davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IL)

Venmo deactivated my account on XX/XX/XXXX  they didnt tell me the specific violation against their agreement terms that I violated I asked and requested this information numerous times .. venmo wont allow me access to the funds that are in my deactivated account they wont release these funds to me or let me withdraw my money to my bank account this money is not fraudulent at all the money is rightfully mines, I have won this money from XXXX XXXX and XXXX, XXXX app Venmo only said I violated there terms and agreement that does not give Venmo the right to keep me from accessing the money thats verified and not fraudulent I demand Venmo to give me access to my money immediately .. Venmo has denied me access to my money for 180 days and this will put me in a financial crisis and I will lose my job and my home is I cant access and withdraw this money from my deactivated Venmo account asap.. I request Venmo to unfreeze my account so I can withdraw my money thats rightfully mines
Consumer complaint received 2024-04-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: North Shore Equities, Inc. (NY)

hi i am requesting a copy of my retail installment contract including all documents signed the date of transaction, to see if repossession was lawful and legal thanks i need the itemization of the amount financed, on XXXX ; XXXX XXXX  XX/XX/11 i called the bank and asked and was hung up on 2 times due to the fact the XXXX who answered the phone didn't like what i said when i have a legal right to this information to please stop being stupid and send me my proper paperwork, OR if i never received the itemization of the amount financed i believe that would make the transaction default and none compliance with the TRUTH IN LEND ACT thanks please don't be stupid
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (PA)

DRIVETIME/BRIDGECREST POTENTIALLY NEGATIVE Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX Balance {$16000.00} XX/XX/XXXX {$300.00} as of XX/XX/XXXX - {$19000.00} - 69 Months XXXX  XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms Repossession. {$16000.00} past due as of XX/XX/XXXX. On Record Until XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE XXXX XXXX XXXX XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$530.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$530.00} XX/XX/XXXX - - {$530.00} - 1 Months XX/XX/XXXX XXXX XXXX POTENTIALLY XXXX Account Info Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX Auto Loan Individual XX/XX/XXXX Account charged off. {$26000.00} written off. {$6800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$6800.00} XX/XX/XXXX - - {$26000.00} - 76 Months XX/XX/XXXX XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXXXXXX XXXX  XXXX XXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX XXXX
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX received a text message on XX/XX/24 at XXXX hours from unknown number ( XXXX ). The text message stated Chase did you attempt to wire of {$2700.00}. Reply YES/NO/HELP, if No you will receive a call from our customer service number shortly. XXXX replied NO and then received a call from ( XXXX ), which is the customer service number on the back on her Chase card. XXXX was told that her Chase checking account has been compromised. She was told that in order to save the money that has been taken she would need to wire {$13000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to a subject named XXXX XXXX. The transaction was completed on XX/XX/24 at XXXX hours. XXXX was told that if she does not transfer the money now, she would not be refunded the money since Chase has reached out and made an attempt to get this money wired back to Chase using the account numbers they provided. XXXX was told that another {$10000.00} was again taken from her checking account and that she needs to wire it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to a subject named XXXX XXXX. The transaction was completed on XX/XX/24 at XXXX hours. The total amount of money that was wired was {$24000.00}. A police report has been filed with the local authority.
Consumer complaint received 2024-03-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Synovus Bank (CA)

FIRST PROGRESS ACCT # XXXX DID NOT NOTIFY ME OF THE DEBT IN MY NAME ALSO REFUSED MY FTC REPORTS STATING THAT I DID NOT LIST THE ACCOUNT ON MY FTC REPORT THEY RECIVE MANY REPORTS BUT FAIL TO ACCPECT THAT I WAS A VICTIM OF ID THEFT. VOILATING MY RIGHT I ASK THEM REINVESTAGATED THE DEBT CODES BEEN VIOLATED AND RULES WAS IGNORE WAS NOT PROPERLY NOTIFY OF THE DATE BEFORE ADDING ON MY CREDIT REPORT. WHEN ASK FOR VAILDATIONS THEY SENT ME A STATEMENT OF PRUCHASES I DID NOT MAKE INPROPER DOCUMENTS SHOW ME WHERE I SIGN OR THEY GAVE ME XXXX THEY HAVE YET TO SHOW ME I TOOK OR THEY GAVE ME ANYTHING. THIS COMPANY IS NOT APPLYING THE FRCA RULES FAILING TO REMOVE THE ACCOUNT FROM ALL REPORTING AGENCY XXXX AND XXXX AND XXXX HAS YET TO REMOVE THE INFORMATION.
Consumer complaint received 2024-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

XX/XX/2024, I received a notification that a derogatory mark was placed on my credit report. Prior to XX/XX/XXXX, I had no knowledge of this debt. Ive never received an email, voicemail or mail communication to my current address and/or telephone number. 
During my search for the origin of this debt, I was told that this bill was from a XXXX  I had a year  ago at the XXXX XXXX and XXXX XXXX XXXX XXXX. I, then, proceeded to call my medical insurance company, XXXX XXXX XXXX XXXX, to verify this unpaid claim with their medical claims department. The representative at XXXX relied to me that this claim was never filed with them. She stated that my insurance was valid at the time of my XXXX  and that all my insurance claims for my XXXX  were paid at 100 %. There is no history documented for this bill. I offered telephone numbers of the XXXX XXXX and XXXX XXXX XXXX XXXX to the XXXX representative to find a solution between the medical team and my insurer. The XXXX representative called all numbers and left voicemails. Theres been no response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am left with no resolution. I am being punished for a debt I had no knowledge of and my credit report has been negatively impacted. I pride myself highly on maintaining exceptional credit, and Ive done so for over 30 years. This derogatory mark has since dropped my credit score over XXXX points.
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK (NC)

In XXXX XXXX I called a First Horizon customer service representative to close my checking/savings account. During the conversation the customer service representative confirmed that my account was closed. However, the account was never closed. 

I started receiving bank statements in XX/XX/XXXX via email. Prior to this I had not received any communication, letters, emails or phone calls from First Horizon bank. I decided to go into a branch in XX/XX/XXXX to find out why I was still receiving bank statements when I closed the account in XXXX XXXX. During this meeting a branch manager told me that the account was charged off because the account had a negative balance applied to it in XX/XX/XXXX. I paid the balance to the bank and was given receipts of payment/the charged off amount. This was the first time I was notified the account was charged off. I was confused as to why I would have any charges associated with the account when I called a customer service agent, per the instructions by the bank, to close the account in XXXX XXXX. First Horizon does not allow you to close your account online. They require you to speak with a CSR to close an account. 

It concerns me that my credit with the banking systems was damaged by First Horizons action to charge off my account instead of not contacting me. I would like First Horizon bank to send me a detailed letter explaining why my account was not closed by the CSR in XXXX XXXX when I called to have it closed.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (MI)

I am writing to file a formal complaint against LVNV FUNDING LLC/Resurgant Capital Services and XXXX XXXX for their failure to delete two fraudulent accounts from my XXXX  credit report, despite LVNV FUNDING LLC/Resurgant Capital Services deleted it from XXXX and XXXX. This matter has caused significant distress and harm to my financial standing and reputation. LVNV FUNDING LLC XXXXand LVNV FUNDING LLC XXXX. On XX/XX/XXXX, I submitted a dispute to XXXX regarding an erroneous account that appeared on my credit report. This account was fraudulent and should not have been associated with my credit history. On XX/XX/XXXX and XX/XX/XXXX I responded to LVNV FUNDING LLC/Resurgant Capital Services email and my exact words were This account is not mines I never done business with your company or if I did please send me documents where I gave your company any consent to do business with me, if this information can not be provided please cease and desist. Best regards, XXXX XXXX XXXX. But they keep on sending letters without validating any debt they say I allegedly owe them. They keep harassing and abusing me through 3rd parties like the these credit agencies. However, XXXX responded to my dispute by verifying the accuracy of the information and refusing to remove it from my credit report. It is my understanding that before reporting any information to a consumers credit report, credit agencies such as XXXX are required to obtain written consent from the consumer. In this case, it appears that XXXX failed to adequately investigate the disputed information before reporting it as accurate. This failure to investigate properly has resulted in XXXX damaging my character, causing undue stress, and putting a strain on my life and reputation. By allowing inaccurate and misleading information to remain on my credit report, XXXX is impeding my ability to secure credit and financial opportunities. I believe that XXXX actions in this matter constitute a violation of consumer protection laws and regulations, including the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX and LVNV FUNDING LLC/Resurgant Capital Services complies with its legal obligations. Furthermore, I request that LVNV FUNDING LLC/Resurgant Capital Services be held accountable for its failure to delete the unverifiable account from my XXXX credit report, despite having done so with XXXX and XXXX. Their inconsistent actions have caused confusion and further harm to my financial standing. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect consumers like myself from unfair and deceptive practices by credit agencies and debt collectors. THANK YOU!
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

Claims were filed online with Chase Bank on XX/XX/XXXX for {$440.00} and {$330.00} allegedly by me. I went into the branch to dispute the charges and the branch manager called the claims department to file a dispute. Claims were again filed coming in as " claim reversals " for {$440.00} twice and {$330.00}. The bank said because they provided temporary credits for those amounts and because the claims they couldn't refund the amount. I have lost {$2000.00} and two months time dealing with the issue. Chase refuses to help. I have also filed a complaint with the local police department.
Consumer complaint received 2024-03-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2024, I received a deposit of {$1600.00} into my recently opened Venmo account. Because, Venmo never sent me a card, I attempted to do an instant transfer to my bank card so that I could access the funds. The application would not allow my transfer. I called to inquire and was told that the 'system ', flagged it and I should just do a bank transfer which takes XXXX  days. I then attempted to link my XXXX XXXX XXXX account to my Venmo account and would would not allow it. Once again, I inquired and spoke with a supervisor named, XXXX XXXX He explained that he had to escalate my inquiry to get it taken care of ASAP. It had already been XXXX days. XXXX days later. I received an email from XXXX XXXX asking me to upload a copy of my driver 's license. I did. XXXX days later, I was told that I could connect my bank and make the transfer, so I did. On the third day, for some unknown reason, the transfer was canceled. I was finally able to speak with another person, who, once again asked for my ID. I then took fresh photos of my ID and a selfie of me holding my ID, but couldn't get the acceptable format. As soon as I hung up, I received an email stating that my account was frozen because of the inquiries and that they could hold my funds for XXXX  days. I called again to inquire why this was done and was again told that the situation was escalated because it had now been XXXX weeks. I'm a XXXX XXXX XXXX  XXXX Veteran on a small fixed income. Because of this, I am now facing eviction and homelessness because I can not access my funds. This is theft. Plain and simple and should not be allowed. It seems Venmo is a Scam to hold and use/invest customers money while preventing them access. That type of financial manipulation should be punishable by law. The should not be allowed to set terms to allow this. I demand immediate release of my funds and that Venmo be punished to the furthest extent allowed by law.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I had gone through a rough divorce and my pay had been significantly cut due to a change in employment. I stopped payments on the accounts that I had filed XXXX  XXXX bankruptcy on. Obviously this resulted in late payment reports on my credit reports. Fast forward to XXXX and XXXX XXXX XXXX XXXX XXXX had continued to report my payments as late even though my discharge was official in XXXX of XXXX. I contacted XXXX in XXXX of XXXX when I noticed I kept having accounts reporting as late payments. They were able to stop the reporting and corrected the late payments but it now shows on 2 of my reports that my last late payment was 10-11 months ago and the other shows 2.5 years ago. Also they show that in XXXX all accounts were " charged off as of XX/XX/XXXX and XX/XX/XXXX '' as per my documents attached. This is incorrect. XXXX was over 4 years ago so this is an error. The Charge off/ Included in bankruptcy should have been in XXXX not XXXX. Not only that, the way it is reported, I have been denied loans. The denials stemmed from a recent bankruptcy. When I followed up on this, I was told it was being reported that I filed bankruptcy in XXXX of XXXX. That isn't true and it is negatively effecting my credit. I own up to my bankruptcy in XXXX but that was the last time I have made a late payment. I have worked hard to keep myself out of the position I found myself in and find it very disappointing I have to jump through so many hoops to get this corrected. This is very negligent and shows the lack of checks and balances in our credit reporting process.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MS)

