davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (PA)

I was approved for XXXX XXXX ( XXXX Credit Card ) on XX/XX/2017 my limit was {$4500.00} and this was due to moving into my New three story Town House in 2017. I knew my Credit Utilization would increase quickly due purchasing I needed to make with my new home. But I gave myself 1year and 1/2 to pay everything off!

My limit was dropped drastically to {$100.00}!!! which is going to drop my Credit Score drastically!!! because of my outstanding balance. Which will seem like I am over my balance!! I did not receive a letter or notice or phone call! I just happen to review my account today and my credit limit was dropped to {$100.00} with no explanation!!!! 

Which makes no since!!! When I was approved spoke to Customer Care rep. about purchases and they said that was fine just make sure to make payments when due and if there was any issues they would notify me!!! So I made the purchases that day! but did not receive payment due until months later based on what rep told me this was the norm- I knew my utilization was going to increase because of the purchases which in turn would decrease my Credit Score!! I asked another rep did they need to make a notation in the system they said no, and the only other thing that happen besides that was payment was a few days over on one payment due date to hospitalization ) and they told me I was fine and in good standing!!! so why was my line of Credit decreased!!!! Without any notification at all!!!! Its like we as Consumers have not say or Rights anymore!!!!
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

I was sent to a collection agency on XX/XX/XXXX for unpaid school taxes for XXXX. This occurred after receiving the tax bill on XX/XX/XXXX and forwarding it to Roundpoint mortgage ( my mortgage holder ), and a reminder on XX/XX/XXXX which also was forwarded to Roundpoint. The bill remained unpaid throughout. 

I contacted Roundpoint by phone after receiving the collection letter. This was the first of many calls that also included the school district for verification of the debt. The bill was finally paid by Roundpoint on XX/XX/XXXX. Unfortunately, as you will see from the supporting documentation, the amount paid inluded a {$420.00} penalty charge and a {$40.00} collection fee. I do not feel it is my responsibility to shoulder the fees as they were aware that taxes were to paid from my escrow account and they were aware of the bill for 14 months before it was paid. 
I would like the {$460.00} refunded to me and have asked as much from Roundpoint. Their stance is " there has been no error by Roundpoint in the servicing of your mortgage loan '' as evidenced in writing in an attached document.

Roundpoint 's service has been so sub-standard, and time-consuming for me, that we are in the process of refinancing with a different lender ( at a higher interest rate XXXX simply due to the fact that we do not want to do business with them.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We have had a very difficult time with Select Portfolio Servicing ( SPS ). We had to file a bankruptcy to avoid a foreclosure. We are finishing up with the bankruptcy and SPS has given us a modification. The modification payment went up {$2400.00}!! We understood that the payment may be higher but the not that much. We asked SPS why the payment went up so much, and they said they didnt know. SPS also would not tell us how much went to the principal and how much went to interest. SPS would not tell us the interest rate and we have to take this modification. Very important to know. We are NOT PAST DUE on our mortgage. Our bankruptcy caught us up. We have confirmed this with SPS. How is this legal? This seems like predatory lending practices!!
Consumer complaint received 2018-06-01
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: EQUIFAX, INC. (LA)

hi, i am very frustrated i have been trying to work with these bureaus to abide by the law but the refused to, The are reporting unverified & inaccurate accounts on consumers profile and leaving it there after consumers asked them for an investigation, the refuse to send me a the documents used to verify two accounts that i am not aware of.i sent my letters via certified mail its been almost 3 months i HAVE been ignored .I dispute two accounts that are reporting on my credit profile with the same company. THE LAW STATES THAT THE BUREAUS MUST REPORT TRUE BUT THEY ARE ALLOWING COMPANIES TO RUIN MY CREDITWORTHNIESS AND REFUSE TO INVESTIGATE TO DO THE RIGHT THING.

1 ) XXXX XXXX XXXX XXXX-I explained this was for a apartment complex i stayed in, i payed {$2000.00} to get out of my contract early because my mom had a XXXX so i moved in to help her, the manager told me it was fine long as i paid the {$2000.00} i could terminate the contract early after paying the fee i was allowed to move, months later without any word are notice from this company i looked at my report and found a collections .I wrote them via certify mail asking them how do i owe this debt they never replied, than i sent the bureaus a letter about this account because i dont owe this debt asking them to verify and they havent responded either.

