davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
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: WELLS FARGO & COMPANY (GA)

I have a few inquiries that I see on my report that are fraudulent. I have contacted the creditors as well as the Bureaus and the creditors have no accounts with my social in their Data Base. The Bureaus are telling me I need a letter of deletion. The creditors are unwilling to provide these and I need these inquiries removed as they were not initiated by me. XXXX and XXXX will not cooperate XXXX was able to remove two of them that was reporting to them.
Consumer complaint received 2021-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OR)

All of my XXXX XXXX Loans were discharged by the Department of Education under the closed school discharge. This should leave only two loans for XXXX  XXXX XXXX ( loans 12 and 13 ). 

As of last week ( XX/XX/XXXX ), all of the loans were correctly discharged as they should have been except two of them - Loans 4 and 7. Loan 7 had a balance of {$.00} which I paid to get it gone and out of the way since it was only XXXX XXXX. However, Loan number 4 has been sitting with a balance of {$89.00}. I have contacted Navient multiple times since then to get it corrected. I have even offered to provide the print out from the Dept of Ed Student Financial Aid site showing that they have all been fully discharged. Navient continuously passes the buck back to the Dept of Ed and refuses to fully discharge this loan and make it a XXXX balance like they are supposed to. 

Today ( XX/XX/XXXX ) I called because I had a {$150.00} credit on another loan ( loan 9 ). I had called yesterday ( XX/XX/XXXX ) and asked that they apply it to loan number 13. When I woke up this morning, I had discovered that they applied {$140.00} to loan 13 and {$8.00} to loan 4- the loan that should be fully discharged!!!! And regardless, the money should have been put exactly where I asked it to be. They were able to get that part fixed fairly easily which was good.

So then I once again brought up the fact that loan number 4 was supposed to have been 100 % fully discharged under the closed school discharge that I received and ALL XXXX XXXX loans should be {$0.00}. I mentioned that I have proof ( which I did attach to this CFPB complaint ) from the Federal Student Aid site that ALL XXXX XXXX loans are discharged and show a {$0.00} amount. They once again tried to pass the buck to Dept of Ed and say they are the only ones who can fix it. I asked for a supervisor and was magically disconnected. 

I took a break from it because I was super mad then and called the Dept of Ed and they said the exact same thing- ALL XXXX XXXX LOANS SHOULD BE FULLY DISCHARGED and that Navient is incorrectly passing the buck. They recommended I file a CFPB complaint to get Navient to do the correct thing so I am.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Last week I received a notification from XXXX saying that I had a new credit inquiry on my file. This credit inquiry was for Capital One. I called XXXX to dispute this inquiry and they put a Fraud Alert on my credit report and disputed the inquiry. 

In addition, I called Capital One to dispute this card inquiry with them. They checked their system using my name, date of birth, SSN and address but did not see any accounts for me. I had assumed that this was an error and since XXXX put the alert on my file and Capital One didnt have my information, I let this issue go. 

Today I opened my mail to find a Capital One card, even though they said they couldnt find a card on file for me. I called Capital One to dispute this card and he said that the personal information that I provided matches the information that was provided to open the card. He asked if a family member may have opened the card in my name. I said no. He then told me that the only way I can get this credit off of my credit report is for Capital One to conduct an internal investigation. I asked him to tell me what the credit limit for this card was to see how it would impact me, and he did not tell me. The credit limit is also not listed anywhere on the credit card envelope of information.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

I spoke with the HUD approved counselor 4 days ago regarding my Mortgage issues with Mr. Cooper, they called XXXX XXXX in Mr. Cooper and she said I need to get back to Mr. Cooper by XX/XX/2021 that how I want to proceed regarding my Mortgage payment, that whether I would like to go for a Modification or a payment deferral. 

So i was just trying to figure out what to do regarding my Mortgage and today I saw Mr. Cooper website and it states that I am 60 days late on my payment, when my Forebearance just ended on XX/XX/2021. ( Please see the exhibit attached ) I am also waiting for CA Mortgage relief plan which has been submitted by XXXX to US treasury and waiting it to get approved, I think Mr. Cooper is just trying to foreclose on my property and take my home away with equity. 

There is no transparency and no communication what so ever, I am very worried and in stress about my future with Mr. Cooper
Consumer complaint received 2021-10-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (CA)

A friend of mine wrongly sent me {$880.00} on Venmo ( intended for a different 'XXXX  ' ). Unknown to my friend, I'm unable to access my account due to restrictions Venmo has placed on it due to it being in a collections ' status over a disputed account deficit. 

