davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The incidents occurred 2015 on two capital one credit cards I had. I got a call from a marketing company saying they could reduce my interest rate on the cards. I asked if they were capital one and answer was no. I said I could call capital one myself and request rate reduced. End of call. I pay my two bills and discover the marketing company has already paid monthly payment and now attempting to reimburse themselves from my checking account!!! I considered a major scam data breach going on. I call capital one and they deny any third party working for them. Then how did third party get my check account info? I got bounced around asking for superior super duper supervisor who admitted yes the third party was under contact and the rate reduce was capital one attempt to consolidate and close the cards. I was flabbergasted because they issued me 4 credit cards!!!!! I told them I dont play back room games and how dare they distribute my banking info. I told them recently get error late payments off the cards alll paid off and closed or I am coming to your agency to recite what ugly tactics capital one engages. Here I am and End of story other than YOU NEED TO BE APPRISED OF THIS BREACH BY CAPITAL ONE. 
Good riddance to them and let them fall with XXXX XXXX!
Consumer complaint received 2021-12-19
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: FirstKey Holdings, LLC (CA)

Unbeknownst to me, this lender was switched out from my original lender, and 100 % purely due to their new collection techniques, which I was not informed of, I incurred a late payment on XXXX 2021. At first I attempted to dispute the late payment with the company, because it had negatively affected my credit score, and they removed the late payment on " XXXX XXXX, 2021 '' -- the item disputed on my credit report was " XXXX '' and it was deleted in XXXX. 

However in the following months, it has since re-appeared on my credit report, for XXXX, and it has been reported it as 2 late payments on XXXX -- I disputed this with experian and they removed a late payment, and it has re-appeared again. 

Even though this item was disputed and deleted. It keeps re-appearing, and is negatively affecting me and my ability to acquire credit. My credit score was near perfect before this. The company will absolutely not help me with any of this and refuse to acknowledge the problem.
Consumer complaint received 2021-04-08
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. (CA)

I filed an FTC report in regards to these account and sent all other documents to all three credit bureaus XXXX XXXX has be compliant in removing these items but XX/XX/XXXX and equifax refuse to saying the account have been verified.i have made several request for the methods of verification and proof of verification, and both bureaus have been non compliant. 
account 1 ; XXXX XXXX account2 ; XXXX XXXX XXXX
Consumer complaint received 2021-02-19
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. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Consumer complaint received 2021-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA)

My mortgage was sold to Rushmore Loan Management Services in XX/XX/2021. Shortly thereafter, I received a letter from them requesting proof of insurance. I immediately provided them with a copy of my XXXX/policy page listing my coverage amount ( plenty to cover mortgage amount ) and the organization was listed as mortgagee/loss payee. Two months later I am still getting notices that they have not received my insurance information. My insurance company has sent it, I have mailed it, I have faxed it and my insurance company sent it a second time, however, I am still being told they do not have this information. At this point I assume they have placed homeowners insurance on my loan. I will not pay any additional insurance due to this organizations incompetence 's. I dont know what else I can do to get them what they need. Clearly the issue is at their end because I have all the receipts of delivery. I have contacted this company five times and again today. I spoke with a manager today, XXXX XXXX at XXXX XXXX XXXX who assured me she would call my insurance agency immediately to get a copy of the insurance binder. As of XXXX XXXX my insurance company has not heard from her. XXXX XXXX was also going to inform me when she contacted them. Ive received no call back. I dont know what else I can do except ask for your help. I certainly am not going to pay for additional homeowners insurance when I have had home owners insurance in place, with the correct loss payee listed, since the inception of this mortgage. I appreciate your help. Thank you.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The remarks on my Transunion XXXX XXXX account report the account was a charge off/ paid in full however the account status states charge off. I have requested Transunion correct this inaccurate information. They have not responded. I would like the remarks and account status to reflect the same information or this account should be deleted because of inaccurate information. Thank you.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

