davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (RI)

I was notified on XX/XX/XXXX by mail that my escrow account is in the negative and i owed them {$5300.00} also my mortgage would be going up starting XX/XX/XXXX. I called starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX several times to get a explanation on why my account is in the negative and i was told several different things by 2 different supervisors but no one was completely sure, they asked me to send an email to your department at that time i refused because i wanted to talk to someone in person about this matter, i was then told by both supervisors that my concerns were escalated to the escrow department and someone would be contacting me within 5 business days. Today is XX/XX/XXXX and i have not received a answer yet on why my escrow account is in the negative. Today is XX/XX/XXXX and no one has emailed or called me. I was promised by 2 female supervisors and one male supervisor named XXXX that they would personaly call me back and no one has contacted me at all. I will be sending additional complaints to the necessary over seeing authorities. Because they mismanage servicing and are very evasive to their customers by not returning calls with concerns about what they sent to you and not allowing you to speak directly to the necessary department you call them for, And as i looked at complaints on many websites this issue has been going on for a long time.
Consumer complaint received 2024-02-26
Product: Credit 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 (NY)

A charge was made to purchase concert tickets by my daughter on her cell phone using my credit card. The tickets were roughly {$440.00} a piece. We were purchasing two tickets. As the confirmation was done on my daughters phone, a disclosure of the fees charged from this company was not given. I didnt see the total price until I received a message from capital one asking if I made the charge. For the initial instant I replied Y and then immediately replied N realizing that the two ticks that should have cost {$880.00} plus reasonable fees was charging {$1100.00}. I called my capitol one credit card IMMEDIATELY to stop the purchase and this became an ongoing dispute. First they said I had to wait until the charge came out of the pending status. Capital One put a hold on the charge after it came out of pending. The day before the concert the company emailed the tickets to my email. The tickets you didnt want at that price to begin with. Then an hour before the concert the company took back the tickets because there was a hold on the charge. I had to repurchase tickets at the box office for another {$680.00}, However, Capital One is now upholding the charge for the tickets we never got.
Consumer complaint received 2020-06-28
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. (MO)

My identity has been compromised via the dark web, Equifax breach and the lost of my wallet. However, after properly reporting this unknown activity, I was also victimized by the 3 major credit reporting agencies by leaving by not honring my first request. Responding that accounts been verified, however As a general rule of law electronic verification can not be accepted as proof. Please remove and block the following accounts. 

1. XXXX  {$1100.00} 2. XXXX XXXX XXXX {$680.00} 3. XXXX XXXX 4. US Dept of Education {$6000.00} 5. US Dept of Education {$3500.00} 6. US Dept of Education {$3500.00} 7. US Dept of Education {$6000.00} 8. XXXX formerly XXXX
Consumer complaint received 2016-04-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

Portfolio Recovery Associates ( PRA ) has paid out millions in the past for violation against consumer 's on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This is a fact that can be backed up by going into www.ftc.org website. Portfolio Recovery Associates ( PRA ) is in violation of my rights under both law as well. They are reporting a debt that they claim was acquired from XXXX XXXX Account # XXXX. XXXX XXXX stated in XXXX XXXX credit bureaus that the account was sold to Portfolio Recovery Associates, however there was never a legal notice of transfer by assignment rights of the debt, a strict requirement under FTC guidelines, FTC v. Portfolio Recovery Associates ( XXXX ). XXXX XXXX admitted that the initial first late payment was XXXX XXXX. Accordingly, XXXX XXXX, based upon the 7-year rule FCRA has deleted the above referenced account. Portfolio Recovery Associates ( PRA ) by extension from XXXX XXXX has without question the very same timeline on removal of the debt. The debt is no longer enforceable under collection guidelines within the state of New Hampshire. The evidence that Portfolio Recovery Associates does request has already been submitted, showing the legal timeline for removal, the connection to XXXX, and the deletion of all XXXX XXXX accounts across the board with all pertinent credit reporting agencies. XXXX did through its own internal investigation remove all XXXX XXXX accounts and the collection of PRA. Portfolio Recovery Associates ( PRA ) sent to me copies of invoices dating back to XXXX, and this was a major waste of time. The reported timeline on my credit reports by XXXX XXXX is the only item necessary to validate the removal date of the original account and any extension to a collection agency. PRA compliance people need to go back to school to fully understand the meaning of the term 7-year rule on the elimination of obsolete negative information. I demand my file purged and that the Federal Trade Commission through the Consumer Financial Protection Bureau sanction PRA for trying to re-age a debt already proven obsolete by XXXX XXXX and XXXX major credit bureau, XXXX. PRA needs once again be penalized for ongoing violations of FCRA and FDCPA against American consumers.
Consumer complaint received 2020-10-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (FL)

