davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (WI)

Chime " XXXX '' Refused rebuttal when they offered me for amount of XXXX which was denied. 

MY REFUND has been sitting for 75 days for said XXXX Chime disputes says they offered me a rebuttal and I said I want my XXXX that isn't supposed to be taken out since XX/XX/2021. 

Chime DENIED my refund AFTER XXXX was refunded and then XXXX was taken out again. 

CHIME was notified via APP customer service I have been fighting to get my XXXX back THEREFORE BAD BANKING LAWS, ILLEGAL ACTIVITY WRONGFUL REFUNDS HANDLING. 

I have screenshots and photos of dates and what happened. 
I was NOT given an offer rebuttal! 
SHUT DOWN CHIME!!!!!!!
Consumer complaint received 2018-02-04
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: Experian Information Solutions Inc. (MS)

Accounts ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX Inquiries ...

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   EXPERIAN XXXX XXXX XXXX XXXX I'm the victim of identity theft. I have disputed several times with Experian regarding the above mentioned accounts and inquiries. A fraud alert has been placed on my report. I've also filed a police report.
Consumer complaint received 2018-02-04
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (NJ)

My home in XXXX XXXX Florida was declared a disaster area after Hurricane Irma. As such I was able to take a 90 day forbearance and was explicitly told by the lender, Ditech, that I would have no negative marks made against my credit. During the forbearance I sold the home and the mortgage was paid off in its entirety on XX/XX/2018. I entered into contract on a new home purchase today and when my credit was examine my score had dropped from XXXX to XXXX. The very same day I went under contract Ditech reported I was 90 days delinquent on the account. I am now unable to find the loan due to the huge impact their mistake had on my credit. PLEASE HELP!
Consumer complaint received 2022-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted disputes to you, and I didn't get a response within 30 days, and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2018-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

Hello, I have submitted a complaint regarding this issue once before a few months ago and it appeared to be resolved at that moment as I was told the collections would be removed and all was settled. Here we are now in XX/XX/XXXX and this same company has placed a collections back on my account under a different collections agency. They are harassing me and hindering my credit and I request this stop immediately. 

The new collection agencys name is : XXXX XXXX XXXX  Original Creditor name : XXXX XXXX XXXX XXXX XXXX Amount : {$2400.00} My original complaint regarding this issue is copied below for reference. 

Hello, so what happened was that I had an account with XXXX XXXX XXXX for Phone, cable and Internet. During the first month of the account, we learned we were being charged for 2-3 extra phone lines which increased our bill dramatically. After complaining about this issue ( and still paying so our service didn't go out ), they did not fix the issue and it persisted. At the start of the second month, my account went into fraud and my account was shut down, this is because the 2-3 extra phone lines that they added on my account were not being used ( for obvious reasons ) and if a phone line/sim is not used for a certain time, your account goes to fraud. I then had to prove to them that I was not committing fraud. They eventually solved the issue but could not renew my account as once it goes to fraud, it can not be opened. My services such as internet, cable and phone were all shut off and I had to go to a public library to even call them and try to resolve the issue. I then talked to someone via online chat box and after much deliberation they attempted to solve the issue and only have me pay what I owed that month which was about {$95.00}. I did pay and it was resolved only for a few days and then the whole account was suspended again due to non payment, this time the payment was well over {$1500.00} as when the account went into fraud, the payment plans I had on my phones were cancelled and they attempted to charge me for 2 brand new phones even though it was supposed to be only one new phone. I do have a copy of a transcript of the conversation I had with the agent and I do have the case # with XXXX in which I tried to solve. I refused to pay this as not only were they over charging me, they weren't even giving me service and charging me for things that were not even there. They would not help me over the phone after I tried multiple times and it came to the point where I had to leave and just find another provided. I refused to pay this amount and I told them why, but they just sent it to collections and thus my credit has been held XXXX since. ATT Case # : XXXX
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Wired {$170000.00} to XXXX XXXX also known as XXXX XXXX on XX/XX/XXXX at my XXXX Bank at XXXX. XXXX XXXX was supposed to deliver me Signed contract upon receipt of my proof of money being deposited into his account. Previously we had an agreement through via email that he was going to send me his sign portion of the contract when money is deposited. When that was completed I contacted XXXX to confirm if he received wire and he said yes. Later on that evening I received a call from another promoter name XXXX XXXX that he had already had a signed Contract agreement with XXXX XXXX for that same date I agreed with XXXX. 
XXXX sent me documentation proving to me that he wired money to XXXX just like I did and he showed me his signed contract he had with him that was signed on XX/XX/XXXX from him and XXXX. I immediately called XXXX about this wrongful crime he committed and requested for XXXX XXXX to refund me back my {$170000.00}. He promised me he would and needed more time. I was Believing his lies at the time till this point when I said enough is enough. I have been more than reasonable to him.. it is not that hard to refund me back my money. 
The purpose of this wire was to book his XXXX XXXX XXXX ( stage name ) for XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX real Name is XXXX XXXX XXXX 
XXXX claims the reason for his delay to give me back my money is because of his XXXXXXXX XXXX XXXXXXXX didnt want to return it back to me. Also he mentioned that it would damage his business and relationship with XXXX which I believe was another lie to keep my money and to stall time. The next lie XXXX told me was that he was in XXXX and was receiving a XXXX XXXX dollar transaction from someone and would pay me back out of that.. according to Artie.. due to the server it wasnt allowing him to wire me the money so he needed a few days to wire me back my money, my attorney is my witness he stated that because he was on the phone with me. At this point he has forced me to report this crime because I have ran out of patience and option to try to rectify this situation with XXXX XXXX. XXXX XXXX has illegally obtain money from me by deception. He knew what he was doing this entire time and I believe XXXX XXXX knew it as well. I have lost more than {$170000.00} now.. my time, attorney fees and etc. I would like to pursue Federal legal actions against him for my lost wages and damages he has caused me personally and to my business. 

