davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-01
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 (VA)

Unhappy with the way Capital one is handling disputes, by stating that XXXX is not giving them enough room to help me.It looks like Capital One wants to charge me the amount without looking into the fact, which is costing me more money and time to get my refund, and happening repeatedly. 
On Fri, XX/XX/XXXX I was charged {$990.00} by XXXX XXXX XXXX for fixing coolant leak in my car for First Time. My car is again coming back with same coolant leak issue. Next I went back and I was charged Tue, XX/XX/XXXX was charged for {$510.00} and again the coolant leak is coming back, when I went back for second time XXXX 's initially agreed to fix the issue at no additional cost and told it will be resolved in a day, but they hold my car for extended period of time and charged me additional amount. I have no faith in XXXX 's motor, as they are ripping me off by no fixing my car and trying to make me come back and charge additional money. If Capital one needs second opinion for me to get my refund, then I request Capital one to pay of a professional to diagnose my car and give a written note, as for me my car is the evidence that the car coolant leak is not fixed. 

I filed dispute with capital one for both transaction and Capital one refuses to refund my money, only because XXXX XXXX XXXX send my invoice which hold no weight or proof that my issue is resolved. I only signed the invoice with the garuntee that XXXX 's has resolved my coolant leak, but my coolant is still leaking, I have to top off little coolant every other day and drive my car, which is costing more money as it is. 

Adding to above, during my second visit XXXX XXXX XXXX ill advised me to sell my car, so that I wont have any evidence to prove my case.
Consumer complaint received 2020-08-25
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. (MO)

I have been receiving letters in the mail for a while now about me owing child support money. I'm not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXXXXXX due to a low credit score. I have pulled my credit and I saw two child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report. XXXX XXXX {$100.00} XXXX XXXX {$800.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX {$22000.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXXXXXX XXXX {$740.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX   XXXX {$5800.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXXXXXX {$1500.00} XXXX  XXXX {$3500.00} XXXX XXXX {$1000.00}
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (AK)

I opened XXXX XXXX credit card on XX/XX/XXXX and made a purchase on the same day in the store for which I made the payment same day. I was supposed to get a permanent credit card in my mailbox which I never got and I did not activate the card. I recently pulled my credit report to find delinquency on this credit card. I found that there were payments accumulating on my XXXX XXXX XXXX XXXX but, I never made any purchase with the card after XX/XX/XXXX. As per the company, there is a transaction of {$160.00} made through my card on XX/XX/XXXX. Due to no payments for this transaction, my credit score and credit report are being spoilt. But I never made this purchase as I never activated my card. I figured this recently and filed a complaint with the credit card company on XX/XX/XXXX, but they are taking too long to sort this out. I am unable to do anything without my credit score getting back to originally what it was.
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (PA)

Validated with the lab that my insurance will cover the XXXX XXXX. No Co pay or deductible was requested. 
The lab billed my insurance company, and my insurance company paid out the claim. 
The lab company then proceed to bill an additional {$750.00} for just simple XXXX XXXX. This is outrageous. My credit history is clean, I pay everything on time - always, but I will not be paying for highway robbery. Please remove this from my credit report.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I wrote Equifax on XX/XX/2021, requesting removal of a written off XXXX XXXX account with a {$6.00} that is over XXXX XXXX XXXX, but I did not receive a written reply.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

took payment out of checking they did not have authority to do. mortage was transferred from different lender. last lender paid taxes but current company also paid. changed payment amounts to pay escrow shortage been calling for 3 months got hung up on, and sat on hold for XXXX minutes. they know of over pay but will not change.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX card thats connected to my Bank of America account was pinging my account for charges even though my line of credit with XXXX was still full ( due to a stolen card ). Rather than alert me that this was happening, causing multiple overdrafts, bofa just kept processing these resulting in 15 overdraft fees of {$35.00} each being collected between XX/XX/XXXX and XX/XX/XXXX with charges of fees being well over {$500.00}. When I called on XX/XX/XXXX and not only let them know that this card has been stolen ( and those charges werent even legit, something Im working out with XXXX ), BofA wouldnt remove any fees and claimed to not be able to do anything further bc the fraud department was closed. I had just deposited my months check ( not knowing the extreme negative in my account ) and all the charges left me still in the red and without cash. Again, my issue with XXXX and my stolen card is certainly an issue ( as the charges were in XXXX XXXX and I was in XXXX ) but the actual overdrafts fees imposed by bofa where FAR higher than these fraudulent charges.
Consumer complaint received 2021-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2021, I used the bank ATM to deposit some checks into my checking account at the Chase Bank located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The ATM gave me an error message and then printed out a number that I would need to call. I went inside and the bank teller informed me that they could not do anything and that I would need to call the provided number. When I was finally able to reach and agent they informed me that they would need XXXX weeks to resolve the issue. Once the XXXX weeks passed I called back and the agent on the phone said that they would need another XXXX days and that went on for another XXXX weeks. I went back to the actual bank and the teller that helped me on the day the incident occurred and she gave me a copy of a document that lists out all of the checks that the ATM technician removed to the machine that were not deposited into my account. I once again tried calling the customer service line and the agent told me that they were going to close the case as there was no proof of the incident, even though I have the missing check information with me. It has been more than a month there still is no clear resolution to this issue.
Consumer complaint received 2018-04-02
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. (OH)

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, 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 you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Consumer complaint received 2018-04-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

In XX/XX/XXXX when checking my credit report, I noticed that I had a collection account appear from XXXX XXXX XXXX in the amount of {$6700.00}. I have never received any written communication from Midland regarding this alleged debt. Midland reported the account as opened in XX/XX/XXXX, but I have never opened any account with Midland. It has not been reported on my credit file until XX/XX/XXXX. I disputed the account with XXXX, but that went nowhere and I did not receive any written reason or criteria, etc. I received a letter from Midland stating that my dispute was being investigated but received no follow up. On XX/XX/XXXX, I sent a certified letter to Midland requesting validation of the account ( attached ) which they received per postal records on XX/XX/XXXX. To date, I have not received any communication or validation of my account. I understand that there is a period of 30 days after the first written communication from the creditor in which a consumer can request validation. However, given that I never received a written communication I was never given the opportunity. I only found out about this alleged account when it appeared on my credit file. I want to heavily emphasize I have never received any written communication about this account. I believe this account is invalid, violates the FCRA, and should be removed from my credit file with all three bureaus.
Consumer complaint received 2018-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I have been under review for a loan modification with Mr. Cooper and they kept postponing the sale. Several times I was denied for a loan modification and they always used the wrong income or expenses. Many times they would add more expenses than what I had. Recently I was denied on XX/XX/XXXX and never received the denial letter. I called in on XX/XX/XXXX and spoke with a supervisor named XXXX he said he would reopen the case and did not need to fill out a new application ; I only needed to send updated financial information. I sent updated information and around XX/XX/XXXX they told me that the documents were received. When I called back in they told me that the documents were " not '' received and that I had to fill out a whole new packet and re-apply. XXXX informed me that a new packet was sent out for me to fill out. I didn't understand why this was happening. When I asked about the case that was re-opened and about the financial documents that were sent over I was informed by a Mr. Cooper representative that I would be receiving a letter. So I never received a letter, and I never knew if I was denied or if they just closed the file. I called back and asked for the packet to be sent over and nothing was sent over. I sent a new packet but from Mr. Coopers end they kept saying it was not received. I had sent documents before and never had issues with them receiving paperwork in the past. All of this was going on while I was being told that the sale date was on hold. I had a sale date on XX/XX/2018 but they said it was on hold. So as a homeowner when they tell you it's on hold you think that there is no sale date. What I learned later on is that they reactivate the sale date and they didn't care what happened or what was going on despite the file being under review. They reactivated the sale again without written warning or informing me for XX/XX/XXXX and said my home would sell. I was told to file an emergency chapter XXXX and I but didn't have the money to pay an attorney, or how the process works. I ended up going to the court house on my own at XXXX, I started filling out the documents and since there were a lot of people they filed my bankruptcy after XXXX, this is the time my home went back to Mr. Cooper XXXX When I spoke with the foreclosing attorney they said that usually what happens is that they rescind the sale. After the XXXX I went through they said that the sale won't be rescinded despite filing the bankruptcy. I believe they are engaging in fraudulent and deceptive practices for their own financial gain. That review was left in limbo, I never received a denial letter or was not informed if it was closed. They were pushing me to reapply, when there was already a case that was opened by a supervisor. All they needed was financial information. My home should have never been sold and I should be given another opportunity. Lastly, I was told by the bankruptcy court that I would not lose my home because of the bankruptcy.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Westlake Services, LLC (CA)

They are not reporting my credit at all. They say I only will have credit. W them. Company I bean making payments in time n I still have XXXX credit. For XXXX year already .this company name. Westlake financial services ..they said they can't report. Because. I have itin #. No a ssc
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Fifth Third Bank has canceled and changed my account numerous times. I have been charged a {$11.00} maintenance fee on my account. I have lost thousands of points earned from credit card purchases that suddenly disappeared without any explanation. This has been going on for years and it's asinine. I have been with this bank since I was a child. My mother opened up my first savings account with this bank, at the same branch that I've used my entire life. There is no customer loyalty when I have been loyal to them for my entire life. I'm always having to worry if my money is safe FROM THE BANK when I shouldn't have to be worried at all, that's why I deposit my money there to feel that my money is secure. It's not. It's being slowly taken from me and there's nothing I can do.
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MI)

Dept collection attempt made by " National Credit Systems Inc., in the amount of {$410.00} '' Debt belongs to ex husband. I asked for proof that debt belonged to me. They declined to provide proof and said it was information provided by the leasing company seeking payment. I contacted leasing company and received a copy of the " lease holder modification '' form they have on file stating I left the leases legally and with nothing owed. Employee of the debt collection agency refused to allow me to send a fax or email, stating I could send proof in the mail at cost to myself. 
Also agent stated the " final notice '' I received was the second attempt at contact. The first attempt was confirmed verbally by agent as sent back to sender for wrong address.
Consumer complaint received 2022-08-11
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. (IL)

I called the XXXX, Experian and XXXX after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BB&T CORPORATION (GA)

I have had this account for over 12 years and now I am being told that the mother 's maiden name listed on the account is not what was submitted when the account was opened. my debit cards keep getting blocked and I have to use cash to make purchases and when I call in to get these resolved I get blocked by the mother 's maiden name issue.
Consumer complaint received 2017-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

I have a private loan that has interest of 6 %. During the time that I am in school I am required to make payments on the interest that builds every month. On  XXXX   XXXX     2017 I r eceived a billing statement that said I owed  XXXX  due by  XXXX   XXXX     2017. I  paid this amount on  XXXX   XXXX     2017 wi th the understanding that this amount was the interest that I would owe for the billing period. On  XXXX   XXXX     2017 I   received a billing statement that said I owe  XXXX  due by  XXXX   XXXX     2017.  On  XXXX   XXXX     2017  I called the company. They say that the amount I paid in   XX/XX/XXXX  wa s applied to principal instead of paying off the interest. I was literally told that I should not pay my bill so early. It is to my understanding that the amount that is posted that I owe is my interest payment and will be applied only to interest unless I choose to pay more than the amount on the billing statement. I was also under the impression that it should not matter when I pay my amount due as long as I make the payment before the due date and after receiving the statement. It is specified in my original loan agreement that I will only make interest payments during the time that I am in school unless I choose to do otherwise and that the amount I will be billed for will only be the interest. The money that I am paying each month is not going towards my interest and I am being forced to pay more each month because I am paying my bill before the exact due date. All loans were transferred by   XXXX   XXXX   XXXX   XXXX    to this  new   XXXX   XXXX  company.   Since the loans were transferred I have had nothing but problems and when trying to get them fixed you go through circles calling over and over again with no help from customer service.
Consumer complaint received 2018-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, I was alerted by Bank of America of suspect charges on my credit card. When I checked my pending charges, three stood out as purchases I didn't make. One for a XXXX XXXX, another at a XXXX, and another at an XXXX XXXX. The charges were of the amount of $ XXXX {$100.00} a piece. Bank of America agreed over the phone that the charges were false, canceled my card, and sent me a new one.

Of the three charges, two never got past the 'pending ' stage but one managed to slip by which was from XXXX , the first fraudulent charge to be made. That one was quickly reverse on my statement, I assumed because they didn't catch it in time This week, starting Monday XX/XX/XXXX, the charge from XXXX totaling {$76.00} was placed back on my credit card statement stating that charge was made with my card. 

I called a few times to gain info about why the charge was put back. I wasn't given any info why other than their research showed that my card was present at the time of transaction. Which is impossible I was at home and sleeping off the XXXX that day. 

The lady on the line stated that my card had to have been used as chip card can not be copied. Which is in contrast to was is stated on their website ( screen shot attached ) That day I was at home and was nowhere near where the charges were being made. Since I was at home I have no way of proving that I wasn't in the area. On my second call, I did obtain the old credit card number in case XXXX could look up the transaction and possibly find security footage that proves it wasn't me. I haven't had time to make it to that part of town due to starting a new job this week.
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2018 I bought a mattress for {$600.00} from XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, NY XXXX  ). It was sold by XXXX and her Manager XXXX.

I was offered to have the mattress financed over 12 months at 0 % interest, which I accepted. I was not given more details and was led to believe I was just enrolling in the financing.

Today, XX/XX/XXXX, I opened mail, and received a credit card I NEVER APPLIED FOR. The issuing bank is XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) ( XXXX ). I called the bank to inform them that I never signed up the credit card and to ask which other products they had issued under my name without my permission. They are unable to tell me how many products I have.

When I asked why the issued me a credit card, they said it was XXXX XXXX XXXX fault for not informing me of the deal terms. I then asked to have proof of my signature allowing the issuing bank to create a credit card for me. They placed me on hold and said they will mail it to me within 40 days. 40 days. 40.

I am trying to avoid this affect my credit score and to have it canceled. I would also like to know how many products they issued under my name.