In XX/XX/2019 I purchased a set of 4 XXXX tires which came with a {$50.00} Reward Cash in the form of a debit card. A copy of the card displaying both sides is attached for your review. The card has since expired as it was not activated are used in a timely manner. However, due to the recent epidemic in which Federal mandates limited social interaction for almost eight months and placed families in financial hardships and burdens. How can the bank or financial institution affiliated with XXXX XXXX XXXX   XXXX deny or refuse to replenish monies promised that was never used but was budgeted? 
In speaking with the XXXX XXXX  reward customer service representative, the attitude was that their bank was not or will not reissue a replacement card and that they are sorry but you failed to use the card so you lose. 
XXXX XXXX  reward center showed no empathy for the consumer and its unfortunate that such a large conglomerated can dismiss and abuse their clientele without repercussions other than me boycotting their product line and socially bringing awareness to consumers.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (GA)

My Lender refuses to sign and send my vendor payment for the insurance work completed. My Lender did an inspection and closed out the file but my Vendor still has not been paid or received the check. My XXXX XXXX maid it out to the XXXX and that's why its been such a process. The work was done over a year ago and my Lender still wont hand over the money my XXXX XXXX paid for. I don't know what else to do. My Vendor of course is threatening to file a Lien on my house and this isn't my fault. I don't know what else to do. They got in the way and have sat on the check now for months. They did their inspection ( the Lender ) and they said they were good. Now they want to to sign something to avoid Lien costs but the Lien is because they are sitting on the check. What do I do?
Consumer complaint received 2021-11-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Upon reviewing my credit report after receiving an alert. PORTFOLIO RECOVERY placed three ( 3 ) collection accounts on my credit report. PORTFOLIO RECOVERY violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute or request validation. I NEVER received any communication regarding this alleged debt. Not only did PORTFOLIO RECOVERY violated my rights, PORTFOLIO RECOVERY also violated 15 USC 1692e by reporting illegal debt that is not within the of the Statue of Limitation.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MN)

On XX/XX/2019 my bill did not go through when it was on auto-bill.I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (SC)

It says I was late or but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

un-authorized inquiries 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 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 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not have a contract with XXXX XXXX XXXX XXXX. They are furnishing false and inaccurate data to the Transunion, and XXXX. My dispute with XXXX on XX/XX/, 2018 resulted in the inaccurate, false reported information by XXXX XXXX XXXX XXXX being removed. However its still is being reported at XXXX and Transunion.
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I disputed this with the company directly and I never got a response from them every time I call so they can correct it they dont. The problem is from their end because they were not taking payments from my bank account. They were taking it a week after my due date.
Consumer complaint received 2024-02-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I received a Vanilla gift card with a balance of {$500.00}. I have been unable to use this card since receiving it in late XXXX as the 3 digit security code had been scratched off. My understanding is that is a typical scam and others are currently suing regarding this issue and the lack of protections. 

I started a claim through their process on XX/XX/2024. I was told by customer service to send in all relevant documentation available which I did on XX/XX/2024. I instructed the customer service agent that I did not have a receipt ( as it was a gift ) and they told me that would be fine so long as I submitted everything else ( ID, Visa Card, and packaging ). I was told to wait 30 days. 

After 30 days of no update I called again in early XXXX. It was " escalated '' and I would receive an update within 7 days. 

After more than 3 weeks I called again. I was told it would be " escalated '' again and I'd receive a response within 45-90 days. 

