davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/XXXX I made a money transfer to a friend using the app Venmo, a PayPal entity. My Venmo account is linked to my checking account at XXXX XXXX. XXXX XXXX had, unbeknownst to me, placed a hold on my account to investigate a potential fraudulent transaction. Due to that account hold, my Venmo transfer failed, and as a result, Venmo froze my account. I was unable to move any of my funds in Venmo out. After speaking with customer service, I was told that if a friend sends me money using Venmo, it would unfreeze my account. I tried this and it worked. However, when I tried to transfer money to friends that I owed, the Venmo app denied my transfer and gave me an error that I was no longer allowed to use my XXXX XXXX account because of the previously failed transaction. I contacted customer service again, and they are requesting a copy of my bank statement so that they can review the statement in order to allow transfers to and from that account. This seems highly inappropriate and intrusive - that a digital wallet company should want to see my private bank statement without logical justification. Even brick and mortar banks would not ask for this due to a failed bank transfer- they would simply wait. a few days and try a third or fourth time. Venmo. has told me. I can redact any information I want except for my legal name, the bank account number, and one successful transaction after XX/XX/XXXX. First, I do not have the ability to redact that information. Second, even if I did, who is to say a curious member of their review team could not unmask that information. It's not right for them to ask me for my bank statement for an issue that wasn't my fault. Even if I was at fault, it's not an appropriate solution. Venmo should allow me to make a third attempted transaction using my XXXX XXXX account.
Consumer complaint received 2022-01-11
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. (FL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-01-12
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: EQUIFAX, INC. (NV)

I have been disputing fraudulent inquires from the credit bureaus as XXXX Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to XXXX Bank to dispute those inquiries directly with them because XXXX Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with XXXX Bank and the correct inquiries related to those accounts, XXXX Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but XXXX Bank refuses to send proof to me. At this point, I am informing CFPB that Equifax and other credit bureaus, and XXXX Bank are refusing to remove the following fraudulent inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Those inquiries have been inserted in my credit report per XXXX Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and XXXX refused to help me with this dispute claiming thaXXXX XXXX  didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with XXXX Bank that don't need to be disputed or closed : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with XXXX Bank should not be affected for retaliation.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: KEYCORP (GA)

I received a letter on Keybank letterhead from Keybank Prepaid Card Services XXXX XXXX XXXX XXXX, CO XXXX. It referred to an account ending in XXXX in my name. 

I don't have a prepaid card, so I called to get clarification. The young lady said it wasn't a scam, but she was aware of other people calling in about something similar. She asked for my birthdate to validate and then the call dropped. I'm not sure if this was a scam, so reporting it just in case.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am highlighting persistent errors related to an account on my credit report. Even after submitting multiple disputes and providing comprehensive evidence to demonstrate these inaccuracies, no corrections have been made, and the incorrect information remains. 

As mandated by the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i, you are required to maintain 100 % accuracy in reported data. Failing to update or remove the inaccurate information constitutes a violation of this requirement. I demand a full and immediate reinvestigation to ensure that my credit report is corrected and reflects only accurate and verified details.
Consumer complaint received 2022-01-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CORELOGIC INC (CA)

I was speaking to XXXX XXXX XXXX XXXX regarding a letter received. They transferred me to CORELOGIC telling me that they were actually XXXX XXXX XXXX XXXX. They asked me private information and then later told me they were actually with CORELOGIC and not XXXX XXXX XXXXXXXX XXXX. They got personal information out of me when they should never have done so. They should have been truthful about who I was speaking to.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code XXXX ( 2 ) and 15 U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NY)

Hello so on XXXX, I was contacted by someone pretending to be XXXX XXXX owner of XXXX located in : XXXX XXXX XXXX KY, XXXX. 


So the scammer contacted me through XXXX XXXX pretending to be XXXX since I was looking for a pair of sneakers. We talked and everything and agreed on a price despite there being red flags. We agreed on PayPal friends and family payment. Lucky for my wallet the funds did not go through the bank linked as my payment method ; However, PayPal ended up sending the funds and remained pending for around 2 days or so thinking the movement will be canceled since the funds were never there in my payment method. Once this happen I contacted PayPal to have the movement cancelled since the person getting the funds is a scammer and i was told the transaction wont go through. 

Forwards a few days later my PayPal account was at a negative XXXX and I made an attempt to dispute the negative balance even dough no funds were ever taken from the bank account. I got constant emails about the overdue negative balance and I reached out to XXXX for help but nothing. I looked into the terms and conditions for PayPal more specifically terms and conditions for sending money to another PayPal account. I never found anything stating that if the payment fails due to insufficient funds, PayPal themselves will pay for the transaction and charge my account. 

I reached out to a PayPal customer service representative to see if they have any knowledge and if so where would I find such in PayPal terms and conditions or anywhere. I attached the conversation. To summarize it, the agent mentioned that paypal will send the funds anyways even if PayPal is a payment processor and that this is not mentioned in the terms and conditions. Basically PayPal is acting without informing or mentioning the user before/after using their service. 

