davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-07
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. (TX)

I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I have a legitimate complaint that you are knowingly reporting false, inaccurate incomplete, and unverifiable information on my credit report. I have brought it to your attention now 3 time. I expect this matter to get resolved immediately. 

The items you are reporting are completely inaccurate and incomplete and unverifiable ; and this is a very serious error in reporting on your part. 

Please delete the misleading information ASAP, and provide a corrected copy of my credit profile to all creditors who have received a copy with in the last 6 months or the last 2 years for employment purposes. 

This false information reflecting on my credit profile is causing me mental, physical and emotional stress and is effecting my health. I expect this matter to be resolved immediately. If it is not I will be forced to seek further assistance from the FTC, XXXX, and my states Attorney Generals Office. 

You have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. 

The date of my first letter complaint wasXX/XX/2021. To date you have failed to follow the rules set out by the fair credit reporting act.
Consumer complaint received 2018-10-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Byrider Franchising, LLC (MA)

I was given a loan on a bad car in the amount of {$21000.00} on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX to find out my remaining balance, a woman on the phone told me {$8000.00}. I subtracted that from the loan amount to find that I already paid {$13000.00}. It was refused as a trade in at XXXX XXXX in XXXX because the car valued at {$1200.00}. I pay biweekly at XXXX XXXX so in a regular month that's about {$400.00}, but there are several months I get paid 3 times so that's about {$600.00}. I never missed or was late with a payment on anything especially this car loan. I paid all repairs out of pocket because I was too scared to go back to them. I found out in XX/XX/XXXX this year that they are being sued for predatory lending. The car valued at less that {$4000.00} when I bought it and they still sold it to me for {$13000.00} at a 19.948 % interest rate and a {$6400.00} finance charge on top of a " down payment '' of {$1700.00}, which I didn't have anyway and they let me pay off the down payment but I still had a trade in at that time which they valued very low. I got some advice from financial advisors and they told me that if I keep the car I'm losing and if I give it back I'm losing too. I can't sell it for anything close to what I owe still, not counting what I already paid. I filed a complaint with the Attorney General because I know she has a law suit against them for predatory lending. I can't afford a {$600.00} payment next month or ever again and the car isn't worth keeping anyway. I do have a child and a job that requires a vehicle. Basically they charged me {$21000.00} for a vehicle that valued less than {$4000.00} and forced a payment schedule of every payday on me. I never had a choice or say in that. I don't want anything. I only want XXXX XXXXr and CNAC to take back the car and call it even and leave my credit alone.
Consumer complaint received 2021-12-28
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, I believe it was a mistake closing my account. Im using paypal for online business, digital goods and services like XXXX  and XXXX  services since XX/XX/2022. My account : XXXX has a stuck funds of XXXX XXXX and I want to withdraw the funds for emergency purposes. Thank you for helping
Consumer complaint received 2022-01-05
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 opened a credit card account with XXXX in XX/XX/2021 this account was open for two months with payments successful, however XXXX and XX/XX/2021 I asked the bank to lower my monthly payments in an effort to stay current with my payment agreement. The bank agreed yet on my credit report months later the account reflects three negative past due balances in XXXX, XXXX and XXXX but positive on time payments in XXXX, XXXX and XXXX.
Consumer complaint received 2021-12-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CO)

I first contacted Binance.US via email XX/XX/21 because they disabled my account stating I have a returned deposit that was used in a crypto transaction, leaving your account with an unpaid balance I indeed had more than XXXX in my account at that time and also tried to deposit USD into my account but Binance.US had a hold on my account preventing me from doing so. I contacted them via email for 2 months regarding matter but no resolution. I received an email from Binance.US stating that they took the unpaid balance from my wallet but I still have can not access my account. I contacted them again regarding matter and they said I am not in an authorized state. I have not been able to trade or withdraw my money since. When I go to an authorized state I still dont have access to my account, when I try to trade or withdraw my money I get an error message from Binance.US stating account disabled, withdrawals disabled I contacted Binance.US again XX/XX/21 via and the replied with verify your identity I responded backed with a picture of my state drivers license and specific account information. I have not received a response or resolution. I again contacted Binance.US on XX/XX/21 and everyday thereafter stating I need their help withdrawing my money and deleting my account. Binance.US have replied each time stating your ticket have been updated but as of today I still can not trade, withdraw or delete my account. Its like this company is deliberately holding my money hostage and I have no access. Please help!
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MS)