I just want my funds. I have wasted countless hours trying to navigate their customer service phone tree and calling them back time and time again.
Consumer complaint received 2021-11-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One, XXXX did not contact me until my card had already been maxed out and then I tried to tell them my identity had been stolen and they never did verify the debt. I just wish some one would have let me know that this was happening before it got to be such a huge issue.
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (NY)

My debit card was stolen from a restaurant/bar in XXXX and the suspect spent almost {$600.00} before I noticed and cancelled the card. Their purchases also caused my account to go negative. M & T credit the money back to me and now after their investigation they advised they are taking the money back out my account on XXXX. After. Multiple calls and associated they told me it was denied because suspects do n't usually steal cards and go use them at gas stations and car washes and XXXX XXXX Department store. I asked multiple times to speak to someone who could help me and there has to be some way I can fight this because if a proper investigation was done, it would show it was n't me using the card. I work hard for my income and am a single mother of twins. Taking this money from me was devestatipng enough to have to work with for the two weeks it took them to refund it and now to take it again is wrong. This is my hard earned money. I 've been a customer for years with that bank and have never been through this before. The fact that XXXX different reps just all said well it is what it is without any real help is not right. To say that the area where the card was used are places I have used before as a reason to deny is not acceptable. Of course when a card is stolen from the area you live in they 're going to use it at the same places. XXXX is not that big! The fact that I 've been in tears for two days and have had to repeat my story repeatedly to the different reps who all say the same thing " sorry claim was denied there 's nothing else to do '' is so demeaning. This money being taken means either my children wo n't eat or our rent will not get paid. I just do n't understand how a company that prides themself on customer service could treat me this way.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CCS Financial Services, Inc. (AR)

I do n't know how they got my cell number. I told them would deal onlybwith the original company and to stop harassing me. They called again after sending the do not contact messsage and told them I would report them. They have contacted people whose is of no concern my business.
Consumer complaint received 2022-09-29
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. (NC)

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 2021-11-01
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: SUNRISE CREDIT SERVICES, INC (DC)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, DC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX 3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX Account Number : XXXX Please remove it from my credit report. 

8. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not have a contract with XXXX XXXX XXXX ( XXXX ) .They are furnishing false and inaccurate data to Transunion . My dispute with XXXX on XX/XX/, 2020 resulted in the inaccurate, false reported information by deleted and removed from.my report.. However its still is being reported at Transunion.
Consumer complaint received 2024-02-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AK)

I am writing today about the issues I have experienced with Vanilla Gift Visa cards. My XXXX children each received a {$100.00} vanilla gift card for XXXX from their Great Grandmother in the mail. When we went to activate these cards there was an error with their online system. So I called them and spoke with customer service on XX/XX/XXXX. At which time they told me that the XXXX cards had been locked and so they would send me XXXX replacements for these locked cards. I received these replacement cards in late XXXX, but when they arrived they all had stamped on them {$0.00} as the balance. I tried to activate them anyways thinking that might have just been a printing error, it was not. So I took the day off on XX/XX/XXXX so I could call customer service to get this error fixed, and I spent hours on the phone that day being transferred around and to no avail. They told me they needed pictures of each card front and back but refused to provide the email address of where exactly to send this request ( which seemed absurd anyways because they know what card numbers they mailed to me as replacements ). Even so, I was trying to work with them and do what was needed to resolve the problem, but I was transferred to another department that lied to me by telling me they transferred my call to a completely different company called XXXX and could not help me nor could they transfer me back. It wasnt until I pointed out that thats not how phone systems work they cant transfer me to a whole different company with an extension and I also pointed out that they all had the same exact hold music. Only XXXX song played over and over and when I pointed that fact out she decided she could in fact transfer me back to the XXXX side. Every request for help was met with lies and misinformation they are trying to attempt to get me to drop the whole situation and forget about the fact that my grandmother spent her fixed income on these gift cards for her great grandchildren for a XXXX present. This issue was never resolved due to the last person I spoke with informed me that they would be needing documentation ( pictures of cards THEY sent me as replacements ) to be emailed but when I asked for the XXXX  time what email to send that to he pretended the connection was bad and hung up on me. Im tired and frustrated with this company. I have wasted my time and they have stolen money from an elderly lady. I need help resolving this issue because the way their customer service works is they try to wear you down until you just cant put any more energy into trying to resolve the problem and give up.