davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Earlier this year, there was a total of nearly XXXX hacking attempts to my Venmo Account. It is account I have used once, maybe twice. 

I reached out to Venmo explaining to them that I was furious this happened, and asked if they could provide any details on the breaches, who was attempting them, what region -- they had no information. I probed them further on any potential data breach -- they had no information. 

I felt very unsafe about this. As the account was still open and active, I requested they close the account. I was told I didn't have to close the account, they could freeze it. They tried to make it seem as though closing the account and freezing the account was virtually indistinguishable. I kindly let the representative know, I didn't want to do that, because I didn't use Venmo and we should close it. I ended the call thinking the account would be closed. 

I was wrong. Venmo decided to keep the account open, but it it in a frozen status -- and they are not the same. Once an account is frozen, per Venmo, it can not be closed. In order or it to be unfrozen, Venmo is requesting my government ID ( passport, SSN, Drivers License ). This was not required when I opened the account, and had they granted my request to close it at the time of my phone call in XXXX, this would not be necessary. More importantly, the person or people trying to hack my account can still make repeated attempts while it is in this state. In fact, I myself can still log into the account do all sorts of things. So why would I have casually agreed to this, knowing that my account would not only still be in jeopardy, but that I would be riddled and pelted with endless emails of the login and hack attempts some months after raising my concerns with them. 

I have no confidence in Venmo 's ability to handle my government-level identification. They know this. They refuse to close the account, and instead, I have had several additional hacking attempts to the account. I am very concerned about Venmo 's intentions with my government-ID. I've been advised by legal counsel to absolutely never send any organization such levels of identification, if they have shown impropriety before. 

Payment apps like this, the number of subscribers or users they have is key to their market value, which is why they don't want me to close the account. It is why they manipulated their power to keep the account open, when they could have closed it. So as far as they are concern, they can continue to pander to investors that they have x, y, z millions of users -- active or inactive, it doesn't matter.
Consumer complaint received 2022-10-08
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. (FL)

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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, 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 he information is inaccurate.

Under U.S Code 1666B Billing error.
Consumer complaint received 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (PA)

The problem is with the XXXX XXXX AAdvantage card administered by Barclays. I got a call from the credit card company on XX/XX/XXXX that questioned a charge from XX/XX/XXXX on our account ending in XXXX. We said it was improper charge. As a result they suggested we close that account and were told that we would be issued a new card that we would receive in 7 to 10 days. To date, we have NOT received that card. 

I went into my account online and found that there had been charges to the NEW ACCOUNT that APPARENTLY ending in XXXX. Again, I have not received a new card OR ACTIVATED IT but there were charges anyway. Among the charges was ANOTHER FRAUDULENT CHARGE BUT TO THE NEW CARD ( XXXX ). I HAVEN'T RECEIVED OR ACTIVATED THE XXXX CARD. HOW CAN THEY ACCEPT CHARGES TO THE NEW NUMBER WHEN IT HAS NOT BEEN RECEIVED OR ACTIVATED? The suspect charges had slightly different names but were for the same amount of {$120.00}. Clearly, both were from the same company in CA. 

I called Customer Service to dispute the latest charge of {$120.00}. She closed the XXXX card ending in XXXX that I had not even received let alone activated! However, in discussing the problem with Customer Service, I accidently found out that, upon closing the second card ( XXXX ) ANOTHER CARD WAS TAKEN OUT AND ACTIVATED ending in XXXX!!! WHAT KIND OF SECURITY IS THAT???? When I complained and asked to talk to a supervisor I was cut off. 

I went back into the website and IMMEDIATELY cancelled my account. 
THIS IS GROSS NEGLIGENCE.
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 Unauthorized inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-08
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. (FL)

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, 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 he information is inaccurate.

