davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX, I mistakenly initiated a transaction through Venmo to transfer {$1800.00} from my XXXX Checking account to my landlord XXXX XXXX. This was an overdraft which XXXX paid as a courtesy on my behalf. This was an ACH transaction with ID XXXX. Venmo attempted twice more in quick succession to withdraw {$1800.00} from my XXXX account for which I was charged two additional {$30.00} insufficient funds fees. Because the first transaction was successful neither of the subsequent transactions resulted in money transferred to Venmo. However, Venmo began showing in the app that I owed a debt for {$1800.00}, despite the funds having been withdrawn from my XXXX account. 

I have since spoken with 5 different Venmo representatives in the last 6 days. I provided the Venmo representatives with screenshots of my bank account, and the transaction ID provided above to assist them in finding the {$1800.00} Venmo seems to have lost. In the time since I opened this investigation, Venmo, despite my explicit demands on multiple occasions to multiple representatives to cease debiting actions, initiated a debit against my XXXX debit card for {$1300.00} ( the remainder of my outstanding balance with them after deduction of my in-app funds ). This transaction has caused me further financial harm and proceeded despite the open investigation I have with them into missing funds. It has been 14 days since the initial transaction, and 6 days since I opened my investigation and there has been absolutely no meaningful progress. Venmo is now completely unresponsive.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WA)

Early in the year, I changed jobs. As part of that change, my employer-provided XXXX serviced by XXXX under the brand " XXXX '', notified me in a letter on XXXX XXXX that, although the account would remain open, I would now be assessed a ludicrous {$5.00} per month, plus additional charges if I elect to receive paper statements in the mail. 

This seemed excessive, but the real kick came when I found a new XXXX provider, and went to close my XXXX account. They charge a {$25.00} fee to close the account, as well! 

This account was forced upon me by my previous employer, but now I am responsible for the costs it will take to dispose of it? That seems unfair, the costs seem high.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc. (NY)

in the month of XX/XX/XXXX I applied for an avant credit card and it was approved and while waiting for the card to arrive I received an email notification from avant customer service concerning a change of phone number request, I immediately contacted avant customer service and advised them that I made no such request and that I haven t received the credit card in the mail yet, they informed me that credit card ending in XXXX had been activated and purchases had been made I advised them that the card had never arrived and must have been intercepted in the mail and that they should cancel it and send me a new card they said they would cancel it and resend a new card to the same address and it should arrive in seven to 10 business days which would have been XX/XX/XXXX, however on XXXX the XXXX I received another email from avant stating that my new card ending in XXXX had been activated, I immediately contacted avant customer service and advised them that I had not activated nor received any credit cards and that the card had again been stolen from the mail and to cancel it, i provided them with my sisters address and asked that all correspondence by mail be sent there they mailed me a new credit card ending in XXXX to my sister address but they added all the stolen card charges to the card so I refuse to activate it, they also claimed to have conducted an investigation case XXXX for XXXX, case XXXX for XXXX, which they claimed to have uncovered evident of my activating and using the XXXX stolen cards but refuse to provide the results, they also refused to provide the stolen credit cards numbers for the police report filed for the stolen cards complaint XXXXXXXX XXXX percent XXXX, they are billing me {$1800.00} for credit cards that I never received nor activated and have damaged my credit with the XXXX credit bureaus because of my refusal to pay.i also filed a report online ne with the FTC concerning this matter.
Consumer complaint received 2022-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased my home in XXXX, XXXX from XXXX XXXX XXXX and XXXX XXXX for {$71000.00}. I began paying my mortgage through this bank until XXXX of XXXX, when XXXX XXXX XXXX acquired my mortgage. I began paying my mortgage through XXXX XXXXXXXX XXXX until XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX acquired my mortgage and I began paying them my monthly mortgage payments on my home. For 7 years, I paid my mortgage payments too XXXX Bank up until XXXX of XXXX. I was notified by XXXX Bank to start paying my payments to Bank Of America. Bank of America acquired my Mortgage between XXXX XXXX and XXXX XXXX. When I went to Bank Of America to make a payment, the bank insisted that they did not have my mortgage, and that maybe XXXX had it. I found this odd, but I assumed this was standard procedure, as we were going through a housing crisis of XXXX. I then went to XXXX to start paying my mortgage. They told me they had it, and accepted my payments. A few months later, I was given a late payment notice. Which I was shocked to receive, as I had never missed a payment on my mortgage since I purchased my home from XXXX XXXX in XXXX. On XX/XX/XXXX XXXX filed a Lins Pendens Foreclosure on my property. 