Drop box link eith XXXX & XXXX messaging each other. XXXX kept lying about returning my money back. now he is not responding nor is his bank.. JP Morgan helping me with this issue : copy or paste in web browser or click link below to view XXXX XXXX XXXXXXXX? XXXX
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (CA)

On XX/XX/2019 I called EOS CCA collection agency to work something out with my collection wich I did not know about till I checked XXXX XXXX I tried to negotiate but the only way I could was if I postdated my payments which I thought was illegal. they did offered me a discount to settle the account but the only way was to pay in full or to postdate my payments I also asked if they could either mail me or email me the offers they were giving me before I made a payment but again the only way to get it was if I postdate then payments they were asking for. 

the offers were one payment for {$1400.00} or postdate 3 payment {$400.00} before XX/XX/2019 and {$650.00} a month later and final {$650.00} the following month
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc. (UT)

CBE Healthcare is reporting 2 new collections on my credit report. I have never received one thing from them nor did I know this existed! I have tried to call them several times since I saw it on credit and its fax numbers and voicemails. I can not reach anyone. 
I contacted the hospital to see and they said nothing has been sent to collections because I have trying to get hardship. 
This is erroneous and by law they are supposed to notify me and give me a chance to dispute it. They are in violation
Consumer complaint received 2019-03-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (KY)

Became behind in payments, had to utilize XXXX XXXX for Payment. 
A bank check was sent from my bill pay and was not accepted, but returned to me. 
XXXX XXXX Payments as follows : XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$520.00} XXXX XX/XX/XXXX {$520.00} Prior to submitting any further payments, called the Mortgage company to ensure they would accept payment amounts. The answer was yes. I paid the following : XXXX XXXX {$1100.00}. The total amount was still sitting at XXXX XXXX. XXXX XX/XX/XXXX spoke with XXXX who stated that their accounts department would be open 8a-5p she would call me back. Never called. XXXX XXXX XXXX with XXXX. She did not call back. XXXX XX/XX/XXXX spoke with XXXX. XXXX called me back and said if I do not hear from him he could not get in touch with anyone. I talked to my case manager XXXX XXXX my case manager who said the funds were with XXXX because the account number was not on the transmission receipt. I called again on XXXX XX/XX/XXXX spoke with XXXX XXXX and asked if I should just get the funds and resubmit with the account number. She said yes. I also asked if they would still accept the funds. She said yes. I checked today they received the funds the same day and when I called today XXXX XX/XX/XXXX I was told by the customer rep that the funds were being sent back to me because I am five months in the rear. I was put on hold to speak to XXXX XXXX and was disconnected before I spoke with her. I called back, five minutes later and was again disconnected when transferring.
Consumer complaint received 2018-02-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (IA)

