davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I recently sustained an unforeseen injury that has affected my vision and I'm currently on XXXX, receiving only portion of my regular salary. According to my physicians, it can be months before my vision is back to baseline. With my return to work being months away, me taking a hit in my take-home wages and having now additional obligations in the form of medical bills, I reached out to USAA about my credit card balances, which are all current and in good standing at the moment, to see if they could assist me in anyway with my monthly payments and interest rates during this financial hardship. I attempted to convey this request twice to their customer care team. The first time they redirected me to a third party company which all they did was try and sign me up to a credit counseling service, which was fee-based. The second attempt, I was told blatantly that they couldn't do anything for me. Having been a USAA member since 2004, when I enlisted in the United States XXXX and have utilized numerous USAA products with good results and service, so I am VERY applaud and disappointed that USAA refuses assistance to a member of 15+ years during this unfortunate time and eventually will be forcing it's member to default on payments due to lack of funds at this time.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

I applied for a mortgage with my current credit union to buy a second property. My credit union pulled my credit with Experian to verify my qualifications as a borrower. 
Without my consent, Experian has sent my personal information, including my phone number, to hundreds of mortgage brokers or other people selling mortgage services who immediately started harrassing me. My application with my credit union posted at approx XXXX on XX/XX/XXXX. I received my first calls at XXXX and have received 36 phone calls, and multiple text messages. More than 30 of those have come from XXXX XXXX on XX/XX/XXXX. I did not consent to my information being shared or having these people call me. I haven no interest in shopping this loan product. The people calling are rude and aggressive. Many have said things that are blatantly not true, like my current bank is intentionally going to charge me more money, my current bank is only out to take advantage of, I'm required to shop to multiple lenders to get my loan, etc. I have been yelled at and told I don't know what's happening with my financial process or how to ensure I don't overpay, that the only way I can be sure I'm getting a good deal is to work with any one of these callers. None of this is true, I know this for a fact because I'm a XXXX who deals with this type of transaction all the time. This is harassment and I don't deserve to be treated like this, just for applying for a loan. The fact that my personal data could be shared this broadly, without my consent, is appalling and can not possibly be legal. I do not need dozens of people harrassing me about a mortgage decision I've made with my current banker. I should have been informed that my data would be sold in this manner and had the opportunity to opt out FIRST, not be told I could opt out after the data has been sold. I've had to add my phone number to the national do not call list, and opt out of all pre-screening permanently but this does not stop the current set of phone calls. In this day and age I should have the option as to whether my data is sold and give explicit consent, rather than be told after the fact.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have an account with Kohls/Capital one card which I have always had an outstanding payment history with them. In XXXX 2019 I went into the Kohls store located in XXXX NY to make a payment. They assured me all was well with the payment. it will post the day I paid which was prior to the due date. In fact that is not what happened they seemed to have had technical computer issues and never posted the payment. As soon as I was made aware of this issue I resolved it immediately. 

I also never received a notice in the mail in regards to my account getting a 30 day late which they are required to send.
Consumer complaint received 2019-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (IL)

Switched my phone service from XXXX to XXXX XXXX and cancelled my account over the phone with XXXX back in XXXX of 2018 with my current account at a zero balance and have had phone service with XXXX XXXX since XXXX of 2018. 

My account with XXXX has been closed for a year and I do not have any services from them of any kind. 

I have no idea what these charges are all about.
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One did not notify me of missed payments of card and abruptly shut card with balance off. sent to collections and amount is different than credit companies statement. no calls to dispute or give information of due amount. just a account with due money.
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX XXXX did not notify me of missed payments of card and abruptly shut card with balance off. sent to collections and amount is different than credit companies statement. no calls to dispute or give information of due amount. just a account with due money.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (PA)

I have a loan with DISCOVER FIN SVCS LLC. 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 and DISCOVER FIN SVCS LLCwith no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

In the first part of XX/XX/XXXX Bank of America froze my checking and savings account saying that they had decided to close my joint account. However, they didn't close it until XX/XX/XXXX and held my XXXX and couldn't give me any answers until they completed their investigation. This continued all the way till XX/XX/XXXX when they mailed me a letter saying thank you for being patient while they conducted their investigation and considered this matter closed and included a cashier 's check for my XXXX. Now they are reporting to XXXX " fraud risk and unpaid XXXX outstanding. I never did anything to them. I need a bank account. This is unfair and unethical.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (RI)

I have a checking account with Wells Fargo Bank. I have direct deposit of my pension check with the Bank. I have repeatedly asked the Bank that if there are insufficient funds in the account that the Bank decline any request for payment. The bank knows that there are insufficient funds in the account, but it goes ahead and pays any request and then charges the account {$35.00} for each request it pays. I am retired and ion a fixed income. By the time the next pension check is deposited, it has taken the whole check.
Consumer complaint received 2019-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

