davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (OR)

I applied for a personal loan through River Valley Loans in XX/XX/XXXX during a desperate time where we could not function in our daily lives without financial help. I took a loan for {$700.00} that was to be paid back in payments of {$200.00}. I knew I would be paying about double the loan in interest. When I saw that my loan had been paid back via automated payments from my bank and had now almost been paid double, I checked to see how many more payments were due since they are taking the money every paycheck instead of once a month... They will be taking auto payments until XX/XX/XXXX, twice a month. I pulled up the paperwork thinking it was an error only to see that they are charging me 633 % interest on the loan. I am paying 5x my loan amount just to be able to get some groceries... 

I was not aware of this. I called them on XX/XX/XXXX to find out what was happening and fix the error when they told me it was correct and all of this had been explained to me during the application process over the phone. However they are " explaining it '' to people is not clear. I work in finance and would never have agreed to a loan that charges me THOUSANDS for a less than {$1000.00} loan. I read other reviews from fellow consumers saying they either got stuck with an outrageous payoff amount, or didn't know the loan was predatory until they got their final paperwork and shut the process down. River Valley Loans does not explain it on the phone like they claim. Now, unless I threaten bankruptcy and them getting nothing from me, they will not reduce my interest or payments in any way. I have explained that this loan issue is now adding to a potential bankruptcy issue for my family as I am being overdrawn in my bank account every paycheck for issues like this loan. These lenders do not care that they are predatory, they just want a signature. This is not right to take advantage of the American people this way. They need to be investigated. There are hundreds of similar complaints with this company. I only wish I had seen them sooner...
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On or around XXXX XXXX I deposited {$360.00} into the ATM at chase bank located XXXX XXXX. The terminal then gave me a receipt that told me to call an XXXX number to ensure my money was received. I have never got this type of receipt before. I called the number and told them what happened because my money didnt post to my account. I gave them the terminal number ( XXXX ) and all the other numbers that was asked of me. They gave me a provisional deposit so everything was good. Today I noticed a reversal on my account of the {$360.00}. I called chase to see what happened and I was told that their investigation found I didnt make a deposit. The clerk told me theres nothing I can do about it.
Consumer complaint received 2023-07-14
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. (IN)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CITIBANK, N.A. (FL)

Dear Citibank, Subject : Request for Release of Jetski Title - Paid in Full I am writing to express my concern regarding an unresolved issue with the release of my jetski title. On XX/XX/2022, I completed all payments for my jetski, financed through your institution. However, as of today, the title has not been released to me. 

Despite numerous attempts to resolve this issue through customer service calls, there has been no satisfactory progress or resolution. This delay is particularly concerning and unacceptable, considering the jetski is fully paid off and the title release should be a straightforward process. 

The ongoing delay has caused significant inconvenience, and I am seeking your immediate attention to rectify this matter. As a customer who has fulfilled all financial obligations, it is reasonable to expect a prompt and efficient service in return, especially in matters as crucial as title release. 

I kindly request that you expedite the release of my jetski title and provide a clear timeline by when I can expect to receive it. Your prompt and effective resolution in this matter will be highly appreciated. 

Thank you for your attention to this issue. I look forward to a swift response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Park Hill Holdings (MO)

I am a victim of identity theft. I have an incorrect address on my tenant screening report that I've never lived at XXXX XXXX XXXX XXXX XXXX, GA XXXX before.. There is showing a rental balance. I have filed a report for identity theft and have already contacted the company, I did not receive a response. I am requesting for this to be removed from my tenant report. If is not removed I will sue for, as this is negatively impacting my credit. The tenant obtained this apartment with my identity as well as false documents to obtain the lease. The landlord did not properly investigate and research before lending this apartment out to the tenant which is extremely negligent. This could have been prevented had the landlord properly reviewed the documentation. If not removed I will sue for negligence.
Consumer complaint received 2024-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NC)

Amsher Collection Service states that I owe them for an XXXX purchased in Maryland in the summer of XXXX. The phone is an XXXX XXXX XXXX XXXX. I have had the same XXXX XXXX since XXXX of XXXX. I have not been to Maryland in years. This debt is not mine.
Consumer complaint received 2023-09-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation (SC)

We noticed on our credit reports that the information pertaining to the loan was incorrect. Payments had no been reported since XXXX of 2022 and our balance wasn't changing. Reached out to local and corporate branch and they insisted that they were reporting it sine we had never missed a payment. They balance over the phone was almost XXXX less than what is showing on credit reports
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My rights have been violated as a consumer. I sent multiple letters off to XXXX, XXXX XXXX Experian about this matter and nobody is doing anything about it. The last letter I sent to all three reporting agencies was XX/XX/2023. I was disputing incorrect information that was put on my credit without my consent continuously and repeatedly. All of this without my consent. I never got a letter. If I did it was dated 30 or more day before I received it. So, I wrote dispute letters to XXXX, XXXX XXXX Experian using the following laws. 15 US Code 1681 b, 15 US Code 1681 c-1 & 15 US Code 1681 c-2. They won't correct the misspelled names or addresses or respect the law. Please help me this is becoming a big inconvenience because I am trying to buy a home. Please help me.
Consumer complaint received 2023-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (AZ)

I ordered a new XXXX Chase Credit Card back in XXXX of XXXX. My marriage was having problems and I wanted new credit card numbers to ensure my husband didn't have my credit card number saved somewhere " digitally ''. I used my XXXX XXXX over the phone to pay a doctor 's office telehealth copay over the phone on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into my online Chase account and was shocked the dollar amount I owed on this credit card. It had approx {$2900.00} dollars worth of charges that I didn't make or recognize. I called and reported the fraudulent charges to XXXX Chase. I explained that I had the card physically in my possession during the entire time, but someone must've stolen my card number. Many of these charges are way outside my normal spending patterns and in parts of town I don't travel to. They immediately removed the charges and said that they would be doing an investigation. I thought the issue was resolved. In XXXX of XXXX, all the fraudulent charges were re-billed. I was in the middle of a divorce and wasn't receiving mail regularly because I was rarely " home '' and my ex wouldn't always save my mail for me. I didn't notice the rebill of charges until XX/XX/XXXX. I called and asked why I had these charges that were deleted in XXXX. They did an " audit '' and said that none of the merchants they had contacted about the charges responded to their request for information about the questionable purchases. There were several more phone exchanges that happened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ultimately they said that " all the merchants '' they originally contacted all replied and said that my card was utilized with the " chip '' feature, which means whoever used the card, had the physical card with them. Since I stated at the original reporting that I always had possession of the card, Customer service stated that either my ex-husband, other family members, or myself had " inserted the card into the chip reader '', and that I was responsible for all charges. I asked for another audit stating I didn't believe that they went from no merchants responding to all of them responding the same way. I also asked to be transferred to a supervisor or manager and was denied another audit or transfer to talk to anyone else. 

The XXXX Chase credit card company states they tried to call me twice in XX/XX/XXXX, and sent me letters in the mail XX/XX/XXXX and XX/XX/XXXX. I didn't have any voicemails from them and I never received the letters. I di n't file a police report because at my initial report, they said the charges were going to be removed. I thought the issue was resolved on XX/XX/XXXX.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NY)

From XX/XX/21 i was charged extremely high interest rates, One main financial was misleading deceptive and violated my rights. there was so many hidden disclosures. I had to borrow money to pay extra fees in order to keep my car. I will never ever get another loan with this company nothing but problems feeling overwhelmed.
Consumer complaint received 2023-09-24
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: Experian Information Solutions Inc. (VA)

XXXX XXXXXXXX XXXX  XXXX. requested ( Hard ) inquiry without authorization : New credit inquiry It looks like a lender recently checked your credit report. This typically happens when you apply for a new credit card or loan. 
INFORMATION FOUND Lender : XXXXXXXX XXXX XXXX Inquiry date : XX/XX/2023 This is pattern this company use to continually ( increase and reduce ) credit score of the past ( 12 ) months. Seem to be a credit card issuer " Redlining '' for credit card holder with high credit balances. However pay all credit card on time without delinquency.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-04-28
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (TN)

