davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Credit Karma (IN)

My wife and I filed our taxes on XX/XX/2023 with XXXX XXXX. We opted for a refund advance and were required to open a Money Spend Account with Credit Karma, which my wife did. We received our advance no problem, it was for {$1000.00}. On XX/XX/XXXX the account was closed with no notice and the remainder of our tax refund was due to be deposited on XX/XX/XXXX. We tried virtual chat and was given a number to call so we tried that. We were told they could offer us no information and to look for an email which we still have never received. We made multiple attempts to talk with Credit Karma about the situation and have been hung up on multiple times, once by a supervisor named XXXX. The IRS shows the deposit as being accepted and still in Credit Karma 's possession, the full amount of the deposit was {$7100.00} this is before the advance and fees are taken. Credit Karma claims to not see any deposit and there is nothing they can do. The IRS gave us a trace number for the deposit and once again we were told by Credit Karma they could give us no information look for an email. This delay in receiving our money has forced my wife, stepson, XXXX  brother in law, and myself into being basically homeless, we currently are staying in a friend 's spare room. I just want our money. We paid for this service and they seem to be holding our money hostage.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I purchased XXXXXXXX XXXX on XXXX last year, and it took them over 6 months to arrive. When they arrived, the cells looked to be in new packaging ; however, it turned out that they were repackaged and clearly used cells with severely diminished capacity. I filed a fraud complaint with Capital One, and they sided with XXXX despite the over 15 pages of evidence, dozens of phone calls, and extensive reporting. Online forums have shown that XXXX and XXXX have switched shipments to used repackaged cells to American consumers, and only Capital One sided against the consumer. I have the entire evidence packet, and I will send the information upon request. 

Purchased : XX/XX/XXXX Received : XX/XX/XXXX Claim Filed : XX/XX/XXXX I submitted a complete faxed packet of evidence on request, but Capital One claimed they never received it. I sent the information via email, and it took 5 attempts to get the uploaded information into evidence.
Consumer complaint received 2023-01-17
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint 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 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
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (TX)

The calls started in early XX/XX/XXXX and I didnt speak with them until XX/XX/XXXX.

On XX/XX/2018 at XXXX, I received a call from XXXX XXXX an Account Manager from XXXX XXXX , XXXX . She explained a debt was placed in their office. THe debt that was placed in their office was originally held with the XXXX XXXX XXXX, another credit agency. I was resolved from the debt in XX/XX/2017 because the Bureaus could not verify that I owed the debt.

Although I explained the debt is not valid and since it can not be verified, it is removed from my credit report, they still call me and still send me letters.

I don't know how to keep them from reaching out to me about a debt I do not owe.
Consumer complaint received 2019-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VA)

I used to have credit card with XXXX XXXX XXXX.but the interest was very hight and I filed for bankrupt, but they said their dept was not included, I started to pay them, but any time I made a payment, the amount did not reduce, I called them they said the money goes to the interest. Then I stopped.
Consumer complaint received 2019-03-28
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. (GA)

I'm in the process for purchasing a home for my family and there are items on my credit that are not mine. I was advised to contact you guys and also I contacted the FTC and the local police. I hope that you guys can help me get this taken care of. Please remove XXXX XXXX, XXXX XXXX XXXX and XXXX.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (PA)

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX and 60 days late as of XX/XX/XXXX. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-27
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX has 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Pursuant to 15 USC 1681 ( a ) ( 1 ) The Banking System is dependent upon my consumer report being FAIR and ACCURATE. After reviewing my Consumer Report I realized there was INACCURATE INFORMATION being reported on this account which in turn means this particular report is unfair to me. I was never notified when this INACCURATE information was FURNISHED nor was I notified during your companies initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This GRAVE error has undermined my confidence in your companys procedures and as a result of this I will no longer be extending credit. IF THIS INFORMATION IS NOT REMOVED I no longer want my information reported in your companys database system.
Consumer complaint received 2019-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Rushmore Mortgage has applied illegally insurance to my escrow account which has obligated me to pay twice for the same risk and coverage. This is illegal. I have contacted them several times and They only answer with no technical explanation. I have provided insurance for the structure of the building were my unit is built and they referred to that insurance as a blanket which is not. This insurance covered the unit as stated in the certificates I have sent since I own that unit.Condiominium policies have specific ISO form the Insurance Service Office which it is not remotely what Rushmore Mortgage intend to portrait. They are requesting an HO6 form which esentially is, content of the unit coverage which for a 800 sqf unit is no more than {$10000.00}. They illegally charged me for insurance for the same value of the loan. Insurance is for the replacement cost value as I have explained them several times. In this case the unit has full coverage of the structures and evrything under a special form insurance which they can obrtain from ISO but They believe that they can do this to offset his own blanket policy which basically is an insurance for their business. CFPB needs to act in this complain because it is damaging many middle class homeowners increasing their monthly payments and creating another recession which at the end of the day damage middle class since the investor receive a bail out which would be also charged to the middle class taxes.
Consumer complaint received 2018-08-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (OH)

I received a telephone call from XXXX XXXX for a debt owed to XXXX XXXX XXXX ( XXXX at XXXX ) in the amount of {$630.00}. The first call I received was from a Service Processor stating that I would be served a complaint and that someone would need to be at my resident with two pieces of ID to sign for this Complaint and if I wanted to stop the process - I would have to call their office. I did call -- they wanted the following arrangements in order to stop the Service Processor : {$190.00} on XX/XX/2018 ( which I paid - and it was a struggle ). They also wanted me to pay {$440.00} on XX/XX/2018 to close out the account. I was unable to come up with the finances - so I called and they asked what could I pay - I told them that I would try to get at least {$100.00} - which I did and paid - but set up arrangements to pay the final {$330.00} by XX/XX/XXXX - which I am still unable to do. I pressure and stress to met their expectation is overwhelming. They stated that if I did not keep these arrangements that I would have to come to court and let them settle the matter. Help!
Consumer complaint received 2018-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

They offset my entire paycheck for a debt my wife had made on a joint account that is closed. BOA took the money from my personal checking account, leaving a great hardship. I cant buy food, or pay bills and we are in great financial hardship. They did not inform me of this action.
Consumer complaint received 2022-03-08
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. (HI)

XXXX Mortgage XXXX, after a CARES Act, COVID-related forbearance, tried to get me to enter into a modification without providing me with information about the fact that my credit score would be ruined, and they reported me late on the forbearance amount without my written approval ( i.e., I never agreed to the modification ), and when I realized the XXXX point drop in my credit score occurred, I asked to have the amount on forbearance deferred, which should not result in an impact on my credit score. That deferment has been completed. During the entire process I have tried to explain this to XXXX through the dispute process, and with XXXX, to at least 7 people who all refuse to listen, and simply refer me to XXXX, claiming it is their problem. XXXX tells me it is the mortgage company 's issue, since they reported the modification and that resulted in the point drop. I am very frustrated that this has ruined my credit, which was approx. XXXX point higher, and consistently in the very good to excellent category for the past 20 years, until this situation caused by XXXX occurred. XXXX Mortgage XXXX has also changed from XXXX, to XXXX, to XXXX and had many impediments to communicating with me, and vice versa for the past 2 years, exacerbating the situation. One of the specialists that I have worked with, XXXX XXXX, at XXXX confided with me that my situation is not atypical, and XXXX as a company is customarily doing the same thing to many of their customers, i.e., tricking them into accepting a modification and then condemning them to a dramatically damaged credit rating, which prevents them from seeking another loan from one of their banking competitors. This unfair business practice is a violation of the intent of the CARES Act, which was to allow relief to borrowers during the Global Pandemic, allowing them to reinitiate their payments after the emergency had passed, without detrimental affects on their credit rating, etc. I know I am speaking on behalf of hundreds, if not thousands of borrowers with XXXX who once had good credit, and are now stuck with this treacherous and predatory lender. I would like the CFPB to share this complaint with others so that they may avoid this lender, their deceptive practices, and indeed know that they have recourse with the CFPB 's protections and actions. Thank you for your help!
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I requested a new credit card from Capital One after having repeated issue with the billing department XXXX.  Capital One did issue me a new card with a new account number HOWEVER they DID NOT ADVISE me that unless I blocked XXXX from further access to my account XXXX would be able to access my account through a "credit card ID number".  Once XXXX did charge my Capital One credit card, Capital One refused to block XXXX after I filed a dispute stating that Capital One would remove the XXXX charge HOWEVER after a 90 day  investigation would place the charge back on my credit card if XXXX states I owe it.  To begin with the dispute is between me and XXXX, Capital One needs to stay out of the situation ESPECIALLY since Capital One did not properly advise me about XXXX being able to have continuous access to my account "no matter how many times the card is reported as lost or stolen".
Consumer complaint received 2018-08-03
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 (NC)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/XXXX, I have visited BECU for the third time to dispute an unauthorized transactions ( using debit card and depositing forgery checks ) due to fraudulent scam. There is a negative balance of {$6200.00} on my savings account due to the fraudster depositing forgery checks and using those money that got returned afterwards. I have filed a police report on XX/XX/XXXX and gave it to BECU but they did not approve the unauthorized transaction. The fraudster, XXXX XXXX is also being charged for Identity Theft on XX/XX/XXXX but BECU ignore the fact and take no action.
Consumer complaint received 2022-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Please see attached documentation
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I've been trying to resolve the multiple negative student loan accounts on my credit report. The credit bureaus ( XXXX, XXXX, Equifax ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor communication and investigation I'm requesting that all accounts be removed. All of the loans in question were recently consolidated but the negative accounts that been reported are hurting my scores, ability to obtain credit and hindering my home buying process. I also have an excessive amount of unauthorized inquiries that i have no knowledge of and when I try to dispute them they tell me that they belong to me and factual when they're not.
Consumer complaint received 2022-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2021 I received a request for {$300.00} on Venmo from a friend who I had previously exchanged money with on Venmo. The request came from the same name, profile picture, and unique username as my friend 's account so I accepted the request. I later found out that my friend never initiated the request. The request never showed up on my friend 's account and the money never went into their account. I contacted Venmo once I found out the charge was fraudulent. After a brief email exchange with a venmo representative, I was told that venmo would not reimburse the money that was fraudulently taken from my account despite the fact that the information on Venmo 's service was inaccurate.
Consumer complaint received 2016-04-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