Under U.S Code 1666B Billing error.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$250.00} on my credit report from TRANSUNION. This is extremely embarrassing and concerning. TRANSUNION does not have my authorization to share my personal information. I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the Gramm Leach Bliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo
Consumer complaint received 2022-09-22
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)

In a previous complainti stated I wanted the XXXX XXXX XXXX to be removed due to this being a fraudulent account. I submitted a credit report. The bearus accepted from the bearus " verified as accurate '' I'm asking this be removed immediately under the Fair Credit Reporting Act. I'm including license and social security to verify my identity
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has blatantly disregarded my dispute letter from over 45 days ago. The fair Credit Reporting Act allows for a timely investigation of any disputed account on my consumer report. Your company has failed to adhere to federal law and has broken the law. The only way to avoid any more liability for your company is to take the requested action below.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (KY)

THE CLOSING ATTORNEY DID NOT SEND THE COMPLETE PAYOFF ON MY FIRST LOAN, AND NOW I HAVE TWO LOANS TO PAY as the first one is still open and short of funds to terminate it ... ( this was a refi ) THEY WILL NOT ANSWER MY CALLS ( amerisave ) OR FIX THIS ... THE CLoSING ATTORNEY XXXX XXXX XXXX XXXX ) TOLD MY MORTGAGE COMPANY THEY WOULD SEND THE CORRECTED AMOUNT TWO WEEKS AGO ... XXXX XXXX XXXX FORMER MORTGAGE COMPANY ) NEVER RECD THE FUNDS ... TODAY I WAS ON HOLD 43 MINUTES AND THEN THE CLOSING ATTORNEY ( FIRST XXXX XXXX XXXX ) HUNG UP ON ME NO ONE IS RESPONDING ... THIS IS OVER A MONTH AND THIS COULD RUIN MY CREDIT ... THE PAYOFF WAS SHORTED AND I DO NOT KNOW WHYTHEY DID THAT ... WHAT I SENT THEM WAS CORRECT AS A PAYOFF, THEY PAID 2K LESS THAN WHAT WAS DUE THIS WHOLE EXPERIENCE WITH AMERISAVE HAS BEEN A NOGHTMARE RIGHT FROM THE START EVERYTHNING IS ELECTRONIC BUT THEY DONT ANSWER THE PHONE TO CLEAR UP ISSUES SO YOUR LEFT IN THE DARK OVER MOST THINGS ... NOW THIS, AND I DONT HAVE ENOUGH TO PAY TWO MORTGAGES AND IF I DONT MY CREDIT WILL BE RUINED I AM A SINGLE SENIOR XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 without my written instructions
Consumer complaint received 2020-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Today I received an alert from my XXXX report that a company pulled an inquiry. The company is FNB OMAHA and inquiry date was XX/XX/2022. 

I do not recognize this inquiry, nor did I authorize the inquiry. 

Please remove this inquiry ASAP. 

Thank you.
Consumer complaint received 2024-10-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Western-Shamrock Corporation (TX)

I have nicely ask for the calls to stop, have put this in writing. Sent proof to the executive assistant in XXXX XXXX. After, I have done all these things, along with all other dates of calls I received a call at XXXX XXXX. I want this harassment stopped, I want to know what my rights are since I have done everything like the rules state. This is not a duplicate it is a continuous of first filing. PLEASE Take Some Kind Of Action. WESTERN SHAMROCK, XXXX XXXX  XXXX.
Consumer complaint received 2022-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, a fraudster was trying to get my sim swapped in another state with XXXX. As soon as i realized this was happening I contacted Bank of America to take the necessary steps to protect both my checking and savings account. As a protection method I removed my then personal cellphone number so if they needed to authenticate me they had to use other means and a different phone number. I was assured that my account was protected. 

On Friday XX/XX/XXXX of XXXX I was again a victim of sim swap and this time they were successful. Not only they got the XXXX from XXXX but also they went to a Bank of America in XXXX XXXX California in a city that I have never lived in or do any transactions and withdrew XXXX cash form the checking account and XXXX from the savings account ( Bank of America has yet to tell me if this was cash or a check, I have no answer yet ). As the fraud was happening, I called the bank to alert them and they said the account has been secured, but it wasn't. Later that night I found out of the full amount taken. 
On XX/XX/XXXX I headed to my local branch and asked them about the process to get my money back, as expected they told me they had to perform an investigation and that with 7-10 business days they will mail or e-mail me some information about my case and then let me know about the investigation results. That day they refunded XXXX of the checking account and the week after that they gave me back the XXXX taken from my account, but nothing form my savings. 

I have been calling their fraud department, and I receive no answer as to the status of my savings and also they never communicate with me. No letter, no e-mail, no response form their team. At this point I was assured my money was safe in a bank but Bank of America has failed to refund my money or to give me any sense that they are working on the case. I asked them to send me information of the fraudster to submit to my local police so they can continue with the case and I haven't received it yet even though there are cameras and footage on the scene. 

I kept asking as to why did they send the verification text to the old number when I had already requested that number to be removed back in XXXX and no one gives me an answer.
Consumer complaint received 2021-07-07
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. (SC)

On XX/XX/2021 I sent a letter regarding the accounts on my credit report that were obtained illegally and unlawfully. Under 15 U.S. Code 1681b - Permissible purpose of consumer reports ( a ) IN GEREAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates.

I was never notified in writing or any other communication and I am appalled that these sneaky reporting agencies are sneaking around buying and selling information to determine a persons worth. I demand that these accounts be removed immediately.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I was the victim of a XXXX phishing scam via Wells Fargo Bank. Wells Fargo has denied my claim and closed the investigation. 

On afternoon of XX/XX/XXXX I received a text message indicating possible fraudulent activity on my account. I did not respond to the text but within a couple of minutes I received a call from a number in XXXX, Texas ( I live in XXXX, TX, a suburb of XXXX ) with someone telling me they were detecting fraudulent activity within our account. After doing a reverse phone number look-up, the number the caller was using appeared to be a Wells Fargo branch in Texas. 

They proceeded to tell me that the fraudulent activity was a XXXX transfer ( to the payee XXXX XXXX ) for {$3500.00} and was scheduled to go through tomorrow morning. Since I said I was not the person initiating the transfer they instructed me to hold on the line and soon a new call came though but this time the number was the XXXX Wells Fargo number. 

The person on the phone then informed me that since XXXX is a third party application that Wells Fargo could do nothing to stop the transfer and the only recourse was to pay myself the money to offset the impending XXXX transfer. 

I followed through and after the transaction was complete, I asked for a reference number for the case and they hung up. The XXXX transfer still shows in my account with myself as the payee. 

Immediately after that I knew that it had been fraudulent. I called Wells Fargo immediately and after several hours and speaking to three different people we filed a claim. I've attached all communication we have received from Wells Fargo regarding this. We do believe that we should be protected under XXXX XXXX and communicated that to Wells Fargo. We have gotten mixed messages from everyone we have spoken to, which at this point is 12+. I'm not sure what else I can do to dispute this claim and get my money back. I know this is a prevalent scam currently and am writing to file a complaint with the CFPB. If further details or additional information is needed, please contact me. I'm hopeful the people responsible for this will be help accountable and that no one else has to become a victim of this scam.
Consumer complaint received 2021-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

On or about XX/XX/XXXX, Loan Number # XXXX serviced by Specialized Loan Servicing, LLC ( hereafter called SLS and corporately owned by XXXX XXXX XXXX XXXX Specialized Loan Servicing, LLC ) was paid in full by wire transfer. Forwarding address was provided at the time of payoff thru the Settlement Attorney. SLS claims to have sent a check to the former property and the forwarding address. 

An overpayment of in excess of {$650.00} was made and the refund ( as of this complaint ) has never been received. Many attempts have been made with SLS and without any follow up. Recent attempts include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Other calls have been made and can be research if needed. 

The reply given today is that the refund is too old for SLS to provide a refund but that they would continue to research the matter. Supervisors have been requested but are never available and the Corporate Office has an endless phone transfer system. 

Lenders and Servicers are required under both Federal Law ( 12 US Code Cite 2605 and 1024.17 Escrow Accounts ) and in the Commonwealth of Virginia ( Chapter # 16,6.2-1618 ) to refund escrows and provide a timely accounting. 

Help is needed to secure the overpayment and returned to the borrow without further delay. Also, the original recorded Release or Satisfaction of Mortgage was never received ( although a copy was provided by email ).
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Requested credit report from all three credit agency 's already have filled out form requesting credit freeze : and credit report : When it comes to filling out form on line they ask for E-mail address then they want you to become a member which state u can receive a credit report @ no charge
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Medical Data Systems, Inc. (NC)

This company, in conspiracy with XXXX XXXX XXXX, for over three years, continues to fraudulently and falsely report a collections account and defame my character, alleging that I owe an amount which was covered by insurance. I continue to suffer as a consumer from this fraudulent and false reporting. Please see attachments.