davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION (NY)

Coming on the heels of my several complaints against M & T Bank with your agency, I have just been informed that M & T Bank, in addition to stealing the {$20000.00} that I currently have pending complaints with your office so that they can " return it sometime in XX/XX/XXXX, '' has also dishonestly turned off the notification for any and all credit charge backs through their M & T Bank Merchant Services company, so that I can never even find out if a new credit card charge back has been lodged since they abruptly closed my account in XX/XX/XXXX. 

This they are doing precisely because I have won 100 % of all of my credit card charge backs against dishonest thieving former law firm clients, because we always keep signed retainer agreement contracts, detailed billing invoices, copies of hard legal work in well organized electronic and manila files, and other evidence which militates against losing any credit card chargeback. 

But M & T Bank, in their continued fit of bad faith, vengeance and retaliation for my having filed complaints against them with your agency, cut off our notifications through businesstrack.com and/or swipesimple.com, and now we have no idea if any credit card charge backs have come through since they shut us down in XX/XX/XXXX, and we can not even respond to them. 

This leads me to believe that if, and when, the date comes for M & T Bank to refund our stolen {$20000.00}, that not only will there be nothing left, but in fact, we may wind up owing M & T Bank if they paid anything out to these deadbeat thieving lying former clients who may have done a charge back ( because there was never any response from us ). 

Please, as always, urgently investigate this incredibly dishonest bank and its contact XXXX XXXX, XXXX XXXX XXXX XXXX XXXX M & T Bank, and advise.
Consumer complaint received 2022-11-28
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. (GA)

I called the XXXX, Experian, and XXXX after I purchased a credit report with Experian. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaints and hoping that these accounts listed below lates will be removed. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190000.00}
Consumer complaint received 2022-11-28
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. (GA)

This is my multiple endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P. (VA)

Southwest Credit Systems refuses to remove erroneous information from my credit reports. I had called them to discuss and hopefully rectify this matter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. On Sunday, XX/XX/2022, I sent an email to XXXX stating that I had called XXXX and legally recorded a XXXX representative verifying I did not owe XXXX any money, and that they'd already sent notification to Southwest Credit Systems declaring such. I also have my bank statement showing the payment in full ( {$370.00} ) to XXXX for the account in question. Southwest Credit Systems has refused to verify with XXXX that I do not owe them ( XXXX nor Southwest Credit Systems ) any money and continue to deliberately report inaccurate information to the credit bureaus. The phone number I called for Southwest Credit Systems is XXXX, and for XXXX I called XXXX.
Consumer complaint received 2022-11-28
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. (OH)

I am contacting you because the following items have been deleted from only one credit reporting agency but still appear on others and from my understanding if a account is deleted from one XXXX  the others shall follow suit and remove as well XXXX. XXXX # XXXX XXXX XXXX  # XXXX XXXX. XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (GA)

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING, I HAVE RIGHTS UNDER 15 USC 1681. 

XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE ACCORDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2022-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Being a frequent user of Venmo, I was shocked and outraged that Venmo took {$850.00} out of my account, without my permission, to reimburse someone I have never had a transaction with, who had either scammed me, or was another victim of this scam. I reached out to the Venmo customer service team on multiple occasions and was looped in circles without anyone providing an explanation or solution. 

As Venmo can clearly see when looking at my account history, I received {$850.00} from a person named XXXX who then requested the same amount sent back, saying that she had sent it in error to me. I looked at her profile, and since it appeared legitimate, I completed her request to return the {$850.00} back to her, evening out my account to where it had been before the two transactions. 

Then, a few weeks later, " Venmo Disputes '' took {$850.00} out of my account, claiming that it was the final resolution to a dispute that was filed by someone named XXXX, who my account shows is not someone I have ever had a transaction with. If this XXXX was a victim of this scam as well, her reimbursement should not be coming out of my personal account balance. 

Any time I called customer service, the agent looked through my account and understood the situation, recognizing that I should not be held liable for that money. However, they could not do anything about it, since it needed to be handled by the Venmo Disputes department, who are not available by phone. The agent would " reescalate the case '' with their thorough notes on our conversation, but any responses from the Venmo Dispute team were fully automated and did not address my questions whatsoever. They merely stated that they had fought on my behalf, but did not win, so the case was closed. 

Venmo taking money out of my personal account to contribute to this scam is completely unacceptable and a poor business practice. I should by no means be held liable to return {$850.00} to anyone.
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV FUNDING INC, have not responded, nor provided sufficient documentary evidence to validate an alleged debt that they state I owe. On XX/XX/XXXX, I sent a notice of cease and desist via US Certified mail. They received the notice XXXX XXXX. It is now XX/XX/2022 and they have continued to communicate inaccurate information to my consumer reports. I have not contracted to any agreement with this company and have not been provided any information that states otherwise.
Consumer complaint received 2022-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

My card was declined due to potential fraud. I called the Citibank number on the back of the card. In order to verify my identity, they put me through a series of inconvenient and weird hurdles. They wanted to call the receptionist at my employer. I tried to explain the company I work for is a very large corporation, its Saturday, and they do not normally verify employment. Eventually I was able to convince them to verify through an alternate method. They then asked to verify by calling another credit card company. They would need my full card number. I refused to do this due to how suspicious this seemed. I also have XXXX other cards with the same bank so this seems unnecessary. They then tried to verify my phone number through the provider but were not able to do so. Eventually they just called my number ( the same one I was calling from ) and that was sufficient verification. Overall this is an entirely inconvenient and dumbfounding process that does not inspire confidence in Citis capabilities. Asking for my full card number at another bank when they are also privy to all of my other information is worrying and I wouldnt be surprised if fraud occurred as a result of this process.
Consumer complaint received 2022-11-26
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: GOLDMAN SACHS BANK USA (PA)