XXXX was the servicer of my loan, it was sold ( to whom, I do n't really know ) and XXXX became the servicer. XXXX accept my loan modification as '' complete '' but in fact, it had no signed IRS tax transcript request and no signed Dodd Frank certificate. No signed IRS Tax Transcript request, and neither XXXX nor Caliber ever wrote to me to say this form was missing. MY RMA was denied, by Caliber for HAMP and then later, an in house mortgage. Caliber is now asking me to send in everything again. Therefore, they denied an incomplete application.
Consumer complaint received 2015-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I could not pay mortgage on condo unit. The bank sent a Financial Solicitation Package, requesting hardship document, XXXX, income information, etc. After package was sent, I waited. Weeks went by, before i was told a document had expired. I resent document, and waited ; then I was told the case was closed. Finally, after more calls and paper submission, the Modification was denied! I asked for documents to be transferred over for next step in lieu of foreclosure ( Deed in Lieu or short sale ), weeks passed, I was called and asked to resubmit the papers because they could not be reused. I resubmitted the documents. Months later i was told my Deed in lieu was accepted! I had to agree to pay {$700.00} ( not actual amount ) a month for several years & then the bank would take the unit back. The problem with the agreement was 1. The Banks Mortage Assistance Team was only working on XXXX of the loans ( unit has XXXXloans on it ), 2. when i calculated what they were asking for it was exactly what I OWED! ONLY OFFERING ME A LOWER MONTHLY PAYMENT, which was over {$20000.00} dollars. 3. They asked me to send another package to see what they could offer me for the XXXX loan! I could not pay, so i asked for the next step besides foreclosure ; i was then told ; try a short sale. As I was about to work toward the short sale, I received another call from the bank, detailing what I could do before foreclosure. XXXX XXXX stated, i could file for modification, deed n lieu, short sale. I informed her that I filed, refiled, and had waited for almost a year, before i was told everything was denied. She stated, that I could give the property back to the bank. Finally the burden would be over! and it was better than having a short sale denied ( which I was told was a probability ) so I agreed to that, and waited for the papers to be sent. I received, once again, the Financial Solicitation Package! I have worked with XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. This bank has NO integrity towards their customers. They are NOT working to assist the customers in solving MORTGAGE PROBLEMS. THEY ARE NOT HELPING CUSTOMERS TO AVOID FORECLOSURES.
Consumer complaint received 2022-08-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SMS Financial, LLC (FL)

I filed bankruptcy in XXXX - I turned over my keys to mortgage company. I had an 80/20 loan and the 20 is still coming after me. 
They are trying to collect XXXX because of interest accrued!! 
When the debt owed was originally under XXXX - and the 80 % loan never paid them!
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX