davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Check City Partnership, LLC (NV)

I wanted to make an additional payment toward my loan to reduce the already high interest in the amount of XXXX dollars and was told by XXXX that I could not make any additional payments below a certain amount on the loan. Check city then took my payment and lowered my first payment and when I looked at the invoice the reciept shows I only paid XXXX toward fees when it should have gone toward principle because it was an additional payment.
Consumer complaint received 2021-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (NH)

I am a member of chime online bank. On XX/XX/21 I tried to purchase gas and my debit card declined. I went into the app and saw that all of my accounts have been drained. Upon inspection, it appears that somebody hacked into my account, transferred all the money from my savings and credit builder account into my spending account, and then transferred that money to another chime user. There were multiple transfers listed on my checking account. The first was a transfer to a phone number, XXXX for the amount of {$1500.00}. The note for the transfer said bill money. The transfer was immediately returned back into my account. Minutes later. Another transfer was processed to someone named XXXX XXXX for the amount of {$1500.00} again with the note bill money. Moments later another transferred was processed to the same user for the amount of {$150.00}. Since these transactions were transfer from one chime bank account ( mine ) into another chime bank account, they settled immediately, giving me no time to dispute the claims before my money was gone. I called chime bank as soon as I noticed and was told to fill out a form and maybe I would get my money back in XXXX if chime decided the transactions were in fact fraud. I insisted that because this was an issue with their security, and happened through no fault of my own that I be returned the money stolen from me immediately. I was put on a 30 minute hold to speak to a supervisor and was then hung up on. This was not an issue of my debit card being stolen or purchasing something from a sketchy website. This was a breach in chime security. They failed to keep my money safe even though I took all necessary precautions. I have my phone on my person at all times and it is protected via Face ID and passcode. I have never shared my chime password or passcode with anybody. By refusing to take responsibility and give me back my own money, they have left me with no way to pay bills or purchase food or gas. I received no help from the company whatsoever and fear that my money will never be returned to me. My only mistake was choosing them for a bank.
Consumer complaint received 2023-05-26
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: EQUIFAX, INC. (CT)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (VA)

On XXXX I made a withdrawal to my Coinbase BTC wallet! Coinbase crashes which is not my problem and I still have bot received my BTC! It is stuck in a pending state BTC is never stuck in a pending stage for two days. 

I have reached out to support with no response I have had two other small transactions go thru but this large sum transaction I am waiting on! This is illegal for a company to keep your money!
Consumer complaint received 2017-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

My credit report is reflecting incorrect information with my  credit score  being affected due t o JC Penny reporting late payments on an account I had. I have reached out to JC Penny customer service directly and was told they would note my account and update their system and as a courtesy correct this. It has be  en 30 days and the i nformation is still the same with no correction on my credit report.
Consumer complaint received 2021-01-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MI)

To whom this may concern : XXXX XXXX XXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XX/XX/XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Consumer complaint received 2021-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I do not think this can be reasonable since this account is not mine when I was a victim of identity theft this is not unfair that this is on my credit, I do not think this can be reasonable since this account is not mine when I was a victim of identity theft this is not unfair that this is on my credit.
Consumer complaint received 2020-06-08
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. (TX)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2023-06-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-01-09
Product: Credit card or prepaid card — Store credit 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)

Last Fall I received a bill from Best Buy. I had finished paying for my computer over a twelve month period. But they were charging me for something! It turned out that they renewed a service contract on that computer without telling me they were going to do this. I called the company, told them I did not want the contract and they agreed to " take care of it. '' I continued to get bills, so I called again and complained. I told them I wanted to close the account since they had not followed through on the previous call. I continue to get bills saying that I owe them money. I called the bank which services their accounts. They referred me back to Best Buy. I called again and made sure they closed my accounts. Again they said they would take care of it. Now II find that even though the account is closed, they still claim I owe them a balance due and have reported this to the credit agencies. I disputed this through XXXX  which recognized that the account is closed but accepts Best Buy 's word that I still owe a balance ( perhaps for whatever time elapsed from the " renewal '' of the contract and my finally getting the account closed ). I do not believe I owe them any balance for something I did not authorize. I want them to remove this from my credit report, the only negative item listed there.
Consumer complaint received 2021-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I opened a new mortgage with property tax impound account with PennyMac, XXXX XXXX in XX/XX/XXXX. After 6-weeks/repeated notice that my property taxes were to be paid semi-annually, not annually, they still failed to pay taxes timely prior to delinquent date. They claim they sent the payment electronically 4 calendar days after delinquent date of XX/XX/XXXX. After 3-1/2 weeks, property taxes still show delinquent with XXXX XXXX County Tax Collector. I am in process of refinancing my mortgage for 2.25 % and am concerned this will hold up loan approval process. At my request, PennyMac closed my impound account as of XX/XX/XXXX ; I can not trust them to pay timely. I have not yet received a refund ; they can not verify check has been mailed to me. Additionally, they collected another {$620.00} in taxes on XX/XX/XXXX via auto-pay. Their system shows I have no impound account, thus a way to track the additional refund due me. At my insistence today, a PennyMac supervisor said she would refund that amount directly to my bank account.
Consumer complaint received 2021-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (MI)

On XX/XX/2019 ( 1 yrs, 5 mos ago ) I received a derogatory remark on my credit report from XXXX XXXX XXXX a debt of {$91.00}, and is now in collections with Allied business services. XXXX XXXX had put me on a payment plan of {$18.00} which I never agreed to especially when I have insurance to cover all copays and medical bills they were charging me late fees for not paying the payment plan and without any notice, I was missing payments and ended up finding out about debt when my mom received the bill. We went online and paid the bill completely and canceled the payment plan for the next time I went into Metro services but the bill still made collections I tried to call and get it removed and they wouldn't and I have received no help. It's not fair that I have to live with debt and remark on my credit that I paid and was refunded all of the late fees.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I put in a dispute for the accounts that were on my credit file that I had no knowledge of or connection too. I contacted all 3 credit bureau TransUnion, XXXX, XXXX and they didn't take care of my problem. 
This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, XXXX, and XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ._ The accounts are XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 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 XX/XX/XXXX These are all of the accounts that I need removed from my credit report .
Consumer complaint received 2022-09-11
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. (SC)

Notice to agent is notice to principle, this should serve as a written notice to the Experian that I XXXX XXXX need immediate action taken, and a copy of my consumer report within 7 days. It appears as adverse action has been taken against me, please check the following accounts for 100 % completeness and accuracy so my consumer report is fair and equitable to me : XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts and their history should be removed or reported positive.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

AFTER NUMEROUS COMPLAINTS,, BANK OF AMERICA REFUSES TO ANSWER SIMPLE QUESTIONS, THEY ARE EVASIVE AND ACT WITH CRIMINAL INTENT!!! 
ANSWER THE QUESTIONS!!! 

CAN YOU SHOW A CURRENT VALID CONTRACT WITH ME,? YES OR NO?? 

CAN YOU SHOW VALIDATION OF THE ALLEGED DEBT.? YES OR NO?? 

WHY ARE YOU REPORTING ON AN ALLEGED DEBT AFTER 7 YEARS,?? WHY WHY WHY????? TELL ME WHY YOU HAVE VIOLATED THE LAW SO MANY TIMES AND DO NOT SHOW ME AN OLD CONTRACT FROM XX/XX/XXXX-XX/XX/XXXX, ITS NOT VALID!!!!!!!!!! 

AND DO NOT SHOW ME A STATEMENT!!!!! A STATEMENT IS NOT A BILL YOU XXXX
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent XX/XX/XXXX,XX/XX/XXXX, and Transunion Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC (AZ)

On XX/XX/XXXX, I purchased a used vehicle with XXXX miles on it from XXXX of XXXX in XXXX, TN. The Bank that financed the vehicle was American Credit Acceptance. The amount financed was {$12000.00} and the Bank charged me an interest rate of 28 % stating the the finance charge would be {$13000.00} for a total car price of {$26000.00}. I signed the agreement not knowing what was and/or are legal interest rates for consumers to be charged. It seemed high, but I needed the car. My first payment was due on XX/XX/XXXX and since that time I have paid American Credit Acceptance {$10000.00}. Due to my work schedule in XXXX, my payments have been more sporadic. 

An online consumer law attorney told me that the statute for interest rates in the State of Tennessee is 8.75 %. They have charged {$7000.00} more in interest than the 8.75 % statute allows. The car 's current XXXX XXXX XXXX value is {$2100.00}. 

Yesterday, the car was repossessed due to missed payments. Had the interest rate been more in alignment with the rate listed in Tennessee 's Title 47 ; Chapter 14 statute, none of this would have occurred.
Consumer complaint received 2021-01-09
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: REGIONS FINANCIAL CORPORATION (LA)

I have filled a dispute in regards to the incorrect items on my XXXX  credit report. It had been well over 30 days and i haven't received any investigation results
Consumer complaint received 2021-01-09
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2023-07-14
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: SYNCHRONY FINANCIAL (TX)

I reached out to Synchrony Bank regarding my Sam 's Club Credit Mastercard in XX/XX/XXXX regarding a charge in the amount of {$350.00}. 
I disputed the charge due to services not being rendered by the merchant. ( XXXX XXXX ). 
Synchrony bank provided a temporary credit for a billing cycle but added the charge back twice to my account. I was told that the dispute had been resolved in my favor but I was recharged {$350.00} on XX/XX/XXXX and again on XX/XX/XXXX. 
I've made several attempts to resolve this issue and have the charges removed with no.avail. 
Each time I've spoken to representative, I'm told that it's still being researched.
Consumer complaint received 2023-05-26
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. (SC)

This is my NUMEROUS 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 XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX/XXXX  XXXX Balance : {$0.00}, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX