davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I had a JCPenney credit card and had processed two charges via my bank, however, through the online bill pay. 

I have sent confirmation information over to Synchrony Bank who manages the JCPenney credit card accounts. Below are the dates of the payments : Payment 1 sent XX/XX/19 for {$80.00} Payment 2 sent XX/XX/19 for {$100.00} I also confirmed with my bank the payments were sent to Synchrony Bank XXXX XXXX XXXX, XXXX FL XXXX. In addition my bank has confirmed the payments were NOT returned. 

I have communicated this multiples times and Synchrony will not accept my documentation as they have referenced it is not acceptable. However, I've received a letter to inform me a credit has been processed to the account, which is then followed up with a letter rescinding the previous credit. 

There must be a way to research the payment items, I have provided Bank information, confirmation numbers, Bank Routing number, dates, amounts and times, as well as, confirming address.
Consumer complaint received 2020-11-17
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MD)

I had a dispute with a business owner of XXXX XXXX XXXX, Venmo user @ XXXX, over goods sold on Venmo 's XXXX feature that were not as described. I filed a chargeback, Claim # XXXX, with XXXX XXXX and Venmo accepted the disputed amount on XX/XX/XXXX for {$3200.00} from three transactions that were disputed with @ XXXX. 

I received an Email from Venmo on XX/XX/XXXX stating that I owed {$3200.00} for a negative balance on my Venmo account, the reason being that my bank would not cover it, specifically that it was " Returned at XXXX XXXX 's request ''. I reached out on XX/XX/XXXX to Venmo customer service explaining that XXXX XXXX is not my bank and that the information in the E-mail is incorrect since the {$3200.00} was disputed not returned, and that Venmo did not deny the chargeback from XXXX  XXXX. 

I received a response from XXXX XXXX on XX/XX/XXXX that reiterated Venmo 's terms and conditions and said they could not do anything about the disputed amount, I would need to pay it to unfreeze my account. I received another e-mail from Venmo collections threatening to collect a debt for {$3200.00} on XX/XX/XXXX. 

My complaint is that Venmo user @ XXXX is equally responsible for the disputed amount for repeatedly violating Venmo 's terms, and that Venmo is not doing enough to prevent merchants from abusing payers through their platform. On the venmo site, it states that " If you accept a Venmo payment from someone for a good or service and we later review the payment, we may reverse the payment, meaning you could lose both the payment and the item sold. This review process may not occur until after you attempt to transfer the funds out of Venmo. '' However, based on my interactions with Venmo, money transfers are not being reversed while full responsibility is being placed on the payer, despite the payee 's equal involvement with the disputed amount.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

SunTrust Bank put a hold on XXXX from my checking account to pay back a debt I wasn't aware of. This occured of XX/XX/16. My account went negative. In addition to the hold, they've also debited the same amount, essentially leaving me XXXX in the hole. I have returned item fees adding up because of this. The hold isn't set to expire till tomorrow, I can't get any information out of these people. It's almost unsurvivable.
Consumer complaint received 2016-05-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (MD)

Professional Accounting Management is reporting false information on my cr4edit report. I contacted the company ( XXXX ) XXXX to be told that they are unable to pull anything up under my name, thus being unable to address the issue
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (PA)

On thursday XX/XX/XXXX i deposited a check for XXXX and on friday XX/XX/XXXX i deposited XXXX checks for XXXX, XXXX, and XXXX. All three checks were placed on XXXX business day holds as normal and XXXX was made immediately available. Saturday morning my account went into the negatives as XXXX federal took the XXXX back and extended the holds on the checks to XXXX business days ending on XX/XX/XXXX. I called XXXX federal and escalated the call to a supervisor level. The supervisor removed the hold on some checks to bring my balance back to XXXX in the positive. I thought this resolved me issues and agreed that holding the rest of the funds till the XXXX was ok. Then on tues XX/XX/XXXX the automated banking system reapplied those removed holds taking all the money from my checking and savings and overdrawing my account to negative XXXX draining everything i had. I called navy federal back who advised me i needed to talk to the security dept. I did. Security dept told me it was because of the holds plaved on the checks and that the checks did not come back nsf so the funds will be available XX/XX/XXXX and it would straighten out then. I asked for a security supervisor and told told that none are available to speak with so i would receive a callback from a supervisor within 24-48 hours leaving my account unusable in the meantime. I called back again and got an account specialist supervisor who advised me there is nothing navy federal can do about the money that was taken from either of my accounts, or the money that was released abd taken back until the checks came off of hold on the XXXX. Meanwhile i have written two checks out that will now bounce because of these finds being given to me and removed twice. No answers can be given to me from navy federal about what to do. I keep a daily balance of XXXX or more and have never had an nsf on my account. I deposited these checks from known clients as i always do with the expectation and notification of a 2 day hold like always. The supervisor advised me that the holds were weird and abnormal. I also currently have an additional XXXX in checks that need to be deposited and am afraid of putting them into my account given the circumstances and the current negative balance. All superviors, security dept, and associates have advised me this is not my fault but there is nothing i can do until the automated system lifts my holds. I run a construction company so this threatening to put me out of business as i can not purchase materials, pay for labor and transportation, or function with no funds. This is now causing additional problems beyond just holding checks when checks can easily be verified quicker then 2-5 days. Again none of these checks have come back nsf so giving me available funds and taking them back is not right.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I had my XXXX Loan deposit into my personal account, I did not know I needed a business Loan for my sole proprietor XXXX XXXX. I tried to withdraw funds from bank this morning and I was told my account was locked until I provided XXXX, XXXX, and tax documents. But those things were not and are not required to get a loan from the XXXX. I want my funds returned to me and account unlocked.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I keep getting notified when you people need to pay attention. It was Transunion and XXXX  that is not paying attention. 
you need to send this complaint to both credit bureaus. do not keep telling me that you can only send a complaint to only 1 company when its the all 3 credit bureau companies that is listing this inaccurate impact so called company that is trying to scam me out of {$180.00} info on my credit reports. If I need to I will file this report 3 separate times to give you unprofessional people three times the mass work to follow up on. I have no issue with doing this. just get this matter solved asap. I sick of all of these scams. including yours! here is the damm number do your jobs PLEASE! 

Complaint number that you sent me to follow up on XXXX
Consumer complaint received 2022-11-16
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. (TX)

I am submitting this CFPB complaint in hopes that the fraudulent accounts and information being reported on my Credit File be removed as soon as possible. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need the following items immediately removed from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$980.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$1400.00} XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX. If you believe that the disputed items belong to me, please send me copies of proof of verification or ownership. In the absence of these documents, immediate removal of these fraud accounts will be immediately removed.
Consumer complaint received 2020-10-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Andrews & Cox, P.C. (AL)

I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to XXXX XXXX. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a XXXX dollars was made to the office of Mr. XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along

with my savings, and the two savings accounts of my XXXX  adult children. I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??
Consumer complaint received 2020-11-18
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. (CT)

XXXX is reporting inaccurate information on my credit report. Its showing an account is late when the account shouldnt be late and should be paid off and closed. Theyve lowered my credit scores because of this inaccurate information
Consumer complaint received 2020-09-22
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: CITIBANK, N.A. (CA)

I disputed an unauthorized charge made to my personal Citibank Preferred credit card from a merchant called Vivid Seats LTD on XX/XX/2020 in the amount of {$8600.00}. 
However, on XX/XX/XXXX I logged into my Citi account and became aware that Citibank resolved the dispute against me despite the evidence I presented showing the charge was unauthorized. When I last filed a complaint on CFPB, the status of the Citi dispute was CLOSED. However it has now been REOPENED and new information has come to light. 

This is related to my previous CFPB complaint XXXX, however this complaint is regarding the UNREASONABLE LENGTH OF TIME THIS COMPLAINT HAS BEEN OPEN DUE TO CITI 'S MISHANDLING OF THE INVESTIGATION. 

On XX/XX/2020, I requested the evidence that the merchant sent to Citi that resulted in their resolving the dispute against me in a phone call ( spoke to XXXX XXXX, and the rep at Citibank put in a request, stating I would receive a reply within XXXX business days. I never received said evidence. 

After I followed up AGAIN via email demanding the evidence the merchant sent, Citibank reopened the investigation and on XX/XX/2020 emailed me to inform me they had sent along my dispute to the merchant and that the merchant would have until XX/XX/2020 to reply. This is not acceptable. I opened my dispute on XX/XX/2020. Citibank did not perform even a basic investigation. They never reached out to the merchant prior to CLOSING the dispute. Only until I continued to press the issue did they EVER reach out to the merchant - FOUR months after my initial dispute date. They did not perform their basic duties to protect me, the card holder, or follow basic protocol and procedures for dispute investigations. 

It has now been 4.5 months since I opened my dispute with Citibank and to this day my dispute is still in limbo. Given Citibank 's severe mishandling of my dispute, I am requesting that Citi close the dispute in my favor immediately and return the funds to me.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MS)

On XXXX XXXX XXXX, my bank account & all of my details were mysteriously unlinked from my cashapp account & replaced with details from an unknown person. I didn't recognize the details, nor do I know how they gained access to my account. Everytime I tried to remove their info & replace it with mine, they changed it back. Infuriatingly cashapp has no option to log out of other devices or see what devices have been logged into the account. Eventually, my account was locked a few hours later. 

I got an email on XXXX XXXX, XXXX saying my account was unlocked, however in actuality my account was just deleted, causing me to lose my previous balance. I previously had {$170.00} in the cash app balance, {$100.00} worth of XXXX XXXX, & {$20.00} worth of XXXX XXXX XXXX stock all through the app. 

