davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

The life of the title loan ended XX/XX/XXXX, which I saved a copy of the sign document. Today, XX/XX/XXXX, I received an email and text stating that I needed to make a payment. When I called, the representative stated that my statement is accurate that the life of the title loan ended on XX/XX/XXXX. Upon additional investigation of my question, he stated that due late payments, my payments were applied to the principal and not interest, which I was confused as I was also paying additional late fees along with my payments. I requested to speak to a manager and the manager was very condescending and stating the document stating the end of the loan of XX/XX/XXXX is accurate but due to the residual interest of {$3500.00}, I must make additional payments. She provided two options which were re-reading my contract as well as the company sending the itemized ledger of my payments and interest and the second option was a decreased pay-off of {$2400.00} which I had until XX/XX/XXXX to make decision. Either option as I informed her was optimal as I have made all payments and end of the loan was XX/XX/XXXX. I also stated that I have had other similar loans that if there was a residual balance/interest, it would be adjusted/written off as the life of the loan has ended. Provided that she did not want to adjust the interest and only alternative is to pay off {$2400.00}, I wanted to initiate a formal complaint and grievance. The company should not have the ability or capability to continue with their predatory practices of forcing customers to pay additional interest fees after the life of the loan.
Consumer complaint received 2017-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Collections (OK)

On XXXX XXXX, 2017 I have received an alert from XXXX  that there were some changes from XXXX. There was a Debt collection from XXXX XXXX  XXXX XXXX ( sold to XXXX/XXXX ) for {$330.00}. My credit score went 60 points down. That collection is n't mine, I did n't purchase anything in there nor got any services in there. I live in Oklahoma. I immediately contacted XXXX and that collection agency about that issue. Collection agency refused to provide any evidence of that dept ( that it belongs to me ).
Consumer complaint received 2015-05-17
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: ENOVA INTERNATIONAL, INC. (NV)

I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To whom this may concern, Thank you for taking the time out of your day to read this letter. I just pulled my credit report and discovered that late payments are being reported on my consumer credit file. Im not sure if you may know, but you are violating my consumer laws by reporting this information per XXXX laws. 

These are the consumer laws that are being violated : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information.

1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - 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.

I would like all late payments to be changed as either : Pay as agreed OR Ok Please send the updated information to my mailing address listed above. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-02-08
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. (GA)

I am a victim of identity theft. I disputed items on my credit report that were not my account. Experian opened the case and then closed it without notfiying me of the response from the company XXXX Bank. XXXX Bank has opened an account in my name that is a fraudulent account. Experian is allowing the account to stay on my credit report even though it is a bogus account. Experian is reporting the wrong credit score for my credit. They do NOT allow you to speak to live representative. Experian did not allow me to dispute the item again and provide proof that it was an erroneous account. Instead, they simply disallowed me to reopen the dispute case or file a new dispute with them.
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX are trying to collect a debt from me but it is not mine. I never owed anything to Capital one. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (VT)

I manually changed the monthly payment amount for my Capital One credit card to {$1200.00}. The next day Capital One charged me for the amount I changed my monthly payment to and then also charged me again for the entire balance on my credit card {$1500.00}. I called Capital One the next day as soon as I noticed that I had been charged twice. The payment was made on the XXXX of XXXX and I called them on the XXXX of XXXX. I also checked with my bank account with XXXX XXXX  from which the funds were supposed to be drawn from, and they had no information about the transaction, and so the funds had not been withdrawn from my bank account yet. I called and spoke with XXXX Bank wh told me that Capital one should be able to cancel the transaction since the transactions had not posted on their end.I had a three way call with Capital One and XXXX XXXX. When I spoke to Capital One they informed me that the transaction had been posted to my account on their end and they hadn't receive the funds yet. The transaction had posted to my account less than 24 hours after the due date, even through every other transaction takes 2-5 business days. Capital One told me that they could not reverse the charges and told me that the only option I had to reverse the double charge was to put a stop payment in with XXXX XXXX account. XXXX XXXX was not able to do this as it would take 2-3 business days to cancel the payment, which by then the payment would have gone through on their end. So Capital One was not able to offer me any solutions for dealing with a double charge. Their systems were flawed in that they allowed for two payments to be made on the same day without having raised any questions. Their inconsistent practices with the time that it takes to process transactions created an unfair situation where I did not have enough time to adequately deal with an accidental double charge to my account. The speed at which Capital One processed the transactions prevented me from having enough time to put a stop payment in pace with XXXX XXXX. Furthermore their inability to offer any feasible options for resolving the issue is predatory as it forced me to pay they funds which I did not have at the time, and then pay them more money for late fees.
Consumer complaint received 2017-12-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

I accidentally Tried to pay my Bank of America Credit card bill with my Bank of America XXXX account which had a XXXX  balance. When I realized my error moments after doing it I cancelled the payment by hitting the " cancel '' button on the portal. I assumed that this would fix the problem. I then noticed my account having been overdrafted. I then called the XXXX  and they said they would cancel the payment and they didnt, now I keep getting overdraft fees on an empty bank account
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I have been a member of Golden One Credit Union, I was looking for a good credit card so I talked to a local representative about their XXXX  card. I was told that it was a fixed APR at 10 % as long as I am a member. I recently received a letter telling me that they were changing to a flexible rate ... I did not want that new I want what was promised me when I applied for. The closed out my card ... I want my card at the rate promised when I applied ...
Consumer complaint received 2020-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX, Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

Approximately XXXX XXXX, XXXX I contacted Experian online to place a credit freeze on my account. I did the same with all the other credit monitoring companies. On my next credit card statement I saw a recurring charge of {$21.00} to Experian had been charged. I was especially upset to see that the charge was recurring. I do not know what this charge is for and certainly did not consent to whatever they think they are doing. Today, XXXX XXXX, XXXX, I finally reached an Experian representative by telephone. She told me that she had closed the account. I asked for a confirmation, and she said the one had been sent by email. I have not received any email from Experian. I considered these actions to be fraud.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (AL)

DATE : XX/XX/XXXXXXXX TO : FAY SERVICING , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX RE : Notice of Error Mortgage Loan Number : XXXX Please accept this letter under RESPA and/ or TILA. 

