davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-18
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: Upgrade, Inc. (MO)

This complaint is regarding an unsecured loan with Upgrade Inc. Original amount was for a total of {$1500.00}. This amount was paid in full. However, somehow it was sold to a collection agency for a supposed amount that was not paid. I spoke with a Rep within Upgrade Inc that could not find the account, stating it had been sold to another group. She explained when these account are sold off, they no longer retain any records of these account. There was nothing she could find for me. She then further explained that at times, a missed payment fee or late fee, if left unpaid can incur other charges such as legal fees, and other non-payment penalty fees. This could possible explain why this account is showing on my credit report as over 6 months unpaid -account owing over {$8000.00}. Upgrades number is XXXX. 

I was then advised to contact XXXX about this matter, the company that had purchased this collection account. I contacted XXXX, spoke with a gal named XXXX. They simply asserted I owed that much and wanted payment. I wanted whatever proof or documentation they could show to establish the legitimacy of this claim. I strongly deny and dispute having this debt. {$1500.00} was the loan, and it was paid. They explained they did not have any records, but they have the account and want payment. 

I have submitted a formal dispute with XXXX, sent this via fax to XXXX on XX/XX/XXXX @ XXXX and XX/XX/XXXX @ XXXX. No response back from XXXX. Just collection calls. 

On XXXX XXXX I had received a letter from XXXX XXXX regarding {$7800.00} a debt they were collecting on behalf of Upgrade Inc. Somehow, they now have the account. I submitted a written dispute via certified mail, XX/XX/XXXX to XXXX XXXX. It was received per the signature card on XX/XX/XXXX. 
No response from XXXX. I have asked for proof or documentation to establish legitimacy of the amount they say I owe. I have yet to receive anything. 

I then filed a dispute with XXXX. 
Explained this matter, asked for the companies involved to furnish proof, explained they claimed they had no files or documents. It was just a purchased account for collection. I asked to have my record show that the correct amount was for {$1500.00} and was paid. Wanted the late payment dates corrected to reflect this. The results I received were that these companies state the account is valid an no changes would be made to my credit report. 

Without some sort of proof, documents, or any other substantiating paperwork, how can they say someone just owes that? What stops them from later saying I owe XXXX? This is not good at all. 
This has really damaged my credit report. I want to ask that this be corrected on my report. I did have a loan originally with Upgrade Inc., for {$1500.00}, it was paid.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My husband and I filed for bankruptcy in XX/XX/XXXX. We filed in XX/XX/XXXX and it was discharged in XX/XX/XXXX. Our home was included in this filing however, we still own and live in the home. Our lien holder XXXX, is reporting on our credit report as the first reporting date was XX/XX/XXXX and not in XX/XX/XXXX.  When questioned, they sent a letter which I will attach. I do not want this liability removed, I want it updated with the correct reporting date of XX/XX/XXXX and not XX/XX/XXXX. By XXXX not reporting this accurately, it is unjust and illegal. This is in direct violation of the Fair Credit Reporting Act. I would like this updated immediately. I have also attached our bankruptcy discharge paperwork.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (FL)

I opened a Chime Bank account in XXXX of XXXX. I immediately was locked out. I immediately emailed for assistance. It took several weeks to receive a response. They asked me to respond with sensitive private documents via email. I refused due to security concerns and asked for a secure portal to upload them. Any legitimate company, ESPECIALLY A BANK, should have a secure portal to upload documents. It took 5 months to finally receive a response from a " representative '' who provided a fake invalid link. I responded multiple times that the link does not work and they need to provide a valid one. I kept getting the same copied and pasted response. I feel this company is a scam and have asked them to close my account and delete all of my information NUMEROUS times but they refuse to. 

I filed a complaint with the XXXX where they continued to copy and paste the same response their bots emailed to me and it closed without resolution. The company is refusing to close my account. IT IS MY LEGAL RIGHT TO HAVE MY ACCOUNT CLOSED.
Consumer complaint received 2023-02-07
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: SYNCHRONY FINANCIAL (CT)

I opened an Amazon Synchony Credit card to paid for a purchase of two electric bikes on Amazon on XX/XX/XXXX for {$1300.00}. The bikes delivered about two weeks later and it was not in proper working condition. As advised by Amazon to work with the seller and I did for six months with no progress from the seller. The seller missed multiple dates that he promised to send the battery and other parts. I did everything that was asked by Amazon and seems like they are just telling me what I want to hear and buying time. The last conversation I had with Amazon in early XXXX was the purchase was too far out and they can not do anything about it. I went to Synchony Bank which is the credit card the transaction was made but they didn't help much. I have provided Synchony documents of conversations I had with the seller that he is not fulfilling his promised that Synchony should reverse the transaction. Synchony did not reverse the transaction and I'm stuck with broken bikes and {$1300.00} in debt. I'm sorry but the seller is a con-man and I'm stuck with the bill. Multiple times that this seller mentioned that he does not want his bikes back and not sending me a paid postage label. I really need help on this because I felt like Amazon, this seller and Synchony Bank are not reasoned with me and protecting the bad faith seller and I'm stuck with the bill. Any help with this would be greatly appreciate it as I don't know any other way. I do not want this to ruin my credit that I worked really hard for for many years. 

Thank you
Consumer complaint received 2021-01-27
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: CITIBANK, N.A. (OH)

This is a fraudulent debt, the company refuses to remove it off of all credit reports. Ive had a credit debt agency investigate and paid lots of money, submitted all legal documents and its still not removed. This company is violating Federal laws.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

In XX/XX/XXXX i opened a Venmo account for the sole purpose to be able to pay a bill that was in my name. 
My wife added funds to the Venmo from her account to be able to make that payment. I attempted to make the payment but it was declined by venmo due to their daily transaction limit. I was then sent an email saying my account had been frozen and asking to verify my identity. Which i did. I then Did Not get a response from Venmo until XXXX of XXXX stating that my funds had been held and that they were now available to be transferred using a standard transfer in their app. However, the app would not allow me to add any bank account to be able to initiate that transfer. I spent months trying to communicate via email because they will not speak to you over the phone. On XX/XX/XXXX i received an email stating that my funds would not be able to be released to me due to a loss Venmo had incurred due to my transactions. And the email from XXXX was sent by mistake. On XX/XX/XXXX i received another email stating that my account had been adjusted so that i can Transfer my funds to a bank account. I was Able to add a bank account this time around and i initiated the transfer on XX/XX/XXXX for the remaining balance in the account which is {$4600.00}. That transfer was then canceled by Venmo the next morning with XXXX explanation as to why. On XX/XX/XXXX i received an email stating that they can not release the funds and their policy states they can hold them for up to 180 days and if they do become available for transfer i will Be notified. After many emails sent from me i finally heard back from Venmo on XX/XX/XXXX asking for more information and asking for me to respond to an email that i never Received. Then on XX/XX/XXXX i received another email saying that my funds were available for transfer. Once again i am unable to add any bank accounts to the account. I received an email from Venmo stating they had made adjustments to my account and gave me instructions to add specific bank accounts and initiate the transfer of my funds. I was Able to again initiate the transfer for {$4600.00} on XX/XX/XXXX With the estimated arrival of the funds to be deposited on XX/XX/XXXX. Within hours that transfer was canceled by Venmo. I sent 4 emails asking why this has happened and why this keeps happening. I received an email on XX/XX/XXXX stating that i will never have access to my funds in the account with no other explanation! I have since attempted to reach back out to them with no response. 

Venmos policy states that they can hold funds in an account for up to 180 days. We are now way past that limit. I have had my money dangled in my face 3 times over the last 10 months. With little to no explanation as to why. I dont Understand how this can even be possible for them to do to their customers!

Im really hoping this will finally help me resolve this issue once and for all. It has caused great financial and emotional burden for me and my family!
Consumer complaint received 2017-08-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

On XXXX-XXXX-14, when I was only XXXX, an account was opened with XXXX XXXX. The account was sent in to PINNACLE LLC C/O RESURGENT CAPITAL SERVICES for collection for an amount of {$380.00}. At this time I was not even of legal age and nevertheless had no idea of how to apply for credit of any kind. I am positive that I did not open this account. I did not even have a cell phone at the time. I have tried to contact the company but I can not get in touch with anyone who can help me.
Consumer complaint received 2020-04-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase XXXX XXXX XXXX XXXX XXXX AZ XXXX Account number XXXX Re : Private Mortgage Insurance I am writing this letter to demand cancellation of Private Mortgage Insurance. My loan was first effective in or around XXXX of XXXX. Since then, there have been some hardships but was in good standing as of XX/XX/XXXX. The loan at that time was at least 20 % or less in equity. I believe the private mortgage insurance should have been removed at that time. Since then I did fall under unforeseen hardships and had to request a loan modification. My payment history was current for more than 12 months therefore, private mortgage insurance should have been cancelled. You had 78 % equity at that time and did not remove the PMI. There was another unforeseen hardship that lead to past due history sometime around XXXX. I have once again placed the loan in good standing with no late payments. In XXXX the property was more than 78 % equity and should have been removed. You didn't do that and I feel my rights under the Federal Homeowners Protection Act ( HPA ) was violated. Im requesting that the Private mortgage insurance be removed as of XX/XX/XXXX. I should be entitled to a refund for 6 or 7 years. Im citing the rules below for my rights. The percentage now is at least 40 %. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-02-07
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. (MS)

Equifax is not honoring their duty of accurate and correct reporting on my credit report. Equifax is inaccurately reporting a late payment on my credit report for the XXXX XXXX XXXX  account ending in XXXX. This includes a 30 day late payment reporting on XXXX XXXX XXXXXXXXThis is not correct and should report PAID AS AGREED. According to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report doesn't contain information solely as to transactions between between the consumer and the individual making the report. A transaction constitutes these late payments resulting in Equifax completely violating my consumer rights. I did not give Equifax my expressed written consent, instruction, or permission to furnish these fraudulent late payment reports on my file which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that equifax has violated my consumer rights which are federally protected under the FCRA. This inaccurate reporting is harming me and my reputation resulting in discrimination.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

I been having trouble freezing and unfreezing my security freeze online its been like this XXXX weeks or more now and XXXX having trouble seeing my updated credit score Ive contacted Equifax twice and nothing has been done to fix this
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MN)

Hello, the primary complaint is as follows : XXXX. I started a small business account many years ago. 
XXXX. The business account was not utilized a lot and thus we accumulated a lot of monthly fees. 
XXXX. We always paid the fees, etc. but ultimately without me asking, Wells Fargo closed the account, I think early in 2022. 
XXXX we received a check for the residual amount in the account in XX/XX/2022. 
XXXX the check was made out to the business account that was closed. 
XXXX. Since they closed the account they would not cash it. 
XXXX. I went to the bank on several occasions, and ultimately again today trying to find a solution. The amount of the check was small XXXX and so not worth a lot of my time, but the Wells Fargo bank branch turned me away. I asked to speak to a XXXX and they said they could not do anything. The gave me a number to call and I called this number and they passed me to another number and then passed me to another number. 
XXXX. The last call was with someone in the small business area that sends out checks. They told me the only way to do this is to go to the branch where the account was set up. 
XXXX. I have about XXXX hrs in on trying to get the check re issued in my name or cashed but no one can help. It is not worth my time and energy but on the other hand if this is the practice of the bank, they are making money off of this. strategy.
Consumer complaint received 2020-09-18
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. (MA)

Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from XXXX continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.
Consumer complaint received 2023-02-06
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-01
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 (NY)

This is a follow-up complaint from a scam issue that started with a phone call on XX/XX/24. I did not answer, and the female left a voicemail message regarding fraud on my Bank of America account with a reference number and call back number. A letter was received as well regarding the need for additional information to complete a " credit application ' with the same date and reference number as in the voicemail message. Again, I did not respond as I knew it was fraud. I have credit score services with XXXX XXXX in addition to other accounts and they allowed " Bank of America '' to run a hard inquiry on my credit report and without my consent or knowledge also on XX/XX/24. Since my initial and previous complaints here with XXXX XXXX and Bank of America no one wants to accept any fault. I received another letter from " Bank of America '' on XX/XX/24 to please call them so they can help with " my credit card request and they need additional information ''. My credit report inquiry was done by a Bank of America in XXXX XXXX XXXX. This needs to be resolved and I can't call because my calls are probably being rerouted to the scammers. These people have my phone number, name, address and email and they must have part of my SS # as they did a hard inquiry on my credit report.
Consumer complaint received 2023-02-07
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. (MI)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AL)

My name is XXXX XXXX XXXX, a customer of Transworld System. I have an unsolved issue with your company and its business practices. On XX/XX/2024, I wrote Trans World to notify them that I had overpaid my account. I included a copy of XXXX XXXX  XXXX bank statement identifying the over payment. I have not received any communication from Trans World System ; therefore, I called, and the representative continued to insist that I owed {$5000.00} and then I owed {$4000.00}. I assured them they were incorrect. In fact, I was due an overpayment refund. The manager, the representative and I was on the phone for over an hour going back and forth. The bill originated from XXXX XXXX XXXX ; therefore, I went to the XXXX branch office and asked them concerning the origination of the bill. XXXX stated the account was not paid out but had an outstanding balance of {$100.00}. 

XXXX indicated the original balance was in truth {$980.00}. Then I paid {$200.00} to XXXX that made the balance delivered to TransWorld {$780.00}. Notice Exhibit A and B there a total of 21 payments made to Trans World. The reason ( 1st I went through a divorce 2nd my beloved son was killed ). I had forgotten about the Transworld account ; therefore, my bank ( XXXX XXXX  XXXX ) continued to be mailed in the payments of {$100.00} each month until I noticed in XX/XX/2024. I had paid Transworld 21 payments of {$100.00} totaling {$2100.00}. The original balance from XXXX XXXX transferred to Trans World System was {$780.00} ( notice Exhibit C ). Trans World System uses deceptive acts to avoid reimbursing my funds. I paid Transworld System {$2100.00}. 

Deduct the transferred balance ( {$780.00} ) from the total amount paid ( {$2100.00} ) equal an overpayment of {$1300.00}. 

I have waited over two months for my refund, but the Trans World representatives and manager continue to hassle, pester, oppress, and harass me that I did not pay them. 
Please observe the facts and reimburse me my {$1300.00}. I have taken the proper actions to notify the XXXX  and FDCPA. 
I look to hear from you within 10 days of this communication.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

I have opened a checking account on XX/XX/XXXX based on promotion to receive {$500.00} bonus. I have fulfilled all the requirements for the bonus. According to the promotion the bonus was supposed to be in the account on XX/XX/XXXX. However, nothing was deposited. I went to the branch several times and opened a case # XXXX on XX/XX/XXXX at the branch. At the branch I was told that everything is in order in my account and that the case would be resolved in 5 business days. However, there is no resolution yet. The managers at the branch are neither returning my calls nor replying emails about the issue. Every time I call the main number for the bank I am told to wait longer.