davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Not only I have received a Notice of Data Breach telling me that there has been a cyber incident and my personal information has been affected but also I have not given consent to all other agencies who have pulled my personal information.
Consumer complaint received 2019-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (GA)

My card was stolen and there was charges on my card that I didn't make and Venmo was very helpful to begin with so I disputed the charges and they come back in my favor and the money was credited to my account so I went to withdraw the money and then venmo is suspended my account immediately. Have contacted the most several times ask him just to release my phones so I can withdraw them I have even sent them a copy of the eviction notice that I received solely because Venmo will not release my money so now I am having to stay in motel which the church provided for me with my XXXX grandkids. I have the motel for 10 days and after that I don't have a clue what I'm going to do. I don't even understand how the transactions were able to be made on my account I am the card holder and I go to use my account and they spend my account immediately but someone can steal my card and use my card back to back over 30 times and it not be red flagged it doesn't make sense. There's no reason for them to hold my funds for 108 days because there's nothing on my account that can come back and put my account in a negative. I am going to upload a few of the disputes that shows it was in my favor I'm not going to upload all of them because there's over 30.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Citi will NOT award me the bonus miles on my credit card even though I met their requirements of minimum spend they owe mXXXX XXXX XXXX on my business card
Consumer complaint received 2024-08-21
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: BARCLAYS BANK DELAWARE (OH)

Despite my multiple attempts to dispute these items I am writing to request the removal of unauthorized credit inquiries listed on my credit report with [ XXXX ] . Upon reviewing my latest credit report, I noticed [ number of hard inquiries ] credit inquiries that I did not authorize. I request that these inquiries be removed from my credit report immediately, as they were not initiated or authorized by me. Attached, you will find a copy of my credit report highlighting the disputed inquiries I appreciate your assistance in resolving this issue promptly.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

I am filing this complaint because a debt collection agency, Fair Collections and Outsourcing, inc., has failed to provide adequate validation of a debt they are attempting to collect, despite multiple requests. 

OnXX/XX/XXXX, I sent a formal written request to Fair Collections and Outsourcing, inc. asking for proof of assignment or transfer of the debt to their company, as required by the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested documentation proving that they have the legal right to collect this debt. 

In response, the agency provided a vague statement without the necessary documentation. I followed up on XX/XX/24, XX/XX/24, XX/XX/24 and XX/XX/24 reiterating my request for proof of assignment. Despite my repeated requests, the debt collector has not provided the required documentation. 

Most recently, I received an email from XXXX XXXX of Fair Collections and Outsourcing, inc. on XX/XX/24, stating that they would no longer respond to my requests, and they have since stopped replying to my emails entirely. They also indicated they would cease contacting me, but this does not address my request for proper validation under the FDCPA. 

I believe Fair Collections and Outsourcing, inc. is in violation of the FDCPA by failing to provide adequate proof of assignment of the debt, and I am concerned that this debt may be inaccurately reported to credit bureaus, affecting my credit report and score.

I request the CFPB to investigate this matter and require Fair Collections and Outsourcing to provide the proper documentation validating the debt or to cease all collection activities and correct any credit reporting related to this account. 

Thank you for your attention to this issue.
Consumer complaint received 2024-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accredited Collection Service, Inc. (NE)

I have a medical debt with XXXXXXXX XXXX XXXX I know I owe them but currently homeless working trying to get a place to live and the debt collector wants the debt in full XXXX $ they wont take payments. I dont have the money I start XXXX XXXX XXXX XXXX weeks and I just got a cheap used car on payments so I can only afford to pay so much a month. They said they would take me to court if I dont pay it in full right now. I dont know how to pay them and get on my feet and get a place to live cause XXXX dont have XXXX XXXX dollars.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (GA)

I have been trying to get my money out of Skrill account since XXXX XXXX. They restricted my account as soon as I tried to transfer money out. I have been verified as well as my checking account I have called and emailed several different times. I've lost my truck due to not being able to make my payment because of these people. I don't understand why they haven't been shut down most of their reviews are stories like mine. And you just lose your money .well my money is to hard to come by I will not give up .please help me in getting my money released
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NY)

To remove the following that are fraudulent inquiries : XXXX XXXX SYNCB Amazon ( XXXX ) XXXX Every one of these inquiries are from a couple of years ago already not 2024. They keep reoccurring on my XXXX account as hard inquiries.
Consumer complaint received 2024-08-20
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

