davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc. (NJ)

My dispute was practically instantly denied for some reason which is unbelievable. I put the reason of my dispute because of a missing package and the atrocious support from the seller not even assisting me with the situation. I literally provided complete proof in my complaints for the dispute and again giving me pre written messages stating the dispute isn't valid. What does that even mean??? I had to go to the whole USPS claims process regarding this exact package and wasn't paid in full because the seller didn't even put insurance for an expensive order.
Consumer complaint received 2024-07-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company (GA)

I was trying to refinance my home and I, was under the impression by the agent handling my case that, I was per approved as we got further. I paid out of pocket for certain things. On the strength that they re assured me that things were moving along they change the original deal a couple of times and they still end up denying. My Mortgage went up extremely
Consumer complaint received 2024-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

This is continuation of my previous report # XXXX. 
I sent money to the XXXX XXXX using Remitly. I sent {$2000.00} to a company. The company says the recipient never received the money. When I contacted Remitly they said someone already picked up the money. Then later they ask to see the bank statements for the recipient, the dollar account and the dominican pesos too, I sent Remitly both, and now they tell me because I sent the money in dollars to a dominican pesos account they don't know what happened to the money. They cant even do a reversal, and telling me to call the recipients bank, the recipients bank have no deposit. and XXXX XXXX have been dealing with this since XX/XX/2023 and there has been no resolution. I need to know where my money went. Remitly is not helping me at all they just tell me the money is lost and they have no idea where its at. The account number that it was sent to is correct but the money was never received and they can not tell me where it went. Please
Consumer complaint received 2024-05-04
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. (MI)

THE FOLLOWING DEBT WAS NOT AUTHORIZED AND ARE UNLAWFUL AND FRAUDULENTLY LISTED ON MY CREDIT REPORT IN ACCORDANCE WITH 15 U.S.C.

1681.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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. Account name :XX/XX/XXXX Account Number XXXX, XX/XX/XXXXAccount Number XXXX, Account name XXXX Account Number XXXX, Account name : XXXX Account Number XXXX, Account Name XXXXXX/XX/XXXX Account Number XXXX, Account Name XXXXXX/XX/XXXXAccount Number XXXX, Account name XXXX Account Number XXXX, Account Name XXXX XXXXXX/XX/XXXX ( Original Creditor : XX/XX/XXXX) Account Number XXXX, Account Name XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX, Account Name XX/XX/XXXXAccount Number XXXX, Account Name XX/XX/XXXX Account number XXXX, Account Name XX/XX/XXXXAccount Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XX/XX/XXXX Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name has violated my rights. 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 2024-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (KS)

On XX/XX/year> I was informed by Venmo that my account was temporarily closed and I needed to verify my identity by submitting a picture of my photo ID. I sent a picture of my drivers license. I then asked for specifics as to why my account was frozen. On XX/XX/XXXX I got an email stating that my activities go against their user agreement and my account will be permanently closed. I again asked for specifics and was told they will not give that information out and to check the user agreement. However I was unable to locate anything that I violated in the user agreement. They then told me they can no longer help me.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-05-01
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

The portfolio recovery sued me on unrecognized debt. I believe on debt under {$1000.00} but not on {$6500.00}. There is unjust judgment against me. I asked for documents but no one delivered it to me. Debts were disputed but as I said debt is not accurate. No one hear my voice. I am in an emergency situation and I need your help.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (TN)

There is so many that we don't know all the dates and amounts but there is several... And it is thousands of dollars we need refunded back to our bank account they have taken out fraudulently .... And removed from our credit report! 
But our daughter took our identity and opened these accounts and she has now sadly passed away in a car wreck, but we had no knowledge of any of this she was doin to us! Cause we would prosecute her for this, we have before!
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am disputing the inaccurate reporting of late or missed payments for the following accounts, which should be listed as PAYS or PAID AS AGREED : XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX. Please update the account as Paid/Current. 
XXXX ( Account Number : XXXX ) : I was never late on this account in XX/XX/XXXX or XX/XX/XXXX. Please update the account as Paid/Current. 
Pursuant to 15 USC 1666b, a creditor may not treat a payment on a credit card account as late unless reasonable procedures ensure that each periodic statement is mailed or delivered to the consumer at least 21 days before the payment due date.

Additionally, furnishing inaccurate information on my consumer report violates 15 USC 1681b. The credit reporting agency 's failure to ensure accuracy has caused me severe stress and anxiety due to these abusive and unfair practices.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

This has been an incredibly painful process. I was a victim of a XXXX Ponzi Scheme that took place on the XXXX platform. I had exhausted all of my efforts to try and recapture my money through the legal system and with XXXX but since the company is a Ponzi Scheme and nothing recoverable, the only was to recoup my money is by Citibank holding the merchant accountable. I spend XXXX on an SEC lawyer to compile a professional statement of facts that fully articulates my complaints and would leave no doubt that I was scammed. I have filed over 8 disputes with the bank and Ive asked everytime for the investigator to call me to discuss details as the case is very complicated and would be impossible to piece together without opening dialogue with. The only people that I can speak with are outsourced call centers where the representatives are like robots, they are not qualified to understand the complexities of my case and I have to rely on these representatives to accurately relay messages to the supposed investigator. This is a broken system. Because of XXXX unwillingness to conduct a fair investigation, I will have to file for bankruptcy. This ineptitude has had deviating consequences.
Consumer complaint received 2024-07-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

Bank of America reported a late payment due to XXXX XXXX XXXX XXXX XXXX 's felony hate crime against me, a former employee, who can not access my checking account to repay overdraft and make bill payments.
Consumer complaint received 2024-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

This account has been found to be reported inaccurately with dates reported, incorrect balances owed, and in violation of my personal protective rights, which has not followed the guidelines of the CFPB. FCRA, and the Gramm Leach Bliley Act. Disclosure of my non-public personal information. I take this offense very seriously. Its implied attempts to harm my finances, my credit, and my livelihood. I've made several attempts to validate this account. With no response given. This lack of transparency and failure to regulatory requirements is unacceptable.
Consumer complaint received 2023-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Certified Solutions, Inc (NJ)

I received a letter from Certified Solutions stating I had an account that.was placed for collections. The letter listed a date of service, an account number, my name, a file number, and the balance due. In the body of the letter the was also a phone number to call Toll free for questions and a 24 hour automated customer service number. No where in this letter was listed thr name of the original creditor. So I called the toll free number and was told to hold for a person then the line was disconnected I tried this 2 times. Then I called the 24 hour line and was asked for my account number, which I put in, per the letter, then it asked me for my last 4 of my social security number. Well I don't give that out without more information so I hung up. I have 2 different letters with 2 different dates of service with no creditor information on them how can I verify that this is even my debt like this? XXXX  there is no information of how i can dispute the debt.
Consumer complaint received 2023-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

These credit companies took money then returned it and said I didnt have the funds when I did and reported late payments on my account A creditor XXXX 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.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Consumer complaint received 2024-07-17
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: CITIBANK, N.A. (CO)

I recently sent an Identity Theft report filed through the FTC to all 3 major credit bureaus- XXXX, XXXX, and XXXX. I have a credit card account through Citibank that is Identity Theft and all 3 bureaus denied this report. 

I have attached a copy of the letter sent to XXXX with all of the supporting documentation regarding what I sent to all 3 bureaus regarding my ID theft.
Consumer complaint received 2023-06-09
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: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesng the Credit Bureaus to invesigate and remove the accounts and informatiojn being reported on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Unpaid Balance {$3000.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$760.00} XXXX XXXX Unpaid Balance {$0.00} Bankruptcy XXXX  XXXX Dismissed Docket Identifier XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. While I am uncertain about the exact nature of these unauthorized accounts and information, I trust that you will conduct a thorough investigation to determine their legitimacy.
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I have reached out to these companies informing them that these accounts dont belong to me. I have sent out dispute letters to experian, XXXX, and Equifax. over 30 days ago with no response. Iam a victim of Identity theft and im trying to get a house and this is hurting my score. 1 ) XXXX XXXX XXXX ( original - XXXX XXXX XXXX, XXXX ( XXXX ) ( account # XXXX ) I HAVE NEVER HAD THIS account PLEASE Delete NOW! 
XXXX ) XXXX XXXX systems ( original - sprint ) ( account # XXXX ) I HAVE NEVER HAD A account with these people. PLEASE delete NOW! 

XXXX ) XXXX XXXX AT XXXX XXXX XXXX XXXX Account XXXX XXXX I HAD A account WITH THEM please delete NOW! 

XXXX XXXX XXXX XXXXXXXX XXXX  ( account # XXXX ) delete now! 

XXXX ) XXXX XXXX XXXX ( original -CEP XXXX XXXX XXXX ( Account # XXXX ) & ( account # XXXX ) delete both account number they are reporting differently!
Consumer complaint received 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (PA)

XXXX XX/XX/XXXX I was issued a refund on my student loan that resulted in a credit of $ XXXX.I called MOHELA to find out what I needed to do to get the refund. I was told they would review my account and issue it automatically after a XX/XX/XXXX day review. After 3 months of no refund I called again. I was told the Dept of Education had to issue the refund. I called them. I was told MOHELA had to initiate the refund. XX/XX/XXXX I called and MOHELA finally initiated the refund. In XXXX, I called and was told it could take 90 business days to receive my refund. The first week of XXXX I received an email that my account was closed. When I logged in to my account the loan was gone. No history to be found. I still did not have a credit and the loan had disappeared. I called AGAIN. XX/XX/XXXX they placed an escalation to find out what happened to my refund. XX/XX/XXXX I received a check for {$310.00}. I called again since it was a quarter of what I should have received. I was informed they only showed on my account that I was issued {$160.00}. I was told that the escalation was still in effect. It should only take 5 to 10 days for an escalation. I called today. I was told I was misinformed and that the escalation could take 263 BUSINESS DAYS! That is XXXX!!! There is a serious glitch with my account. I can not get any answers. No one seems to actually know what is going on and I get a different story every time I call.
Consumer complaint received 2024-08-03
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (NJ)

We have a monthly payment that doesn't quite get to them the exact moment they want their money due to pay weeks not lining up. Yet they get their money every month. We had an issue with them calling my wife atheist XXXX times a week, now that she told them it's harassment and it's illegal to call this frequently they started with me. Yesterday alone I received XXXX phone calls. I can email screenshot of all these phone calls. I'm being harassed. Westlake financial called me XXXX  times from different numbers on XX/XX/year>.
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The dates I received my loans was in XXXX on my credit report it is reporting and stating that I received the loans in XXXX that date is incorrect. I have provided the correct paperwork for the dates I took out these loans. This is only suppose to be reporting for 7 years. The time frame is up to continue to report these loans on my credit. It is making my score go down a tremendous amount. Please take these off my credit reporting profiles.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

I was scammed pretending to be loan lenders and those scammers remotely accessed my account and did unauthorized transactions, I have text message alerts to all major transactions made but never received any text, i came to realiaze later that my account is negative, those scammers had already pulled money out of my bussiness account, i did attatch all dates and phone calls made to my bank since XX/XX/2023, They are threating to permanently close my account if i don't pay money stolen. I have had that banks almost 15 years.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Experian is showing that I owe {$99000.00} in student loans, when I only owe {$62000.00} in student loans. They are listing XXXX loan accounts, XXXX for {$36000.00} and XXXX for {$62000.00}. All of my student loans were consolidated into XXXX account years ago. I contacted XXXX XXXX months ago regarding this issue, and I was told they are aware of the problem reporting. Yet, they haven't fixed it. I have disputed the information twice with Experian, and they refuse to correct it. I filed another dispute on it with Experian, and also a complaint and dispute with XXXX, in writing today. I am concerned that I will be refused some credit that I apply for, due to showing such a high student loan balance and debt load.