davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (TX)

One Main Financial, charge me for opinions products, making my loan higher than what I originally expected to pay back, I bought this up to the company when I seen the charge and they said theres nothing that they can do since I already signed! So now its on my credit report I cant get another loan from any other company because of this!
Consumer complaint received 2022-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

My union bank account was hacked and someone made three wire transfers for over {$12000.00} to a XXXX XXXX account. the bank investigated and they were able to recover about {$470.00}. they are not continuing the investigation and refusing to refund the money stolen from my account. 

the person was able to hack my XXXX XXXX account and have my emails and phone calls forwarded to their phone. They were able to verify the wire transfer requests as the bank calls were forwarded to them.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX back in XX/XX/XXXXAnd now Equifax, XXXX XXXX and XXXX has been reporting over 10 different apartments for XXXX XXXX XXXX XXXX. I dont understand how this is possible. Thats not my signature or my charges please delete this stuff. I had no contract with talise.
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NC)

I had my wife transfer {$1500.00} into my cash app account. I generally dont use cash app but it was late and I needed fuel for my commercial vehicle asap. The transaction was a success but when trying to transfer the money from Cash app to my business account it didnt go through. I then tried to send the money back to my wife but I was unable to do so. At this point I contacted customer service but got no real answer on what was going on. Over the course of 5 days Ive been hung up on and told numerous times theirs nothing they can do because my case was in someone elses hands. I was told I would receive an email with instructions because there is no one to speak to in the department handling my case. This is very frustrating since every transaction made has a moneXXXX trail linked to Cash app my wifes account my Cash app account as well as my business account are all linked.
Consumer complaint received 2024-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TN)

Received a text message from XXXX XXXX attempting to collect a debt. Offered to have me pay about half the amount of the debt to settle it. No further information was provided. I have since been sent to collections by this company.
Consumer complaint received 2022-08-18
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: HW Holding, Inc (PA)

In accordance with a fair credit reporting act [ XXXX  # XXXX, HUNTER WARFIELD # XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-17
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: JPMORGAN CHASE & CO. (PA)

