davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (MN)

I was trying to get a XXXX loan to get my car fixed. On XX/XX/2023 I was approved for a XXXX dollar loan. I have already paid XXXX off. When I looked up the loan to see how much longer I have to pay I see they want XXXX to pay it off. That is XXXX XXXX APR. 
I swear I was not told that, however I am on XXXX and have a hard time comprehending some things. When I called the company and asked if I could get a lower APR I was told no. I am so disappointed in myself. I dont have that kind of money. I am willing to pay a total of XXXX for my borrowed XXXX. 
Can you help me please
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Like this please remove these Inquiries from my credit report ASAP The inquiries are as follows please be mind full I don't authorize any of this XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  Date of inquiryXXXX
Consumer complaint received 2023-10-25
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: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX, I went in to make a bulk t-shirt order at The XXXX XXXX for my clothing business. I have worked with them in the past 3 times and had no issues until my forth time. They charged me {$400.00} for my order and we agreed on a date when the shirts will be done for me. Couple days past and The XXXX XXXX will give me the run around of when they'll have the shirts done. 
By XX/XX/XXXX I asked The XXXX XXXX for my money back if they were not going to do my order. 
I didn't get a response back. I texted them again that same day and got no response. So I filed a claim with my bank. My bank did give me my funds back that same day. Today XX/XX/ my bank took the {$400.00} and credited it back to the merchant. I called Chase which is my bank and they told me the reason why they credited the money back to the merchant was because the merchant provided a receipt stating that once I pay I agree to my order being picked up. At The XXXX XXXX, that was never brought up and it was a requirement for me to pay the full amount of money in order to even get my shirts done. I have the text messages of me texting the owner of XXXX XXXX XXXX which his name is XXXX. The phone number Im texting is also linked the business if you search it up on XXXX. I tried my hardest to getting in contact with the merchant and they just ignore me.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CO)

I am writing to complain to XXXX XXXX XXXX XXXX about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX. My birthdate is XXXX. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the late payments them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc (TN)

On XXXXXXXX  i XXXX  chime number to dispute XXXXXXXX XXXX that came off my card from XXXX XXXX pulled up 2 numbers XXXX XXXX XXXX i called the XXXX # because it had called center they took me threw the steps so im not thinking told me to download this app go on my chime app log out but when I log back in the money gone be back on my card so I didnt no first time calling chime about a problem but call a scam number they took my my money i sent proof im XXXX see how can I get my XXXX XXXX back that was my last
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX # XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.
Consumer complaint received 2023-10-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company (TX)

VA Assumed Mortgage We assumed the mortgage XX/XX/XXXX and had no issues with our online access, managing our information, or making payments. 
XX/XX/XXXX Freedom Mortgage took away our online account access telling us they can not properly secure our information online due to our loan be an assumption. 
We need online access to verify our account information. During our time with Freedom Mortgage, they have mailed our private information to the previous home owners without our consent. This included all of our financial information, XXXX 's, XXXX 's, back account information, everything we used to apply for the loan assumption. They have accused us being negative {$12000.00} in our escrow when it was current. Our home owners insurance information has been lost and they attempted to force a separate company on us at an absurd rate. We have been accused of being two months behind on our mortgage when we have been always remained ahead on our payments. Most bothersome, is they reported inaccurate information to the credit bureaus. 
All of these issues, except for the online access has been corrected, however, it took getting the State of Texas involved to do so. As of today, they have no answer for the online access being restored for our account. We need this access to allow us to keep up with our mortgage information. With some many errors in the past it is needed to catch an error before they really do financial harm that can not be correct.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cottonwood Financial Ltd. (TX)

There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with XXXX  XXXX XXXX with the balance reporting or an account at all. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately.
Consumer complaint received 2018-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

I went to purchase a vehicle on XX/XX/2018 and come to find out there are numerous inquires from the last YEAR I did NOT recognize. I contacted customer service to help and it was stated that there was a breech and inquires were removed and then put back. I HAVE NOT received ANY notice of this and wanted the last YEAR removed. I was told she couldn't help me. I am a single mother trying to make it on my own and I need to get my credit together after a nasty divorce. I have recently found out MORE inquiries were added. Please remove the inquiries from 2018 other than XXXX XXXX AND XXXX XXXX as those were the ONLY XXXX I gave permission to do so. This is XXXX XXXX mistake and Why was I not notified????
Consumer complaint received 2018-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been a victim of inquiry issue. Misreported inquires. Their customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , OH XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, MI XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , DE XXXX | ( XXXX   ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX , PA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX , FL XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX XXXX  , MI XXXX | ( XXXX ) XXXX
Consumer complaint received 2023-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (GA)