Later on PayPal sold the negative balance ( PayPal account ) We are writing to let you know that we sold your PayPal Account ( identified below ) to XXXX XXXX XXXX XXXX XXXX 


Please review this case since Ive contacted the XXXX and they have been of no help and PayPal blocked me from accessing the account making me unable to take screenshots of me contacting them about the scam.
Consumer complaint received 2022-01-12
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. (PA)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX {$4200.00} Date Opened : XX/XX/2019
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

On XXXX my adult daughter XXXX XXXX XXXX was in a car accident driving my car and was taken by ambulance to XXXX XXXX XXXX XXXX XXXX. She was not cooperating with the trauma team due to her condition and XXXX admitted her using my name and date of birth ( I'm assuming they obtained my name from the vehicle registration ). Even though they had her medical card! I was horrified to find out my medical privacy was violated when I noticed my daughter 's ER visit to XXXX XXXX XXXX XXXX XXXX was entered into my XXXX XXXX medical record as if I was her and the patient on that XXXX visit with them! They have may age, height, and weight all incorrect as well. I also received a collection notice attached here for the services they provided to my adult daughter. She is not a dependent and does not live with me. I've made numerous calls to the XXXX XXXX XXXX at XXXX and each time they assured me the information is corrected. Here we are months later and the information is incorrect in my XXXX medical record. They need to correct the XXXX XXXXXXXX XXXX link now. They also need to correct the billing information from the XXXX XXXX XXXX XXXX XXXX and CMRE FINANCIAL SERVICES , INC to reflect my daughter 's information XXXX XXXX XXXX XXXX. XXXX. I filed a dispute with them too and I'm unable to obtain what they are asking for because I was not the patient! Any assistance you can provide will be much appreciated!
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXXDepartment of Education is reporting inaccurate information to my personal credit reports. This is a violation of the Fair Credit Reporting Act. I have reached out to the company multiple times and they have not complied with my request. I sent letters requesting for the inaccurate accounts be deleted from my credit report. I informed them that they were violating my rights. This is violation of FCRA law 15 USC 1681 and 15 USC 1681 a ( 2 ) ( a ) ( I ). 
First letter sent XX/XX/2021 Second letter sent XXXX XXXX XXXX company sent me a letter XXXX XXXX stating no knowledge of wrong reporting.I have attached a copy of that letter.
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (FL)

they keep denying me wont tell me why i keep asking for specific reasons they wont tell me why they blacklisted me they told multiple dealers this customer is balcklisted will never get a loan with bmwXXXX XXXX financial services nto sure this is legal
Consumer complaint received 2022-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (NM)

Experian Report # XXXX First of all, a customize night guard should not cost {$1100.00} with XXXX XXXX XXXX XXXX XXXX XXXX. Second, Im that rare debtor that dont like owning anyone anything, so I paid in full after each visit to XXXX XXXX XXXX XXXX 

I went to XXXX XXXX XXXX XX/XX/XXXX for the fitting and paid {$440.00}, I went back when the night was supposed to be in but wasnt on XX/XX/XXXX and paid {$390.00}. A week later the night guard finally came in and I asked the office manager, how much do I owe? She said she ran my insurance and that I overpaid and they owe me {$60.00}. 

I left my job at XXXX XX/XX/XXXX. The office manager called me in XXXX of XXXX and said that I owed {$300.00} ; I recounted my visits and she remembered me. I told her that I no longer worked at XXXX. She said shed run my XXXX XXXX and give me a call back, she never did and they still have sent my {$60.00}. Next thing I know XXXX XXXX XXXX has hired XXXX Accounts to collect the money. 

Attached is my bank statements proving payment in full. Ive sent the same documents to XXXX Accounts, XXXX XXXX XXXX and Experian ; neither of these companies have accepted my proof. 

FYI : I sent the same documentation to XXXX XXXX and XXXX and theyve removed the negative charge.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (NJ)

Today I am writing about Navy Federal credit Union for veterans I was denied a mortgage I was denied a credit card called flagship and I was denied an extension of credit I have been a member since 2004 and my credit score is now report XXXX XXXX XXXX with all the three major credit bureaus this bank has something against me and refuses to work with me in any capacity I need help they have been denying me for everything that Ive asked please help. its either because Im XXXX or they have some type of rife with minorities since they are not trying to work with me in shape or form. I want to escalate this matter Immediately.
Consumer complaint received 2022-01-12
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. (VA)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information
Consumer complaint received 2022-01-12
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. (FL)

Per my rights as a consumer under FCRA and Section 15 USC 1681 i did not give permissible purpose nor did I give my written consent for the accounts to be published on my report and as a consumer per federal law the accounts must be removed. The accounts to be removed are as follows
Consumer complaint received 2022-01-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (NJ)

Sent Tender of Payment along with Notice of FIDUCIARY OBLIGATIONS ( Attached ) endorsed by the beneficiary.

UCC 3-603 Tender of Payment : 3-603. TENDER OF PAYMENT.

( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

Instrument was not returnedthereforedischarge has occurred.

Shellpoint Mortgage entered into a Trust relationship by accepting the instrument. They have not performed. This could be misfeasance and/or malfeasance of office.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (ID)

I was contacted by NCAXXXX ( national credit adjusters ) saying they have been contacted to collect a debt that I owe from XXXX XXXXl in XXXX  XXXX Idaho on XX/XX/2013 account # XXXX amount of {$400.00}. NCAXXXX  is trying to get {$500.00} due to interest their account # XXXX. I did not create this account or debt. The person from NCAXXXX told me to contact this website to get a affidavit of fraud and send that to them, I could not find that on this site, so I am taking this route.
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (LA)

I wrote the credit bureau on XX/XX/2021 about inaccurate accounts that are still on my credit report. I'm filing this complaint because they did not respond within 30 days and they did not conduct a proper investigation and they continue to report inaccurate accounts without providing their method of verification, which are all violations of the FCRA. I have written letters to the furnisher 's like the credit bureau told me to and they are not investigating either. I don't understand this because they law is plain and simple. They must investigate and correct or delete the inaccurate information. Please help me CFPB because they are not following the law and this is ruining my life.