So I applied for a credit card and this bank declined me for my credit card that defaulted more than 15 years ago and they said because of my previous relationship with American Express theyre discriminating against me and they even tried collecting this balance the collection agency after 15 years and threaten to put me in jail this new collection company that American Express hired since XXXX as threaten to put me in jail if I dont pay the whole balance so not only are they trying to collect the old balance is 15 years old Im trying to put me in jail for it theyre denying me a new credit card even though I have excellent credit now for a mistake that I did 15 years ago back in XXXX
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed by a person on the phone who posed as personnel from XXXX XXXX XXXX and said they'll cut our power in an hour if we don't pay our delinquent bill from the previous month. I ended up using XXXX from Bank of America and sent him close to {$1100.00} to resolve this issue. I called the bank 's fraud department and they said the bank can only refund the $ when its fraud not when its scam. The issue I have is the fraud department already knew this scam artist, evidently they've been sweeping the XXXX XXXX with this scam and fooled many BOFA customers. I feel its the bank 's obligation to have notified its customers when they saw this happening to warn them. This didn't happen and now they are not refunding the $ back to me.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CT)

my original debt to XXXX  XXXX, {$650.00} ( principal was 287.20 and finance charges were 371.18 ) was charged off on XX/XX/2019 after my brother suddenly and tragically died and i was required to pay for his funeral/memorial services. midland credit management purchased this debt for under 40 dollars ( account number XXXX ). due to these extenuating circumstances, i worked with other credit agencies to negotiate other debts. XXXX XXXX and XXXX XXXX negotiated fair payments which i settled immediately ( 50 % of debt ). i called midland credit agency and requested proof of original debt. they told me they didnt have that information and refused to send it. i was transferred to a call center in XXXX and then back to a call center in Virginia. I spoke with XXXX, who said that MCM did not have proof of original debt and I would have to look at my original bills. i offered MCM a lump sum payment of XXXX  dollars. they refused to accept this even though they would have made a substantial profit since they purchased my original debt for pennies on the dollar. they are greedy and should be investigated by federal legislation. i am prepared to pay XXXX  immediately if they agree. I have lost substantial income due to testing XXXXXXXX and developing severe symptoms from XXXX XXXX  for over two months. Since MCM purchased my original debt for under 40 dollars, i believe a good faith effort to negotiate a payment of XXXX dollars is reasonable and they will still make a profit. anything else is price gouging.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

that I was Racially profiled and discriminated against today at the JPMorgan Chase Consumer Banking XXXX XXXX XXXX XXXX XXXX Sterling Heights XXXX MI XXXX by a bank teller named XXXX. I came to the branch to day to withdraw {$14000.00}. I filled out and handed the tell my withdrawal slip with my drivers license and put my ATM card in the reader and entered my pin. XXXX stated do you know how much money is in this account I need to verify who you are employed by as well as the last deposit amount to give you this type of money. Implying a minority person is not capable of having or obtaining a certain amount of money in their account. He then proceeded to have me verify all of my contact information in the system. Then question why I need that amount of money what is my age. I asked him when did customers have to do all of this to get money out of their account. He stated that is the company policy and has always been company policy. I informed him that I have never had to do this at any other branch, and I have taken larger amounts out before. He then left the counter to talk to a banker they banker he talked to knew me and I guess gave him the ok to release my funds to me. When I was waiting at the counter another gentleman approached the teller next to me and asked to withdraw more than the {$14000.00}, I asked for and that teller did not ask him any of the questions XXXX asked me. That gentleman finished his transaction and walked away while I still was waiting on XXXX to get back to the teller counter
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I tried to withdraw funds from my Bank of America ( " BofA '' ) EDD debit card. I noticed the balance was suspiciously low and contacted BofA. A BofA representative confirmed my fears that my account was fraudulently debited on two transactions for a total of {$1100.00}. According to the BofA representative, on XX/XX/2021 at XXXX XXXX there was a withdrawal for the amount of {$1000.00} at an atm on XXXX and XXXX. On XX/XX/2021 the next day at XXXX XXXX, there was a second withdrawal for the amount of {$180.00} at an atm on XXXX XXXX XXXX. I have never set foot in either location and did not make these withdrawals. Upon contacting BofA my account was closed and cancelled, I was not allowed to access or make further withdrawals on the account. After some back and forth, I was directed on XX/XX/2021 to contact EDD and told that BofA did not make the account closure. I contacted EDD and after about a month, my benefits were restored. However, the BofA account remained inactive. I am currently receiving paper checks from EDD instead of direct deposits into the BofA account. This is satisfactory to me, but I seek to have the stolen funds to be resolved. As of XX/XX/2021 I received a new debit card and reset my PIN with BofA and have access to the remaining funds on my debit card. I still have not received a refund on the two fraudulent transactions and BofA has not replied to my request to re-open the investigation. On XX/XX/2021 I had a conversation with a BofA rep named XXXX from the risk department. She verified my information and confirmed that BofA would look into my claim. I waited until XX/XX/2021 and called BofA again to check on the status of the claim. I was told by a BofA rep named XXXX on XX/XX/2021 that BofA has not re-opened my claim and that they need to refile my form. She instructed me to be patient and that I should receive a letter in the mail updating me on the status of my claim and that I should not worry because the funds will be restored. It is now XX/XX/2021, approximately 3 months after the two fraudulent transactions, and I have still not received any communication or resolution regarding my claim. Although {$1100.00} may seem like a small amount to a company with assets the size of BofA, it is a significant amount of money for someone like myself. I need the funds to take care of bills and support my children. The longer BofA delays in refunding these funds, the more financial stress my family is under. I am hopeful that the CFPB will assist in resolving my issue. I have attempted in good faith to resolve the issue with BofA and assist with any information that I can provide. However, it is apparent that this is a low priority to BofA, as I have not had any luck in resolving the issue. Thank you for your time and assistance.
Consumer complaint received 2021-04-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (CA)

