davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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 (TN)

On XX/XX/year> I received an email from Venmo alerting me that my account was suspended for undefined suspicious activity with a request to submit a photo ID and change my account password for security. I promptly, within 10 minutes, complied with the requests. When I received an email it stated that it would take 7-10 business days for me account to be reviewed. During this period, they froze the funds in my account ( approx {$400.00} ) and I had no access to them, even just to transfer out to my connected bank account. Again, with no explanation as to why. I contacted Venmo multiple times via their chat option and was unable to obtain any information or access any of my funds. The agents were generally unhelpful. I can provide chat transcripts if necessary. On XX/XX/year> I received an email from agent XXXX XXXX letting me know that my info had been received and that there was more information required, she did not tell me what information to complete the review before my funds would be unfrozen. She told me that she was passing my case to another team and they would reach out, she did not tell me what team. I responded to the email on XX/XX/year> asking what the additional info was and what the team was. She did not respond. I sent another response to the email on XX/XX/year> asking the same questions, as well as reiterating the fact that I have currently been provided no info of why the account is frozen, no info of what information they need to unfreeze the account and no information of what team I should be speaking with the have the situation resolved. I have been cooperative with what they have asked ( photo ID and change of password ) and I have received absolutely zero info of anything at all. I finally received a response on XX/XX/year>, again from agent XXXX XXXX ( not another or different team ) with a copy and paste form letter stating that my account has been permanently deactivated, my funds will inexplicably be held for 180 days and stating that they will not divulge why this has happened. I want access to the funds in that account, because they are my funds and there has been absolutely zero explanation from Venmo as to why they are being held for an extended period of time ( or at all to begin with. )
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I recently lost my job and will not be able to get back to work until XXXX. When I called Navient to try and work something out with them as far as deferment, they would n't work with me. They said there was n't anything they could do and just reminded me of the repercussions of defaulting which is what I told them I was in fear of doing.
Consumer complaint received 2024-07-11
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: EQUIFAX, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-16
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/year>, I received a 30 day past due notice from my amazon/ SYNCB card. I reviewed my account and noticed unauthorized transactions on my store card. I have been out of the country since XXXX and I did not have a balance on my card. 
I called in and reported this and this morning XX/XX/scrub>XXXX XXXX XXXX SYNCB/ Amazon XXXX my consumer account as 30 days past due again.After being told I am not responsible for any fraudulent activities and my account will be closed and reopened.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (RI)

In according with FCRA XXXX  account number XXXX XXXX  bankruptcy XXXX XXXX. 15 USC1581 section 601A I do not any verbal or written authorized to display my on my credit report personal information published at any source data information without my permission please remove this items from my credit
Consumer complaint received 2015-12-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

I have made XXXX payments to escrow account that was received and cashed by Wells Fargo, but never deposited to the escrow account but rather used to pay interest. 

{$980.00} on XXXX/XXXX/2015 {$500.00} on XXXX/XXXX/2015 FYI monthly mortgage payments are {$630.00}, and monthly escrow payments of XXXX
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As per my recent credit report, there are multiple inquiries that I did not authorize. Below is the detailed list of these hard inquiries : 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 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Furthermore, I have filed an identity theft report which is attached to this letter. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (CA)

The unfamiliar credit inquiries on my report are really concerning, as I do no remember applying to these companies and I am fully aware of it, I did not give them permission nor consent in accessing my information. This is causing me a lot of stress and XXXX
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

I received a settlement in XX/XX/year> for {$96000.00}. I decided to transfer {$90000.00} to my business account and kept {$6000.00} in my regular checking account. I went in to the bank to pull a {$15000.00} cashier check in XXXX as well to buy a vehicle. I had made transaction of a XXXX XXXXXXXX dollars every now and then from my business to my checking account. However in the beginning of XXXX I reviewed my business account and noticed some transaction that did not seem familiar. I got in to contact with Wells Fargo to inform them of this. All of the items I disputed where denied and I did not receive my money back. I was given no explanation as to why. In XXXX I noticed my account almost drained and contacted Wells Fargo to report the account. Once again they denied my claim. I continued to contact them in XXXX and XXXX. Money was being moved from my business to my checking account and then disappearing. This totaled up to around {$60000.00}. I have spent every month on the phone for over a hour with a claims specialist listing all the dates for transactions I do not recognize yet nothing is being done. My account was then closed in XXXX with no prior notice to me. They state this is due to fraud in my account yet I have done nothing wrong. I requested more information as to why my account was closed but noting has been provided to me.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax did not complete a proper investigation or update the inaccuracies related to my student loans with XXXX. Despite providing substantial proof multiple times to support my claim, Equifax has consistently failed to correct the incorrect reporting of my XXXX XXXX XXXX XXXX I have also lodged several complaints with the CFBP documenting Equifaxs negligence. This ongoing inaction is a violation of the Fair Credit Reporting Act ( FCRA ). Upon reviewing the results of Equifaxs investigation, it is evident that no proper investigation was completed. This has resulted in no updates or corrections being made to my credit report, which continues to reflect incorrect information. The failure to update and correct my XXXX XXXX XXXX XXXX is not only frustrating but also damaging to my creditworthiness. Equifaxs inadequate handling of my dispute is unacceptable and unlawful.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (SC)

I woulld like to dispute the following inaccurate accounts on my credit report. 

Equifax : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$2600.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (MA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (NY)

let 's start with my intention. I started knowing loans would go back into repayment and was planning to pay off some loans outright so that when forbearance ended, these couple of loans I would pay off was so that it would not apply interest to my balance. I logged onto my loan servicer Edfinancial services in XXXX of XXXX  and checked on my loans and balances okay. I received some birthday money and managed some savings to pay off the loans around the end of summertime. I checked again at the beginning of XXXX and saw no balance due. On XX/XX/XXXX I was paid and had enough saved ( I know a little late but still have two days or forbearance technically ) I logged onto pay my loans off. first off, now my account shows I have a balance due and my loans each have an amount due. I tried to call and inquire about my situation and was on hold for 4 hours plus and was eventually just dropped by XXXX-call. website makes no sense as all loans on website display 0 % interest I have a 4hr+ recording of this last session with the phone call ( well XXXX-call ) and webpage displaying misinformation. even still I wanted to pay off my loans outright and tried to pay online through their portal. when I paid online only after confirmation does it notify me that payments take 2-4 business days. Although this is most likely due to them using bank account info rather than a debit/credit payment portal. however, to be honest why do they not have same day transaction as a loan servicer this alone is a disservice to the people, they service in regard to paying federal loans.
Consumer complaint received 2024-08-07
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. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (SC)

I have a Chase credit card on which I am carrying a balance at a 3.99 % promotional rate for life. I made several purchases before XXXX on the Chase card at a rate of 14.25 % for new purchases. So as not to incur interest on those new purchases I made a payment equal to the Minimum Payment due plus an amount to equal the new purchases I had made, with a little extra for any interest that accrued since the date of my purchases. I did this for XXXX pay cycles to make sure there was not a balance under New Purchases at 14.25 %. It is my understanding that all monies paid over the minimum due will be posted to any purchases at a higher rate. It was not. 
Chase says even though I had made the purchases and those purchases were being charged 14.25 % from the date of purchase the full amount of my excess payment was not applied to the higher interest rate because it was not part of the previous Billing Cycle. XXXX, the account XXXX for Chase, admitted that the new purchases were on my account, when I made my excess payment, and that I had been paying the higher interest rate on those from the date of purchase, but XXXX said that the full excess payment was not applied to the higher interest purchases because the charges were not included in my previous billing cycle. XXXX said " it was the law ''. 
I am currently still paying 14.25 % on a balance that should not be there. I followed the rules as they were explained to me by a Chase representative and got screwed. 
I am contacting my Congressmen in hopes that this will stop once and for all. 

Had I waited for the new purchases to hit the new billing cycle I would have paid even more interest. Is this the way the new financial rules are suppose to work? More interest for the banks?
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX