davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-07
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

On XX/XX/XXXXXXXX  we received email ( attached ) showing a supposed charge and asking if it was legit. Saying to call the number on email if it was not. My wife called that number and man promised a removal of charges supposedly made on her XXXX account. Instead of removing said charges, instead new charges were made through XXXX onto her Capitol one card. 
There was no success in any attempt at resolving these charges as we all we had was an email ( attached ) which was fraudulent. 
On XX/XX/XXXX/XXXX  this activity with these charges was first reported to Capitol one. My wife then closed her current Savor card and requested a new one. 
In the meantime, in addition to filing now this dispute with you we have taken additional steps. 
On XX/XX/XXXX we filed a consumer report to the Federal Trade Commission. 
Additionally on XX/XX/XXXX we filed a police report over these charges.. 

Capitol one did not even initially inform us that these charges came through XXXX. It was not until XX/XX/XXXX that we learned this. So we then contacted XXXX. 
XXXX Dispute # is XXXX XXXX said they sent us emails but we have no record of such. 

XXXX now says that since we did not contact them first that these claims are now solely up to capitol one to reverse or not. 
NO product or service ever rendered in all these cases yet we were charged multiple times. 

Thank you for considering my case. I hope you can help. 
Sincerely XXXX XXXX
Consumer complaint received 2019-05-12
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. (NJ)

I have 2 late payments XX/XX/XXXX and XX/XX/XXXX that was due to human error. The wrong routing number was inputted in error. We have made all payments before and after and corrected it soon as we was made aware Payment History Youve made 96 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status No Info Account Details Account status Open Type Credit Card Responsibility Individual Remarks Consumer disputes - reinvestigation in progress Times 30/60/90 days late
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited 2 checks given to me by my parents on XX/XX/2022 and my account was locked the following day while the checks were under review. I was unable to receive payment from my employer and I called XXXX. 

Despite numerous calls over the next 15 days, I have not been granted access to my account. I have now : -Missed 2 paychecks from my employer -Unable to make student loan payments -Been reliant on my credit card to make purchases I have called XXXX close to 10 times and receive conflicting information in every call from being told my account is restricted, to it being closed, to re-opened, and restricted once more. 

This has been absolutely absurd and I want my hard earned money back immediately.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (MS)

I have called over and over each day leaving a message for this department to work out my credit card debt but as of today they have not returned my call. I was given a number to a staff member who never answers the phone nor returns call therefore it makes it extremely hard to work this out and not go into collections due to the lack of assistance in getting my card situation resolved in a timely manner
Consumer complaint received 2020-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

i was a [ plying for hsbc credit card acount and did not have all my information and came back with all my information to apply hsbc co refused to allow me to finish my application and still refuses to let me finish my application with all my information i obtain.?
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Good morning, my complaint this morning is with Wells Fargo Bank. I have recently been charge fees in an unfair way. Out of XXXX transactions I was short in funds for XXXX but to do to the way they sequenced my incoming charges, they charge me for XXXX fees. This is not the XXXX time they done this. I tried compromising with them but they say that its the way checks get presented that they process through account and that 's not true. I had XXXX transactions presented in the account throughout the noon time of that day while I had a XXXX transaction processed until later that evening ; and as this transaction was the XXXX in posting sequence, I know its not what they use as excuse. In that sense they can always say that and unless a customer like my self talks to the payees and know the way the payees bank process, then we can track down every time but Wells Fargo bank knows no one will do that and can take advantage of the system that way. Nonetheless, to my understanding, it was already in the regulations for banks to not this process as they profit more. 
Note : I 'm also aware that the process of items with banks can goin a sequence from atm to debit, to electronic checks then manual checks regardless of amount but this case was manual checks deposit.
Consumer complaint received 2018-04-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I have tried multiple times over the years ( when it was XXXX XXXX, and now Navient ) to get my loan refinanced to a reasonable point to no avail. I was told my only option was pay {$50.00} and place on forbearance, but with the stipulation, that you only get up to 12 months for the LIFE of the loan ( that they forced me to take at least once ), So I struggled for along time. I couldn't even combine it with other student loans, because it was " private '' and they'd rather watch me squirm than get anything. 

I'm now out of work for 3 months, not able to pay a dime as unemployment does not stretch for anything. I've tried asking for help multiple times, to be basically told, " too bad. '' The only way I got anywhere was literally yelling at them, and even then I think all I did was frustrate me more. 