I sent dispute notices to all credit bureaus as well as Navient to launch an investigation. I am not the only consumer having issues with Navient. They are not trying to resolve any issues. I was recently discharged from XXXX XXXX bankruptcy and my overall student debt was at {$45000.00}. Since I am a XXXX XXXX I applied for student loan forgiveness and my loans were consolidated. Navient was the servicer. Not one time did I receive notice in XX/XX/XXXX that I had a balance with Navient and that {$7000.00} was a private educational loan. They didn't attempt to call or anything. Before initially filing for bankruptcy when I was making payments with Navient, not one time was there a break down on statements indicating a public and private loan. Nevertheless they were provided with updated mailing addresses and telephone numbers as I went through a divorce. The only reason why I learned of the private loan was because I applied for a credit card to rebuild my credit and was denied because Navient reported to all credit bureaus delinquency dating back to XX/XX/XXXX. I immediately contacted Navient and got the run around. Finally XX/XX/XXXX I spoke with a Navient representative, filed a dispute with them to investigate the matter and at that time I spoke with a supervisor who told me it was my responsibility to update demographic information and I stated my information was updated back in XXXX before filing bankruptcy. I was then afforded an opportunity to enter a payment plan to where they can debit my account to take out monthly payments. They also told me that if I make 3 consecutive monthly payments, they will remove the late payments they reported to the credit bureaus and I have done just that. My first payment came out XX/XX/XXXX and I have been current since the agreement. Navient has not followed through with the agreement. They took the late payment off from XXXX, XXXX, XXXX, XXXX, XXXX, but put the late payments at the back end of the year for XXXX ( 30 days late ) and XXXX ( 60 days late ), but XX/XX/XXXX currently paid. So they didn't remove it just moved it back to the year end of XXXX. How can that be possible if my first agreed upon payment wasn't scheduled until XX/XX/XXXX. This has really ruined my credit. I am in the process of trying to get pre-approved for a mortgage and I can not move forward until they remove the late payments as agreed. I have written them letters and have called and they are unfairly treating consumers. Can someone please help me get this issue resolved with the late payments being removed as agreed because at this point Navient is practicing XXXX  techniques.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

I closed out my credit card last year, paid off my balance in full last month leaving me with a XXXX balance which means I am now officially done with Big Lots or Commenity. No, my payment was not late. I paid it on XX/XX/XXXX and payment was not due until the XXXX. I should not be receiving a statement from them and yet I received a statement for {$3.00}. When I called on XX/XX/2023 between the heavy accent that I could not understand I got out of her that the {$3.00} is a floating fee just in case I didn't pay off my balance? A floating fee??? What on earth is a floating fee and how in good heavens can they charge interest on a XXXX balance? How is this legal? She's sorry but I have to pay the {$3.00}. I don't think so. At this point I do not owe them a dime and I suggest they remove that from my account and considered it paid in full.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My information was sold and bought illegally. Because I was a victim of the Equifax data breach. 

I want these items deleted from my credit reports effective immediately. I'm attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 



The accounts and information involved are listed below. 

Name and address XXXX XXXX XXXX XXXX XXXX XXXXXXXX pa XXXX employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number is XXXX XXXX XXXX Account number is XXXXXXXX XXXX XXXX - Account number is XXXX-XXXX XXXX XXXX XXXXXXXX XXXX Account number is XXXX XXXX XXXX  XXXX- Account number is closed XXXX XXXX XXXX XXXX- Account number is closed charge off XXXX XXXX Account number XXXX And any inquiries.