I called the apartment complex and i spoke with An employee who explained to me the manager was no longer there because she had stolen several clients money & ran off, therefore my $ was stolen apparently by the manager the company didnt do a back round check on and hired .How am i responsible for this .this isnt fair the lady explained that the apartment complex is trying to build a case on her and that i wasnt the only one she had did this too .she instructed me to reach out to the bureaus because i dont owe this debt this isnt right for me to pay for the mistake of the apartment failure to higher decent people and do background checks because the lady told me that after researching her they found she had did this before at another apartment complex 2 ) XXXX XXXX XXXX XXXX- i have no clue what this 2nd account is with the same company theyre reporting the original creditor and the collection agency nor the bureaus responded
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (CA)

I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX/TD with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2018-05-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

In XXXX XXXX, I had used my card at an ATM twice at XXXX. I had received fraud alerts for a transaction in which I had been denied trying to use my Chase XXXX, and two fraud alerts on my Chase XXXX Credit Card. I had then received a phone call from Chase Fraud Prevention about unknown transactions. I had cancelled my card ( s ) and reported them stolen. The transaction amount on my debit was for XXXX and was for XXXX XXXX XXXX XXXX XXXX  XXXX. This is NOT a legitimate business transaction. This transaction had overdrawn my account and I had notified Chase right after receiving the alert to close down my Debit and Credit Card. Chase gives me the temporary credit, and with-in a week denied my appeal stating that my card was used with the chip, and therefore can not be fraud. 

This is fraud. 
I have no knowledge whatsoever of any of these transactions, and Chase should give me my money back. 
They have no knowledge of whether the EMV chip had been used, or if the card was used manually by entering my Card #, Expiration date, and CSV number. The card was not in my possession so any of the above can happen without my permission. 
In conclusion, my Debit had been charged XXXX USD to a retailer that does not exist and had custom charged their own fee of XXXX Pesos at an exchange rate of XXXX and Chase Fraud will not assist me or provide me the retail name to pursue because my card has a EMV chip, but can not prove that the EMV chip is involved when you can physically enter the information on a card, that is not in my possession. 

Chase Fraud Prevention did not honor my " Zero Liability Protection '' or offer any protection for this transaction. Where they had notified me of other transactions and would have gladly stopped the transaction, this large transaction went by unnoticed and was authorized to be completed.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ability Recovery Services, LLC (NC)

I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit reports.
Consumer complaint received 2018-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (OH)

My account is in a chargeoff status and I have NEVER been able to get any information Discover refused to send statements, refused to give online account access and Still to this day can't tell me where my payments went or how they were applied. I received a history breakdown finally but it does not balance if I add their columns for amount paid, amount applied to principal amount applied to interest it does not balance by several thousand dollars. I asked again for a better breakdown of payments since they are grouped in this sheet for two accounts. the rep said it was approved and being sent to me. I received a letter today and once again it says they can't provide the information because the loan is in a chargeoff status and that I should call once it is in repayment. It IS in repayment and has been in repayment since XX/XX/2014. They know it is being repaid but are still giving me the run around. Now upon further review of my account it appears the interest rate should have been a variable rate and it appears I have been charged a fixed rate of 7.5 % which is much higher than the agreement I had specific payment arrangements for each account and they applied them wherever they wanted even though Discover and XXXX stated in writing that the amounts would be applied to specific accounts. I strongly feel that Discover student loans and XXXX and associates have employed deceptive illegal tatics to get customers to pay more than they owe by complicating things so much that the information can't be deciphered. Now they can't even figure out what is due.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: USCB Corporation (NC)

