davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I am disgusted and disappointed by my experience with the Capital One Venture X credit card. I would like to point out that the annual fee for this card is XXXX XXXX dollars. I lost my purse in XXXX of this year. I had several credit and debit cards that were lost from various companies, all of which were swiftly replaced with the exception of my Venture X card. I spent over two months and many hours on the phone being told my replacement card was on its way. During this time, I had my card anniversary and they pulled out my annual {$400.00} fee. After MONTHS and HOURS of calling in they finally told me they have no way to deliver the card to my mailing address. While disappointed, I realized there was nothing I could do and requested they refund the annual fee, allow me to cash out my points, and then help me cancel the card as they couldn't mail me a replacement. Normally if you cancel the card within a couple months of the anniversary without using it you can get a refund on the annual fee. We missed this deadline by a few days as it was not my original intent to cancel my card -- I simply wanted it replaced. Again, several other companies had no problem using my address to send me replacement cards. I assumed since this was a Captial One issue and they had strung me along for two months at this point that my request for a refund would be honored. If they had just told me on the first phone call they couldn't mail a replacement card to my address, I could have cancelled my card and avoided the annual fee or cancelled it within the window to get a full refund. After speaking with multiple managers I was told the only way to recoup my fee was to spend the rewards. I proceeded to try to do that and their booking portal sent me to a hotel THAT DID NOT EXIST causing me to have to find another hotel at double the price at XXXXXXXX XXXX I tried again to resolve this with management today and they told me there's nothing they can do. This is total fraud.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I opened new checking and savings accounts because Chase sent me an email about the promotion for bonus. I then transferred my money from XXXX different bank accounts under my name to Chase. I also deposited XXXX check written by my mom. And then they locked my account and held my fund. This is ridiculous because the money would have been perfectly in safe accounts in my other banks if I had not moved them to Chase because of their promotion. And now they refused to release my money which is legally my money! 

When asking if they think the deposited check was having issue, why didn't they refuse the check? They now took the money from my mom 's account and held it as theirs! 
This is a scam for such a bank.
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: bitFlyer USA, Inc. (OR)

On XX/XX/year>, BitFlyer approved a transfer of my funds ( XXXX USD and XXXX ETH ) to an entity that was known to be a scam site and not a valid bank as expected. 

XX/XX/year>, BitFlyer approved a transfer of my funds ( XXXX USD and XXXX ETH ) to the same entity that was known to be a scam site and not a valid bank as expected. 

XX/XX/year>, BitFlyer approved a transfer of my funds ( XXXX USD and XXXX ETH ) to the same entity that was known to be a scam site and not a valid bank as expected.
Consumer complaint received 2021-01-14
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)

XXXX XXXX XXXX balance {$3700.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXX XXXX XXXX balance {$2600.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX balance {$850.00} - Account is reporting inconsistent and inaccurate, please delete this account. 

XXXX XXXX XXXX balance {$1800.00} - This account has been paid, please remove Immediately. 

XXXX XXXX XXXX balance {$3300.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account. 

XXXX XXXX XXXX XXXX balance {$460.00} - Delete this Unknown account unless you can provide me with proof of a contract with my signature. 

XXXX XXXX XXXX XXXX balance {$2600.00} - Reporting unknown which means it's incomplete, please delete this account. 

XXXX XXXX XXXX balance {$900.00} - Delete this unverified and inaccurate account. 

XXXX XXXX XXXX balance {$850.00} - This account has several violations : You are reporting a re-aged open date, Reporting a past due amount on collection account, and a incorrect Date of last activity. Please delete for violations. 

XXXX XXXX XXXX balance {$780.00} - This account was transferred to another collection company you are reporting this duplicate account. 

XXXX XXXX XXXX balance {$740.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX balance {$1300.00} Account is reporting inconsistencies and inaccuracies. Open Dates are showing different dates at each bureau. 

XXXX XXXX XXXX balance {$5300.00} - This account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX/XXXX  XXXX balance {$1400.00} Charge off - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report.
Consumer complaint received 2020-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Former Human Resources Manager, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.
Consumer complaint received 2021-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a Federally Protected Consumer. According to USC 1681a Congress makes the following findings in regards to the accuracy and fairness of credit reporting. 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please see the attached.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This company has reported late payments for XXXX and XXXX of 2020, both stating 30 days late. The payments were late but NOT 30 days. The 1st payment on the account was due on XX/XX/2020 in the amount of {$15.00} and payment of {$15.00} shows cleared through their app on XX/XX/2020. That is not 30 days late. 2nd payment was due on XX/XX/2020 {$0.00}. It has not even been 30 days since this due date. {$5.00} was paid and cleared on XX/XX/2020, {$15.00} has been paid XX/XX/2020, and {$5.00} was paid on XX/XX/2020 as well. None of these payments are 30 days late. This company is ruining the work I have done on my credit and I want it fixed! 

They are also attempting to take money out of my account although it states that {$0.00} is currently due. 

I have attempted to reach out to this company by phone and email and have received no response.
Consumer complaint received 2021-01-14
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)

Former XXXX XXXX XXXX, Captured My Employee Personnel File ; And, Applied For Credit Via -- -- -- -- -- -- -- -- -- FRAUD AND ONLINE APPLICATIONS. All 3 ( THREE ) Credit Reporting Agencies, Are Reporting Incorrect Information Upon My Credit Profiles.
Consumer complaint received 2021-01-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Western Mercantile Agency, Inc (OR)

Western Mercantile located in XXXX XXXX, Oregon XX/XX/2021. The phone representative told me I have 3 unpaid accounts with XXXX XXXX Hospital. I said ok how much? She told me I owed {$1000.00}. So I gave her my debit card information and paid in full. Which the funds were immediately taken from my checking account. I asked for a receipt and detailed invoice including account numbers and a receipt for funds paid. She refused. I then asked to speak to her manager. I got the owner instead. The owner stated to me she couldn't send me a receipt because the funds need to process. Huh? It was directly taken out of my account while on the phone. I asked for a receipt on letter head. If she can just type that out and mail it to me. She refused. She told me that it was against their company policy to mail receipt and invoices. I am going to dispute payment with my bank. This business is a scam. They didn't even offer me a dispute resolution. Just took my money and refused to give me a receipt. After I told her she was practicing her collection business illegally. She said you can send me a self addressed stamped envelope. She would get it to me if she had the information. Which wouldn't be available till 10 business days. I told her you stole my money on false pretenses. Asking for a detailed receipt of payment on 3 separate accounts is not unreasonable. She refused yelled at me and hung up. This business needs to be shut down. I was litterly robbed. Just robbed and treated like junk. All I did was ask for a detailed invoice and receipt of money paid.
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TN)

Notice of Sale Postponement was received date XXXX from foreclosure attorney XXXX XXXX XXXX XXXX XXXX, XXXX PHH mortgage sent the Trial 3 payment modification plan with our 1st payment starting XXXX. We have made the trial payments and recently received property foreclosure letter. We have done what PHH required of us to keep our home.
Consumer complaint received 2023-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-01-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

XX/XX/XXXX LoanCare, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX charged our escrow account {$430.00} for our homeowner 's insurance premium, but they sent the payment to the wrong company. 

XXXX, XXXX we received a notice of cancellation from our insurance company ( XXXX XXXX ), so we contacted LoanCare to determine why they had not been paid. LoanCare identified the error they made, but they charged our escrow account a second time to send the payment to the correct company. Our escrow account is now short and our payment will increase by nearly {$45.00} on XX/XX/XXXX. 

We received a letter from LoanCare dated XX/XX/XXXX stating that the first company that incorrectly received the insurance payment had mailed the refund check payable to us, and we were instructed to mail it to LoanCare as soon as we received it, and by XX/XX/XXXX we have not received the refund. 

We have no idea who LoanCare sent the first payment to so we don't know who to contact to try to discover where our refund is. Additionally, we are unable to reach a human being at LoanCare to ask them to refund one of the insurance payments while they work on getting the refund back. We've called LoanCare, but the recorded message states that the call volume is too high, so we left our name and number, but no one has returned our call. 

Basically, LoanCare has stolen {$430.00} from our escrow account and refuses to refund our money, and now we will be punished a second time by having to make up the shortage in our escrow account by paying an additional {$45.00} in our mortgage payment.
Consumer complaint received 2020-03-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

Have written via experian and direct conversation that i do not owe anything for any of these services they refuse to remove it from my credit and have not provided me with an original contract or wet signature of why this debt is owed CALIFORNIA BUSINESS Contact XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF NEW YORK MELLON CORPORATION, THE (MD)

Dear CFPB, I have a Health Saving Account ( HSA ) with Bank of New York Mellon ( my account ends in XXXX ). These are federally administered accounts. There should be NO monthly fees on this account. For the past 10 years, Bank of New York Mellon has been charging me and other millions of Americans almost {$5.00} per month. This is fraud. Please contact this bank and ask them to stop this and they should refund this monthly fees.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Progrexion Holdings, Inc. (NJ)

The company, creditrepair.com, charged me {$69.00} per month with the promise of improving my credit score. However, they failed to deliver the services they advertised. In fact, they did not take any meaningful action to help me increase my credit score. I recently received a letter from the Consumer Financial Protection Bureau stating that they have closed their filing against the company in XX/XX/2023. 

Due to the company 's failure to provide the services promised, I requested a refund for the amount I paid. However, the company rejected my request. I have attached a letter that clearly shows their lack of action and failure to provide the promised services. It is only fair that I receive a refund for the services that were not delivered as promised. 

My account email is XXXX XXXX
Consumer complaint received 2023-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I enrolled into XXXX XXXX however Ive never attended none of the classes .I failed to withdraw from the classes due to me failing to withdraw from the classes I ended up with an outstanding balance of {$980.00} fir failing to withdraw a class I never attended. I ended up paying the bill and a negative mark was left on my credit .Due to section 15 usc 1681N.
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (MD)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX DPT EDXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC (TX)

I saw a collection account from G C Services in my credit report. Was not given any written notice about this account prior. I called them and they said it was an account with XXXX. I told them I do not owe XXXX any money and proceeded to dispute the account. They sent me a letter dated XX/XX/2023 stating that they had contacted their client and that the debt was confirmed. This service was never used by me because they violated the agreement I had with them on the service. When I called XXXX to renew my internet service, the representative offered me a promotion which included internet and cellphone service. The said promotion was to have internet service for {$50.00} per month and unlimited text, call and data service for XXXX per month with a total of {$62.00} tax inclusive. And was told I will receive one bill. I was sent a contract link to my phone, which I reviewed and approved. The next thing I new I was being billed separate and much more than what was agreed upon. I called customer service to try to resolve that and was told that I have to pay what I was billed. I asked to speak to a supervisor and she told me the same. I asked her for a copy of the contract I signed and she told me there was no contract. I then told her that I had not business with them. I never used the service for one day. I only agreed to it because of the cheaper bill. I expressed to the rep that I did not need an additional phone. A couple of weeks later I called again, and he lady I spoke to expressed the same as the others. I asked her for the contract, she seemed like she was going to send it and then told me she couldn't. I told her like the other that they should cancel my service all together with XXXX. Even after the internet cancelled my service, the mobile service kept sending me bills that varied.
Consumer complaint received 2021-01-14
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. (FL)

Id theft victim. just checked my credit and found this these accounts are not mine XXXX XXXX XXXX  XXXX XXXX $ and XXXX $ XXXX XXXX XXXX {$22000.00} U S DEPT OF EDXXXX {$1700.00} U S DEPT OF EDXXXX {$3900.00} XXXX {$440.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$140.00}
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Genesis Lending (SC)

I can't close my XXXX  XXXX  because the customer service line does not authenticate my information and provides no other recourse. This card has a annual fee of {$99.00} which I will be charged soon. 

Specifically it is a automatic system that asks for your 16 digit account number and then the last 4 of your social security number. The system does not accept my information and the company does not provide any other means to contact them other then by postal mail or fax. 

XXXX XXXX XXXX
Consumer complaint received 2021-03-11
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: DriveTime (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX XXXX XX/XX/2021, DT CREDIT Inquired on XX/XX/2021. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-01-13
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: NAVY FEDERAL CREDIT UNION (TX)

navy cr card sent out offer XXXX it said creditworthiness will be base on apr, not getting card, when you apply you get told no cars will be issue