The worst part has now become that they have gotten a 3rd party involved to " find '' me, and harass me at least 5 times in the last week, who will not give me any info unless I give them information I'm not comfortable giving, including who the " company '' was. That the only reason I knew it was Navient is because I called them again on XX/XX/18, and they admitted it.
Consumer complaint received 2017-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Selene Finance LP (FL)

On or about XXXX XXXX, XXXX, my manufactured home bearing the identification number of XXXX was stolen from me by the bank listed on the documents. The bank in question had no rights whatsoever to my home, as my mortgage was through XXXX XXXX originally through XXXX XXXX, then transferred to XXXX XXXX and finally to XXXX XXXX. As you may see through the legal documents, my home was not to be included in the foreclosure per XXXX XXXX order. Moreover, the Certificate of Title and Certificate of Sale exclude my home as well. I had to retain legal counsel at the time just to prevent the bank from stealing my home, which they had no legal or civil interest in at all. The bank in question was somehow able to locate the VIN of my home and include it within another foreclosure. The bank physically had to research my VIN, as they would not have had any record of it since I did not have a mortgage or loan of any type with this bank. What this bank did to me would be no different than if I were to foreclose on my neighbors home. My neighbors do not owe me any money, and I have no security interests in their home ; however, I foreclose on their home anyway even after a judge orders me not to do so. Well, this is exactly what this bank did to me. It is extremely worrisome that this bank has been able to get away with this crime, which establishes a frightening precedent that could be perpetrated unto other honest citizens. The contact information for the bank whom illegally dispossessed my home is : Selene Finance, LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Despite the Judges order and the bank realizing that it had no rights to my property, the bank fraudulently acquired title to my home and sold the home. I was still making payments on my home for several months after the bank had stolen my home unbeknownst to me. At some point in XXXX, the new owners removed my home from their property and the whereabouts are unknown to me. I had thousands of dollars in personal belongings still in the home. To date, I am still being harassed from XXXX to make my mortgage payments, which has negatively impacted my credit and subsequently has had a detrimental effect on all aspects of my life. I had my home and personal belongings stolen from me, have lost a great deal of money, negative reporting on my credit reports, and have endured a great deal of stress and aggravation to say the least. 

I truly hope that you can help me in this criminal matter and prosecute the perpetrators.
Consumer complaint received 2021-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I had checked my XXXX XXXX  a month ago to see what my credit score was and had come across a Collections account from XXXX XXXX, ( XXXX XXXX XXXX  ), for the amount of XXXX. It's apparently from XXXX XXXX but I had never received any bill from the hospital themselves and hadn't received any letters from XXXXXXXX XXXX pertaining to this debt either. It was just on my credit account randomly, negatively impacting it severely. After disputing it with XXXX, they removed it the same day without question as I'm not the only person having issues with these companies. Fast forward to today, XX/XX/2021, I receive an actual letter in the mail from another collections agency for the SAME EXACT THING, as soon as I had this disputed. The company name is Capio Partners ( XXXX XXXX XXXX ), also for XXXX. I looked up the reviews of Capio Partners and all of the reviews of the business is claiming that they've called the hospitals/wherever they got their medical stuff done the collection agency is claiming, and they've been told they never owed any debt. Tons of the reviews are claiming these companies are scammers. I'm not wanting to get another credit collections ding on my credit score and ruin it.
Consumer complaint received 2021-07-20
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. (NY)

My name is XXXX XXXX XXXX XXXX. My social security number is XXXX XXXX year of birth address is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ny XXXX .my complaint is that XXXX XXXX refused to removed all the hard credit inquiries off my credit report I have a total of 25. I already sent them a federal trade commissions report of identity fraud and they add a fraud alert but never removed the inquiries that affect my score.
Consumer complaint received 2021-07-20
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. (NV)

I been calling the major credit bureaus XXXX, XXXX, Equifax and XXXX to dispute fraudulent and unauthorized information in my credit report. 
The bureaus refused to remove that information several times, when I call them they always hang up on me and make very difficult the dispute process or dont respond to me letters with the requests. 
Attached my request in a pdf document. 
I am requesting help from CFPB so the credit bureaus can remove the fraudulent inquiries and fraudulent information from my credit report.
Consumer complaint received 2023-02-06
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: AMERICAN EXPRESS COMPANY (NJ)

A fraudulent application was opened in my name and my checking was used to pay for it the company American Express has resolved the account as fraud and promised a refund check for {$10000.00} that Ive gotten the check number XXXX but have not yet received I am seeking the payment of the {$10000.00} that they have agreed to pay me for the fraudulent account that withdraw funds from my checking without my authorization no not yet received
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CORELOGIC INC (WA)

When I terminated my service with XXXX XXXX  years ago I was very specific as to the " payed in full amount ''. Dealing with this company is a nightmare but they were the only ones with a XXXX XXXX I wanted. 
I was given the amount from their customer service department and I returned everything as requested following the steps perfectly. Months later I received a collections notice, naturally demanding payment for a debt not owed.The amount is {$270.00} from Credco ( XXXX XXXX ). I contacted them several times which is a time consuming nightmare and was told it was a mistake on their end but the notices kept coming and my frustrations grew. The fifth time I contacted them I didn't go through to customer service, strait to the collections department where I was told they didn't care or wanted to hear anything from me and to pay up or it would remain on my credit report until I did. This is illegal, unethical, and extortion. They wouldn't ever tell me what was owed, just pay the amount. 
If you send anything back to XXXX XXXX  now XXXX reads you a disclaimer and provides you a secondary tracking number because they've pull this XXXX with SO many people. 
Please get this removed, I'd pay it if it was owed but I won't be bullied into paying it!
Consumer complaint received 2020-11-03
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)

My ex husband fraudulently opened an account in my name in which I have him listed. I am divorced from him as a result. The accounts listed are not my accounts, and I did not authorize these companies to run my credit. I am not a credit repair company nor am I a mortgage company. Please remove them as I am trying to buy a house and I have stellar credit beyond what is listed.
Consumer complaint received 2020-11-27
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. (WI)

On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of XXXX  Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.
Consumer complaint received 2019-02-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MD)

On XX/XX/XXXX we originated our mortgage with XXXX XXXX   XXXX  and used their finance company and insurance provider. Shortly after closing we switched from their insurance company to our own, XXXX and noted the loss payee as we signed at closing. 

The loan was transferred to RPM servicing sometime in XX/XX/XXXX. Although we have submitted our insurance 3 times now ( twice through their insurance site XXXX ) and once direct from our agent, they still had the nerve to charge us {$2900.00} for forced place insurance on XX/XX/XXXX. This is no accident. These people are incompetent and I will not stand for their forced place insurance when we have valid insurance from XXXX on our own. 


Attempts to reach by phone are pointless as you go through a phone tree and never get to speak to a person. 

Page 5 of the attached policy will show the policy is legitimate and valid and properly assigned.
Consumer complaint received 2021-06-30
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: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-30
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-11-27
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. (WI)

On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of XXXX  Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.
Consumer complaint received 2023-07-26
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc. (PA)

Key 2 Recovery has repeatedly called me on my work number. From the number XXXX XXXX XXXX XXXX. At one point they were calling every day. I can't have my work line tied up with this type of call when it could interrupt customer support.
Consumer complaint received 2021-04-15
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. (IL)

I contacted Experian to remove XXXX late payments that were unlawfully added to my credit report by XXXX XXXX XXXX. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Equifax I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX : I called and requested the amount to pay off account with XXXX XXXX XXXX Account : XXXX. I was told {$69.00}. I made two payments of {$35.00} and {$33.00}, to have a XXXX  balance, according to an XXXX Customer Service Credit Representative. I am trying to secure a mortgage loan. So, I called to get the address to submit a Goodwill Adjustment letter for removal of late pays : XX/XX/XXXX and XX/XX/XXXX due to an injury and XXXX impacting my work status. I was informed of a {$30.00} past due amount that I was unaware of. 

XX/XX/XXXX : {$2.00} residual interest XX/XX/XXXX : {$2.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$6.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$14.00} late fee, {$2.00} interest charge. 

I was told that I needed to pay {$30.00} by the end of the day on XX/XX/XXXX. As of today, my balance is + {$0.00}. Apparently, I was mislead again with the amount due for pay off.
Consumer complaint received 2021-06-30
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: CITIBANK, N.A. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-30
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: ALLIANT CREDIT UNION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.