davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (OH)

Venmo froze my account when I reported unauthorized transactions a few months ago I don't know the exact date they told me I had to prove my identity to unfreeze my account so Friday XX/XX/XXXX I think Friday was the XXXX I finally got my ID I sent in a picture of my ID with a selfie of me holding it like they asked me to and I got an email back saying my account was permanently deactivated and they were keeping my funds for 180 days how do I get punished for somebody hacking their system and stealing my money and they did an investigation and in the investigation they found that there was unauthorized transactions I just want my money out of the account and they can close it I want nothing else to do with that account except for I want my money that belongs to me there's {$600.00} in my account that's a lot of money to just let someone take and not do nothing about I'm being evicted because I told my landlord as soon as I got my ID I would be able to get to the funds to pay my rent I'm 3 months behind he was going to let me pay that {$600.00} and now I have to move because venmo won't give me my money and I don't have the money to move now I'm going to be on the streets because of venmo
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WV)

I deposited a XXXX check that my father in law wrote to me XX/XX/XXXX. The next day my account was restricted. Citi bank asked to verify the funds, his bank wrote a letter to them. They accepted the funds and withdrew the full XXXX from his account XX/XX/XXXX. They told me they closed my account and will be issuing a check of the amount that is owed to me. To be on the look out for 30 to 60 days- the soonest I would receive a check would be XX/XX/XXXX, the latest XX/XX/XXXX. It's now XX/XX/XXXX, they're telling me to wait another 30 to 60 days. This couple months have been extremely hard on my family, we had to asked for donations for XXXX because of this situation. I'm barely making rent.. and because of all of this I'm literally on the edge of being evicted- I am falling behind on bills because they are holding my money XXXX. I have XXXX beautiful children under the age of XXXX whom I have barely been able to support. I want everyone aware of this situation. I don't wish this on my worst enemy. This is wrong. I truly don't know how they are in business. 

I have countless interactions with the business and the department that is handling my issue. As of XX/XX/XXXX they were waiting to hear back from the " back office '' regarding the release of my funds and they would be sending a check asap. But come today- mind you- it's been the first time I've heard my account was closed TODAY and now I have to wait 30 to 60 days for my XXXX check. I can not wait any longer. I need this resolved. It has caused so much distress on my family and my children. 

I have contacted the XXXX  i am waiting for a response. I have contacted the XXXX. And I have reached out to XXXX XXXX
Consumer complaint received 2020-05-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

I got an alert from XXXX XXXX today that my credit score had dropped 109 points because XXXX XXXX had reported that I was 30 days late with a payment and owed {$630.00}. They have been reporting every month that I was on time and now this. I have been paying in this loan since XXXX  and the only time I had a problem was in XXXX. My car was repossed, but I paid to get it back and have been on time since then. They only paid {$170.00} to have my car picked up and I paid them over {$500.00} to get it back, plus they were trying to collect another {$950.00} from me. Now they are claiming that in XXXX of XXXX my payment was returned and it wasn't replaced. That isn't true plus I asked them why they are waiting 27 months to report a problem. I asked them why they had not contacted me about this. I was told " we don't have to ''. I am sick of this company 's harassment and attitude. I only have XXXX payments, out of XXXX, left and they are trying to cause problems for me. I live in Social Security and can't pay more than my payment amount, pkus, they are doing this during the XXXX pandemic. They have to be stopped. I am trying desperately to keep this car, between, taxes, insurance and my payment it takes a lot of my available money.
Consumer complaint received 2023-01-17
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

I dont know who to get in touch with exactly but here is my question or need for your input. 
Around the second week of XX/XX/XXXX I called XXXX XXXXNavient to find out how much my loan would cost to pay off the entire loan. 
I was told {$34000.00}. I told XXXX with Navient that it would probably be around the second week of XX/XX/XXXX before they would receive the money. 
I was transferred to the Department of Education then and spoke to XXXX XXXX. 
I asked how could I get out of a payment, make a forbearance and she said yes and said the next due date would be XXXX XXXX. I told her the loan would be paid off by then. 
I received the money I needed to pay off the loan and sent a cashiers check to Navient on XX/XX/XXXX. It was received by them XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from Navient saying they got an overpayment and needed direction on how to process it. The date on the letter is XX/XX/XXXX. 
I called Navient and spoke with a lady named XXXX. She told me that she didnt see where this letter was sent to me and after looking at my file she told me I owed them {$220.00}. 
I asked how that was since I just payed off my loan and she told me that is what I owe. I asked to speak to her supervisor and after a XXXX minute wait I finally spoke to XXXX. 
She told me that the reason I owed the {$220.00} was because I had 10 days to pay off the loan when I called and talked to both XXXX and XXXX XXXX. 
I explained to XXXX that neither lady told me I had 10 days to pay it off. 
XXXX told me that under the circumstances I still owed that money and it is compounded daily till I pay it off. 
My question is why do I have to pay Navient the {$220.00} when I was not told I had 10 days to pay it off and had gotten a forbearance?
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$21000.00}, {$23000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (NC)

Hello, I have filed a complaint with Truist bank about funds that I did not receive. I paid for a trip through XXXX using my debit card. It was used as credit since a pin was not entered. I approved the charges but bookit cancelled my trip, without my authorization, and telling me to get refunded through my bank. Im unable to reach the merchant by phone or email since they have suspended all transactions. XXXX keeps telling me I have to go through the merchant to get refunded but they have disconnected their phones and email. This is services not rendered and am asking truist to please open my dispute back up. They keep denying my claim saying to go through the merchant. Many other customers have gotten their money back through their banks for services not rendered and used their debit card as well. Even if their trip was months away they have gotten their money back since XXXX  went and cancelled their trip and are not refunding anyone back. I have attached what XXXX is telling customers to do and how to get their money back. My trip was XXXX XXXX XX/XX/XXXX. 
Thanks, XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

I called Trans World systems about a XXXX account. We agreed on a settlement of {$78.00}. I paid them on the due date. They agreed to report the account as settled. I look at my report, the account is still there and is being reported as balance decreased. Thats not what we agreed upon. I want them to remove this account and stop reporting it on my credit like they said they would.
Consumer complaint received 2020-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

Its Cash App- On XXXX XXXX my boss sent me {$600.00}, but spelled my cash tag name wrong. We tried to request a refund and got no reply, so we have been in contact with cash app and they continue to give us the run around. Called again today on a three way call, the employee got rude and refused to help both of us, as its BOTH of our problems, and hung up. I called back and now I cant get ahold of a representative. The money was sent to a dead account, and should have been refunded by now. Im POSITIVE cash app stole that money. This is my livelihood, and theyre taking advantage of good people. Its now almost XXXX and they still have yet to resolve a 10 to 14 day issue. I have zero tolerance for people and representatives who are rude, especially to elderly people. Neither account has yet to see a refund or the money at all.
Consumer complaint received 2023-06-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC (FL)

Hello, my name is XXXX XXXX. I had a debt claim that I have arranged a payment plan for and have been paying on for months. I got a letter in the mail from a totally different debt collecter asking for the same amount. Account number XXXX. 

I want this other one taken off of my account and whatever else it is on as I have been paying on it. I also do not want my information given to anyone else. Keep your records straight and quit trying to scam people out of even more money that your Company does not even deserve. 

The one I have made the arrangement with initially is National Recovery Agency. Since XXXX continues to sell my information, illegally, I want the other one dropped off. I have already given you more than deserved at this point.
Consumer complaint received 2021-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I received an email from what looked like a Chase bank email asking me to restore access to my account. After opening that email fraudulent transactions to binance occurred for a total of {$700.00} dollars after trying to open a claim with chase 3 times they deny the claim and removed the provisional credit of {$700.00} and continue to tell me to take {$700.00} as a loss due to the fact that the transactions are being traced to my IP address on my phone. Ive spent more than 3 weeks trying to find answers for how I can get my money back and every person chase has made me speak with tells me something different. I am a XXXX XXXX I work hard for my money risking my life to save others this is completely unfair and chase doesnt care to understand there customer after almost 10 years of banking with them
Consumer complaint received 2023-01-17
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. (PA)

all 3 credit bureaus are reporting a charged off XXXX account ... ..i have challenged the 100 % accurate reporting of this account as required by law with all 3 credit bureaus as well as XXXX and each time they say that they verified the information being reported is 100 % accurate... i have challenged this about 10 times ... im looking at the inaccurate information on my credit report and i am going to point it out below and will attach a copy for your review... ..these companies are violating my consumer rights .. date of last payment XXXX XX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX date of last payment XXXX XXXXXX/XX/XXXX experian- XX/XX/XXXX XXXX XX/XX/XXXX -- -- -on the 2 year history they are also reporting XX/XX/XXXX high credit XXXX- {$2000.00} experianXXXX {$0.00} XXXX {$0.00} comments XXXX Charged off as bad debt Dispute resolved ; customer disagrees experian- Purchased by a another lender. Unpaid balance reported as a loss by credit grantor. XXXXCONSUMER STATEMENTXXXX XXXX ITEM DISPUTED BY CONSUMER XXXX- Consumer disputes after resolution Account transferred or sold
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This account was closed XX/XX/XXXX for returned payments because at the time I wasnt aware that there is a particular way that this company likes the payments to be made. I made a {$72.00} payment XX/XX/XXXX and on XX/XX/XXXX upon checking my credit report my closed account is reporting XXXX days late. I would like this removed from my report immediately. Ive continue to make payments on my account, even though they closed my account without my knowledge. This account is closed there should not be any new activity on this account.
Consumer complaint received 2023-01-17
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. (SC)

XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

XXXX has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that XXXX corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Consumer complaint received 2023-01-17
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

The reason I am filing this additional complaint is that there does not seem to be a way to update complaints once they are main. You already have 2 complaints on the same matter. 

Here is the update : There have yet to be any response from Bank of America. I filed a complaint with this through the FDIC. A bank should have a fax # and an email address in order to resolve this sort of thing, so that person who has been injured due to the bank 's incompetence should not have to file separate complaints with multiple financial regulatory and law enforcement agencies. 

This is the gist of the problem, as I am block copying this free a complain on the same matter just a few days ago. 

I have provided this information. See complaint XXXX ; Your complaint form did not allow me to add information and that is something you should fix. A key problem here relates to the Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, North Carolina, as the Bank of America has been remarkably negligent and uncooperative, not providing a valid fax # or email address. This has been going on with other victims since at least XX/XX/XXXX and with me the scam involves a bit more than {$120000.00} lost. The account with Bank of America involves XXXX XXXX, the scammer 's money mule, as well as a scammer clone of XXXX XXXX XXXX XXXX. There are numerous law enforcement and financial agencies involved. I am providing you with about 1/20 of the material I have and I would like you to look pages 1 and 2 of the PDF attachment, as they provide the account information and XXXX XXXX XXXX XXXX 's fake website, so you can see the full extent of my loss.
Consumer complaint received 2023-01-16
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. (CA)

Ive sent multiple letters to Transunion and XXXX regarding XXXX XXXX on my credit report. The Supreme Court ruled that this is not a credit transaction and I never gave permissible purpose for it to be placed on my consumer report. Id like this removed from my credit report as its reporting inaccurately and causing denials of credit and sleepless nights. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/21