I purchased a vanilla visa gift card that was advertised to be able to be used online and in person. However, XXXX and vanilla visa have recently REMOVED the ability to register the address and create a zip code, so I am unable to use this card as intended online when a zip code is requested ( as on almost every site ). Thus, the card was falsely advertised, and I can not use the balance. It is my hope they provide me a refund for this card and the activation fee.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercury Financial Intermediate LLC (IL)

I worked with XXXX XXXX XXXX in order to come to a settlement with Mercury Credit cards, XXXX received an agreement from Mercury Credit cards and I made my final payment to mercury credit cards of XXXX  on XX/XX/year>. Mercury credit card is claiming they only received XXXX on XX/XX/year>. Right now I am currently working with XXXX to get this resolved, XXXX has my back and believe Mercury is trying to double dip Im here to report Mercury, because now they are hurting my credit reporting late payments, when I dont owe them a XXXX  anymore!
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (FL)

I am not aware of this account. this is the first action taken. The opening date on all credit Bureaus are different. never received a idomized statement providing the equal opportunity to fix the matter at hand. Been waiting 35 days for a response. I also noticed this account is reporting every month with a charge off balance. it is illegal to report a balance once the account has been charged off, and can not be represented per month as the account is reporting as if its a new account. The balance is reporting XXXX
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I went to the XXXX on XXXX XXXX for vacation without knowing someone stealing almost XXXX dollars on my chase bank account and I just found on XXXX because my live in partner check all my expenses and I went to my branch at chase bank made a complaint and disputes and waited for XXXX business days but it get denied twice I keep telling the customer service that I have no knowledge of someone stealing my money from my account
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ACIMA CREDIT, LLC (GA)

Recently, I did a investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681e ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or ify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-08-27
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 (FL)

I had two Venmo accounts, one with a large IRS deposit. They requested me to close the newer account wich i did but Venmo closed the old account also keeping my deposit telling me " if '' they should return they will email me. They claim I violated the user agreement, but I complied with all their requests. Venmo is ignoring my emails and phone calls. Please help me recover my funds.
Consumer complaint received 2024-08-27
Product: Credit 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: BARCLAYS BANK DELAWARE (CA)

Various items were returned to XXXX XXXX XXXX, vendor, and full refund was received. Retroactive changes occurred affecting my vendor account and my credit card, which shouldn't have affected with my credit card without notifying me. Instead I was not contacted and refunds for some items were reversed. Such refunds that were reversed were listed for both vendor and credit card company as disputed amounts. Credit card company was provided such information but has again remained unresponsive. Timely delivery of a response is still not occurring. I'm not even receiving acknowledgement of complaint within thirty days without filing a complaint or calling to complain.
Consumer complaint received 2019-11-25
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Caliber Home Loans, Inc. (RI)

XX/XX/XXXX My complaint concerns two issues with a mortgage service company : 1. ) In an attempt to collect a mortgage debt from me the mortgage servicing company directed a company that broke into my home and locked me out. This case was summary judged in their favor in Superior Court XXXX. I disagreed and appealed that decision. The verdict was reaffirmed by the Supreme Court in XXXX   last week on XX/XX/XXXX. I have attached a similar case from Washington State that verifies the opinion that I contend as decided by Supreme Court Justices in a similar lien theory state like RI. My only option aside from your office is to bring this to the US  Supreme Court. I respectfully seek your assistance with this. 

2. ) The mortgage company committed perjury in this case ; they provided an Affidavit to the Superior Court that mortgage payments were not being made at the time they locked me out and on another occasion they had entered my property. I have attached a detail of proof from RI Housing Mortgage which assisted me during those periods between XXXX and XXXX with XXXX XXXX XXXX XXXX payments which were disbursed on my behalf to the loan service company, accepted by them however not properly applied to my mortgage account. Please advise. Thank you.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (NJ)

Santander Consumer USA was the bank I had when I had a card note for a XXXX XXXX XXXX. They stated on my credit report that I was 30 days late even though I made a payment for the car that month I dont have the exact date on hand but as soon as you send his report out, they will know exactly what youre referring to on my credit report that car is now paid full. When I called the credit bureau XXXX XXXX they told me it was reported in XXXX that is affecting my credit score and I need that to be removed immediately, I was always on time and always made sure my bills were paid and proof is the car is paid in full.
Consumer complaint received 2024-08-27
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 (MD)

About a month ago I signed up for a Venmo account. I work at the XXXX XXXX XXXX XXXX and XXXX ( XXXX ) and we are having a training session in XXXX for XXXX of my coworkers. I have been tasked with organizing catering for the training so we can have lunch delivered to our training classroom. I opened the Venmo account to collect each participant 's portion of the catering bill. The government ( and therefore XXXX ) does not pay for food and drink at trainings. Three people so far have transferred {$40.00} each to my Venmo account for their portion of the catering bill. However, last week, I received a notice from Venmo saying my account was frozen due to suspicious activity. They said I needed to verify my identity. So I followed their instructions to verify my identity by submitting photos of my driver 's license. They kept my account frozen and sent me another message saying after further review that I have violated their terms and conditions of use but they will not tell me what I violated. All I did was open the account, receive XXXX transfers of {$40.00}, try to connect my bank account, and send my identification to verify my identity. But my account is still frozen. I can not connect my bank account. I can not send the money I received back to the XXXX senders. Venmo says they XXXX wipe the funds from my account. Meanwhile, when they say they XXXX wipe the funds from the account, I am concerned they will just keep the money. I have requested that since they will not let me use the account, that they just send the money in it back to the senders and close my account. They responded by saying they are sending my account to another department to review further. I have canceled the catering for my fellow coworkers. I want Venmo to return the money back to the people who sent it and close my account and delete my data. I do not want to use their service for any reason. This is a scam what they are doing. Please do something. My Venmo username is @ XXXX.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (CA)

AWA Collections is reporting a collection of {$440.00} on my credit report with XXXX. I've made various attempts to distpute this debt that I'm not aware of, I've called them personally and ask them to provide valid proof or purchase agreement or anything with my signature due to the fact im a victim of fraud. Awa Collections never sent any proof within last 6 months. I've reached out to XXXX to dispute this collection and it comes back verified on their end even though I've asked both parties to provide the investigation and no one will provide any proof.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, around XXXX, I was attempting to purchase concert tickets online from XXXX for a concert that evening ( XX/XX/XXXX ). I agreed to an amount of {$500.00} and was trying to send the money to their phone number. However, the phone number was entered incorrectly which led me to try to correct the phone number address that the money would be transferred to. Given that this payment occurred on XXXX XXXX, XXXX always prompts you for authorization ( I found this out when trying to dispute with XXXX ) to verify that the amount was not fraudulent given the large dollar amount. This authorization popup never happened. XXXX claims that this type of authorization must always occur for money to be transferred, and I was never given this prompt. After the money was sent to the receiving party, I promptly called them and asked them to send back the money that was sent there without authorization. They promptly hung up and blocked my phone number. This then led me to attempt to file a dispute with XXXX, but they said they were unable to do so since they are merely the platform that banks use to send money. I then contacted Wells Fargo and filed a dispute with all this information on XX/XX/XXXX. I would have contacted sooner but Wells Fargo does not allow disputes until the charge is released from pending which takes a few days. Wells Fargo then responded to me by saying they can not give back the money since it was done on a third party platform despite the funds being drawn directly from the debit card. After hearing this resolution, I promptly contacted Wells Fargo and asked the claim to be reopened given that I never authorized the transaction. They refused to reopen it. I then explained that given the charge was never authorized by myself, this charge would be considered fraudulent, and according to federal law, per the FDIC, the maximum amount that I would be liable in this situation is {$50.00}. I asked the claim to be reopened where I would receive {$450.00} back rather than the full {$500.00}, since I am liable for {$50.00}, but they still refused.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: MIB Group, Inc. (CO)

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

I have had a checking account with Truist ( originally BB & T ) for several years. Since the merger between BB & T and SunTrust, it has been increasingly difficult to access funds in this account. I only use the account infrequently, but every time I have tried, I have run into roadblocks from Truist.

I decided to close the account and was told I had to withdraw the balance from the account before it could be closed. When I tried to transfer the funds out of the account, I discovered Truist had frozen the account and I could not access the funds. When I have repeatedly tried to get the account unfrozen, I was told I had to physically go to a branch to withdraw the funds. I am presently unable to leave my home and am unable to go to the branch office. When I explained my situation for the third or fourth time over the phone, I was told to submit a letter that had to be notarized and they would see about mailing the funds to me. 

If I could go to a notary to get the letter notarized, I would be able to go to the branch bank. This is a ridiculous barrier to letting me have these funds. We are only talking about {$1400.00}.
Consumer complaint received 2024-08-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (MS)

On XXXX XXXX I sent a letter requesting the original copy of the debt that the 3rd party is trying to collect from me about a debt that I didn't authorize them to pay. I also used the law codes and fines for the violating my rights and I also I asked for them to send me a copy of my I.D and signature showing that I agreed to pay this debt. They failed to send the correct information that I requested. I only got a copy of the bill from the original creditor which is XXXX XXXX XXXX I am not satisfied with the results and I feel like this company has violated my rights. The name of the 3rd party company is RADIUS GLOBAL SOLUTIONS, LLC