I PURCHASED A TRIP PACKAGE THRU XXXX XXXX FOR XXXX ON XX/XX/XXXX FOR A TRIP TO XXXX ON XXXX XXXX  I DIDNT RECEIVE AN CONFIRMATION OF THE TRIP I CALLED CHASE CREDIT TO LET THEM KNOW I BELIEVE I WAS SCAMMED THEY STARTED A FRAUD/DISPUTE WHICH I NEVER HEARD BACK FROM CHASE OR XXXX XXXX I CALLED CHASED EVERY WEEK AND THEY KEPT SAYING THEY GON NA REACH OUT TO THE COMPANY TILL THIS TODAY THEY HAVENT GOTTEN ANY RESPOND FROM XXXX XXXX THEY KEEP CLOSING MY DISPUTED BUT THEY DONT KNOW WHY IT HAS BEEN CLOSED THEY HAVE GAVE ME XXXX DIFFERENT DISPUTE CASE NUMBERS.. WHICH THEY HAVENT EMAILED ME OR SHOWN NO CONCERN OF THE PROBLEM,, I SUBMITTED EVERYTHING THAT WAS ASKED OF ME AND YET IM STILL PAYING INTEREST RATE FOR A PRODUCT I NEVER RECEIVED, ,I CALLED THEM XX/XX/XXXX AND EXPLAINED I STILL HAVENT RECEIVED ANY CONFIRMATION AND I WAS TOLD CALL BACK AFTER THE DATE WHICH I DID XX/XX/XXXX AND THEY GAVE ME ANOTHER DISPUTE # SAYING IT HAS TO GO TO A SUPERVISOR I BEEN DEALING WITH THIS SINCE XXXX AND I REFUSE TO PAY FOR A TRIP THAT I HAVE NOT RECEIVED!!!!
Consumer complaint received 2024-04-04
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: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/XXXX my American Express Card was charged by XXXX ( my business website host ) for {$460.00}. I called and stated that that was too much money and I wanted to close the account. They offered me a 20 % discount and I accepted that. They then charged my card {$370.00}, the agreed upon price. After a few days of not getting the original refund of {$460.00} I called XXXX why I didn't receive a refund and was told the charge was never put through. When I got my Amex bill, it showed 2 charges, one for {$460.00} and one for {$370.00}, both charges. After trying multiple times to resolve with XXXX I called Amex and disputed the charge of {$460.00}. After investigating I was given that amount back and the merchant kept the agreed upon {$370.00}. Fast forward to XX/XX/XXXX. I get a notification from XXXX that my website is being suspended and deleted for non payment. When I contacted them they claimed I disputed the {$370.00} and owed them that money. I contacted Amex and they confirmed that I never disputed that amount and the only amount returned to me was the overcharge of {$460.00}. After dozens of calls and emails to XXXX they said the issue was with Amex and not them. They then told me that to keep from deleting my websites I had to immediately pay {$190.00}. I paid that money ( which I consider to be extortion ) in order to get my business back up and running. I called Amex again, explained the situation and was told to move to another vendor and they would charge back the {$190.00} and {$370.00}. I them moved my websites to a new host. I called Amex back and they now said they couldn't charge back the {$370.00} because it was past 60 days. I paid for 3 years of hosting service and got 7 months worth. I asked them to contact the merchant on my behalf and they said that wasn't possible, that they agreed I was duped but that they couldn't do anything about it. I explained that this was an error on their part according to the vendor and they denied have made the chargeback of {$370.00} and again, told me to contact XXXX. I contacted XXXX again via email and was told by their escalation division that the error was Amex 's and I needed to take it up with them. I spoke to escalation and Amex and they claimed they can't do anything because they aren't allowed to contact merchant 's directly to sort the situation and the computer system doesn't allow for disputes past 60 days. I am at XXXX XXXX  end trying to resolve this. Both XXXX and Amex claim the other made a mistake. All I know is I'm currently out {$370.00} and XXXX for services I never received.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Hello I cant access my credit report like whatsoever my son is XXXX  and my id is attached to this complaint im submitting. I pulled my credit from another source outside of Equifax and there's was nothing, zilch, notta showing. I hope with this sensitive information I've attached Equifax will be able to submit me a credit report. I would also like to regain Equifax to www.myequifax.com I haven't seen my report on the website in years. Nor have I been able to access it from Equifax website or annual credit report.com please help thanks
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (NC)

There is a charged off account on my credit report. Its reporting as open, but it is charged off. 
How can a charge off account be open. 
Thats illegal.
Consumer complaint received 2022-08-18
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2022-08-18
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. (GA)

I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$6100.00} XXXX XXXX XXXX XXXX : {$19000.00}
Consumer complaint received 2023-07-22
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

? They are refusing to reverse the charges. 
I paid the full amount before the due date and they are still insisting on charging me the interest. I was also told that if i don't pay the interest they would be adding on late fees
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have filed disputes with all three credit bureau 's and XXXX regarding a collections account showing on my credit report. That account has been paid in full and closed. I have a letter from XXXX stating as such - but my disputes continue to be declined with the following reason : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I most recently refiled disputes on XX/XX/22 and it was processed the same day with no resolve.
Consumer complaint received 2024-04-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Glacier Bancorp Inc. (NC)

