davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (NJ)

MY COMPLAINT IS AGAINST VENMO I CALLED THEM TWICE XXXX XXXX XXXX XXXX 10 DAYS AGO I WENT TO TRANSFER MY FUNDS FROM VENMO TO MY CHECKING ACCOUNT TRANSFER WON'T GO THROUGH STATES MY VENMO ACCOUNT IS SUSPENDED WHEN I CALL VENMO THEY HAVE NO ANSWERS WHY MY ACCOUNT IS SUSPENDED AND TOLD ME CHECK MY EMAIL FOR RESPONSE VENMO HAS NOT EMAILED ME AND WONT ALLOW ME ACCESS TO MY FUNDS I HAVE BILLS I NEED ACCESS TO MY MONEY VENMO CUSTOMER SERVICE IS A JOKE AND VENMO SHOULD NEEDS TO BE FINED HEAVILY FOR BLOCKING ME ACCESS TO MY MONEY THANK YOU XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called to inform both card companies and credit bureaus and both were not able to assist me in resolving this issue. 

Bk of Amer XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Acrisure Mortgage Partners, LLC (GA)

I have attached all of the paperwork from FBC concerning an overage of my escrow account. I also have screen shots of the online chats with reps. I was supposed to receive {$520.00} overage as of XX/XX/XXXX which also documented my new monthly payment. When I called at the end of XXXX, the rep told me I couldn't get until I made my XXXX payment which goes against the 30 day payout law that they have breached ... THEN On XX/XX/XXXX, I went to online chat on their website, i got the first answer of it will be mailed out by XX/XX/XXXX ... then on XX/XX/XXXX, the chatroom rep told me no overage and that a {$500.00} payment to ME had been applied to the back end of the loan. NONE of the numbers on the attached paperwork add up to what they are trying to tell me, I have requested a call back FOUR TIMES and no one has called. They can not answer the question of WHERE is the money and WHY a payment of {$500.00} was made to the loan. I have requested a transcript of all the calls I made and the last rep told me to get a subpoena! I am APPALLED at the lack of knowledge, respect AND customer service. I am EXPECTING my overage payment of {$520.00} PER THEIR OWN LETTER AND FIGURES!!! This is absolutely ridiculous!
Consumer complaint received 2023-08-04
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

I used my XXXX account to send my son {$500.00} from my Wells Fargo account to his XXXX  XXXX XXXX account. My son nor his bank received the funds. on my Wells Fargo account it listed my son named twice and I was told it went to my son at another phone number. That is not possible because I only used my son phone number and his bank verified that money was never received by him. Wells Fargo showed 2 accounts with my son name yet different phone number but now its only showing one name and phone number. I think this needs to be investigated further and my {$500.00} put back in my account. No one responded to me to see who actually received the money
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 months.
Consumer complaint received 2023-08-03
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-15
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2018-01-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

automatic bitcoin transfer from coinbase to XXXX  platform stuck after depositing XXXX BTC to XXXX from external source. XXXX is the trading platform of Coinbase. 
Result : approx Eur XXXX worth of Bitcoins not accessible for approx 10 days now - Coinbase reports successful deposit from external source and reports successful auto-transfer to XXXX ( XX/XX/XXXX/XX/XX/XXXX ) - XXXX still reports transfer as pending ( status XX/XX/XXXX ) - As a result, deposited bitcoins not available on both platforms ( Coinbase and XXXX ) For approx 10 days now these funds have not been available to me to trade. They should have been available to me immediately after successful reception by Coinbase on XX/XX/XXXX, as the auto transfer from Coinbase to XXXX should have been instant. The value of the vanished bitcoins is approx Eur XXXX. 

- I created a Coinbase trouble ticket on XX/XX/XXXX, case ID XXXX, however there has been no response. 
- I created a Coinbase formal complaint ticket on XX/XX/XXXX, case ID XXXX. According to their own terms and services, they should reply within 24 hours, but there has been no response The screenshot ... .232.png attached shows : - left side : XXXX platform where the incoming deposit is shown ( XXXX XXXX - XX/XX/XXXX UTC ) which is still on " pending '' - left side : coinbase platform showing " received bitcoin XX/XX/XXXX + XXXX '' and in " transferred bitcoin to XXXX '' XX/XX/XXXX XXXX, also highlighted in front as " voltooid '' ( completed ) The screenshot ... 430.png attached shows my formal complaint The screenshot ... 536.png shows the first ticket made on XX/XX/XXXX
Consumer complaint received 2018-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

I received a collection letter from Transworld Systems and  a treath for wage garnishment for something I dont have a record that I owe money. I have no idea who they are at why am I being harassed by these company?
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (NY)

I've disputed this debt collector 's charge of 1., I never opened an account with this debt collector on XX/XX/2018, 2. I already have the original creditor XXXX on my credit report for the same amount. 3. This XXXX failed to validate ownership by bill of sale. This debt collector is placing false information on my creditor report. 
Account Details Last Reported XX/XX/2018 Collection Agency EOS CCA Original Creditor 10 XXXX Status Open Opened Date XX/XX/2018 Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1700.00} Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2023-08-04
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: JPMORGAN CHASE & CO. (OH)

Dear Sir/Madam, I am writing to appeal the decision Chase Bank made regarding my claim for reimbursement for a work trip to XXXX. The United States Department of State had issued a level three warning for US citizens just two weeks before our scheduled trip due to increased crime rates in XXXX. Our hospital canceled the trip for its employees and their families safety and well-being. 



After canceling the hotel reservation, I contacted management and requested a refund. However, they refused to acknowledge the Department of State warning, official notification for the public before they travel. I planned to stay in XXXX for three nights with my mother before she left for the United States and then travel to the second leg of my work trip further south in the XXXX. I have provided all the necessary documentation to support my claim. 