I used my apple card by Goldman Sachs to purchase an XXXX XXXX XXXX  from apple with XXXX interest financing. I elected to trade in my old phone at that time. When my phone arrived I was given a box and shipping label to ship back my old phone for trade in, which I did. My trade in allowance of {$640.00} was credited to my account on XX/XX/19 but instead of being applied to my no interest installment account for the new XXXX it was accidentally applied through no fault of my own as a payment to my account. This made my account have a positive balance of + {$640.00}, even though I have an installment balance of - {$1100.00} for the new iphone. The apple card specialists have informed me that there is NO way for me to apply my positive balance to my negative installment balance, they can not write me a check or give me any sort of refund for my positive balance, and there is no way for me to pay off my installment balance whatsoever. The only thing I can do is wait for my monthly installment payments to slowly drain away the positive credit on my account, month to month. I can not pay off my phone early, there is no way for me to make an additional payment to apply to my installment. Because of a mistake on their end they are trying to force me to either use up my credit balance with purchases which I never intended that money to be used for, or to wait for months or years for that money to be slowly drained by monthly automated installment payments. This would in effect mean that they are holding my money, interest free and forcing me to carry a balance that I dont need, havent agreed to, and could easily be paid down if they simply applied the money that is already in my account to the installment balance which is also on my account.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 the information is inaccurate.
Consumer complaint received 2022-11-26
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. (PA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 u.s.c 1681 section 602 states I have the rights to privacy 15 u.s.c 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions under 15 u.s.c 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose
Consumer complaint received 2022-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC (MI)

I received a letter from Certegy Payment Solutions , LLC ( XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX ) in early XXXX, stating that their records indicate I authorized an electronic funds transfer at a XXXX XXXX in the sum of {$290.00} and that my financial institution wouldn't process the transaction and to call them to get it sorted and pay the {$290.00}. 

This seemed like a phishing attempt to me because : XXXX. I've never shopped at XXXX XXXX. 
XXXX. The check number that's supposedly mine that they listed on the letter is a check number much higher than I've ever had printed. 
XXXX. They don't have correct information about my name. 
XXXX. The place on the letter where they are to list my bank institution is blank. 
XXXX. They claim the check was written at the XXXX XXXX on XX/XX/XXXX and I was out of town then. 

It felt so strongly like a scam that I ignored the letter. It's been less than a month since I received it. But I've just now opened the mail and found a letter from XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX ) stating they are a debt collector and trying to collect a debt I owe to Certegy Payment Solutions , LLC. 

I'm not sure what to do next. I haven't contacted either Certegy or XXXX because I don't want them to have my phone number or any other information about me. I wouldn't even know who to contact first. Can you please let me know what to do in this situation?
Consumer complaint received 2018-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (TN)

I Hired a 3rd party company to assist me in the loan modification process cause my lender will not doing nothing to help me save my home. 
my file was submitted to my lender for mortgage assistance and this was the response from my lender to the 3rd party helping me INC CALL FROM XXXX AT LENDER OFFICE SHE STATED THAT THEY JUST FINISHED WITH AN EVALUATION FOR ASSISTANCE IN XX/XX/2018 AND WAS DENIED BECAUSE THERE IS NO SIGNAFICANT CHANGE IN HIS INCOME THEREFOR HE DOES NOT QUALIFY FOR A RESTRUCTURE THE ONLY THING HE CAN DO IS REINSTATE THE LOAN OR DO A SHORT SALE - XXXX XXXX ( XX/XX/2018 XXXX XXXX - PST ) so you know there has been a change in more then just one thing in my situation and cause I think it was not substantial to the lender to say, there is not any significant change. XXXX XXXX   sent in a appeals for this to the lender and they still denied me for any assistance, I told them that I would take a higher payment cause I can afford that now as my situation has changed. I even offered them a large down payment as well, and they still denied the process.
Consumer complaint received 2022-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1600.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Consumer complaint received 2022-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$2900.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Consumer complaint received 2022-11-26
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: LEXISNEXIS (MN)

I contacted Lexis Nexis by phone, in XX/XX/2022, regarding 8 inaccurate XXXX XXXX claims records they have attached to my consumer record. These inaccurate records caused my auto insurance premiums to increase by 150 %. 

Nexis Lexis initiated their dispute process and informed me they would respond within 30 days, which they did on XX/XX/2022. Their " investigation '' process determined the claims to be accurate and have not removed them from my record. They also furnished me with a full copy of my record which I then analyzed it myself and found no less than : - XXXX incorrect Identification Records- XXXX incorrect Address Records- XXXX incorrect Insurance Policy Records - XXXX incorrect XXXX XXXX - XXXX incorrect Auto Insurance Claim Records All the errors in my record seem to involve an individual, by my same name - XXXX XXXX, who lives in XXXX  and is a XXXX XXXX. I have never lived in XXXX  or held a drivers license in that state. I have lived in XXXX  my entire life and have only held a XXXX  drivers license. 

I honestly have no idea how anyone at LexisNexis who read the report, that they supplied, could not see the sheer volume and scope of errors, discrepancies and inconsistencies throughout my record. I was mortified and it was clear to me that no one actually looked at my record to determine what was happening. 

This is important personal information that effects all aspects my financial life and employment, etc, and it needs to be corrected ASAP. 

Thank you for your assistance in this matter!