davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Kohl 's allowed for a credit card/charge account to be opened in my name and under my social security number. When I contacted Kohl 's they refused to help me and told me that I should pay the bill. I told them that not only did I not open the account that the charges that they were trying to get me to pay were fraudulent. I did not open this account, I did not authorize this account to be opened in my name. This is a fraudulent matter and Kohl 's has started sending me threatening letters, and calling my phone constantly trying to get me to pay for a balance that was charged on the account that they allowed to be opened fraudulently and each time I try to relay this information to them they refuse to assist me. They are now violating my rights by reporting this fraudulent account against my credit bureaus, and they are trying to collect money from me by using abusive tactics for a debt they have been told was fraudulent. The following account was opened in my name fraudulently : Account XXXX This is fraud and should have never been opened.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Requested validation of debt from credit reporting agency on tax lien by Recorder of Deeds. Received letter back from Equifax stating " satisfied/released ''. But was not removed from credit report.
Consumer complaint received 2024-03-16
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I purchased a TV with bestbuy store credit card. Within 30 days tv was malfunctioning. Contacted customer service & they tried to walk me through getting the TV to turn back on. They never once offered or informed me of purchase protection plans. A little while goes by, more malfunctioning, contacted cs again. Bestbuy tells me to contact manufacturer because its no longer under warranty through them and that i shouldve purchased a protection plan ( that they never offered ) and it sounded like a software issue. Contact manufacturer and they tell me to contact XXXX bc it's a XXXX XXXX so they're in charge of software. So I contact XXXX and they tell me to contact bestbuy. All the while tv is still malfunctioning and less than 1 yr old, shutting off on its own, not turning on about 1/3 of the time, remote only works intermittently even with new batteries, etc. I make a complaint through the best buy credit card company ( citi ) and they " invesigate '' and say that there's no protection against buying a faulty tv and that I should've gotten protection plan. So i received a letter from citi saying they were investigating issue and no payment was due on that purchase until they reached decision. in the meantime my gf and i were experiencing some major life events and trying to juggle too much. We didn't make that months payment but then the following month called and scheduled a payment that would be made prior to the due date and they agreed to waive the late fees seeing as dealing with major life events could reasonably cause missing a cc payment and told me to contact credit bureaus to have them remove the late payment... .which was also a lie come to find out. The following month they reported the early payment as late to credit bureaus AGAIN even though it was early, charged more late fees and said I didn't make payment so now my new monthly payment is almost {$200.00} freaking dollars. I'm XXXX and live on ssi. We already had unexpected expenses with the major life altering events and now they want to make it to where we can't ever get ahead on payments with their lies. Also causing credit score to drop over 50 points ruining my chances of getting a balance transfer card to get away from these lying scam artists!
Consumer complaint received 2021-09-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Home American Mortgage Corp (MD)

As we were working out a mortgage with Mr. XXXX we opted to do an extended rate lock with a one time chance to opt into the open market rates within 60 days of closing. When the time came to lock in the rate, mr. XXXX did not present us with the open market rate ( which we found out after the fact was 3 % ) and opted instead to strongly push us towards the floated rate lock. The Floated rate lock was 3.5 % and we opted to purchase points to lower to 3.375. The problem is that he did not communicate in any form or fashion the open market rates and when I confronted him about it his response was that those are their interest rates which was not true. Once we had exercised the float he became much more transparent after I called him and his manager, XXXX. I tried to resolve this dispute with both of them and was eventually told that the Company committed no wrongdoing and the rates will be left as is. 

This should not have happened. XXXX first and foremost duty is to keep us informed. A complete picture needed to be painted prior to us being hurried into a decision. No one should treat their clients like this. If they are right and there truly is no wrongdoing then that means every single person in the United States needs to be an expert in mortgages or else they will be abused in this manner. We were mislead from the start which is not how an honorable business should be run. I lost XXXX USD and got a much higher rate than the open market.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I disputed a collection with Equifax several times in the past year. The collection agency is XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with Equifax several times in the last few years. Every times it comes back as verified by Equifax. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor , XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both Equifax and XXXX XXXX XXXX That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

XXXX  hired Sourc e Receivables Management to c ollect money from an account that was past due and they tried to threaten me with harming my credit and suing me if i did not pay even though i never ever had an account with  XXXX  and was not the person that owed the money I called  XXXX  twice to have them fix this problem and on the second call i was notified that the dept collector was notified on  XXXX   XXXX  to stop calling me and to cease and desist any dept collection from me today is the  XXXX  of  XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (AL)