Since XX/XX/2016 I have been in foreberance and numerous times have filled out paperwork to get my payment lowered to $ XXXX/month. I am the sole income earner, my spouse is on XXXX. Im sorry, they keep telling me the lowest payment was going to be over {$300.00} a month. I make $ XXXX/hr and after all of my bills {$200.00} is pushing the max. I dont understand why they will not accept if I commit to {$150.00} a month and make it every month. I wish they would accept what I can pay each month. Why make things so difficult and stressful.
Consumer complaint received 2021-10-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TD BANK US HOLDING COMPANY (ME)

At the beginning of the week of XX/XX/XXXX I brought a {$9200.00} cashier 's check from XXXX XXXX  issued on XX/XX/XXXX with the words " void after 7 years '' printed to the right of the issue date. 

I brought it to the TD Bank in XXXX, Maine where I have an account. I gave the cashier 's check, which is valid until XX/XX/XXXX, to the teller, and the teller gave me {$9200.00} in cash. On XX/XX/XXXX I checked my account balance and discovered that my account was showing a negative balance of more than {$7000.00}. Why? Because TD Bank had deducted the {$9200.00} from my checking account and charged me more than {$80.00} in associated fees. 

When I contacted TD Bank about this, they told me that their check cashing department had returned the check for a " stale date '' because they don't accept any checks that are older than 6 months. This is despite the fact that 1 ) a teller had INDEED accepted and cashed the check 2 ) cashier 's checks are prepaid monetary instruments unlike personal checks which are a guarantee to pay 3 ) the check was still valid.

I discussed those three points with the TD Bank local branch manager, and asked what TD Bank would do if someone who didn't have an account at their bank cashed a cashier 's or traveler 's check that was more than 6 months old. Her response was that 1 ) they won't cash either cashier 's or traveler 's checks for people who do not have accounts at their bank because " all checks are the same '' 2 ) regardless of the expiration date on a check, they will return all checks more than 6 months old. 

I asked what I was supposed to do, and she said to call XXXX XXXX. After more than 90 min on hold waiting for a supervisor at XXXX  ( no one at the first level was able to help ), I was told by XXXX  XXXX  that I should call TD Bank. I called the local TD Bank back and told the manager that XXXX  XXXX  said it was a TD Bank issue. She then said that, regardless, there's nothing they can do.

When I asked the manager what I'm supposed to do now that I had neither $ XXXX fees in cash nor my perfectly valid cashier 's check, she said that I would be receiving an identical and legal reissued copy of the cashier 's check in the mail. I asked her if I could then bring that one in for cashing and she said I could not because it would have the same date as the original. I asked what I was supposed to do with it then, and she said " bring it to a XXXX branch. '' ( The nearest XXXX XXXX  is almost TWO HOURS from here. ) As it stands I'm without my cashier 's check, without the {$9200.00} that my daughter paid for the check, and without the fees incurred as a result of TD Bank cashing my valid check and then refusing to process it.
Consumer complaint received 2021-09-20
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: Chime Financial Inc (LA)

I got a credit builder card with Chime when getting the card it never said anything about a credit limit and after talking to them yesterday it never was one I was transferring my own money onto this card spending my own money then after checking my credit my score dropped from XXXX to XXXX and it was because of this card after talking to them about reporting to the Credit Bureau about credit I wasn't getting from them they said when getting a new credit card your credit score do this but the problem is they said I had a {$220.00} dollar limit that doesn't exist but they reported like it was dropping my credit score down for credit I'm not getting and will not resolve the problem they have caused me
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

First Citizens Bank not paying a new account opening bonus of {$300.00}. I fulfilled all the requirements as requested. They still did not honor the agreement for paying the {$300.00} bonus. 

