davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates (MD)

I moved from a house where I lived on XX/XX/year>. On XX/XX/year> I paid my last bill to the utility, XXXX. My service was turned off on the XXXX of XXXX. I was told I had paid the balance owed. It was not until XXXX, 2024 when XXXX at LJ Ross called me and stated that I owed a bill. I said that I did not owe the bill. XXXX suggested I call XXXX. I called XXXX at XXXX 's suggestion and told a representative at XXXX that I had paid my final bill on XXXX. I specifically said to the XXXX representative I did not owe the bill because I was told by XXXX that the XXXX bill would be my final bill. It was not until I received the call from LJ Ross that I was I told I had an outstanding bill. I then asked to speak with the credit department at XXXX and was told that they do not have a credit department. I spoke with a supervisor - XXXX - XXXX XXXX and she said that the XXXX representative should have been better trained about stating that I had paid the final bill. She said that she could not and XXXX could not do anything about the attempt of LJ Ross to collect the debt for XXXX because the collection matter was sent to LJ Ross. She did not offer to do any investigation. I see that the debt now appears as a collection on my credit reports. I have never received a bill from XXXX after I paid the final bill so I have no knowledge of what that bill is for. I was not requesting a transfer of service, I terminated service on XX/XX/year> and have no need for utility service with XXXX. XXXX at XXXX told me that they tried to reach out to me and had no further address for me but because I was terminating service, there was no need for me to provide an address.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I deposited a check into Citibank atm because the bank was closed but i had already signed the check and I didn't want to walk around with a signed check. Some reason it flagged my account and Citibank froze my account. I called and they said they had to verify the check from XXXX XXXX XXXX XXXX and said it would take XXXX to XXXX hours. That was XX/XX/XXXX. I called the XXXX XXXX  and they said the check was paid and the funds already released to Citibank. And Citibank still refuses to release my account. I don't know what to do and I can't pay my rent because my account is frozen.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Upgrade, Inc. (FL)

This upgrade loan was opened fraudulent, and they have no proof of who opened this account. I have asked for proof they cant validate this account and the credit bureaus ( XXXX and XXXX ) won't delete it. the date that this account was opened i never applied for any loan ( XX/XX/21 ). Upgrade has failed to proved me with any documents. upgrade also have an address reporting as my living address that don't belong to me. XXXX XXXX XXXX XXXX XXXX, FL XXXX. Fraudulent address I've never lived there. please help me get this off my credit profile.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NE)

On XX/XX/year> I submitted a mobile wire transfer from XXXX of my bank account to the other. This was around XXXX XXXX. Then around XXXX Citibank called me because this is the bank that I have money in the account to do the wire transfer. They called and left a message and asked for me to called them back regarding my wire transfer. I called back around XXXX XXXX  and gave Citibank all of the information they needed and they told me that this transfer would be cancelled and to resubmit the transfer. So I went back into my mobile app and resubmitted the mobile transfer. This was around XXXX XXXX. Then around XXXX I tried to get on my mobile app to check the process of the wire transfer and the app told me that the account has been locked. I didnt understand why so I called the Citibank again. Citibank then told me that my account is u see review and to wait XXXX hours and I will be able to access my mobile app again. Then on XX/XX/year> around XXXX XXXX  I called the bank again because I still couldnt access the mobile app. They then told me that my account had been closed and that I had to wait for more information which will be mailed to me in a letter in 7-10 business days. Then I called again around XXXX XXXX to see what else I can do because I really need my money which is {$2800.00} to pay my rent by XX/XX/year>. The bank told me that there was nothing else that they can do and I have to wait and the whole process can take up to 30-60 days. So I asked to file a complaint with the bank. The bank then called me back around XXXX XXXX  and said there was nothing else that can be done. They cant give me any information and I have to wait. This is ridiculous. I didnt do anything wrong and I need my money back.
Consumer complaint received 2024-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc. (NC)

I have tried previously with this issue with Cash App, and I am trying again. I called and spoke with a representative today named XXXX. She informed me that I should reinstall the app and install it again. After I do this process, click the question mark and answer the prompts. I did this and learned that data is still linked to my personal information. For example, I was able to find my account through a credit card I have that is linked to an account. 
As I spoke to XXXX, I explained to her that another device has been linked to my account the last time I was able to log in, and I saw it was a brokerage account. 
I did create a new account later tonight, yet my identity could not be verified, most specifically my SS number. 
The last communication I had from Cash App communication asked me to mail many forms of my identification without providing a resolution. 
I am a victim of identity fraud with my case number being XXXX at the XXXX XXXX XXXX XXXX XXXX 
There are discrepancies on the report ; yet, it specifies technology fraud.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Financial Intermediate LLC (TX)

Credit card has been over charged and being held responsible for unauthorized purchases made with my card while its been reported lost or stolen Till XXXX of 2023 Over {$7000.00}
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

These accounts constitute a clear violation of the contract and are fraudulent. The bank did not provide me with critical information about this fraudulent account, which directly infringes upon my consumer rights. Consequently, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to address this matter directly, as the bank 's actions have caused substantial harm to my financial situation. The accounts in question are : BANK OF AMERICA XXXX and BANK OF AMERICA XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (NV)

As per my written request of XX/XX/year>, the following debt collection agencies and credit bureaus have ignored my request and ignored the law by not submitting to my request for debt validation of the debts being reported on my credit report. 

the DEBT COLLECTION companies in violation of the law include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My bank of America business card was involved in fraud where over XXXX dollars was spent in XXXX Florida ( I live in XXXX, TX XXXX between XX/XX/XXXX and XX/XX/XXXX. I was able to catch the fraud on XX/XX/XXXX and notified the bank before some transactions had posted. Bank of America has denied these fraud claims. My attempts. Not a single call was made by them, to me to request any additional details. They just closed the case without reimbursing the fraudulent amount. 

Here they are, all around XXXX, Florida XX/XX/XXXX XXXXXXXX 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

Subject : Request for Review of Disputed Venmo Transactions Under Regulation E Dear Consumer Financial Protection Bureau, I am reaching out to seek your assistance with a series of disputed transactions on my Venmo account. Initially, I filed a dispute for an unauthorized charge of {$68.00} on XX/XX/XXXX, which was promptly denied without a thorough investigation or adequate explanation. Furthermore, I was not provided with any documentation regarding the decision-making process. 

However, my concerns extend beyond this single incident. In XXXX and XXXX of XXXX, I noticed two significant unauthorized transactions from my account to the same individual, totaling {$1900.00}. Despite contacting Venmo and discussing these issues with their representatives, I was informed that nothing could be done to address these transactions. 

Upon further research, I have come to understand that under Regulation E, I am entitled to certain protections against unauthorized electronic fund transfers and a formal dispute resolution process. Given t

he lack of resolution and transparency from Venmo, I am requesting the Bureau 's intervention to review my case and ensure that my consumer rights are upheld. I have attached screenshots of the disputed transactions for you
r reference and am willing to provide any additional information required to facilitate this review. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MN)

XXXX XXXX XXXX has an at fault accident reported on my driving recors for XX/XX/year>. This was not an at fault accident. It was damage caused by a hail storm for which I filed a claim for comprehensive insurance. I have documentation of this in both photos and documents provided by XXXX XXXX XXXX. This error in reporting is affecting my insurance premiums. I am unable to cantact anyone with XXXX regarding this matter.
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Best Buy Credit card issued by Citibank uses deceptive methods to overcharge consumer on fees and interest. I pay my balances in full every month to avoid paying any interest. However, this company uses their own payment allocation method even though I have called them several times and requested my payments made need to be applied to certain balances. Here is how it started with my XX/XX/XXXX statement : They sent me XXXX percent interest promotional checks. XXXX checks were attached at the bottom of the letter they sent out. Without paying attention to the print on the side of the check I used the bottom check because it is the first XXXX to get to. I wrote the check for {$4000.00} on XX/XX/XXXX. I knew about the {$200.00} transaction fee. Within couple of days I found out the bottom check I tore out was not XXXX percent and in fact it was 4.99 % interest. I was furious as to why they would mislead the consumer this way by making the easiest check to get to a difference promotion and I had to cut out and discard that check in order to get to the XXXX percent check. A copy of this promotional material is attached for your reference. As you can see on my statement I paid the {$4000.00} plus their {$200.00} fee off on XX/XX/XXXX only 6 days after I used the check. I spent over an hour on the phone telling them this is unfair and I should not be paying any fees or interest for their deceptive method of confusing the consumer, they did not care. I had clearly stated the amount of {$4200.00} is to be applied to the money I borrowed and the {$200.00} fee on it. In addition I had made another payment of {$500.00} on XX/XX/XXXX to be applied to the other charges for the same period statement. They took it on themselves to only apply the {$4000.00} to the promotional transfer and {$700.00} to the other sections even though these XXXX payments were made over XXXX weeks apart on purpose! 

In the month of XXXX I called them again to find out the amount I need to pay to not incur any interest and I made a {$1400.00} payment to cover XXXX highlighted charges of current charges, a balance transfer that needed to be paid off this period and the {$200.00} fee which was carried over from the balance transfer which was supposed to be paid the month before. 

On my XXXX statement as you can see they still did not zero out the balance transfer that was supposed to be paid off in XXXX and I had sent in adequate funds to cover it! 

On my XXXX statement they are charging me {$16.00} interest on my current charges when they had been paid off in full! 

This practice is so confusing and I had even taken additional step by calling them on the phone and verifying amounts prior to paying it and every time they took advantage and still applied the payments the way the see fit.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have several inaccurate and inconsistencies on my credit report. XXXX, Experian, and XXXX have been contacted via phone and mail about any and all errors on my reports, but have not corrected or provided me with proof of a true investigation for my disputes. 
I have attached my trimerge report provided by XXXX and my credit report from XXXX, A dispute response from XXXX. Here is a list of things that are missing, inaccurate, and inconsistent on my credit reports. 

Experian Report : My name is XXXX XXXX XXXX, but is reported as XXXX XXXX and many other variations. 
My address is XXXX XXXX XXXX XXXX FL XXXX, but there are 3 extra addresses on my report. 
They're reporting 2 late payments for XX/XX/2017 on my XXXX XXXX acct XXXX XXXXXXXX ... and acct XXXX XXXX, which are incorrect. I've never been late. 

XXXX Report : They're reporting 1 late payment for XX/XX/2017 on my XXXX XXXX Acct XXXX XXXXXXXX. I've never been late. 

XXXX Report : My name is XXXX XXXX XXXX and they're reporting it as XXXX XXXX and other variations.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (NC)

On XX/XX/XXXX at XXXX there was an unauthorized charge on my account in the amount of {$30.00}. I disputed this with Chime. As the dispute process is going on, I received multiple calls from Chime Representatives. Since the dispute was active, I spoke to one of the representatives who walked me through a process to make my account more secure. However, this was a scam and I was scammed out of {$880.00} on XX/XX/2024 then immediately disputed this. However, the dispute was denied within XXXX hrs. I called them on XX/XX/2024 to see why it was denied or to see if anything could be done. This was my entire paycheck taken and I do not feel like anyone can help me or has taken this issue seriously. I feel as though this was an inside issue as the scammers knew that I was disputing the original {$30.00} and somehow got my contact information. Please help me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PR)

I have been dealing with this issue since XXXX of XXXX JPMCB reported a card that I never took out or had the ability to use to my credit report at first i didnt notice because there was no damage done to my report from having all the way up until XXXX when whoever opened this account stopped making payments I had no need to check my report consistently as I wasn't taking on to much debt during this time, however when the negative payments started affecting my credit and ability to take out new loans to my surprise I noticed the JPMCB card reporting delinquency this account has significantly affected my credit score since then and I have been actively trying to dispute this account directly with Chase with no luck I never took out this debt or accepted responsibilty for this act and do not feel i can be legally obligated to pay this debt with reasonable doubt as to the legitimacy of this account the most recent balance reporting is {$110000.00}