I believe that Bank of America made an error, when they informed me they didn't have my mortgage. After looking through acquisition, it appears that Bank of America was the holder of my mortgage after XXXX Bank XXXX XXXX. I had never received a written notification from Bank of America that my loan was purchased by XXXX. However, this negligence caused me to refinance my home with CitiMortgage and default on my loan, that Bank of America should have accepted my mortgage payments for. This mistake has ruined the life of me and my family for almost 20 years. I have not been able to come close to paying off my mortgage, even though I am close to paying double what the original amount was for. This is tragic and a breach of the representation and warranty owed to me.
Consumer complaint received 2022-09-03
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. (FL)

I have contacted Experian on multiple occasions regarding an account with XXXX XXXX XXXX that belongs to my ex-husband that has been reporting on my account. This account is reporting that I have an outstanding balance of {$13000.00}. which is completely false. Please see the attached bill of sale below that reflects the balance at the time this account was sold. The account was sold to a new company and the new creditor took the matter to court. The matter was voluntarily dismissed and I am not liable for this account. I have provided documentation to Experian and have requested that they remove the account from my credit report. Despite multiple disputes and submitting evidence to prove that the information on my credit report is not only incorrect but that I am not liable for the debt. Experian refuses to remove the incorrect information from my credit file which is causing financial and emotional hardship as this negative account has caused my credit score to decrease drastically. I am making one final attempt to resolve this issue on my credit file. Please see the attached documents that show the correct balance as well as the bill of sale showing that XXXX XXXX  does not own or service the account. Please also see the final court judgment stating that I was released from the debt. Per the Fair Credit Reporting Act ( FCRA ) " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. ''
Consumer complaint received 2022-07-21
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: Experian Information Solutions Inc. (GA)

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX  ACCOUNT XXXX XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 with my written instructions
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mary Jane M. Elliott, P.C. Attorneys At Law (MI)

I have been calling Mary Jane Elliott office to get information and proof of the debt Im being told I owe but Im getting voting. I have called them for over 5 years. Every year I get my taxes garnished and Im told there is nothing I can do about it unless I pay off the debit but I was told from the company the debit is from years ago that they debt wasnt owed. Im not getting sent any proof of date or payment history when asked and was finally told I can dispute it. I asked for some confirmation and they told me I couldnt get it and wouldnt receive a follow up call. All they will do is let the lawyer know I want to dispute it and thats all that will happen.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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: Experian Information Solutions Inc. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measure afterwards. I just got a duplicate drivers license and a copy of my social security card. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. These accounts are not mine, please remove them.
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: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
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: Experian Information Solutions Inc. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX {$5400.00} DPT ED/XXXX XXXX {$1300.00} DPT ED/XXXX XXXX {$5400.00} DPT ED XXXX XXXX {$2800.00} DPT ED/XXXX XXXX {$800.00} DPT ED/XXXX XXXX XXXX XXXXDPT ED/XXXX   XXXX {$2300.00} DPT ED/XXXX XXXX {$2000.00} DPT ED XXXX XXXX {$4500.00}
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (CA)

I have asked for the proper documentation numerous times from this company. Ive asked for a audit trail account notes, account ledger or accounting documents. With no reply! They are furnishing illegal information on my consumer report and has not produced the proper documentation I have asked for!
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I have been trying to transfer money out of my coinbase account, but has locked me out of buying the money I need so I can do this. I verified my account back in XXXX and then tried to make a transaction on XX/XX/XXXX and they said I have to wait until XX/XX/XXXX to make any transaction, not giving a reason why. I then called back today, XX/XX/XXXX and they sent me an email that they had verified my account and also sent me another email that I can do transactions, but I still can't make transactions. When I called back they said I had to wait more, not giving a specific time and never giving a reason.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I bought a XXXX XXXX XXXX XXXX Santander USA in XX/XX/XXXX. I fell on hard times during COVID back in XXXX and fell behind on payments as a result. The car was repossessed in XXXX of XXXX because I was behind on payments. My payments were {$330.00} per month. However, I was able to borrow {$4000.00} from my parents to pay the entire balance owed plus the repossession fee which came out to be {$4000.00} a day or so after my car was repossessed. 

Shortly after getting my car back I was hired at another company and I have been making my payments on time every single month ever since. Fast forward to XX/XX/XXXX when I finally made my last car payment and the car is officially paid off. I logged onto my credit report because my score didn't look accurate. It is showing that I don't have a current car loan -- and that my car was charged off last year after I had gotten it back and had been making regular payments. It is showing up as a charge-off and has reported it as a charge-off as recent as XX/XX/XXXX ; which is greatly hurting my credit score. 

I called Santander USA on XX/XX/XXXX and the customer service agent from the XXXX Team informed me that it is against " company policy '' to correct charge-offs once it has been issued -- XXXXeven if the consumer regained the vehicle and has paid the car off. I told her that that was an illegal and unfair business practice to report inaccurate information such as a car being charged-off when it fact the consumer has paid the vehicle off. I told her that I wanted to file a complaint and she informed me that she has logged my comments and concerns on my profile. She issued me an official letter from Santander stating that I have paid the car off in full -- which I have attached below.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX Account refuses to be removed by Equifax or XXXX XXXX. 7 years have transpired. Still being reported as of XXXX XXXX XXXX IS FULLY AWARE OF THIS, THEIR SNARKY RESPONSE IS VIEWED AS INTENTIONAL DAMAGE TO MY CREDIT REPORT FOR AN OLD EXPIRED ACCOUNT OVER 7 YEARS OF AGE. I WANT THIS ITEM REMOVED. 

XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX, L XX/XX/XXXX XXXX XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX L XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *DATE OF MAJOR DELINQUENCY 1ST REPORTED *ACTIVITY DESIGNATOR *ACCOUNT HISTORY. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months Revd Activity Designator Creditor Classification XXXX XX/XX/XXXX $ 0 Monthly 31 Closed Date of Last Reported Update Balance Amount Amount Past Due Date of Last Payment Actual Payment Amount Scheduled Payment Amount Date of 1st Delinquency Date of Last Activity Date XXXX XXXX. 
1st Rptd Charge Off Amount Deferred Pay Start Date Balloon Pay Amount Balloon Pay Date Date Closed XX/XX/XXXX {$930.00} {$930.00} XX/XX/XXXX XX/XX/XXXX {$930.00} Status Type of Account Type of Loan Whose Account Portfolio Indicator Portfolio Status Charge Off Revolving Charge Account Individual Accoun
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (PA)

I contacted Navy Federal Mortgage to apply for a home owner loan. On our initial call I told the loan agent that I own a company and that I have a new job that I am moving to XXXX XXXX XXXX to begin, AFTER I buy a house. I asked if that income could be used to determine my pre approval amount. I was told yes and for me to send in an acceptance letter from the new job. I did this XX/XX/XXXX and I was approved for the Pre approval on XX/XX/XXXX. I went through a very rigorous process. I paid for things during this process like home inspection, profit and loss statements, a second inspection, ... .etc. 4 days before closing, I get a call that said that even though there was a acceptance letter, and even though they contacted the owner of the company to verify employment, that I was denied because they could not verify my income through a pay stub. If you will read the same document that they asked me for, ( acceptance letter ) It says that I didn't start my job until XX/XX/XXXX. My closing was XX/XX/XXXX. Therefore they KNEW that there would be no pay stubs. Why would this company allow me to go through all of this, to deny me for something that they had knowledge of from the beginning. I invested time, money, energy. I started shopping for appliances, starting applying to moving companies ... ..etc.This was so wrong on so many levels. For them to be a name brand bank and for them to play with my life like this was terrible. Thank you for listening and I hope that we can resolve this
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CO)

I have my Mortgage with SLS, Specialized Loan Servicing, located in XXXX, Co. I have had my mortgage with them for several years. It was purchased from an original company I had found on line, which was a fine company. SLS makes it extremely difficult to access account information via their phone service ( phone tree ) or their web site. 

On the phone tree, today I spent 7 minutes wading through the menu options, finally getting through to an actual human. She put me on hold for 10 minutes, and then the call disconnected. 

As bad as the phone tree is, the web site is worse. I have always had trouble using their web site, in the last year I continue to get locked out or the XXXX returns a " bad request - request too long '' error message. When I called about this, after another 20 minutes of phone tree stupidity, I was told the SLSXXXX  account was wrong and they gave me a completely unrelated web address, XXXX  That worked one day, since then I have not been able to access my account on the web - same error message as the other link. Back to the terrible phone tree. Sigh.