Starting in XX/XX/XXXXXXXX, I consolidated all my loans to one payment. The consolidated company I use was XXXX XXXX  they have all my student loans balance. 
In XXXX XXXX my loan was XXXX in all and transferred to Nelnet. 
In XXXX XXXX XXXX XXXX assist me with the PSL program and that's when my loan transfered to XXXX. 
The end of XXXX was time to recertification for PSL, and income driven payment. 
I was late turning it in trying to use the self service portal, so I end up calling the Department of education to see if I can be approved for a payment plan until my income driven plan kicks in. That's when the representative said she can defer me and I will not have to make a payment for XXXX. She said the payment plan will kick in XXXX. She stated I can call and remove it with out it affecting the payment plan. I check my credit again in XXXX I noticed an extra XXXX on my credit report with both companies still with the account open. I call Nelnet it says no account available with that name. XXXX says Nelnet has to close the account with the creditor because XXXX is over the loan now and that's considered duplicates.
Consumer complaint received 2021-03-24
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: Mr. Cooper Group Inc. (IL)

On XXXX, XX/XX/2020 at XXXX XXXX you send me an email about my forbearance plan that ending soon. 
It confirms that we had a forbearance plan during the COVID-19 pandemic. Why are there late payments on my credit report during that plan you offered? I attached credit report for your review.
Consumer complaint received 2024-03-20
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: Bread Financial Holdings, Inc. (TX)

I have been reviewing my statements over the last year for taxes, and noticed a charge for " XXXX XXXX Texas XXXX XXXX XXXX TX '' for {$550.00} on XX/XX/year>. I have never heard of this retailer before, so I XXXX  the exact name as listed and the only results are for " the best shopping in my area '' ; there is no " expanded '' information available that would depictg a phone or merchant ID or any other identifying number, so I can't verify that this is my purchase ( and it is a very similar amount to the amount I DID spend at a verified retailer, so I'm worried we were double-charged somehow as the difference is {$6.00} and one business day ). When I called XXXX  XXXX customer service, they verified that I was the legitimate account owner, and verified that the information the show in the history for that date is the same as what I show, but they refused to release an alternate trade name/DBA, merchant ID #, phone number, or any other information that I could use to identify WHO it was that charged my card. There is no known retailer locally that I am aware of that uses the trade name " XXXX XXXX XXXX  XXXX XXXX XXXX TX '' as their operational name, and I can not even begin to guess at what it might be as it is so generic that it is completely useless ; searching within XXXX using a " quote '' string for exact matches returns XXXX results and suggestions for " great shopping in my area! '' I want to know if I even authorized this charge-and if so-to where? An itemized list of what was " sold '' or billed would be even better. I am highly concerned that we were either scammed or double charged and it flew under the radar.
Consumer complaint received 2022-02-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I mailed a debt validation letter on XX/XX/XXXX to Portfolio. Listed were 2 accounts Re : Original : XXXX XXXX XXXX XXXX Balance : {$3400.00} Opened : XX/XX/XXXX Re : Original : XXXX XXXX XXXX Balance : {$1600.00} Opened : XX/XX/XXXX I asked for the following : o Proof of my agreement to pay the original creditor ; o A copy of the final account statement issued by the original creditor ; o A breakdown of the total amount due, showing principal, interest and other charges ; and o For all other charges, the date of and basis for each charge. 

I failed to get a response back from Portfolio. On XX/XX/XXXX around noon, I call Portfolio Recovery Associates, and asked for the DVL to be mailed to me for the two accounts above and this account they had listed : Re : Original : XXXX XXXX XXXX XXXX {$2200.00} Opened : XXXX The representative said she was mailing the 3 accounts.. It has been 10 business days and they have not responded. 

If Portfolio does not have proof of the debt they must remove this information from my credit report.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.
Consumer complaint received 2018-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (SC)

Coinbase has neglected to send back unclaimed funds to my closed wallet account. The amount sent of BTC was {$1600.00} to the following wallet address in two transaction on XX/XX/2018 : XXXX. 

Also, Coinbase has neglected to allow me to withdraw .XXXX BTC due to unauthorized activity on my account causing a chargeback. I attempted to settle the payment anyways to withdraw my funds, but the " payment required '' link does not work and only gives error messages. I have attempted to contact them via email and phone for several weeks and continually get answers not related to my direct question or a response that they will escalate it to a " specialist ''. 