I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

My account was charged a total of {$610.00} on XX/XX/XXXX that were applied toXX/XX/XXXX for fees in relation to XXXX XXXX XXXX ( attorney fees {$300.00}, {$240.00} publication cost, and sales cost {$75.00} ), in connection with a wrongful foreclosure, upon investigation XXXX XXXX XXXX stated in written and verbal response that their firm did not publish anything related to my property after XX/XX/XXXX my file was closed on XX/XX/XXXX, and my home was never sold. XXXX waived these fees onXX/XX/XXXX along with ( 2 ) two property inspection fees of {$15.00} each ( see attachment ). Please waive these bogus fees, or produce itemized invoice documentation! Accounting irregularities have existed for quite sometime now, hopefully your company can investigate and fix these errors along with others. ***Note there a difference of {$1000.00} in XXXX XXXX XXXX XXXX totals! 

P.S. Fee was not included in/ on FDCPA Validation Notice dated XX/XX/XXXX 

Thank you for your cooperation as we dont want to lose our home and this information will help us to save our home. 

If you need to contact me, I can be reached at, XXXXXXXXXXXX, or XXXX XXXX XXXX. XXXX, AL XXXX. 



Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AR)

Experian consistently keeps my credit score lower than any other bureau. They then arbitrarily lowered my score 19 points. cited no reason for lowering my score. Interestingly they lowered my score a day after i elected to not complete their Boost process. This is unfair, they are punishing people for not giving them the personal information they want.
Consumer complaint received 2018-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

A substantial amount of money was wired to XXXX ( Coinbase ) with the instructions followed down to every minute detail. The site states that transfers will be accepted same day if conditions were met. There was no warning of delays on the wire transfer page and my money has been missing for 4 days. I have contacted XXXX over 5 times and waited on hold for hours with the phone rep saying there is nothing they can do and wait for an email. I have received no resolution.
Consumer complaint received 2017-11-23
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. (AL)

I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by XXXX XXXX at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet XXXX XXXX Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XXXX XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
Consumer complaint received 2017-12-05
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. (TX)

On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (GA)

The Bureaus, INC is reporting a fraudulent alleged owed debt on all three of my credit reports. I have sent 3 separate debt validation request via certified mail and The Bureaus, INC has failed to successfully validate this fraudulent account. I am not aware of this account and I am not responsible.
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

I am on the XXXX program. XXXX has, for 180 days, failed to properly calculate the number of payments I have made on my loans. I have been paying as a XXXX employee since XXXX of 2010, and they are claiming to only have records of the XXXX payments made to them, and are " researching '' the remainder. 

Additionally they are requiring recertification XXXX months ahead of schedule.
Consumer complaint received 2017-11-23
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: U.S. BANCORP (AL)

I went car shopping at XXXX XXXX XXXX in XXXX. The sales person collected personal information in which he stated once we found a car we would move forward. Well the car I was looking for was unavailable. So we did not move forward. Well a few days later I got an alert from XXXX alerting me that my credit had been pulled by US Bank at the behest of XXXX XXXX XXXX. I called the dealership informed them that I had not given consent at which point they directed me to the sales manager who stated he mistakenly ran my credit. He then stated he would provide me a letter stating such so as to ensure I could get those inquiries removed. I provided the letter to each bank in which pulled my credit yet US Bank Refused to remove their inquiry even after numerous letters sent to them. They have yet to respond to the request in which I submitted at their behest on XX/XX/XXXX. I provided for a third time a copy of the letter from the dealership stating they pulled my credit in error.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXXX 2012 I received a 90 days in XX/2012 for {$99.00} for my student loans even though I was still in school and have n't yet graduated.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This account was paid in 2021 and the company refuses to remove the degoratory mark on my consumer reports. 

The report shows I currently owe money to your company that I have already repaid.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (NM)

I have a potentially negative account from One Main Financial. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with One Main and it still has not been removed from my credit report
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Several years ago I was granted a mortgage modification from Indy Mac Bank. Everything was great. Then my loan was sold to Ocwen Loan Servicing LLc . After several months they added XXXX in past due fees from the time during my modification process. When my modification came thru I needed to pay my new mortgage payment for 6 months ( I think may have been XXXX ) and then my mod would be complete no further charges or fees. How is it possible that 3 years later there are charges. Everything was rolled into the loan and I was in good standings with Indy Mac. now I have and additional fee that I do n't owe.
Consumer complaint received 2024-02-20
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. (GA)

XXXX XXXX XXXX XXXX. In accordance to the fair credit report Act : this creditor has violated my rights under 15 USC1681 section ( a ) ( 4 ) which states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] states : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.

15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.