As a result, my friend is " out '' {$880.00} and Venmo will not comply with our requests to reverse the transaction. ( reference Venmo customer support case # XXXX ) My claim/complaint : Venmo has no right to leave my account to appear " open and active '' while restricting my control over how my personal information is presented to the public and/or prior Venmo network/relationships/friends. 

This is their way of " collecting '' funds, but their method is a violation of both my rights as a consumer and private individual. 

It is essentially " theft by deception '' and illegal seizure of assets through false representation. If they wish to collect on an account deficit, they can do so adhering to the laws of the Fair Debt Collections Practices Act.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of Americas app remains down for most of the day on Friday, XX/XX/XXXX, leaving customers unable to access their funds. I am unable to transfer my own money between accounts, make online payments or view my balance. Its unacceptable!
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (WA)

The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

I had a Simple.com account. BBVA USA bought Simple and transferred everything over, which was a nightmare ( and a different story ). Now, PNC has bought BBVA, so I went from having a Simple account with customer services reps in the US who were friendly and helpful... to BBVA and now PNC reps in XXXX who are rude and refuse to help me close out my account. My account was transferred without any agreement from me on services and fees. I have now been charged an " overdraft fee '' when I haven't even used the account since the transfer. The account is {$23.00} negative after a {$32.00} fee- if you do the math you'll see that my account wasn't actually negative until their fee. They now refuse to close my account and even hang up on me when I ask for a supervisor. This is the worst banking experience of my life.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a check into my bank of America account the next day the funds appeared in my account. I called bank of america and was told the check was good. I proceeded to purchase the equipment through a vender. as soom as those purchases went through bank of america told me that check was bad after they told me it was good and explained that due to my excellent record with the bank they rushed the check into my account. Bank of America caused this situation.
Consumer complaint received 2021-10-01
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. (NJ)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

Dept of ED Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 an account without my written instructions
Consumer complaint received 2021-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MI)

I received an email from CACH , LLC on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of CACH , LLC. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX  on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to CACH , LLC was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of CACH , LLC.
Consumer complaint received 2021-10-01
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 (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

i am XXXX XXXX XXXX holder and on XX/XX/year> i was over sea and someone supposed to transfer money and as far as i was not here because of IP address i asked my father to check my account and hes computer was hacked so some one transfer around XXXX in XXXX different amount as pay bill and i informed the bank and also i changed my password and when i come back to state i followup but after investigation they told me this is not fraud because it transferred by your device and recently i asked again to open a new claim but they refused and told my this is not fraud so i dont know what should i do so i make a claim in your web site and i doint know it this relevant to you or not Thanks XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the credit card agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic information. I also requested other things, please see attached.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo, thru Early Warning Systems, reported me to SSA as owner of three XXXX business accounts for the XXXX XXXX XXXX XXXX XXXX stating that I had under reported my assets. Consequently, Social Security Administration declared that I had been over paid the amount of money in the three accounts and withheld XXXX $ a month from my Social Security check for nearly FIVE YEARS> Wells Fargo discovered their MISTAKE in XXXX but did not inform me or Social Security until XX/XX/XXXX. The letter that Wells Fargo submitted to SSA was declared NOT SUFFICIENT for Social Security to return the money they withheld because of the false debt that Wells Fargo created in my name. I have been pleading with both Social Security and Wells Fargo to return the money to me. The willful reporting of me as owner of those accounts rather than just a co signor by Wells Fargo created years of hardship and lack, and their refusal to do the right thing has exacerbated my XXXX XXXX XXXX XXXX over and over again, each month as I had to decide whether to pay the bills and forego buying groceries and doing laundry, or any other scheme to offset the debt that's falsely assigned to me and then denied by Wells Fargo for the past 6 years. It is only since XX/XX/XXXX that they have even admitted any responsibility in creating this hardship for me.
Consumer complaint received 2021-10-01
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. (FL)

Made a car payment by phone to XXXX XXXX XXXX XXXX ( XXXX ) before the account was late ; however, XXXX posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to XXXX  official before the account became " late '' ( see attachement ).
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently received a full credit report from the mortgage company as i told you in my last message. When i found evidence of identity theft, I discovered accounts that the credit bureaus is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. I have sent in messages, letters and even called and i feel like it keep getting pushed off. I'm going to miss my chance on getting this home for my family when all three cried bureaus know they don't have any information from me signing anything showing these accounts belong to me because they don't, One account is from some place in XXXX.
Consumer complaint received 2021-10-01
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. (FL)