In my claim documents, I confirmed that I would not receive reimbursement from any other source. I have also contacted XXXX and XXXX, but they both refused to give me a refund or credit towards the hotel, which cost {$1800.00}. Additionally, my mother 's flight, which cost {$920.00}, is now held in credit for airlines we don't typically use. 



I received a call and voicemail from Chase Bank on XX/XX/XXXX stating that I would receive {$1800.00} back for the hotel and that in XX/XX/2024, we could receive the flight refund of {$920.00}. However, I then received an email stating that I was not receiving the refund because the reason for cancellation did not qualify for trip interruption. This is unacceptable, given that my employer canceled the trip due to a level 3 warning from the Department of State. 

I have heard of others who have had similar cases to mine and have been refunded. I request your office to mediate this matter with Chase Bank to refund my hard-earned money. 



Please let me know if you require any additional information from me to complete the refund. Thank you so much for your help in mediating and settling this matter amicably. 



Sincerely,
Consumer complaint received 2018-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (AZ)

I tried to withdraw a bitcoin from Coinbase, the transaction statue got stuck in pending.  There's no record of the transaction processing.  I've tried to contact Coinbase regarding the issue to get a refund, but have failed to hear anything back from them.  I had a similiar issue two weeks ago that caused me to miss out on a buying opportunity.
Consumer complaint received 2023-08-03
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. (LA)

This account is way too old to still be on my credit record. No information was supplied to me in line with the law. The company still has not removed this from my credit record.
Consumer complaint received 2018-02-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (GA)

I took out student loans while I was at XXXX University. The student loan total was 75,000 approximately. I have been paying on the loans for approximately 16 years and the current balance is XXXX with XXXX total I have paid currently towards interest. The company claims they told me about a graduated payment. I have no record of that in written form anywhere. I find this predatory lending. I have almost paid the entire balance of the actual loan off in interest yet I still owe MORE than the actual loan itself. This is deceitful. I was a young girl when I signed up for these loans and HAD NO IDEA that paying off the balance of these loans would put me in a financially difficult situation. Nor do I think this kind of student loan lending is fair. IT is deceptive and wrong.
Consumer complaint received 2023-08-03
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: JPMORGAN CHASE & CO. (FL)

Recently, I did an investigation on my credit report which is caused severed XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I do not have a Bank of America account or credit card. I keep getting a phone call for charges on my Back of America account. 
This is the phone number that keeps calling me. 
XXXX. 
I told them I was calling the police and they hung up
Consumer complaint received 2018-09-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OH)

I had initially called in to my auto loan company ( Ally ) to find out if I could decrease my interest rate, not because I wanted to decrease my monthly payment but wanted to pay off my loan sooner. The person I spoke with told me that this was not possible. There had been no communication since. On XX/XX/2018 at XXXX I received an email stating that my automatic payment had been cancelled. I tried logging into the company 's web portal and it informed me that my account had been closed. These were not authorized changes to my account and at no time did I verbally or in writing agree to any changes. When I contacted the company they told me that they had cancelled the automatic payments because I requested to have the loan rewritten to reduce my monthly payment by spreading my payments at the same interest rate over a longer period of time. The company insisted that no other changes were made to my account other than suspending automatic payments. I have the screenshots showing that my account was completely closed proving their lies about what was and what was not changed. Over the weekend the company was operating with an overseas call center and refused to put me in contact with someone who could have had the issue corrected. I have made 100 % of my payments on time. Now, because of the unauthorized changes to my account the company did not take the scheduled payment on time and my account is now past due, through no fault of my own. The way they had closed my account I couldn't even make a payment to my account. I was able to ultimately get escalated to XXXX XXXX at XXXX who guaranteed me that my account was corrected. I have screen shots showing that my account was in a past-due state. i asked her about this and she assured me that I would see the automatic payments start again over night, my payment would be processed and that my account was indeed in good standing. Today, I am now getting collections calls from Ally telling me that I am past due and that they want their money. My account still shows that it is in a past due state. I have literally been trying to pay them and they aren't taking the money. This is putting my account status and my credit score in jeopardy. I am looking for someone to investigate Ally the way they did XXXX XXXX. If this happened to me, it has happened to others. These types of unauthorized changes can not be legal and only benefit Ally. If I didn't read my email I would have been reporting my car was stolen three months from now and then finding out that they repossessed it after making illegal, unauthorized, changes to my account.
Consumer complaint received 2023-08-02
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. (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. 

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 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 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (SC)

I initially sent XXXX the 2021 taxes with the understanding they were not filed, and the schedule C could change depending on accurate receipt count. XXXX failed to perform her due diligence and as a result the SC First Time Home Buyer Program, and the money needed for closing until the week of our set closing date. Nonetheless she continued to pitch and sell the idea to us, having us complete and wait for something for which we were never qualified. My issue with Caliber was not the information requested but their lack of fact checking and ensuring that we could close within a reasonable period.
Consumer complaint received 2023-08-04
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-08-03
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)

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .My disputed items on my account still reporting to my credit file held with Credit Bureaus . These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Recently, I did an investigation on my credit report which is caused XXXX  XXXX upon and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15. U.S Code 1681 e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were % 100 accurate under 15. U.S.C 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TN)

Huber Warfield is trying to make me pay a debt for apartment I never stayed in. I live in Tennessee which has a 6 years limitation. The debt was created XXXX XXXX. That is 6 years. Today they increased the balance by {$20.00} which lowered my credit score on a debt pass it limitation and do not belong to me in the first place.