There were two account that showed up on my XXXX  credit report that were opened on XX/XX/2019. I saw them on credit report starting XX/XX/2019. Both of these account are of Bank of America. I called XXXX to dispute these accounts ( around   XX/XX/XXXX ). The representative told me that I have to contact Bank of America. I called Bank of America, and was told that I do not exist in their system. They couldn't find anything under my name and SSN. Thus, I went back to XXXX and disputed it using their online dispute services on XX/XX/XXXX. On XX/XX/XXXX, XXXX responded saying that Bank of America has certified these accounts and they will stay on my credit report. 
I contacted Bank of America and was treated rudely by their representative, because she couldn't find any account under my name, while XX/XX/XXXX is showing two account that I never opened. 
None of these companies are trying to help me resolve these, as both of them are referring me to each other for dispute these activities. 
One account has balance of {$1500.00} with credit limit of {$14000.00} Second account has balance of {$1900.00} with {$5500.00} credit limit. 
Because of these activities my credit score went down 11 points. 

Also, there is a wrong address showing up on my report, which is reported by Bank of America. I tried to dispute that, but XX/XX/XXXX is not removing it from my report as well. Other two credit bureaus, ( XX/XX/XXXX and XX/XX/XXXX ) has none of these information on their credit reports.
Consumer complaint received 2019-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Automatic Bill Payment set up through XXXX XXXX XXXX XXXX XXXX to pay XXXX XXXX each month on the XXXX after paycheck deposited -- -- No problems Loan sold to Mr Cooper. Borrower switches Payee to Mr Cooper for same payment.

Bill pay apparently sends paper checks instead of electronic payment as with XXXX. 

Borrower is unaware of any issue and pays automatic amount in excess of required payment. 

Payment arrives 2-3 days late due to non electronic payments required for Mr Cooper ... .for 3 years!

Borrower does NOT reduce principal and Mr Cooper collects late fees the entire time. NO NOTIFICATION IS EVER MADE TO BORROWER OF REPEATED LATE FEES ETC.

Borrower reviews electronic statements for tax inquiry and discovers issue. Calls Mr Cooper and is told nothing is wrong and they will no refund fees.

This issue can affect thousands of borrowers who have their loans transferred and set payment to when their paychecks arrived. I will take my hit but this is the exact issue that CFPB should remediate. I was happy with XXXX ... yet I end up with Mr Cooper and now I miss {$1400.00} in paying my principal down ... .Mr Cooper has that. NOT RIGHT
Consumer complaint received 2019-10-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (IA)

XX/XX/XXXX I had a XXXX and resigned from my previous job. I called and told them I would be late on my payment. I had a temp job and was able to pay my minimum balance. They came and took the vehicle. And sold the car to car hop across the street. And told me to pay the amount for XXXX dollars to get my car back which they sold and now they sticking me with the remainder of the car. Laws aren't build for us it used to help people like them crooks. Messed my life up
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I had a student loan back in XX/XX/XXXX, eventually due to financial issues I could not pay back the loan and the loan was sold to a different student loan servicer called Navient sometime in XX/XX/XXXX and the collection process started again but I did not receive any notices in the mail or calls over the phone, nothing informing me that they were collecting on the student loan. Since I live in Florida and hurricane Irma came around during that time they put the payments on hold until around XX/XX/XXXX. 3 months later I finally find out because I noticed my credit score dropped substantially and I looked to see why and I find out about Navient and that I'm 90days late on the student loan payments, so I immediately pay everything in full since I have a better job now and have continued to make payments on time since then but the damage was done, my credit was set back big time and it will continue to hur me for the next 7 years. I called Navient and explained what happened.. They state that they only accept letters mailed to a certain dept to address those kinds of issues, seems like businesses do that to make it harder for consumers to get things fixed. I sent the letter around XX/XX/XXXX but I haven't received any sort of response. I understand that the student loan was something I am supposed to be responsible for and I tried to be back when I tried to pursue a higher education but if I have known ahead of time that the transition happened with Navient 8 years later I would have committed to the promise I originally made when I was 18 especially since I have become a much more responsible adult over those years but the 90 day late payment tells a different story about me, one that says I'm irresponsible, that I don't follow up on my promises. It has set me back on reaching my financial goals like buying a home and getting a good interest rate on my car. I hope by doing this it can help set things straight
Consumer complaint received 2019-10-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (MS)

I tried to pay the company but they refused payment and locked up their website and turned account over to collection agency. I tried calling the company to arrange payment rep told me to call back they would hang up the phone I would call on numerous occasions only to never get anyone and website locked up not accepting any payment. I tried on many occasions to pay this company it locked up and would not take a payment. It was as if they deliberately wanted to send my account to a collection agency. The company is ruining people credit by locking up the account online where the customer can not pay the bill as it is agreed.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (VA)

This is not a duplicate complaint and its filing is legal and sustain and the bank accused of wrongdoings is now noticed - - ______XXXX   XXXX______ _______XXXX XXXX XXXX _____ XXXX XXXX VA XXXX- - _____FORMAL legal Complaint and legal notice to stop and cease from any new retaliation and discrimination - -- -///////// Filing Date : XX/XX/2019. 