I became a member of Experian in XX/XX/2020. I was planning on selling my house, relocating and purchasing a new house. My credit was excellent but I decided to try the Experian XXXX product to see if it improved even more. It did improved but very little - maybe 8 pts. I sold my house and moved. As such, I had to change all of my bill payment vendors. Since these all changed on XXXX, Experian will not count the new vendors until I have 3 months worth of payments. In the meantime, Experian reduced my credit score by 19 points! The reduction is for no reason other than a change in location/vendors. This is going to cost me money when I go to apply for a mortgage. This credit score reduction is a total flaw in their product. It has absolutely nothing to do with my credit worthiness or history. I have tried to contact Experian to resolve the issue and they just told me that I have to wait 3 months until the new payments are accepted. This is totally NOT FAIR and is going to cost me money in higher rates and other financial offerings.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My name is XXXX XXXX and this is my second complaint against my loan servicer, Rushmore Loan Management. In the complaint I filed a few months ago, I described how Rushmore was violating my California Home Owner Bill of Rights, or HOBOR, and they still are. My rights have been violated in a number of ways, including Rushmore engaging in dual tracking while I attempt to have my loan modified, no communication with my single point of contact, XXXX XXXX, and a faulty and illegal loan modification appeal process that I am currently engaged in with Rushmore. Additionally, Rushmore managers have recently lied to me, telling me that a Rushmore manager by the name of " XXXX XXXX '' had spoken to me on XXXX, telling me that I had filed an " invalid '' appeal. I had no such contact with this person, this is a lie. Rushmore made this episode up to strengthen their attempt to sell my property on XXXX, even though by law, the sale date should have been automatically postponed due to the fact that I filed a valid appeal on XXXX, after my recent loan modification proposal was declined by Rushmore. I reached out to Rushmore the week of the XXXX in an attempt to speak to XXXX or another manager concerning my appeal and why the company was not postponing the scheduled XXXX sale. To date, there has been no communication with XXXX, the only other communication with management was with the manager who lied to me about XXXX speaking with me about the appeal filed. The only reason the property was not sold on XXXX, is because I reached out to Rushmore 's attorney XXXX XXXX , who interceded on my behalf and postponed the sale. And the fact that there is a new sale date of XXXX is illegal because I am supposedly in an appeal status with Rushmore and no new sale date should be set unless my appeal is turned down. Rushmore  setting a new sale date gives the appearance of management already having decided to decline my appeal, without fairly reviewing new facts that I have presented them with. What Rushmore is doing by setting the new date so soon is grossly unfair and illegal. As mentioned in my first complaint, I would greatly appreciate having the opportunity to speak with a CFPB investigator about this matter. Simply forwarding my complaint to Rushmore and allowing them to deny the facts that I have presented here is not good enough. This is an out of control company that has trampled upon the rights of countless homeowners across the country and it needs to be held accountable for its actions. Please, have an investigator reach out to me about this matter as soon possible. Thank you very much for your time and consideration in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: InDebted Corporation (CA)

i rented a bike that the robber stole it and i reported to the police in XXXX XXXX. I did but there not going to anything but they blame me that i stole it. In LA its legally to steal less {$890.00} the officials wont do anything but bike company wants to charge me money like i stole it even camera evidence, i feel my threated. What can i do just not have a message of this company ever again.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DE)

Rushmore Loan Management purchased my mortgage from XXXX Mortgage at the end of XXXX at that point I had my mortgage paid up until XXXX & my current principal balance was {$190000.00} Rushmore sent me my XX/XX/XXXX statement stating that I owe them {$5600.00} & my mortgage balance is {$200000.00} They are sending me collection & past due notices. 
How can they be so incompetent?? 
Not sure what is going on with this company. I have had nothing but problems dealing with them. 
I am attaching a document that I have received from XXXX Mortgage showing what my current balance is ( {$190000.00} ) & my next due date ( XXXX ). 
Rushmore already has this document & they are the ones that purchased the mortgage so they have all the details regaring my loan. ( makes sense ) Dates payments made to Rushmore : XXXX {$2000.00} [ Principal {$1600.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$1800.00} [ Principal {$1500.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment XXXX {$2000.00} [ Principal {$1700.00} Interest {$310.00} ] XX/XX/XXXX Payment I have verified that these payments have cleared my bank & are posted on the Rushmore site. So why/how did my mortgage balance go up & how do I owe them {$5600.00}??? Why is this so hard for Rushmore to figure this out?? I have spoke with many incompetent reps & managers at Rushmore that just either hang up or disconnect my call. Is this a real mortgage company?