My account was opened on XX/XX/20. Did the required direct deposit requirements for three months and waited for more than 120 days. Called them twice, but they refused to honor the agreement.
Consumer complaint received 2019-08-21
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. (CO)

On XX/XX/2019 I checked my credit report. I found incorrect information on Equifax. The report stated that a collection agency, XXXX XXXX XXXX XXXX, was attempting to collect {$120.00} for a bill from XXXX for XXXX XXXX provided by XXXX XXXX XXXX. I contacted new west physicians and they informed me that the person that owed them money had a different middle initial and lived at a different address. I then went through the formal dispute process that Equifax has. Today, XX/XX/2019 Equifax notified me that they verified that this item belongs to me. 
I have never received any billing for this {$120.00} from XXXX XXXX XXXX and I have never been contacted by XXXX XXXX XXXX XXXX. 
Today I contacted XXXX XXXX XXXX XXXX. They agree it is not me and are trying to fix this from their end. 
Equifax did not perform any due diligence to determine in their dispute process. I would like to formally complain about the way Equifax handled my dispute of their incorrect records. 
Thank you
Consumer complaint received 2018-04-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Global Trust Management LLC (OK)

I received an email from XXXX  stating my account had been sold off to Global Trust Management. They are located in XXXX, FL. 

They called me in XX/XX/XXXX at my work location. I did not record the date as I didn't realize they were going to call me back. They left a voice mail on my phone and another employees phone stating they were " XXXX XXXX and they have something for me and to call them at XXXX ''. The number they called from was XXXX. 
I didn't return the phone call. The next day XXXX XXXX called again and I answered and advised I could NOT receive personal phone calls at work! I hung up. 

XX/XX/XXXX bw XXXX-XXXX - received yet another phone call from them at work. Advised I have already told someone I can't receive personal phone calls at work. and disconnected the call XX/XX/XXXX -  XXXX. Received a call that went to VM. The vm was from a " XXXX XXXX '' looking for my location and left the return number of XXXX. The number on the caller id was XXXX. They are obviously spoofing local XXXX numbers to call me from and leaving a call back number to the XXXX. 

XX/XX/XXXX - around XXXX Received a call from " XXXX '' from same location looking for me. Advised this person I cant take personal calls at work and I have advised them of this repeatedly. She stated she would code my account correctly and harassed me for a phone number. I told her I didn't have one as I can't afford it right now. I told her to mail me something if they need to contact me. She stated they mailed a letter in XX/XX/XXXX, which I did NOT receive. I have yet to receive any mail from this company. She confirmed she does have my correct address. She stated that legal action is about to happen and they can save me money and hung up.
Consumer complaint received 2019-03-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MI)

In XX/XX/XXXX I was alerted through credit monitoring that a company named Hunter Warfield in XXXX, FL reported a fraudulent collection account under my name and ssn #. I immediately contacted Collection Attorney XXXX XXXX who sent a letter to the company requesting court documentation confirming the account however no court documentation or court judgments were provided. Attorney XXXX requested court documentation again in XX/XX/XXXX however Hunter Warfield failed to provide any court supported documents as required by the State of Michigan for non-payment of rent complaints. Instead the company continues to report inflated amounts for a fraudulent collection account to all 3 credit bureaus in attempts to ruin my credit. A 7 Year Fraud Alert was initiated on my accounts in XX/XX/XXXX after I received alerts for Homeland Security and the US Dept of Personnel in Washington, DC indicating that my personal information was compromised from their databases, and this information was sent to all 3 credit bureaus. The fraudulent entry of Hunter Warfield needs to be removed from my reports unless they can provide court documents, court judgments, or other court documentation for the alleged account.
Consumer complaint received 2019-03-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation (CA)

XX/XX/XXXX auto loan opened with Golden Acceptance/Relaint Financial for {$9000.00}. Auto was repossessed in XX/XX/XXXX. Lender says it sold the auto for {$150.00} and applied that to my balance. Fair markt value is {$3500.00}. 
This debt shows on my credit report as a Charged Off as Bad Debt. They keep adding interest to the amount and now its up to {$13000.00}.
Consumer complaint received 2018-02-05
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: TENET HEALTHCARE CORPORATION (FL)

XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE
Consumer complaint received 2022-10-13
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: LOBEL FINANCIAL CORPORATION (NY)

I have a car loan with a financer in XXXX. Now I live in XXXX XXXX and my vehicle is registered and insured in XXXX I want to refinance my loan because the interest is very high ( 21.99 % ), one of the requirements is the original title of the car since XXXX XXXX  is a state without a title and the title holding state law protects me, any procedure is required of the same, I have repeatedly requested the title of the car from this finance company in order to refinance it with another entity, but the finance company refuses to give me the title or to refinance the debt and argues that the contract was signed in XXXX and therefore they can not give me the title until the debt is paid, but I can no longer pay these high payments on my loan. They have not sent us a copy of the contract either because everything was online through the dealer.