My bank sent an electronic payment to Mohela on XX/XX/XXXX for the amount of {$140.00} to be credited to my student loan payment which was due on the XXXX of XXXX. I logged onto my account on XX/XX/XXXX and noticed it was showing that I had not paid it. I messaged them and sat on hold for almost 4 hours waiting to speak to someone. When the person answered they said I sent it to the wrong address. Then they also said they had no record of a payment so I would need to call my bank to cancel the first one and send a new payment. My bank said they did receive it and attempted to call Mohela but could not get through. When I got home I had 2 letters from Mohela, one dated XX/XX/XXXX, stating they had received my payment but at the wrong address ( again it was electronic not paper ) and it would be credited and the other was a bill stating I had not paid anything. I went ahead and submitted another payment on the XXXX just to ensure it would be within the 15 day window. Neither payment has been credited and it is now the XXXX. I have also emailed 4 more times to no response at all. Now, it is almost time for another payment and I am not sure what to do.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (OH)

Trying to settle the debt. The {$3800.00} loan I am being told will cost me {$7000.00} to payoff. The company refuses to settle the debt with me for anything less than {$6800.00}. Interest is 687 %. I was unaware that if I paid the remaining principal I would owe more than double the loan to payoff. At this rate and with this company 's practices I will never be able to pay this off.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2023-10-25
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (CA)

XXXX XXXX sent me a bill via email XX/XX/23 to pay {$270.00} for dates of service XX/XX/23 to XX/XX/23. I contacted XXXX XXXX via phone to explain the bill. I was also on the Federal Broadband program. First I was told that my services were temporarily suspended XX/XX/23 and permanently disconnected XX/XX/23. Then I was told my services were disconnected XX/XX/23. I have called several times about the bill I received XX/XX/23 The billing reps had no idea what was going on with the bill. Calls were escalated and those reps couldn't tell me why I received a bill for dates XX/XX/23 to XX/XX/23 of service when I did not have service. I also requested a disconnect notice and have not received it. 
I do not owe XXXX because I did not have service for the period XX/XX/23 to XX/XX/23. 

Eastern Account System has reported this to all of the credit bureaus and has made a false and fraudulent representation of this dept as an installment as well as another that this is a collection that I agreed to. I do not have any agreements with Eastern Account System. This account should be removed from all of my credit reports and returned to XXXX XXXX.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans Union said my credit scored was lowered due to me charging an XXXX account over my spending limit -- something I have never done -- when they read the account number off, it isn't mine. 

XXXX verified they've never had to report anything to credit reports on my behalf and i hve never exceeded my credit limit. 

I want to see the report and who added this to my report in error
Consumer complaint received 2023-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Oasis Legal Finance Holding Company, LLC (NC)

I was involved in an accident in XXXX and been out of work and was receiving temporary XXXX for a short time then bills were piling up in XXXX and I didn't have any money coming in so I looked online for a lending company and I came across Oasis which Had an advertisement online saying they won't get paid unless you get paid and if you don't you don't have to pay the money back and the fee was 1.4 %. So from XXXX until approximately XXXX I only borrowed XXXX from Oasis and they charged me a little over XXXX they receive more then I got from my settlement in XXXX and I feel like they over charged me and with unexpected fees and false advertisement
Consumer complaint received 2023-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Regardless of multiple written requests, the unverified accounts/inquiries listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts/inquiries completely from my credit reports. 
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 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
Consumer complaint received 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I called and disputed some charges on my checking account with XXXX XXXXXXXX XXXX and was told I would receive a email. I received email stating following Re : Claim # XXXX for account ending in XXXX XXXX XXXX, We're investigating your disputed transaction ( s ). In the meantime, we deposited a temporary credit into your account on XX/XX/XXXX, for {$1700.00}. This money is immediately available, but may be removed as a result of our investigation. 

We'll also reimburse you for any related interest, finance charges and/or fees within one business day. This reimbursement will be reflected in your account transaction history and on your monthly statement. 

If your account is closed during the investigation, we reserve the right to reopen it to remove the temporary credit depending on the result of our investigation. If your account balance becomes negative because of this action, you'll be responsible for the balance. 

We may contact you if we need additional info and we'll be in touch with the outcome of our investigation. 


on XX/XX/XXXX I received a credit for {$210.00} and 4 credit of XXXX XXXX credit of XXXX interest paid back to my account. I have called Capital One Bank 4 times and have been given different information. Someone told me it was error and remaining funds would be credit 24 to 48 hours still didn't received so I called back and was placed on hold when I asked for manager for over 1hr and I waited until I couldn't wait any longer. I called again and was told my complaint would be escalated and they see the issue still no credit. I want my remaining funds deposit to my account and for Capital One Bank to get a better system in place as most of the employees are international and have no clue what they are doing. Capital One being such a big financial institution need better training.
Consumer complaint received 2023-08-24
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : 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