I have received 2 text messages from what purports to be GLACIER Bank. I do not know nor do I have an account with GLACIER Bank. The first text message came on XX/XX/2024 saying my GLACIER access is blocked in accordance with our customer protection policy. It asked me to click on XXXX  " to regain access ''. 
The second text came on XX/XX/2024 saying " Dear Member XXXX  Tap on XXXX for app update to avoid your access locked ''. I have not responded in any way to these texts and have not tapped on the links. 
I did contact the fraud officer with Glacier Bank in Montana ; a very helpful woman indicated their Bank has been the subject of several scams, but she had no knowledge of either of these texts, she verified I have no account with them, and ashe suggested I report this to you. 
This may somehow be connected with a problem I am currently having with XXXX XXXX over my online opening of a " XXXX XXXX XXXX' and purchase of XXXX sizable CD 's. XXXX XXXX has frozen my accounts due to their alleged inability to verify my identification. I am trying to resolve this at this time, but XXXX XXXX is not cooperating at the moment. But these texts from Glacier Bank mysteriously arrived during my conversations with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which I am not at this point totally certain are legitimate XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-30
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: Experian Information Solutions Inc. (VA)

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (VA)

I try to pay XXXX dollars on my account due to my situation and how I can pay them and they refused my money and said they wasnt taking it and i talk to XXXX the call rep XXXX XXXX XXXX and they both denied my payment so how could I get this settled if they not taking a payment
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The IRS has sent me notice that this account has been satisfied! This account is still being reported as debt and income can not be reported as debt. 

Your company can not report income as debt. This account is settled per IRS and MUST be deleted immediately. 
I did not give permission or written consistent to furnish this information on my report. 
I am a private citizen this is in violation. I have a right to privacy. 

These are the accounts that were excepted by the IRS AND SHOULD REFLECT AS PAID as agreed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Equity is my GOD GIVEN RIGHT!
Consumer complaint received 2022-10-12
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (CO)

XX/XX/2024 Rushmore Servicing XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Co XXXX XXXX XXXX To Whom it may concern, I am writing you regarding my mortgage statement which shows that I owe {$110000.00}, I have attached my statements to show payments have been made and I have requested a payment audit be done to reflect the payments that have been made. Our monthly payments were in the amount of {$2200.00} and increased to {$2400.00} due to an increase in escrow however our monthly payments have been made in the amount of {$2300.00} which was over the monthly amount.

I called Rushmore today and spoke with two representatives XXXX XXXX XXXX to request a payment audit as I would like to know where the payment overage was applied to and also to request a payment audit be completed on this account as I do believe our account is current. 
Our mortgage has been transferred or sold, Multiple times during my XXXX  XXXX case and I believe the problem is compounded as those possible already incorrect records may or may not be accurately transferred to the new company Rushmore Servicing.

I have attached 6 months of payment statements to show payment have been made.

I am scheduled to complete my XXXX XXXX case and for the case to be confirmed I need accurate payments reflected as soon as possible. 
Thank you, XXXX XXXX
Consumer complaint received 2022-08-18
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. (TX)

Experian has my private information and are responsible to safeguard. If Experian properly investigated, they would realize XXXX XXXX XXXX XXXX ( XXXX ) did not have permission to access my report on XX/XX/2017. But instead they play the paper games with their clients. Both companies should fail because they are not professional, honest, nor doing their job. Experian is " taxing '' the US citizens by playing paper games and not safeguarding taxpayers private information.
Consumer complaint received 2022-08-18
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. (WA)

0n XX/XX/2022 I filed an Experian credit dispute requesting the Creditor provide documentation validating the reported debt on my credit report. The creditor failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Creditor failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Consumer complaint received 2020-06-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I was due to have one overdraft fee on my account, the financial institution rearranged my transactions retroactively to apply additional NSF fees. Calling to have the issue resolved helped with the first fees mentioned, however, two additional fees of {$38.00} were applied to my account. All agents and representatives advised their policy allows for two fee reversals per year. I immediately opted out of overdraft, but still remain in the negative about 3.5 hours of my hard earned labor due to this financial institutions consumer harming business practices. The file below shows reasonably the fees were legitimate, however, after contacting ALL the merchants affected, I was advised that the charge they're showing was FULLY debited from my account two days prior to this, meaning that BBVA restructured the transactions to maximize the amount of fees on my account. I have spent 14 hours on the phone between my bank, merchants, and this seems to be the final option to resolve this issue caused by predatory banking.