I made a purchase from Ashley Funiture store in XXXX Tennessee on XXXX XX/XX/year> for a total amount of {$2200.00}. My purchase was delivered to my apartment on XXXX XX/XX/year>. I notice that the purchase was still in a pending status even though the amount had posted. I contacted the store and Synchrony Bank about this issue. I reviewed my account online today and noticed that instead of fixing the issue, they recharged me {$2200.00}. This is the second time Ashley has double-charged me for a purchase. I had a previous account with them and they charged me several times for a one-time purchase of a table and I had to file a complaint with the XXXX to get it resolved, and here we are again with the same issue. I assume this must be a part of their business practice. They also overcharged me for delivery. As a XXXX veteran, I feel this company should be held accountable for this mismanagement of my account and trying to take advantage of me as a consumer. Also, if you look at the attachments, they have other items still in a pending and posted status even though the items were already delivered.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

XXXX XXXX XXXX & XXXX XXXX
Consumer complaint received 2023-09-24
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation (FL)

Homepoint has sold the mortgage. I setup my account for direct debit. As a result, my payment was made timely this time. The time I had a mortgage with two different Homepoint ( s ). They provided late notification of loans transferred and change in escrow. I continue to believe my timely record of payments are correct and Homepoint never accepted responsibility for the shortfall one month due to poor notification of escrow. They have also blocked me from their website.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

To whom it may concern, You are reporting this collection Account name : XXXX XXXX XXXX Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite Metro 2 complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (NJ)

After a review of my discover credit card account, I found a mysterious charge of {$200.00} from discover during the holiday season. Ive contacted discover about this and other mysterious activity ; find the procedural history below. 

1. I opened a secured card with discover with a {$200.00} deposit. After 6 months of on-time payments, discover was set to return my security deposit and raise my credit limit.

2. I requested the security deposit be credited to my discover credit card account but for some reason this was not possible. [ This was the first opportunity to eliminate ambiguity ] 3. I asked for the security deposit to be credited to my debit card but for some reason this was not possible.

4. Discovers option was to send a check. I never received the check from discover.

5. I asked the security deposit be credited to my traditional checking account and discover agreed to issue a stop payment on the check then send the security deposit to my checking account. 
6. After receiving the security deposit in my checking account, I made a payment from my checking account to my discover credit card account in the amount of {$200.00} on XX/XX/XXXX ( posted on XX/XX/XXXX ) in the spirit of my original request. 
7. On XX/XX/XXXX my discover credit card account was erroneously charged a - {$200.00} adjustment fee. 
XXXX. On XX/XX/XXXX after discovering the adjustment fee, I contacted discover for a reason for the adjustment fee, receiving two explanations 1 ) my checking account bank allegedly returned the payment? ( no, my checking account bank says that never happened ). 2 ) Discover allegedly gave the security deposit to me twice by mistake ( no, this did not happen )? 
9. The result of the actions is that my discover account is overcharged by - {$200.00} and I may have been overcharged on interest. 
10. Discover describes the situation as crazy alleging : " Two refunds were sent via electronic deposit ( ACH ). The first was sent on XX/XX/XXXX. The second was sent on XX/XX/XXXX. '' a. Not possible. My bank would have the records and they have stated they do not. More specifically my bank statement listed only one discover credit on XX/XX/XXXX in the amount of {$200.00}. 
b. discover has refused to provide the ACH tracking numbers of the alleged transactions which would quickly prove that discover did not send me two electronic deposits ACH. 

The only remedy for this discrepancy is to add + {$200.00} ( as a credit ) my discover credit card account. 

P.S. I received two email responses from discover stating my credit card balance is allegedly ~ {$660.00} and also stating that I am eligible for a {$1.00} statement credit. This of course falls short.