This issue has lasted for 3 months, and they just recently restricted me withdrawing or sending my virtual currency. They currently owe me approximately {$6100.00} between the two issues. I  currently have over {$4500.00} in the account.
Consumer complaint received 2017-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have settled an account with collection agency XXXX XXXX and they agreed to delete the account once it 's paid. The account was deleted on XXXX XXXX 2017 and experian re inserted the collection account by XXXX XXXX, 2017 without giving my 5 days notice as it is my right to be notified if an account is being re inserted and I called and sent in proof the account was paid and removed and re inserted I disputed with experian and XXXX sent me proof they sent to experian to remove the negative trade line and still experian still has n't removed the negative account
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This complaint is in regards to a charge-off from Capital One. Capital One has been using extremely unfair practices in credit reporting. My charge-off initially started with one account number ; for some odd reason the account number was transferred and a new account was created with the same information. So, I actually had 2 accounts dinging me with the same exact information. I had to call Capital One MANY times to figure out what was going on and it took me MONTHS to have the duplicate account removed! Starting in XX/XX/XXXX up until XX/XX/XXXX I had started making payments to XXXX XXXX XXXX XXXX XXXX on my charge-off account every single month. The balance on my account had never went down. My original balance was {$3100.00}. Month after month, I was making payments with no decrease in the balance on my credit report. After some time I had filed a dispute on the account with the credit bureaus becuase the information reporting was incorrect. Capital One came back and reported that the information was correct and met FCRA requirements. Which it did not. Later, they sent me a letter in the mail, which I saved as proof of their unfair practices, that the information that was reported was incorrect and that they had fixed the issue. So they lied to the credit bureaus? Finally, my balance was updated after making 13 months worth of payments to {$290.00}. Well, this wasn't the end of it. After I had made my last payment in XX/XX/XXXX, Capital One went back and updated my balance back to the {$3100.00} and the status showed updated on XX/XX/XXXX! What are they doing? I called many times and spoke with the executive office and was promised returned phone calls which I never received, and when I did get a call back I was often put off or told to wait a few more days. I finally just gave up. I pulled my most recent copy of my XXXX report just as evidence of their fraudulent reporting should they try to cover up their mistake. Even more, when I had made my last payment, they said it would take a month to furnish me with a receipt and confirmation that my account was paid in full. They refused to email me a copy of it.
Consumer complaint received 2024-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (TX)

In XXXX after I had to pay a much larger tax bill than I was prepared for i had asked to extend my loan by 1 month so I could recoup and pay. CarMax Auto financing told me I wasn't eligible, so I had asked the if there was anything that could be done to help my situation. After a long hold the representative came back and told me her manager had agreed I could do a partial payment of half then the next half would be added on and for my XXXX bill to be paid in full. I agreed. Payed the half when on XX/XX/XXXX paid the other half plus my XXXX responsibilities. On XXXX the XXXX my credit and my co-signers credit gets hit over XXXX points for delinquent payments. Even though I was paid in full by the XXXX. 31 days after my XXXX due date. When I called Carmax to see why that happened they refused to acknowledge the agreement they had entered into verbally with me and told me they reported me on may 1st 18 days after my due date and 6 days afte4 my partial payment. Now my wife and I have a huge black mark against our credit and carmax refuses to allow me access to the recored conversation to prove I was coherenced into that situation under the thought I was being helped with my difficult financial situation. Instead they used it as an opportunity to collect money that was tough to come by that month, then sent me to the credit Beauro well before 30 days. I attempted to pay on the XXXX my due date but it was Sunday and mother 's day so no ACH would be processed that day.
Consumer complaint received 2022-08-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

XXXX XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the XXXX XXXX and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.
Consumer complaint received 2017-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I used my Wells Fargo Visa credit card to purchase a XXXX XXXX XXXX trip that I was solicited via telephone. When speaking to the sales person I inquired about the various places I would like to travel to, for example XXXX, XXXX, XXXX, and XXXX. I was told yes they had resorts in those locations so I proceeded to purchase the package for {$1100.00}. This was the first time I used this credit card. I called the credit card company on the day I made the purchase because the card was turned down. In speaking with the credit card customer service I asked if I changed my mind in a couple of days could I cancel the purchase, this was on a Friday evening so I had the weekend to change my mind. That Monday morning I called the credit card company to cancel the purchase because I had recieved an email with the various resorts they offered. None of the locations I had requested was included in the resorts. When I called XXXX XXXX XXXX about my concerns I was told they may offer resorts in the areas I was interested in at a later time. I informed them I wanted to cancel my trip. On that same day I called my Visa Credit card and requested they cancel the purchase. I was told that the purchase did not show on the card and that they would cancel but I should follow up in writing. I faxed them in writing the reason for my cancellation. In XX/XX/XXXX the charge was deleted from my account. In XX/XX/XXXX this charge reappeared on my XX/XX/XXXX billing account. I called the Visa Wells Fargo to see why they put it back on my account. I was told something about a third party charge and they would not take it off. They insisted that I use the trip. When I tried to book my trip around XX/XX/XXXX ( trip expiration is XX/XX/XXXX ) I was told by XXXX XXXX XXXX that my trip was under dispute and I could not book it. Once again I contacted my Wells Fargo Visa credit card company to help me resolve the dispute issue. On a three way recorded call the credit card company told the Vacation sales person that they had charged me the amount and they had been paid. After much discussion, the credit card company agreed to send written documentation that they had paid the trip and that I was being charged. I still have problems about getting information on the various resorts and what is offered at the resorts they offer. I no longer trust this company and because I had initionally requested the credit card company cancel this charge ( before it was charged to my account ) it should be removed from my credit card.