davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

Good Morning ; I am a normal good-hearted tax paying citizen of the United States XXXX 

I am writing to inquire as to the reasoning that Venmo would have a money transmitter 's license if they fail to transmit money when needed. 


They have committed a most Grievous offense against me with no explanation offered whatsoever. I am stranded at a gas pump on state line late on Sunday evening without a XXXX to my name. 


I contracted XXXX  this last week and it cost me much more than I had readily available to make this trip. I borrowed money from a friend who sent it to me via Venmo and it has been locked in my account with no means to withdraw it. 


It would not withdraw directly to my linked XXXX XXXX XXXX Account, and when I try to link my debit card associated to the same account, an error appears claiming the ZIPcode, which I have had for well over a year with this very same bank account, is not valid. 


Upon attempting to send the money back to my friend, my account was locked. 


The support hotline was of zero help whatsoever and informed me that it could take up to 3 weeks to be resolved due to the high volume of cases they are handling. 


In what quasi-functioning universe is this even acceptable? 


We are talking about US DOLLARS held hostage by gross negligence. My safety is at risk. I am literally stranded. 


Being a money transmitter and accepting fees for transmitting money would insinuate the service Works without fail? That XXXX support should be accessible for ANY issue that may arise? 


I urge that this case is investigated immediately, as I am assuredly one of the few having this issue with the wit to know whom to ask and whom to report to. 


Feel free to contact me by thus email with further questions. 


My support ticket # is : XXXX Under no circumstance whatsoever should a user 's funds be locked without a given reason. This organization offers an account and routing number, a card and banking services. 


I want answers and I am scared. 


Please help. 

Attached screenshot shows I violated terms of service and doesn't explain how. By attempting to send the {$300.00} I could not withdraw BACK to the dear friend who sent it to me???? 

This is the WHOLE truth.
Consumer complaint received 2020-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc. (NC)

This seems to honestly be a scam this cash app account had my XXXX XXXX XXXX checking account linked and someone cashed out money from my account. I did a bank dispute to close that account and get a new one but cash app now is saying they dont see that when clearly the bank did and closed my account. Transactions that I disputed and provided clear proof I didnt debit they are saying needs 45 days. I need help to get my money back asap
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (CA)

Dear consumer relations, This is related to complaint ID # XXXX My recent complaint was closed without providing me with any information from experian. 

I hand wrote and sent certified mail to experian requesting the method they used to verify certain items listed in the letter I attached in the previous complaint that was sent to experian in XXXX. Under the federal fair credit act you have 30 days to reply on my dispute or the reporting agent must delete and remove those account from my credit report. No response through mail was attempted from experian. FCRA 611 ( a ) ( 6 ) ( b ) states that upon request they must provide me a description of those procedures used to determine the accuracy and completeness of the information. As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later then 15 days after receiving this request. No response was attempted through mail from experian. At this point I still have not received any information sent to my address I provided in the previous complaint.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation (IL)

Covington Credit is report a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, i called immediately and paid this off. I never received any phone calls, collection notices, or letters about this debt. This account is still reporting an balance which is erroneous. I need this fixed as soon as possible.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

on XX/XX/2022 I requested an investigation for my credit report because I seen some items reporting that I had no knowledge of. Then I noticed the inaccuracy of these accounts in which I wanted validation for them. 
XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX These accounts appear to all be closed with derogatory remarks. The information provided by each creditor can not be verified because the account numbers are incomplete.
Consumer complaint received 2024-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have a closed c/o with finger hut listed on my experian credit report. I have disputed the account well over 5 times in the year with dispute, i've listed multiple issues with the account and inaccurate information listed on my report. After filing a complaint against XXXX XXXX  with cfpb on XX/XX/XXXX, the issuing bank web bank sent me a letter dated XX/XX/XXXX claiming the account correct and valid. using the letter XXXX XXXX  sent and information listed in said letter, I disputed the finger hut account with experian again on XX/XX/XXXX and disputed almost all information listed for the account on my experian credit report. using the account information that web bank provided the following errors are listed on the account for XXXX XXXX that experian updated on XX/XX/XXXX as verified from XXXX XXXX 

CR= Experian  credit report. 
LTR= XXXX XXXX letter acct open date. 
CR-12/28/2014 LTR- XX/XX/XXXX Payments CR-XXXX, XX/XX/XXXX, XX/XX/XXXX LTR- No payments ever. 

Late payment dates CR- 30 day XX/XX/XXXX, 60 day XX/XX/XXXX, 90 day XX/XX/XXXX LTR- XXXX XXXX claims no payments ever, lists account as opened XX/XX/XXXX more than 90 days before first listed missed payment. 

Charge off CR- c/o list in XXXX LTR- XXXX XXXX lists c/o XX/XX/XXXX then lists account sold to XXXX on XX/XX/XXXX and then reports c/o after account is sold in XX/XX/XXXX. 

XXXX XXXX in their own letter lists an application for installment loan account as approved on XX/XX/XXXX, but not opened until XX/XX/XXXX. 

the account for XXXX XXXX is still currently listed on all 3 of my credit reporting agencies, almost no information is listed correctly on any of the 3 and all 3 have various missing information. 
experian lists on the account last update from XXXX XXXX  as XX/XX/XXXX, dispute sending me numerous alerts about the account information being updated from XXXX XXXX. 

The letter that XXXX XXXX sent to me about the account, in their own words claim as accurate reported information directly contradicts what experian claims as accurate infomation listed on my experian credit report. 

at this point the online experian dispute center give not updates for my disputes since XX/XX/XXXX and all email dispute updates I'm sent open into an error message. leaving me being told my disputes are updated and that information for the account has been updated. viewing my current experian report on experian 's web site along with a purchased report from XXXX on XX/XX/XXXX. no corrected information found account information listed same as the beginning of XX/XX/XXXX. all information appearing to be listed in error when compared to XXXX XXXX letter listing their accurate information about the account still listed on experian report unchanged as of- XXXX ; XX/XX/XXXX
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

I opened an account on or around XX/XX/XXXX. I setup online banking but since then have had nothing but issues accessing my account ( They block access ). It is continually blocked and I have to spend hours on the phone with customer support/ fraud specialists verifying I am who I say I am. On my last phone call XXXX setup a series of special questions ( per the customer service representative ) to avoid having to spend hours on the phone while the fraud specialist googles my name for info. Great, I thought. No such luck. While attempting to transfer money from my Ally account to another bank ( Both accounts registered to me ) my account was locked yet again. I called customer service and answered all the security questions ( the ones they assured me would verify my identity ) but no they transfer me to a fraud specialist. 

On this phone call the woman advised that she need to verify my identity with documents.

1 ). a photo front and back of drivers license.

2 ). a photo front and back of social security card 3 ). current bill i.e. credit card, utility bill 4 ). a photo of me HOLDING drivers license. 

That seemed like a lot to go through since I had already verified my identity. But, I gathered up the documents, took photos and sent them as requested. One of the photos is myself holding the drivers license. 

I called back in. Once again I was required to verify myself through with my security questions I had setup. Once again I was transferred to a fraud specialist. I explained the issue. Once again I spent another 45 mins while the fraud specialist l researched my name and came up with specific questions only I would know. Every few mins they would put me on hold, look up something and return with another question or two. Obviously, I answered all the questions correctly. Just as I believed XXXX XXXX the fraud specialist ) was about to release the block he put me on hold one last time. He came back on line " XXXX, I have one last question. When was you security card issued? '' Really? I am XXXX XXXX XXXX. I have no idea when my social security was issued. My wife ( ex wife ) and I applied for my two sons when they were 5 or 6. My parents passed away in XXXX and XXXX. Not as if I could have asked them. If I may ask to whom ever is reading this? Do YOU know when your social security card was issued? 

I understand fraud protection and the need for security but this goes beyond/ This is harassment. To make a customer call in every time the bank gets an alert and then to have to sit on the phone answering questions is ridiculous. 

As of today my account is still locked. I am a XXXX veteran on social security and the bank has blocked my only source of income. 

I have been visiting my son in XXXX California and Ally Bank did not believe I was in XXXX XXXX / XXXX XXXX California. Ive attached a photo of ME holding a newspaper. Please zoom in and see the date XX/XX/XXXX. That was yesterday.
Consumer complaint received 2020-09-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (TX)

I financed a truck through XXXX. I had a hardship in my family and filed Bankruptcy. The truck was included in the bankruptcy and the payments were made in the plan. This went on over a year. I went back to work and decided to come out of the bankruptcy and pick up my payments with my creditors. Everything is working great except XXXX are stating that I have to pay almost {$9000.00} to keep my truck. They stated to me that they were not paid through my bankruptcy. I have all of my statements from the bankruptcy court showing that they paid XXXX according to the plan each month. Now XXXX are threatening to repossess my truck.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

Wire transfer was sent on XX/XX/2019 online to a Title Company, funds were block. After several calls and month of investigations Wells Fargo Bank ask me to go to XXXX to get a licensed. Licensed was obtained XX/XX/XXXX and till today funds are missing. I have called wells Fargo several times and there is not concrete response, investigations have been closed without a resolution and no ones there knows why. Resolution, funds have not been giving back to me ; but, they never left Wells Fargo Bank.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NJ)

On the XXXX of XXXX, I had a conversation with the creditor and then six days later they reduced my credit line which is unfair, deceptive, and a violation of the equal credit opportunity act. This reduction is rooted in XXXX discrimination and national origin. They explicitly used race as assessing risk. This is the second time this creditor reduced my credit line due to race. I had a second credit card and when I made a payment of XXXX dollars they reduced my credit line the very next day which was a substantial injury to my financial well-being. This is a hardship that the creditor imposed on me due to my race.
Consumer complaint received 2020-09-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (AL)

i recently check my credit ON XXXX XXXX and seen 2 negative items from NATIONAL CREDIT ADJUSTERS SAYING THAT I OWE ( 2 ) ALLEGED DEBTS,1 FOR XXXX AND THE OTHER FOR XXXX WHICH I DO NOT OWE.I SENT THEM A CERTIFIED LETTER WITH A COPY OF BOTH LETTERS ATTACHED ASKING FOR THE INFORMATION CONCERNING THESE ALLEGED DEBTS ON XXXX XXXX, IN WHICH I HAVEN'T HEARD ANYTHING FROM THEM.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CO)

On XX/XX/22 Synchrony bank charged XXXX of interest on the promotional purchase without any warning. I have been paying on time and in excess of the minimum payment. 
Per their admission, only XXXX remained to pay off the promotional balance. 
The bank is charging interest on the total amount of the XXXX dollars which on XX/XX/22 I did not owe. They are charging me on interest I do now awe and did not agree to. 
This is predatory practice and they should be held accountable.
Consumer complaint received 2022-08-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 2020-09-10
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. (AL)

THERE ARE ACCOUNTS ON MY CREDIT THAT DO NOT BELONG TO ME. I RECENTLY LOST MY DRIVERS LICENSE AND NOW I AM SEEING THESE FRAUDLENT ACCOUNTS ON MY CREDTI PROFILE. I DID NOT OPEN NOR AUTHORIZE XXXX OF THESE ACCOUNTS OR INQUIRIES. PLEASE REMOVE THEM FROM MY CREDIT.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Name : XXXX XXXX Account Number : XXXX I applied online on XX/XX/XXXX, the account went to pending and was on hold for 41 days without any explanation, I called 5 times and was told just to wait, without any response letter or communication. 

On XXXX XXXX the hold was lifted and I got an email : " Welcome XXXX. Citi Priority offers you an integrated banking and investing experience to help you achieve your financial goals. There are just a few things to do and you'll be on your way. Activate your Citibank Debit or ATM card once you receive it. Your card will be mailed within 5 business days. '' Now back office refuses to apply/approve promotion, stating I didn't meet the requirements counting 60 days from XX/XX/XXXX to meet all the requirements. Which is incorrect, and illegitimate, the hold was placed and then removed without any explanation after 41 days from application date, and the debit card was received on XXXX and PIN on XXXX. 

Please process my promised bonus offer as soon as possible, because I met all the requirements from XX/XX/XXXX till XX/XX/XXXX.
Consumer complaint received 2022-07-31
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. (MI)

When Covid19 Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX XXXX at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip three months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to XXXX XXXX company. XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. XXXX then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with zero investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them six months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before XXXX ruined it. 

XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told XXXX is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN SIX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!
Consumer complaint received 2022-04-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (SC)

Someone used my identity to rent an apartment for XXXX XXXX. I did not authorize this transaction. Upon review of my credit report I filed a FTC identity theft report. I sent a copy to the credit bureau with a formal dispute letter. This company continues to verify to the bureaus that this debt accurate??? How can this account be accurate if it's fraud? According to the FCRA section 605 b this information should be blocked from my credit report. All collection attempt should cease. Because they refuse to follow the law and at the minimum have integrity to at least pause collection activity until a thorough investigation is completed. I was recently denied a loan because of this account. It was hurtful and embarrassing. This is Fraud Enablement and Defamation. It is morally incorrect and unfair that they do this to me. I'm the victim amd is being punished fir trying to correct a problem that I didn't cause. I never lived in this apartment or had any business dealings with them or gave them my personal information.