davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I I asked her to validate the bit the bill send me the original contract stating that I signed up for them to collect the debt. I also asked for them to show me the day that it went to collection in the day that the bill was validated like the actual date that it the item was purchased is two separate accounts but the item is the same item. This item was purchased in 2018 and by law should I already been off of my credit but when I reach out to this credit company, they refused to send me any information on this on this information validate this information
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (IN)

I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with NCB MANAGMENT SERVICES, they did not provide me with the original contract as I requested This account is not mine.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FinCo Services Inc DBA Current (MA)

on my credit report it shows that I have a debt through my current credit card. which I do not. i have a positive balance of over XXXX $ & that has been positive for months. I need that removed & updated please at your earliest convenience because it lowered my credit score by XXXX pts. thank you in advance Also, my credit report shows that my oldest account open is 3 months but ive had my current account opened for about 7-8 months, which could potentially affect my XXXX score in a positive way but this is holding me back, when they have the wrong information posted
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I am waiting on a refund of the overpayment of {$27000.00} for the past 6 months ( I made the payment on XX/XX/year> -last semester ) Nelnet hasn't processed it as of now and there is no processing date provided to me as of today. However, I did receive a statement of the current semester loan with interest due. I could have paid my current loan if I received this refund from them promptly. 

They are holding my overpayment of $ XXXX and on the other hand, I am paying 8 % interest on that amount plus have additional debt with interest. I am attaching the letter as it is mentioned that it will be processed with no date of disbursement and the current semester loan statement with interest payment.
Consumer complaint received 2024-08-22
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: Experian Information Solutions Inc. (TX)

Subject : Complaint Against EXPERIAN for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EXPERIAN for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EXPERIAN has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EXPERIAN to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and XXXX. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EXPERIAN for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EXPERIAN upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (PA)

Dear Sir/Madam, I am writing to file a complaint on Marcus by Goldman Sachs XXXX for freezing my account and not letting me withdraw my money. 

I tried to withdraw my money from my account at Marcus by Goldman Sachs at XX/XX/XXXX. They blocked the withdrawal without letting me know the reason. They also froze my account, so I am not able to withdraw my money. 

Over the past three weeks, I called them around 8 times to resolve this issue. At the first and second call they said that they could not do anything over the phone ( which is all they have, they don't have physical branches or even emails ), because they were not able to verify my identity in their system. At the they promised that someone would call me back in 1-3 business days to, but they never. 

At around the 4th or 5th call ( XXXX XX/XX/XXXX, one of the agent was named XXXX ), they said that they would mail me an Affidavit of Identity. A supervisor named XXXX promised that she would send me that form the next day, and that I would get the form in 7-10 business days. But when I called back on XX/XX/XXXX, she never did. The agent promised that she will get the Affidavit of Identity sent out the next day ( and have somebody called me when it gets sent ). Not hearing back after a few days, I called back on XX/XX/XXXX, and it turns out they never mailed it. An agent named XXXX said that I should be getting the form in 7-10 business days. But after having being told that for so many times, I have lost all confidence in them keeping their promises. 

Marcus is just purposely preventing me to withdraw my own money there, in the name of security and authentication. It has almost been a month, and they have still yet to send out a simple Affidavit of Identity for me to fill out. And that is despite I called them over and over again. They did absolutely nothing concrete about this apart from saying vague words " creating a case '', " making a note to expedite this ''. 

Looking around the internet, I realized that Marcus is notorious for holding up their client 's money using similar excuses. ( https : XXXX ). 

At this point, I am totally fed up with them. 

Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP. (CA)

I made a deposit in XXXX and the company will not return the money to me. I have my moms credit card and she lets me use it. It only has a {$300.00} limit. She lives in a different state than me, does not know how to write in English. The deposit was made in XXXX and because the card is in my moms name they will not return the money to me or let me gain access to it. They are asking for my mother to take a picture of herself holding the card and holding a written out statement that she allows it. Again she lives in a different state, she cant write in English and I have provided all my information. I have access to the account, I have the statements which show payment history, etc. They will not accept it. I was not aware when I made the deposit that it couldnt be my moms card. If that were the case, they should have just done a temporary hold or better screening method and rejected my deposit. They will not return the money to me and will not let me transfer it or anything.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I obtain my Credit Report and XXXX and XXXX are reporting a US BANKRUPTCY DISCHARGE XXXX ACCT # XXXX on my report. I immediately wrote them a letter asking for Verification of this information they say it has been verified this thru a Third party LEXISNEXIS. I wrote them a letter asking to verify where did you receive this information. Then I wrote the Courts and asked did they give my personal information to the Credit bureau they told me no. I call the Credit Bureau back to let the know the Courts told me they never give out personal information to Credit bureau and it been 10 years XXXX this should be remove immediately off my Credit report to no Avail. This is why I am asking for your help thru the FCRA to get this Public record remove off my Report
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I have disputed LexisNexis several times on why my report has incorrect information. Currently the bankruptcy record that LexisNexis keeps reporting is that I did not have legal representation on page 64 of the LexisNexis report where it says " Petitioner Represented by Attorney '' it says " NO '' which is incorrect. My Attorney is XXXX XXXX XXXX XXXX. which is also populated on the LexisNexis report on page 63. 

The LexisNexis report also shows that XXXX XXXX XXXX as the provider of the record on page 63 under Section 8 under Bankruptcy Records, Record XXXX : XXXX XXXX XXXX XXXX. As per my evidence I attached, neither XXXX XXXX XXXX XXXX or the XXXX XXXX XXXXXXXX XXXX provided/gave in any fashion LexisNexis the Bankruptcy information. LexisNexis keep saying that XXXX provided them with the information but the record shows XXXX XXXX XXXX XXXX which is incorrect. I even reached out to XXXX and they also responded that via email that they didn't provide any information to LexisNexis but LexisNexis keeps blanently keeps reporting incorrect data while lying about where the data is coming from. XXXX XXXX XXXX XXXX is not XXXX  and XXXX  is not XXXX XXXX XXXX XXXX, therefore LexisNexis is knowly reporting false and incorrect information. 

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 the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverified information ( A ) in general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be in accurate or incomplete, can not be verified, the consumer reporting agency shall - ( i ) properly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) properly, notify the furniture of the information that the information has been modified, or deleted from the file of the consumer.
Consumer complaint received 2024-02-16
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: DISCOVER BANK (CA)

I found an incorrect item on my credit report. 
Discover Bank Account number XXXX ************** XXXX {$610.00} This credit card account is unknown. 
I have not received or used this credit card.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXX : [ XXXX ] XXXX  ENDING IN XXXX [ XXXX XXXX : [ XXXX ] XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

The following accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are hindering me from getting a new car and a mortgage for a house because my credit report has compromised. The above accounts and inquiries are fraudulent and I want those accounts removed from my report.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/scrub>XXXX  I filed a dispute claim for unauthorized fraudulent charges of {$1300.00}. It was denied XX/XX/scrub>XXXX  with the absurd reasoning of transactions appeared to be authorized because successful online banking logins and attempts during disputes timeframe. This is absurd reasoning, I deposit and spend money on my account so I assume that the money is there and when I login I have a balance, not aware that it is an incorrect balance. It is not to my knowledge that transactions were being made in my account as they were mixed into my own and I didnt look at any transactions and dont regularly log into my account as I assume that my money is safe. It is only when my card declined on an online deposit that I became aware and investigated my transactions history seeing and immediately reporting the fraudulent unauthorized transactions to TD BANK. It can be my fault for not being privy to my own book keeping of what I spent, but it is not my fault for the fraudulent transactions that have appeared on my account, and it is also TD BANKS fault for not catching the fraudulent transactions before they took place and I am actually the individual who caught them! 

On XX/XX/scrub>XXXX  I filed a dispute claim for unauthorized fraudulent charges in the amount of {$460.00}. These were part of the other claim but could not be filed together as these charges were still pending in the account and needed to post to the account first. On XXXX  this dispute was denied with the absurd reasoning that You advised your chip card was in your possession, during an in person transaction. Which is absurd because if they actually did do an investigation, contact merchants, or pull camera footage they would be able to see that it was not me who made the transaction or if it was altered/ fictitious card. It may have not even been a card used and may have been a nfc transaction, or the card may have been skimmed/ cloned. There are so many variables which make this reasoning of determination absurd. 

I have been banking with TD Bank for probably more than a decade and have never filed a dispute for any prior transaction that have been made in my account. The one time that fraudulent charges do occur and I attempt to report it and be reimbursed and td bank is trying to hold me accountable for unauthorized fraudulent charges on my account that was not even caught by them, but instead by me is absurd.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am submitting this complaint on my own behalf regarding late payments on my credit record. Upon reviewing my credit report, I discovered the presence of these late payments. Despite sending letters over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-12-06
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)

According to 15 USC 1681e Compliance and Procedures section ( 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC. (FL)

On XX/XX/XXXX, I received an email with the text Unfortunately, we've decided to close your account. with a XXXX XXXX  link. Following that, it basically said the reason was Suspected Fraud. At the time they closed my account, I had points worth over {$300.00} if used to pay certain merchants, and a bit over {$200.00} if used with others or for cashback. They removed the points, so if anyone has done something fraudulent here, its them. I contacted their customer service and basically they refuse to tell me more details about why they suspect fraud and refuse to do anything for me to reinstate my account or provide the cash value of the points. 

Each month on the 5th of the month, I have several scheduled charges for donations to my Church. This had been on-going since XX/XX/XXXX, so it was nothing new. In XX/XX/XXXX, the largest of these monthly charges was declined. Later in the month I manually ran it, and it was successful. The morning my card was cancelled was the XXXX of XXXX, and it was cancelled hours after another set of donation charges went through, none of them being declined this time. Oddly, the cancellation seemed to happen right after I had used points to pay off a charge that was less than {$20.00}. 

Please note that this is with the XXXX card, which Robinhood Markets acquired in XX/XX/XXXX, which is why Im logging the complaint against Robinhood. If this should be against XXXX, XXXX, please route it accordingly, but since the issue is from XXXX, the new owner seemed appropriate to me.
Consumer complaint received 2024-02-16
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 (CO)

On XX/XX/XXXX, Venmo informed me that my teens account had been frozen with {$1000.00} in it. They said it was for violating the user agreement. When I asked them for specifics, they replied on XX/XX/scrub>XX/XX/24 that my teen account would be shut down and ( From the email ) : The funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo.

Im OK with having the teen account banned, but not keeping the {$1000.00}. 
To hold the funds for 180 days should be illegal if its not, especially given that they wont divulge which part of the lengthy user agreement was violated.
Consumer complaint received 2024-05-09
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. (CA)

80 % of the things showing on my credit should not be there, old address I never lived at, credit cards I never had, loans an payday loans I never got, I think this could be do to someone using my name fraud situation, My father has the same name in the passed he has got things in my name using my social security number, I did 10 days in jail for a situation that happened in XXXX XXXX were he was pulled over an he used my name an birthday, my probation officer violated me thout I was in XXXX XXXX, This has been going on for quite sum time. Please remove the things that doesnt belong Thanku