davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (CA)

Hello Dear CFPB I am writing to bring to your attention and complaint about US BANK credit Card Application process. 

I applied to US Bank Signature Rewards Card on XX/XX/2019 and received letter after couple days date XX/XX/2019 which is informing me to call because they wanted to speak with me to verify application. They asked me to call within 10 business days. 

I called on XX/XX/2019 which is not 10 business days and spoke with Supervisor XXXX employee ID # XXXX XXXX and he informed me that my application was turned down because they could not call me and speak with me, but then again i have not receive any phone calls or voice mail and plus in the letter its asking me to call to verify within 10 business days which is condition to establish account for me. why would they send me letter to call them if they already turned down my application. I am extremely not satisfied with this process and with very rude Supervisor XXXX. I will attache this letter please review. I called within 10 business days which was condition to establish account for me it's just perfectly clear. .Please reopen this application and make fair decision also please train your supervisors to be able to read and understand what simple letter says. Very biased company in my opinion
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE (AZ)

Huntington Bank is reporting that my XX/XX/XXXX payment was over 30 days late on my credit bureau report. My monthly payment is due on the XXXX of each month. I made an electronic payment via the phone on XX/XX/XXXX. According to Huntington Bank the payment was reversed due to insufficient funds ( See attached screenshot from Huntington online screen ). I had more than enough funds in my checking to cover the payment which is reflected in the bank statement page I've included. I've confirmed with XXXX XXXX that the funds were there and they show no payments being returned on their end. Huntington Bank made no attempt to contact me to let me know there was an issue with the payment that I processed via phone. I was not made aware that the payment was late until I was working on refinancing my home and it came up on my credit report. I have made several attempts to have Huntington reverse the issue on my credit report and they have declined to admit any errors on their end and as such will not reverse the negative reporting on my credit report. This is the only late payment on my credit report, I have excellent payment history. In addition to this Huntington Bank does not allow you to sign up for automatic payments via their website. They have a process in which you must fax in a form to authorize the payments. I have on 4 separate occasions requested the form and faxed it to Huntington never to have had them process the request. The requests were made on or about the following dates- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (MS)

I do n't have any account with XXXX XXXX XXXX XXXX XXXX 
However, I have received the bill every month since XXXX from the company. I have made complaint about this matter over the phone several times. They told me that understood and it was [ Fraud ] and fixed the issues. ( Last conversation with the company was XXXX/XXXX/XXXX ) Today ( XXXX/XXXX/XXXX ), I received [ COLLECTION LETTER ] from Collection Bureau of America ( XXXX ) and it said I owe {$84.00} the company.
Consumer complaint received 2021-09-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am not familiar with this account. I have contacted Capital One concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Capital One has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MO)

I saw the name " XXXX XXXX XXXX '' on my credit report & I have no idea how that info ended up on my report. Therefore I am unaware what percentage of my score is responsible for that name. I need that disputed ASAP!
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Subject : Urgent Request for Removal of Unauthorized XXXX XXXX XXXX Account from Credit Report Dear EXPERIAN, I am writing to bring to your attention a serious breach of privacy and potential identity fraud related to the unauthorized actions taken by XXXX XXXX XXXXXXXX. The details provided below highlight the gravity of the situation and the necessity for immediate corrective action. 

1. Unauthorized Access and Identity Concerns : XXXX XXXX XXXX accessing my personal information without my consent constitutes a blatant breach of my privacy rights and raises significant concerns about the potential for identity fraud. I request an immediate investigation into this matter to address the unauthorized access and ensure the protection of my sensitive information. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Unauthorized access to consumer information 2. Unauthorized Addition to Credit Report : XXXX XXXX XXXXXXXX has added an account to my credit report without my explicit authorization. It is crucial to note that, even in the event of a permissible purpose, the consent of the consumer is mandatory, and in this instance, I have not provided such consent. This unauthorized addition must be rectified promptly by removing XXXX XXXX  XXXX from my credit report. 

Relevant Federal Law Codes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Unauthorized addition to credit report XXXX. Lack of Consent for Communication : XXXX XXXX  XXXX has contacted me without seeking my consent to do so. I want to emphasize that I do not wish to engage in any business dealings with XXXX XXXX XXXX, and I am under no legal obligation to do so. Therefore, any further communication without my explicit consent is unwarranted. 

Relevant Texas-Specific Law Codes : - Texas Business and Commerce Code [ Relevant Section ] : Communication without consent In light of the aforementioned violations and concerns, I demand the following actions : 1. Immediate Removal from Credit Report : XXXX XXXX XXXX must be promptly removed from my credit report to correct the breach of privacy and unauthorized addition. 

2. Cease and Desist Communication : XXXX XXXX XXXX is instructed to cease any further communication with me unless explicit consent is obtained. 

Failure to comply with these demands within 15 days from the receipt of this letter may result in legal action, seeking damages and penalties for the violations outlined. 

I urge EXPERIAN to treat this matter with the utmost urgency and undertake the necessary steps to rectify the unauthorized actions of XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XX/XX/XXXX I got several emails about credit card applications with Bank of America for reward cards for travel, and XXXX XXXXXXXX, University of Delaware XXXX XXXX XXXX XXXX card. I have attempted numerous times to call bank of america but the wait times are out of hand. I tried to make an appointment, but I don't have an account with them to use. I filed a police report with Sherriff 's Department in XXXX XXXX, MD where I live. Case # XXXX on XX/XX/XXXX with Deputy XXXX. I placed an initial Security Alert to my credit file with XXXX, XXXX and XXXX XXXX. I received a letter in the mail from bank of america stating my account ending in XXXX on XX/XX/XXXX claim number XXXX for amount of {$15000.00} and that they are working on my request. Today I received an email from bank of america to confirm my address. I tried to forward it to fraud @ bankofamerica but it wouldn't go through. 

I also received a letter from XXXX on XX/XX/XXXX that they have reviewed my account application and have decided not to open the account. I called XXXX I spoke to XXXX from XXXX XXXX XXXX, UT and she stated it was from the bank division since it didn't have a XXXX number for the credit side and transferred me but the wait is over 15 mins. I tried to use the messenger service on XXXX  website and they said I needed to call to talk to someone about it and gave me a number of XXXX and the wait time said over 10 mins and waited longer on hold with no one answering the phones. I have to work 12-16 hours a day and can't be on hold for long periods to wait to talk. I tried to schedule a time with Bank of America but I don't have a XXXX digit account number to give them so they won't schedule. Everything I have received from Bank of America the account number ends in XXXX and I don't recognize that number. I only have XXXX credit cards I use on a regular basis and I pay them off as I use them, but I do believe I may have had credit cards with these companies years ago but the accounts should be closed.
Consumer complaint received 2015-10-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc. (NC)

Executed a lease with XXXX XXXX through email. Arrival date XXXX/XXXX/2013 see apartment for first time and document/record/film many housing violations. 2010 Maryland Code Public Safety Title 12-Building and Material CODES : Other SAFETY Provisions Subtitles 2- Statewide Building and housing Codes Section 12-203-Minimum Livability Code. Apartment did not meet minimum standards by law. Did not take/move into apartment, immediately informed XXXX XXXX. Found replacement housing XXXX/XXXX/2013. XXXX XXXX XXXX continued to charge my credit card for apartment. I disputed charges and XXXX XXXX Wide hired ResidentCollect Inc ( XXXX ) who called and harassed family for payment of {$1200.00} for rent of apt . not taken. The actions and statements of XXXX XXXX XXXX and ResidentCollect Inc destroyed credit and were used/cited as the reason for family member termination from job.
Consumer complaint received 2015-06-22
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have a credit card account with Capital One. My payments are due by the XXXX of the month and typically Capital One will report account information to the credit bureaus a few days after the payment is due each month. This is what occurred this month on approximately XXXX/XXXX/2015, when my account was updated to reflect the payments made and my balance reflected {$130.00}. I then made another payment which posted on XXXX/XXXX/2015. Capital One did not update my payment history after that payment. However, there was an issue with my bank and the payment was returned ( and subsequently resubmitted after the error was corrected ). I checked my credit report today and Capital One has now updated my XXXX report to reflect the balance of the returned payment even though they had already updated the reporting of the account at the beginning of the month to reflect my payments at that time which cleared with no problem. Consequently, this update caused a nearly XXXX point drop in my credit score. It is very clear that Capital One is electing to report the account at various times with the intent of penalizing me. They did n't choose to update the reporting when my balance was even lower yet they are choosing to do so when the payment was returned. This clearly shows that they are intentionally trying to damage my credit rating in an effort to have me resolve the returned payment ( which I have already done anyway ). This is not the XXXX time they have reported multiple times in a month. The account should be reported after the payment is due and not report again until the following month 's payment is due, which is accurate information. Had I not resolved the issue with the returned payment by my next billing cycle, then Capital One would have every reason to report it in this manner, however, they are opting to do so now before the billing cycle is complete in an effort to intentionally damage my credit rating and to penalize me. I am applying for a mortgage at this time and now have been denied credit due to this.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

I looked over my credit report and notice that. there were some unauthorized inquiries. This is negatively affecting my credit and hindering me from being able to purchase my first home. According to the FCRA this is a violation. These are the inquires as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is defamation of my credit reporting history please remove.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

Regarding account number : XXXX GM Financial is currently reporting to XXXX, XXXX, and XXXX as Charge off. 
I called GM Financial on XX/XX/XXXX at XXXX at XXXX I spoke with a representative by the name of XXXX XXXX IDENTIFICATION NUMBER : XXXX ) to confirm the charge off status. The rep indeed confirmed that the account was in a charge off status. 
I am aware that Pursuant to 7 CFR 1956.54 the definition of a charge off is the writing off of a debt and the termination of collection activities without release of personal liability. 
According to this definition once a debt is deemed charged off then it must be written off with the IRS using form 1099C Once a debt is deemed charged off, then a copy of that filed 1099c must be sent to the consumer no later than XX/XX/XXXX of the following year. 
This account was officially charged off XXXX of XXXX therefore a copy of the 1099c that shouldve been filed with the IRS should have been sent to me, the consumer by XX/XX/XXXX. 
The rep XXXX confirmed no 1099c was ever sent to me, the consumer. 
If no 1099C was filed and no proof of the filed 1099c was sent to me, the consumer, then the reporting status of charge off is false and misleading representation and a violation of 15 USC 1692e.
Consumer complaint received 2015-04-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (OR)

I keep getting calls on my cell phone from Synchrony Bank on my Care Credit account, which apparently is a call center in XXXX XXXX, XXXX. I explained that they are not authorized to call my cell phone for debt collection. The clerk and his supervisor would not listen to me in spite of my repeating that I would make a payment XXXX/XXXX/2015. When I found out the 'collectors ' were outside the XXXX XXXX refused to 'preauthorize ' a debt to my checking account for XXXX/XXXX/2015, which they threatened to add additional late fees. I told them I 'd send a check with my statement 'tear off ' payment form. I explained I give no one my account information over the phone and especially not someone outside the XXXX speaking to me as if XXXX were my XXXX language ( very demeaning and degrading ) without allowing me to speak. When I was to be transferred to the XXXX division the line went dead.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I had an account through XXXX that went to collections during COVID. I paid it all off with my last payment posting to the XXXX account on XX/XX/2021 for {$170.00}, but Experian had it updated on XX/XX/2021 and nothing after. They DO have the last payment that they claim, which corresponds as my last payment PRIOR to my XX/XX/XXXX payment as XX/XX/2021. I have gone through 3 Dispute processes with Experian and all three have been rejected. I called XXXX the last time to get more documentation. I got a PDF and they are also mailing me proof that my account is in fact paid in full, but Experian claims that they called XXXX and XXXX  claimed I haven't paid it, which makes no sense because my account shows that I paid ALL of my accounts off and that I don't owe anything on this account or any other account with them and the person I talked to confirmed this and so does my account online. I will also be doing a claim for XXXX also.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act 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 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 have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank ( Amazon Credit Account ) closed my account without warning, the only way I found out was because I tried to purchase something and was declined. I asked them why they closed it and they said because a payment was returned. It was returned because of fraud on my bank account but they said a closed account can not be reopened. I have had the Amazon credit account for 7 plus years, great payment history, paid the balance off several times over the 7 years used it all the time and they still closed the account for a payment being returned when it was not my fault. They are by far the worst company to get a credit card through.
Consumer complaint received 2016-06-10
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (AZ)

This " lender '' is very interesting. First they start by approving XXXX for a loan. They ask what one 's paydays are. Then they set up the loan repayment schedule so that the payments are processed the day before the payday -- hoping, I assume, that the payment wo n't be honored, which will force the borrower to pay more fees for late payment. 

Second, instead of a stead payment schedule, the borrower makes XXXX payments of X-dollars in " finance fees ''. For my {$400.00} loan, this means I will pay {$700.00} in finance fees before ANYTHING is applied to the principle -- basically this is negative amortization, at a going rate of 798 %. ( Yes, SEVEN HUNDRED AND NINETY-EIGHT percent. ) Third, after the finance fees, the payment balloons -- it 's 10 % larger for no real reason. Again, my assumption is that this ballooning of the payment structure is to make it more likely to engender some kind of overdraft/late payment situation. 

Finally, they fail to disclose this information in any meaningful sense. It was n't until I had the loan that I was able to review these terms and conditions. I realized I was getting ripped-off, of course. I just had n't realized how much they were XXXX me and in what new and unique ways.
Consumer complaint received 2016-06-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I have owned my property for almost 20 years, recently I came upon hard times and have had financial difficulties. I have tried to work with Ocwen on keeping my home for several years now. Ocwen is a very difficult company to work with and now that they have set a sale date on my home they will not review me for a modification which I can now afford. I am XXXX from the military and have steady income that I can prove if just given the chance to show it.
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

The mortgage company began to raise the monthly payment after I was approved for exmption that should lower the monthly payment and taxes on home, but they told me that they paid more than XXXX for the city and the taxes was only XXXX, I called the city and I was informed that there was a refound sent to the mortgage company and they also sent me a refound. The mortage kept saying that there is a shortrage in the account and I told them there should n't because they got refound from the city. They insisted and kept adding more things to the monthly payment. They also tell me that I have two payments due in my account but I have a proof for paying every month. I need help to stop this company from adding this additional payments and charge me for something that is not there.