Aspire credit card is calling me before XXXX XXXX and being hyper aggressive when they speak to me. I have made arrangements already and they call over 5 times ever day. I ask them to stop and I have to study for school and sleep during the day. I can not sleep. Please they will not leave me alone. Also the person on the phone said they will keep calling and never stop.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OR)

This complaint is response to CFPB complaints XXXX, XXXX, XXXX, XXXX, and XXXX. 

Western Union continues to stonewall my complaints. Their response to my latest complaint ( XXXX ) is again wholly irrelevant. It fails to mention anything specific to my complaint involving a transfer to XXXX XXXX XXXX XXXX. Instead Western Union strangely continues to talk about XXXX XXXX XXXX. 

I beg CFPB to actually read the complaints and compel Western Union to respond to the specifics of my case. It seems that CFPB is content to close the complaint upon receipt of any response from Western Union, no matter how irrelevant.
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (AZ)

This is a XXXX XXXX issue among others. Please just forward to appropriate agency for review of company. I do not need anything. It was just difficult to do business with the company, I paid off the loan. 
The companys automated payment system has limited capability. Toward the XXXX of the month you can not get through to make the payment. Because of this your payment isnt necessarily made on the XXXX. They did reverse the late fee for me. 

I expressed mailed my payoff ; the mortgage servicer received it on a Saturday XXXX but did not credit it until Wednesday XXXX. When I mentioned this to staff, nothing was done. It is a XXXX XXXX  violation. 

Finally, they did not honor an assumption from a prior servicer. Luckily it was my parents loan ; I assumed it. So I had the death certificates etc when I had to deal with stuff like an escrow refund made out to the wrong party.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

i have a home loan with ( LAKEVIEW LOAN SERVICING LLC ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from lakeview and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2021-04-16
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. (CA)

For the last XXXX plus years both Transunion and XXXX have been reporting incorrect accounts ( many that are inaccurately reported wrong under FCRA guidelines XXXX, XXXX addresses, several wrong names, Charge offs and many other things that are both incorrect and/ Or do not belong to me at all. I Have contacted them countless times, including the XXXX methods of identification as needed and they have completely ignored my request stating that things were verified without doing any due diligence to verify anything. As part of y request I have asked how these things were verified and instead of responding they ALWAYS send me a generic letter saying that I need to verify my ID with XXXX forms, although I already sent everything they need to verify. They always do this and have never fixed any of the problems. The only Company that has done due diligence and fixed the problems has been XXXX  and they are the only company that is reporting my report accurately. At this point they are causing me alot of damage as I have been turned down for a job and denied prequalification for a home because of these false reports that they are furnishing. If this matter can not be settled soon I have full intentions of legally pursuing these matters in court. I would really appreciate your help as a final step before suing. attached are my XXXX most recent letters that were either ignored or forwarded back requesting Identification.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX should not be reporting to XX/XX/XXXX, Experian and XXXX that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was an accounting error on the part of XXXX and consequently this error caused a late to appear on my credit report. I have attached screenshots of my statements for XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I have also attached my statement for XX/XX/XXXX for further reference. I spoke to a representative from XXXX and they confirmed the clerical error and assured me they would contact the bureaus to have this misreporting late removed from my credit report. Unfortunately, they did not follow through. This late reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus also to fix this however, I have not been successful.