davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Credit card or prepaid 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 (CA)

I called Capital One regarding my Venture Card to understand the rewards program.

I earn 2 points for every dollar spent using the card, straight forward, easy to understand, no issues. 

Where I have the problem is I could not find any information on the point redemption values. I logged into my account on capitalone.com but there is no information listed for the value of my points for cash back, purchases, etc. 

I spoke with several agents on XX/XX/XXXX and they informed me that I need to call in to learn of the redemption point values. I believe this information should be prominently shown on their website ( or terms and conditions in the card agreement ) so all consumers know the value of the reward program. The agent informed me of the following cash redemption values : Cash credit : 100 miles = XXXX cents XXXX purchases : 100 miles = XXXX cents Travel purchases : 100 miles = {$1.00} Previously in XXXX, I used to get cash credit of 100 miles = {$1.00}. I was never informed that my redemption point value changed from {$1.00} to XXXX cents. Capital One changed my reward without notice, and continued to charge an annual fee of {$39.00}. 

Capital one should not hide these point redemption values where customers may be unaware of the value of rewards program. Instead, Capital One should be completely transparent of the point redemption values on their website, T & Cs on card agreement, and all marketing materials.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC. (CA)

XX/XX/2021 deposit {$10000.00} into robinhood investment account to buy currency. at that time, i had {$13000.00} invested in my investment account. because i could immediately use my immediate purchasing power with {$10000.00} deposited, the total value of my investment was {$23000.00}. but after my bank account was stolen that week and my savings failed, on XXXX XX/XX/2021, robinhood sold part of my currency, plus the balance in my investment account, for a total of {$10000.00}! then the use of my investment account was restricted. then i contacted the customer service and tried to solve the problem, but i replied once every 3 days until XX/XX/2021, when robinhood withdraw {$10000.00} from my investment account again, and then my investment account could be used normally. so the problem now is, robinhood overcharged me {$10000.00} from my investment account, which is my personal asset. i have been trying to contact the customer service, but i have not received a good reply. each reply is for different reasons. hope your company can help me! thank you
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ID)

I just simply have been a XXXX XXXX moving around traveling and living at different apartments, and i have like 5 different addresses reporting for myself, the three bureaus have different variations in my name, some have my middle name, some just first and last, and the bureaus have a few different places that i worked on my report still that i no longer work at. 

Id like to get rid of all the variation, have one name, one address, and only include the place of work where i currently am employed.
Consumer complaint received 2022-12-15
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$21000.00} ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (OK)

Mountain Run Solutions , LLC is a predatory collection agency. They were somehow able to purchase a debt that I had already resolved with the original creditor and initiated unfounded collections against me. 

I asked XXXX XXXX a collector with Mountain Run Solutions to get a transcript of my customer service interaction with the original creditor, XXXX, and he refused to provide me with said information. If Mountain Run Solutions , LLC could access the transcript from XXXX that occurred some five years ago they would see that XXXX took no further action on collecting on what XXXX initially claimed was a balance due but then ultimately took no further action to collect. 

I do not have time to deal with being harassed by this unscrupulous collector. Please review my complaint and advise. Please note that I am not alleging criminal activity of any kind but rather a potential abuse of standard collection activities.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX I applied for a LOWEs credit line to purchase a refrigerator and stove. XXXX about {$1700.00} XXXX I was denied and told I would get a letter stating why. 

My letter came XX/XX/XXXX and I was appalled. And, based on this letter, I feel I am being discriminated against because of age, gender, and/or race. 
The letter was from Synchrony Bank. They stated my credit report showed the following : ( credit score XXXX ) XXXX ) No open revolving accounts in my credit file ; This is a blatant LIE. I have had a XXXX Credit Card since XXXX ( in good standing ) XXXX XXXX Delinquent or derogatory status on accounts too recent. Really! If so why doesnt XXXX XXXX XXXX show this?. Only XXXX has this information. 

XXXX XXXX Unpaid Collections Again, why doesnt XXXX XXXX XXXX show this? 

XXXX ) Lack of XXXX  account information : Since when do you have to have XXXX  information. My auto is paid off. This is one reason I feel Im being discriminated against. The age when women didnt drive is over! 

I took this long to write because it has taken me this long to calm down. When you are not truthful with people, and insult their intelligence, dont be surprised how they react. I want this issue investigated immediately. 

In MY opinion, Synchrony Bank and XXXX XXXX  from the same cup!
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (WI)

I sold my house a couple weeks ago with closing on XX/XX/XXXX. The mortgage was with Wells Fargo. I do not currently have any other obligations with Wells Fargo. Even though Wells Fargo received payment in full from title and escrow on XX/XX/XXXX, Wells Fargo lists the mortgage as paid in full but continues to show the payment as " unapplied funds '' and interest continues to accrue on the account. The system shows the principal balance as of XX/XX/XXXX as {$220000.00} and the payment received as {$220000.00}. The system then says " We have received funds that are not sufficient to make a full payment on your loan. If we are automatically withdrawing your payments based on a recurring weekly, bi-weekly, or semi-monthly schedule, your funds remain unapplied until we have received an amount sufficient to make a full monthly payment for you. '' The issue is they have received a full payment. In fact, they have received much more than a full payment ; they've received payment in full of the entire mortgage. Here is where my issue comes in. I made a payment on XX/XX/2021 in an amount of {$1400.00} with {$360.00} going to principal, {$760.00} going to interest, and {$340.00} going to escrow. This means roughly {$24.00} of interest accrues on the loan per day. I have never missed a payment. All payments throughout the life of the mortgage were paid on time. In fact, I made payments early at various times. On the closing settlement statement, it shows interest was paid from escrow to Wells Fargo in the amount of {$720.00} and was paid through XX/XX/2021. Why? The mortgage was paid in full on XX/XX/XXXX. At that moment, the funds should be applied and interest should stop accruing. From XX/XX/XXXX through XX/XX/XXXX, roughly {$98.00} in interest should have accrued. Why am I paying {$720.00} in interest through XX/XX/XXXX? If this is done intentionally to earn extra interest, this seems to be a violation of Dodd-Frank and UDAAP. 

Secondarily, I was also charged {$71.00} at closing for mortgage insurance. Why? The purpose of mortgage insurance is to mitigate the risk of default. At close of escrow and payoff of the mortgage, there is no longer any risk of default. Furthermore, I paid {$35.00} per month for mortgage insurance throughout the life of the mortgage. Why did I pay double that amount in XXXX? Once again, these shenanigans appear to be violations of Dodd-Frank and UDAAP. 

I would like to understand why I am still paying interest on a paid in full loan and why I paid double the mortgage insurance I was scheduled to pay. I would like a refund of the overpayment of both interest and mortgage insurance, as well as any other fees and charges I may have overpaid and are not immediately available from the statements currently available to me. Finally, I would like the CFPB to look at Wells Fargo 's lending practices to determine the scope of harm to other consumers.
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MO)

I requested a refund from the merchant XXXX XXXX XXXX  for their XXXX XXXX annual subscription service of {$1400.00} on XX/XX/XXXX. The purchase was made with a Chime XXXX XXXX card ending in XXXX with a split payment plan of {$720.00} on XX/XX/XXXX and {$720.00} on XX/XX/XXXX transaction, last year. There was a 1-year refund policy. The debit card used to make the purchase last year was disabled and replaced around XX/XX/XXXX, after the purchase. After the refund was requested by XX/XX/XXXX, the merchant processed the refund on XX/XX/XXXX for {$1400.00} to the old debit card which was used to make the purchase last year and provided a confirmation receipt that the refund was complete. The refund of {$1400.00} was still not showing in my Chime Checkings account after 10 business days, so I called CHIME support and the representative said that even though it was an old debit card, its still the same checkings account, so it should have processed through, but he found no refund was pending into my Checkings account, so I filed a claim dispute form enclosing the reference number of the refund from the merchant, along with the refund receipt and the confirmation email from XXXX XXXX XXXX. CHIME BANK refused to credit my account for the missing refund amount and closed the dispute as no error was made. Yet, I still dont have my {$1400.00} e-refund from XXXX XXXX XXXX showing or deposited in my Chime Spending ( Checkings ) account.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (CA)

I received a collection notice from : The collection Firm or Franklin Collection Services, INC XXXX XXXX XXXX, XXXX, MS XXXX, XXXX. Attempting to collect on an aged satisfied balance account with XXXX XXXX XXXX.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: N.A.R., Inc. (CO)

I do not know who this company is, weve received no correspondence from them. They contacted our neighbors to verify where we live. They obviously know where we live, so calling our neighbors and disclosing financial issues to them is harassing and meant to shame us. Ive tried calling them back multiple times but they do not answer.
Consumer complaint received 2021-04-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (CA)

I am sending this complaint because I am very concerned. There is a 60 days late remark reported on my account on XX/XX/XXXX. I want to explain what really happened. There was a third-party company that committed a big mistake. I want to emphasize that I had more than enough funds to make the payment. 

I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. When I realized that the payment was not completed, I immediately made the payment and now I have a perfect record of on time payments. 

What really happened : This company mistakenly debited my XXXX XXXX account twice for my XXXX Mortgage account on XX/XX/XXXX for two payments of {$820.00} and the Carmax payment of {$590.00}. In total, they were supposed to pay {$1400.00}. This was the reason why my Carmax payment was not completed. I had to contact XXXX directly to get the payments reversed! 

I am requesting an adjustment of this late remark and get it corrected or reported as no data. This situation is killing my credit score and I am not able to get a home. This was a situation that I could not control. 

I have never been late on my account. I hope I can get a positive response from your company. 

Account information : Account name : Carmax Auto Finance Account number : XXXX Date Open : XXXX XXXX Thank you.
Consumer complaint received 2021-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Discovered that XXXX does not report late payment greater than 30 days and that they only report greater than 90 days. On XX/XX/XXXX, according to agent XXXX XXXX with agent number of XXXX, he stated that my loans went out of deferment and the first loan payment was due XX/XX/XXXX, over 6 months later. Credit reporting agencies show that the loan was reported as " ok '' from XX/XX/XXXX thru XX/XX/XXXX. According to their records, they did not start reporting late until XX/XX/XXXX. I was not notified of loan coming out of deferrement status and in turn the loan has late payments from XX/XX/XXXX thru XX/XX/XXXX due to the false reporting of XXXX. They reported my loan as " ok '' from XX/XX/XXXX thru XX/XX/XXXX, when it was in reality in default. The loan has since been sold to XXXX and they are refusing to edit their false reporting of payments to all three credit bureaus. I have also included a deferment approval letter stating that my loan payments were never due. XXXX never communicated with me to notify me of loan payments being due.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NY)

I deposited a check they cleared check against my own funds not the company the check came from & it turned out the check was fake and when I called them asking why would they clear a check it the funds didnt come from company I was told I was a client with them for years and I told them I asked if it cleared through company XXXX XXXX XXXX XXXX was told yes which was untrue again cleared against my own funds & I lost {$4000.00}. And was told by Chase bank theres nothing they can do, I should call company they may give me back my money & I told them do you hear what youre telling me? Call company to see if they would pay me on a fake check. And all they did was say sorry nothing they can do. Now Im out {$4000.00} because they cleared a check against my own money not company the check came from after they cleared the check
Consumer complaint received 2021-12-01
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. (TN)

I submitted a complaint via this system in the summer. Transunion was supposed to be looking into the issue ( their previous reply is attached to the complaint from XXXX ). The inquires are still there. There is inaccurate information reporting on my account. I have been a victim of identity theft multiple times. Most recently a fraudulent credit repair service used my information to gain credit and created inquires.
Consumer complaint received 2024-02-11
Product: Credit 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 (AR)

We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in On XXXX this company was in receipt of a letter or request to rescind the agreement under the truth in lending act for failing to comply with the consumers request, misrepresentation, fraud, and breach of a legally unenforceable agreement with tracking number XXXX. This company continues to blatantly disregard the issues contained in the letter and breach a fiduciary duty. The agreement lacked consideration therefore making it legally unenforceable under Arkansas XXXX XXXX Contract Formation, Arkansas Code XXXX ) Engaging in any other unconscionable, false, or deceptive act or practice in business, commerce, ( this company was informed the credit extended or granted was provided by the consumer social security card or number, which was misrepresented on the agreement. This company is also engaging in unjust enrichment assessing interest fees on money, credit, that was never loaned due to fractional reserve lending preserved by all banks constituting all banks only create money and obligations. Therefore the consumer only pledged the legally unenforceable agreement and this company should be held liable for their actions.
Consumer complaint received 2022-10-14
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

I've submitted several letters to Experian about the following accounts on my credit report that are in violation. These accounts continue to report late payments on accounts that have been closed and or charged off for several years. Experian continues to ignore my disputes and suggest that these accounts are accurate and meet FCRA/FDCPA reporting laws despite me submitting evidence that clearly shows that these accounts contain multiple violations. 
The following accounts contain FCRA and or FDCPA Violations. I have also, once again attached proof of the following violations 1 XXXX XXXX XXXX XXXX ACCOUNT # XXXX This account continues to report late payments after the account was closed 2. XXXX XXXX XXXX Account # XXXX This account also continues to report late payments after the account was closed 3. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after it was closed 4. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after the account was closed 5. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after the account was closed