENTS, LLC (MI)

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. 
By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. 
I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (FL)

Swiss Colony is showing that I owe {$260.00} I have never purchased any thing from Swiss Colony. I have asked them to send me the items purchased and prof it was me who ordered and received the items they say I owe for they said they could give me that information
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2019 I received an alert from XXXX   about my credit. I have had a freeze on all my credit. I logged in to find a new PayPal account ( I only have 2 credit cards and I pay them in full every month ). I immediately opened a dispute with XXXX  and I called the bank associated with the new account ( Synchrony Bank ). They claimed they had just purchased a bunch of PayPal accounts from another bank and there were some mistakes. They asked me for my billing address, it did not match the billing address for the account. They also asked me for my email address and it did not match what was on the account they then transferred me to the fraud dept. They opened a fraud case but said it would take 60 days. yesterday I received a letter saying they denied the fraud case for the following reasons : Account opened for more than 1 year with verifiable payment history ( Not true I have never sent payment as I never knew this account was even open ) Customer benefited from use of card ( not true I never received a card ) Synchrony Bank then opened a new line of credit for the identity thief using my social security number. Which they claim is within their rights.
Consumer complaint received 2020-01-07
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: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Consumer complaint received 2020-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates (GA)

I received a call on XX/XX/XXXX at XXXX XXXX from Patient Accounts Bureau regarding a bill from XXXX XXXX XXXX XXXX for the amount of {$150.00} The representative I spoke with hung up the phone in my face after I asked how could I help her. I called back and spoke with an XXXX, who was also very rude as I informed her that I did not owe the debt. Her response was why did I call back. ( This was on a recorded call ). I then called my insurance company ( XXXX ) and informed them of the phone call I had received from Patient Accounts Bureau. The representative from the insurance company asked for the number of the collection agency to which I received a call and called them at the number provided ( XXXX ). The representative from XXXX called while I was on the phone and advised the representative to cease all calls and communication as the bill was a provider write-off. The call was ended and and several days later I received letter in the mail stated that I owed the debt for the bill. I called Patient Accounts Bureau on XX/XX/XXXX and spoke with representative XXXX who informed me that {$150.00} was still owed. I asked her to read the notes, to which she stated that she was not aware of any notes on the account. I then ask to speak with a supervisor, to which I then spoke with Mr. XXXX. The call was disconnected I then called back and spoke with XXXX who advised that MrXXXX XXXX would return my call and needed a good contact number. I asked Ms. XXXX to send me a letter stating that I did not owe the debt, to which she stated " a letter ''.
Consumer complaint received 2020-01-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently paid off approximately 80 % of my credit card utilization ( about XXXX  ) XXXX  and Transunion dropped my score 26 points. 
Upon investigation on each ones website on the FAQ 's it states factors that affect your credit score The main one is Used : Credit vs Available credit. 30 % In reality they do not take into account the Available credit and now only use the 5 cards I have open as the metrics for my score.

This is an unfair practice, even the agencies couldn't explain why I dropped 26 points
Consumer complaint received 2020-01-07
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)

It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.
Consumer complaint received 2020-01-07
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. (GA)

It's not my accounts, They shouldn't even be appearing on my file, from what I know ( and I keep good track of my bills! ). I don't know where you got the following accounts. These oversights on your part are causing me a lot of trouble financially.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I attended XXXX XXXX XXXX  and received funding XX/XX/2009 for {$6300.00} & {$4600.00} through XXXX, XX/XX/2009 for {$3700.00} & {$2400.00} through Department of Education/XXXX and XX/XX/2009 for {$690.00} & {$1300.00} Department of Education/XXXX   these classes I can not receive credit for because the school was closed. I paid for school that lost accreditation and had other legal issues that halted my education. I cant get or transfer any of the credits earned. I have requested consolidation of these loans so that the correct amounts are included and the forgiveness is applied for the years mentioned and the amounts included above.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

An account appearing on my bureau which is XXXX XXXX   and it actually XXXX XXXX XXXX which purchased my auto loan when XXXX XXXX closed their doors the loan has never been late and has been paid in full.. I am attaching the letter I got from XXXX XXXX XXXX. along with the paid in full..
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

1.First dispute was in XXXX if 2019 to report that my balance on transactions continually changes and provided documentation. 
2. Received by mail a letter that had nothing to do with my situation. 
3. Reported again in XXXX that my bank continues to alter my balance with my transactions and provided documentation. 
4. Again received a letter that had nothing to do with my situation. 
5. Began a thorough personal audit of my online account on XX/XX/2019 only to find that balances did not reflect the transaction. Printed a year 's worth of documentation. 
6. On XX/XX/2019 I walked into the local branch with my documents. They called Capital One Online who verified that there was a glitch with isolated accounts and they had been working on it. They said they would begin a full audit which would take up to 10 business days. That DRT would reach out to me with balances with statements. Case # XXXX. My question at that time was if they were aware of a glitch, why was this not addressed the 2 previous times I reported this fraudulent activity? 
7. On XX/XX/2019 I checked the same dates with discrepancies in the balances change on transactions with the dates of XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. What I found was that the balances had changed on every transaction for the same transactions I had copied on XX/XX/2019. And in some of these transactions the balances went from positives to negatives, and vice versa. 
8. On XXXX XXXX I choose the most recent date of XX/XX/2019 transactions to see if the balances changed. They did each and every day. Not once were they the same. 
9. XX/XX/2019 I received and email from a do not reply address from Capital One which and I quote said, " Thank you for reaching out to let us know about the digital issue you were experiencing. We resolved it, and you now be able to successfully sign in and use your account features or sign up if you haven't already. '' Again this response was generic and has nothing to do with my situation. 
10. Finally, I went to check out my account to see what " changes '' had occurred. Their idea of fixing the situation is that I can no longer look back online at transactions past XX/XX/2019.
Consumer complaint received 2019-12-17
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)

Since XXXX 2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX ) disputing the unknown accounts and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question are two accounts with XXXX XXXX Account for XXXX XXXX  the amounts are {$1300.00} and the other one for {$2400.00} for an authorized/unknown account.