PHH mortgage is reporting incorrect information to the credit bureau concerning my monthly payment. They are reporting my regular monthly payments are XXXX when they are XXXX. I have tried to talk to these people, but they insist they are not, and will not change this. I once had an escrow with PHH, and they did everything in their power to make me have an escrow account with them during the time I had my own mortgage insurance. Now they are saying I have an escrow account with them and the monthly payments are XXXX. This is not true. They are also saying I owe a balance on the escrow when I had them to close it because they were asking me to send them XXXX dollars a year just to sit in an account for mortgage when my yearly insurance premium is only XXXX. So they are reporting this to the credit bureau, which means if my monthly mortgage is XXXX, and something happens to me, and my XXXX  are left behind to pay this mortgage, or pay it off, or even if I decide to pay this off in a lump sum, this will be a problem. If they insist on saying there is a balance on an escrow account, why aren't they saying " previous escrow balance '', and not add it in the mortgage to reflect a increase in my regular monthly payment.
Consumer complaint received 2022-07-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (NV)

For hearing aids allegro credit/Synchrony bank. They took my first payment from my XXXX XXXX XXXX  account in XXXX. I returned the hearing aids/never picked them up. Made sure I got the return to XXXX XXXX. Allegro told me at least 5 times that my check is on its way. I have not received anything from them. 
Allegro phone : XXXX
Consumer complaint received 2021-06-23
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: HYUNDAI CAPITAL AMERICA (GA)

On XX/XX/XXXX, Kia Finance received a check from my car dealership and cashed the check on XX/XX/XXXX. The payment was not properly applied to my account until XX/XX/XXXX. The dealership overpaid my loan by {$700.00}. I called Kia Finance to determine when they would send me the refund amount. They told me to give them up to 30 days. I called back numerous time before and after the 30 days from XX/XX/XXXX ( which I believed should have been from XX/XX/XXXX when they received and cashed payment ) and was told that the refund is still pending. They can not answer why but it is. I called today and was told that I need wait 90 days. Kia Fianance keep extending the timeframe without explanation and reasoning. I received a letter over a month ago advising that my account was paid off and I do not owe Kia Finance any additional funds. Why are they still holding my refund for no apparent reason.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX. Balance : {$360.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2021-12-28
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: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I have filed a dispute in regards to the inaccurate information that is being reported and displayed on my credit report. It has been well over 30 plus days and I have not received any investigation results. There are a total of XXXX inaccurate accounts on my credit profile.
Consumer complaint received 2021-12-28
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: Atlanticus Services Corporation (CA)

In XX/XX/XXXX, I instructed Fortiva to close the XXXX XXXX credit card. In early XXXX, we received an invoice from Fortiva for fraudulent charges on the credit card. Around XX/XX/XXXX, Fortiva resolved the disputed charges in my favor. HOWEVER, Fortiva did not remove the late fees and interest on those late fees from the fraudulent charges. Fortiva continues to send me monthly invoices for the fees and interest on the fraudulent charges. I sumbitted disputes to the credit reporting agencies and had Fortiva removed from my credit report. Regardless, every month I get an invoice requesting payment for fees and interest that change stem from the charges that Fortiva resolved in my favor. NOBODY there will remove the fees and interest from the fraudulent charges. I continue to get harassed every month. I am certain this will go to a debt collector and negatively impact my credit. They resolved the original charges as fraud but continue to try and collect the fees and interest from the fraud. This company is criminal. This is harassment.
Consumer complaint received 2022-01-05
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. (PA)