Chase Bank in a new act of retaliation against my person declined my transaction, impeded my ability to use my account ending in XXXX ( complete account number shown in a copy from the current statement with a rejected due date of XX/XX/2019. This copy is attached to this legal complaint and notice ) - And violated the applicable terms and conditions of the account therefore I have no obligation toward this bank in any way. This Bank motives to those discriminatory and retaliatory adverse actions are : my filing previously within the CFPB and against this same bank and the CFPB has access to those complaints, my rejection in writing to this banks attempt to force me to accept arbitration and my complaint to this bank itself about what I believe its unlawful behaviors against my person. Chase Bank or chase card services or any company that has Chase in its legal business name and operate in the U.S by those acts committed toward me it has violated the Consumer Financial Protrction Act of 2010 reform ( CFPA ), The Equal Credit Opportunity Act ( ECOA ), Civil rights Act and other laws or regulations and/or their provisions prohibiting retaliation or discrimination toward consumers or anyone who report a company to the CFPB or any regulator. I attached the receipt that shows the decline of my purchase by Chase and this Bank ( Chase ) chose not abide by the law and terms and any new aggression or adverse action from this Bank against me is going to be very reckless and it should have severe legal consequences on this Bank. 
_ - This bank is now notice to cease and stop from any negative act or any adverse action or any retaliation type against me ; and any matter between me and this Bank is now disputed legally - any new aggression or alike or any type of harm against me will then justify any legal action I will then take I reserveu right to take any legal action I see it appropriate and at any time and workout any prior notice of any kind to Bank - - I attached also what prove that as of this moment I should have a credit limit of over {$4000.00} I reserve all my rights - e- - - - All stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any kind and at any time and by my person or legal counsel and without any notice and without waiving my rights .- - - Thank you, - - The complainant ( XXXX XXXX ) today XX/XX/2019.- -
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, and I'm not aware of this, Under USC 1666b. 

XXXX Account Number : XXXX
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2019, I conducted a cash advance. I attempted to pay the full amount on the same day to avoid interest, but was unable to as the bank does not allow a payment greater than the posted balance. The cash advance was still temporary authorization. On XX/XX/2019, I attempted the payment again and was still denied the ability to pay the full amount as the advance amount was still a temporary authorization. On XX/XX/2019, the cash advance amount posted, however with a date of XXXX, resulting in 2 days of interest be charged. However they charge the cash advance fee on the XXXX when it posted. This is unfair, deceptive, and abusive. The customer is unable to prepay an amount that is temporary authorized to avoid interest. If a payment can't be made by the customer until it hits the balance, the transaction date of this cash advance should have been the date when it posts, allowing me the opportunity to avoid interest. This is probably happening on every cash advance as the banks system process to restrict payments beyond the balance, but posts two days later with a date 2 days prior. Screenshots have been captured to show the restriction to pay as well as the back dating of the transaction when it posted 2 days later. The CFPB should also conduct an exam of cash advances and evaluate the capabilities restricted to customers while date calculations backdate. There is probably millions of dollars in interest being charged every year for extra days.
Consumer complaint received 2019-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (CO)

McCarthy, Burgess & Wolff has called, emailed and sent me letters for weeks to collect a debt that was paid. I've repeatedly asked them for documentation supporting their collections efforts. In response they have sent me the same invoice from XXXX several times that shows paid in full with {$0.00} due. I've pointed this out several times in emails and voicemail messages that this invoice is marked paid in full, but they keep sending me the same paid invoice. I also provided proof that I paid this invoice in 2017. Today they put my name on a collection letter for a debt owed by a company I've never heard of ( XXXX ) and have nothing to do with - completely different from the paid invoice they've been sending me. No one responds directly to the issues raised in my emails or voicemails. They just keep sending the same form letter and paid invoice - until today when they sent me a completely random debt owed by someone else. I'm concerned they will report something to the credit bureaus that I'll have to battle for the next 10 years.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

****My LAST 4  SOCIAL XXXX, the system kept saying I put XXXX  # s in the XXXX social # field. XXXX I started getting letters from lawyers office saying I'm being sued by a debt collector because I owe XXXX  XXXX {$13000.00} for a account that was opened in XX/XX/XXXX, charged off XX/XX/XXXX ... I used to have a XXXX  XXXX account bout 10 years ago, limit was round $ XXXX, I never had a credit with a limit that high. I closed the account because of fraud and identity theft issues that kept happening. I have no knowledge of the balance/account they are saying I'm being sued for.
Consumer complaint received 2017-01-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I sent a letter to FIFTH THIRD BANK letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and FIFTH THIRD BANK refuses to delete the fraudulent accounts from my credit report stating in a letter its verified FIFTH THIRD BANK provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.