I have made multiple attempts to contact cashapp customer support but each time they say they will investigate the claim & then never get back to me.
Consumer complaint received 2020-09-22
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. (FL)

I am writing because I do not recognize certain items on my credit report. The accounts are listed below. I have never done business with many of these companies, and dont understand how I would owe money or have anything that would appear on my credit report from them. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

They called me trying to get my Dad, My Dad 's name is XXXX. They had the wrong XXXX and they keep calling me ( XXXX ) and leaving messages for XXXX my Dad but they had the wrong XXXX. They are such a pain. Leave me and my phone number alone.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (TX)

I do not recall owing any amount that would be in collections with Rent Debt Automated. I have tried calling several times to get more information but I have not been able to reach anyone. I have not received any information validating this debt or itemized documentation proving that the amount Rent Debt is reflecting on my credit report is accurate.
Consumer complaint received 2020-11-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

My roommate was moving out of our apartment and I was desperate to find a new roommate. I posted many ads to XXXX and XXXX and was unable to find someone who seemed legitimate or who was willing to sign a lease. While browsing XXXX one day, I saw a post from someone stating that their friend needed a room. I contacted the person per email and we began talking. They sent me a picture of a Washington driver 's license with the name XXXX, XXXX on it, so I assumed they were a real person. They told me they were working in Mississippi doing XXXX work and were soon returning to XXXX to continue work at the XX/XX/XXXXXXXXXX/XX/XXXX which has a great XXXX program. Naturally, they seemed legitimate to me, a desperate renter. After a few more days of talking and putting them in contact with my apartment manager, they began to fill out the application, which further proved their legitimacy. They were seemingly unable to submit pay stubs ahead of time, which seemed weird but not suspicious to me. They told me over email and text that they would send me a check in the mail with money for paying XXXX 's rent, as well as additional money which would need to be transferred to the moving company/persons to assist in moving XXXX 's cars and belongings. I received the check in the mail for {$2500.00}, deposited it, and assumed everything was going well. I later followed XXXX 's instructions to send the money to the moving company 's assistant " XXXX XXXX '' over XXXX on the USAA Mobile app. I sent {$1000.00} in the first transaction on the XXXX, then {$920.00} on the XXXX, and finally a payment of {$570.00} on the XXXX. XXXX told me that they needed the additional {$600.00} for moving costs because it had somehow increased. I was suspicious and asked for proof in writing, but figured that since the check was not really MY money, no harm could be done by sending the funds ( only {$570.00} of which I was able to send - XXXX 's monthly limit is {$2500.00} ). I sent XXXX the money and XXXX replied with their thanks. Then today, the XXXX, I went to the ATM after work only to be told by the machine that I had " insufficient funds. '' I found this hard to believe because I knew I had money in there this morning. I went home, confused, and called my bank after I saw that my account was in the negative XXXX $ XXXX XXXX. I called my bank and they said that the check I had deposited from " XXXX '' was altered/deemed fictitious. Following this information, I filed a police report with the XXXX Police Department and gave them the information.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays had an offer on the XXXX card : open the card, spend {$1000.00} in the first 3 months and pay the annual fee, and then get XXXX XXXX miles. I was approved for the card on XX/XX/2020, spent over {$1000.00} in the first 2 months, and paid the annual fee ( before it was due ) .Barclays shut down my card and did not give me the XXXX points. I understand issuers can shut a card for no reason, but they still owe me the XXXX miles. 

I have attached the statement showing my spend, as well as Barclays confirming I will be receiving the bonus.
Consumer complaint received 2017-06-15
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. (TX)

Experian refuses to comply with the  XXXX  ruling and block the  XXXX   XXXX  accounts that are fraud and I 've produced and given them all the information and reports required under the FACTA amendments of the fcra.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian /XXXX XXXX I enabled in XXXX Security Freeze then on XX/XX/XXXX Checked with XXXX XXXX  and score dropped Experian contacted and i reviewed Report and created dispute XX/XX/XXXX dispute result mailed By Experian to me and address/name incorrrect XX/XX/XXXX dispute result mailed by Experian to me using same name/Address as above I am unable to log on/ contact Experian locked out and call line drops my call when trying Fraud or Freeze. I spoke with XXXX XXXX XX/XX/XXXX to review my account it was transcription error on SSN. Called today XX/XX/XXXX. Unable to locate me by name/SSN/phone # /Address I need help ASAP. I need loan! 
XXXX
Consumer complaint received 2020-10-27
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. (DC)

The following accounts do not belong to me. My identity has been compromised in the past and this is the result of identity theft. It has been reported, therefore I'm demanding that this accounts be removed immediately from my credit files. 

1 ) XXXX XXXX {$500.00} 2 ) XXXX XXXX {$790.00} 3 ) XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2020-09-22
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. (AL)

I SENT LETTERS TO XXXX, XXXX, AND EXPERIAN ON XX/XX/2020 DISPUTING INACCURATE AND INCOMPLETE INFORMATION THAT THEY ARE REPORTING ON MY CREDIT REPORT.I AM ASKING ASKING FOR THE VALIDITY OF EACH NEGATIVE ACCOUNT REPORTING AND I HAVE ATTACHED COPIES BELOW.