On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

found these inquires on my credit report i did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc. (NY)

I uploaded the XXXX application to my phone. I used the account initially as a friend from abroad paid me through this application. I transferred the money to my XXXX account with the XXXX. At this point XX/XX/2021 my account was hacked and various transactions took place unknown to me. I went back on to the application in XXXX of this year to transfer once again dollar money from my chase account through Revolut to my XXXX account in sterling. One transaction went through but XXXX did not and was since transferred to a number of contacts that I do not know that are not on my phone and that are entirely fraudulent. The company resolut say they will not reimburse me and saying that these transactions are indeed me. I reported the fraudulent activity to my local police precinct and have a case number XXXX. Revolut have no option to call anyone it is purely via chat room or email. They have been thoroughly unhelpful, unprofessional and essentially calling me a liar. I am looking to of course get my money back which is in total over {$4000.00}
Consumer complaint received 2022-12-14
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. (UT)

Equifax refuse to remove unauthorized inquires on my credit report which I didn't unauthorize. Equifax states that they request, the company to send Equifax a response to my dispute and update their records and systems as necessary. Equifax hasn't sent me any proof of verification this accuracy. Equifax has sent me an email stating their systems has been breached but yet tells me their information is correct, The company states when the reporting company replies to Equifax they certify that they have followed Equifax instructions and the law. I request Equifax to provide proof that I applied for any of these unauthorized inquires on my credit report. Please verify the following XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have fraud alert and and froze my credit report after I have been informed by my bank of these inquires. I don't understand how Equifax states it's been breached but yet tells a consumer that their information is correct. Which in fact it's not accurate! this is fraud period and unauthorized
Consumer complaint received 2022-12-19
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: Experian Information Solutions Inc. (CT)

I received a call from a someone claiming to be XXXX Card who used an old phone number I do not use to convince me they were XXXX card and that they wanted to give me an additional line of credit or loan, by the time I realized these people were not XXXX XXXX it was too late. 

I called XXXX card and confirmed that XXXX did not perform a hard inquiry nor did they offer me a new line of credit or loan, their fraud and security division told me to notify the police and the credit bureaus. I was told that when contacted XXXX would confirm that they did not call me or make a hard inquiry on my credit file. 

I reported what occurred to in the town the incident occurred in XXXX XXXX, CT police department case # XXXX I also opened a dispute on XXXX
Consumer complaint received 2021-12-15
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. (PA)

Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. 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 from the Federal Trade Commissions Identity Theft affidavit. Please delete the items as soon as possible. 
Account name- XXXX Account name- XXXX XXXX XXXX Account name XXXX XXXX
Consumer complaint received 2022-07-14
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: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I used my Citi XXXX to pay {$160.00} to XXXX for an art print. I received the print, but on XX/XX/XXXX, after listing it for resale online, I found out it was in violation of the copyright of XXXX, XXXX. I contacted XXXX who refused to accept a return and/or issue a refund. On XX/XX/XXXX, I called Citi to dispute the charge. The operator said that I would receive a condition credit within 2 to 3 business days. I called back on XX/XX/XXXX to inform Citi that 3 business days had passed, but I did not have the credit. They said it would be an additional 2 to 3 business days, but could not tell me why it was extended when I asked. On the morning of XX/XX/XXXX, I received an e-mail from Citi saying that there was a document online for me to review. The document was dated XX/XX/XXXX, and said ( in part ), " During our investigation of your inquiry, the amount in question was temporarily suspended from the amount you owe. '' However, the credit still didn't show on my account. My statement was released today XX/XX/XXXX, and was dated XX/XX/XXXX ( after the date on the letter ). The statement listed the {$160.00} dispute, but did not provide any temporary credit. I called Citi to ask why, and the representative said it was because the charge was so long ago. I told her that I was told I would receive a temporary credit by 3 different representatives, all of whom knew the date of the purchase. She said the credit " will be '' issued, but when I asked her to address the letter that said it " was '' ( past tense ) already issued, she completely went silent and refused to speak to me.