I have 2 collection accounts from the same company XXXX XXXX reporting to 2 different collection agencies with 2 different amounts on all 3- credit reports. One is for {$810.00} which was removed during a previous dispute and one for {$730.00}. I would like them removed for inaccurately posting I formation to my credit reports.
Consumer complaint received 2023-05-07
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion did respond however I am very upset with the results ... I file a dispute with inquiries and XXXX XXXX XXXX  ( aka ) XXXX XXXX  ) also I file a dispute with XXXX XXXX ... XXXX XXXX did investigate and found this account to be fraudulent!
Consumer complaint received 2018-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Opened " XXXX XXXX '' account in XX/XX/2018 in my name. Funded it with {$100.00} from my credit union 's checking account in my name. Without notice, warning, or explanation the account became blocked. After chatting it up with extremely professional customer service representatives I had the account unblocked. Why did it get blocked in the first place? It remains a mystery to this day! Decided to use the online bill-pay to test it out. Paid XXXX XXXX, XXXX, & XXXX. All credit cards. All in my name. The payments went out. Then I received an e-mail from XXXX XXXX stating that I had sent them a payment which came back " insufficient funds. '' I thought it was a phishing attempt or spam, because I had more than enough money in my account to cover the online bill-payments. It turned out my " XXXX XXXX '' account got blocked again! Thus causing all the credit card payments I had made to come back as " insufficient funds '' which is not true. I had and have sufficient funds. " XXXX XXXX '' whether knowingly or not, whether on a technicality or not, did not tell the truth about my financial status to my credit card companies. In defamation and libel cases, even if there was no intention on the part of " XXXX XXXX '' to have done this - it is no defense under the laws of the State of California. So of course, I called up " XXXX XXXX. '' I was told my account got unblocked and the payments would get disbursed to the payees, and not to worry. Well of course, that didn't happen. The account got blocked again, or I was misled. Because of " XXXX XXXX '' - payments bounced to XXXX XXXX, XXXX, & XXXX. I have had good positive relationships with those credit card companies. Then this happened! I even received a letter from a company called " XXXX '' about these " insufficient fund '' transactions. All of these different counts of defamation and libel. It was and it is simply not true. I called " XXXX XXXX '' up and was told someone would get back to me. They never did. No call from a supervisor. No " bedside manner. '' None of it. I probably would have been okay with some kind of resolution from a higher up at " XXXX XXXX. '' But that didn't happen. I wrote a letter to " XXXX XXXX. '' No response. Then I stepped it up with a demand letter. A response from an " XXXX XXXX '' in XXXX XXXX XXXX. Now I wait. I do not want anyone else to go through what I have. It is not worth it. This is not the same " XXXX XXXX '' that the XXXX family put into place. To say I am disappointed is an understatement. I am sad. 

Your Desired Resolution : {$10000.00} and a handwritten apology from a " XXXX XXXX '' executive.
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

I have tried repeatedly to resolve issues with incorrect information on my report with Equifax. Equifax ignores my letters and repeatedly adds incorrect descriptors and or inaccurate comments to my XXXX XXXX Accounts. Recently they added a fraudulent descriptor to one of my XXXX XXXX Credit Card accounts. Equifax is violating my consumer rights and FCRA guidelines by ignoring letters Ive sent requesting them to delete the inaccurate remarks/descriptors and by adding these as they are blatantly false and inaccurate.
Consumer complaint received 2018-06-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, Experian, XXXX and XXXX that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
Consumer complaint received 2018-06-01
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: U.S. BANCORP (TX)

I opened a complain with the CFPB about an issue I had with U.S. Bank ( details of that complaint below ). U.S. Bank stated they would resolve the issue back in XX/XX/XXXX, it is four months since that reply and yet nothing has been resolved from their end. I've tried contacting them via phone, but they refuse to acknowledge the complaint was ever received or " resolved '' and are insisting that it isn't in their systems. I have a written response from U.S. Bank that was sent through the CFPB, but yet they haven't done what they stated they would be doing in the letter as my credit inquiry is still showing up on my report.
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Received a threatening, abusive, rude telephone call from XXXX XXXX of XXXX XXXX XXXX and XXXX. She threatened to send law enforcement to my home and job and to garnish my wages for a credit card debt that she refused to provide me information about. She said that i owed {$1200.00} plus court costs and attorney fees. 
She had the wrong birthday and SSN for me. She also left a message on my husband 's phone number which has no connection to me at all.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There are six unauthorized hard inquire 's on my report when i spoke to a rep from transunion they said there was nothing that can be done cause the inquiries are a statement of fact, but they are not, i didn't autorized any of the five creditors to run my report and there is also fraud alert on my file but they still allowed my report to be access with out my autorization, see dates below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (MD)

I had XXXX phone service for approximately 3 years without ever late. I call XXXX to cancel my service with them on XX/XX/17. When I called I ask the rep how much I need to pay to cancel my service. The rep ask me why I wanted to cancel the service and I explain that I experience a lot of drop calls and that's the reason why am moving my services. he then put me on hold and came back and said I need to pay two separate payment to cancel the service. I proceed to ask why do I need to make two separate payments. he then say that I have to pay the last bill and that they also bill me in advance. I when ahead a make the first payment for {$400.00} and the another for {$180.00}. I was told that was my final bill and I didn't owe anything else. Since I never receive a bill from XXXX or a call from XXXX to say I owe anything else. Low and behold about 2 week ago a collection agencies my the name Diversified a pairs on my credit report. I never was notify by this collection agency prior to placing this item on my credit report. I believe the law states that I should be notify in writing and and allow 30days to respond to the collection agency/creditor to whether I am disputing the item in question. Again neither XXXX nor Diversified never attempt to follow the law. I am request that this Item be remove from my credit report immediately.
Consumer complaint received 2018-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

For the second time within 3 months I have received 2 unauthorized credit inquiries for credit cards, which I an unaware of. The most recent being XX/XX/XXXX, XXXX XXXXChase Bank.