davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

I have been locked out of my venmo account for a few years now. I no longer have access the email address or bank account information I used to create the account, therefore can not verify my information digitally. 

Over the course of these year, I have tried on multiple occasions to contact customer service through the message option on the venmo website. In my message to venmo I clearly state the issue and that I can provide my SSN to verify my identity. I have never received a response to any of the messages. I have called customer service multiple times, however the way the system is set up, there is no longer access to a live person to explain my issue to. The most recent time I contacted customer services was this past week by sending another message, calling, and attempting to use the chat bot. I had a friend accidentally send money to my venmo account and the only way to refund the money is for me to refund it. I can not do this unless I can access the account which I can not. I also have no idea if there are funds in the account from previous usage. This is my last resort as the messages that are sent through the Venmo website do not automatically send a confirmation the message was received.
Consumer complaint received 2021-02-11
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S DEPT OF EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF ED/XXXXXXXX/XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I made a US Treasury check deposit in the amount of {$28.00}, XXXX at the XXXX XXXX Citibank branch on XX/XX/scrub>XX/XX/2024. Shortly after I made the deposit I noticed that my debit card was not working. I then visited the branch and was informed that my account was blocked because they were reviewing the check and the review would take 48 hours. I waited for two days and then contacted Citibank about the situation and they informed me that my account was still blocked and that I needed to visit a branch and verify my identity and address. I visited the Citibank branch and provided my passport, mail, as well as source of income which included my tax return. They then told me that they would not accept any of my documents and that I needed a drivers license. I went to the DMV and purchased a drivers license and then went back to the branch and provided them with it. I was then told that it would take 48 hours to review. As of XX/XX/2024 my account is still blocked and I still do not have access to any of my funds. I have provided more than enough information to verify my identity as well as proof of address. I have provided this information to more than one branch. At this point I will be taking legal action because there is no reason why I shouldn't have access to my money or my account. I believe I am being discriminated against. This bank is in violation of regulation cc.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

According to a CFPB brochure, effective XX/XX/2022, XXXX, XXXX and XXXX will no longer include medical collection debt under at least {$500.00} on credit reports. 
I have made a payment, and it's still showing an incorrect balance ; it's still showing on my credit.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (NV)

My credit card from First Progress with an account number that ends in XXXX was stolen in 2019. The account was closed due to the card being stolen and fraudulent purchases being made on the card. 
I just recently realized a couple of months ago that the account is being reported as a Charge Off ( CO ).

This is incorrect, the account should be closed only and not have a " Charge Off '' associated with the account. 

When I try to call the company to discuss the charge off they can never find my account so I'm never able to discuss the incorrect reporting with them. Even when I speak to supervisors they aren't able to find the account as well. 

Whenever I try to dispute the account from a credit bureau they refuse to delete the charge off status, but anytime I call the company to inquire about the account they can never find it, even after providing my SSN, full legal name and address.
Consumer complaint received 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (OR)

Shell point is a new sever to this account ( XX/XX/XXXX ) they received it from XXXX. 
the foreclosure was started by XXXX before they sold the rights. 
So one of my issue is the Web site for clients ( my personal dashboard ) is incorrect it says am in bankruptcy and am not los mitigation for a loan modification status.yes I have spoken on this mislabel .if it stays like this am afraid the system will make my chances slim to non in getting a offer in time for a modified loan to correct the nonjudicial trustee sale in five weeks and if that sale happens am be totally homeless even if am offer a modified. 
I understand am not the only client with previous issues from their previous server and I honestly believe that shell point doesn't want a old woman of XXXX to suffer no more than i already have.. 
So I'm reaching out to you to help me bring attention to the problem at hand with the system that is still broken.and some of the documents I sent to them isn't being received even though I sent them serval times. 
My mortgage account isn't all my undoing and I have been communicating over and over again with all the servers but between the errors on the account and COVID-19 then a forbearance has left me with undue hardship that if given the chance to restart up paying on my mortgage account, it would be a fresh start and understanding, there would be no problems of failure.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (FL)

I am writing to complain about Credit Karmas violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e. Credit Karma provided me with an inaccurate credit report that does not match my actual XXXX report. The accounts wrongly included in my Credit Karma report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The collection from XXXX XXXX XXXX XXXX XXXX  with a late payment There has been an agreement with XXXX to correct all these accounts, and they should not appear as they do in Credit Karma. These inaccuracies affect my credit score and financial standing. I urge the CFPB to investigate and ensure Credit Karma adheres to FCRA standards.
Consumer complaint received 2024-06-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK (FL)

A couple of years ago our mortgage loan was sold to a new company. At that time we were struggling to make ends meet so we did a Covid relief program where you dont have to pay mortgage for 6 months. We were unaware that it had to be paid back in full, how would that help our situation in the first place? We were under the impression that it would just turn into a forbearance. So of course we didnt have the money to pay back, so they scared us saying they would foreclose our house if we didnt do a loan adjustment. This loan adjustment put our interest from 4 % to now 8.25 %!! Now that is a huge jump and puts us in an even bigger financial struggle. We were paying XXXX a month and now were paying XXXX a month. They do not want to help us, rather XXXX XXXX  and take whatever they can from us. They absolutely scammed us and there has to be way to fix this somehow.
Consumer complaint received 2024-06-23
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 (OH)

I just got a new PayPal account XX/XX/2024 basically today and now I just got paid some money which is meant to save my life at the moment and the next thing I got was an email from PayPal saying they cant render any service to me anymore and my account is being deactivated now XXXX gon na XXXX XXXX XXXX I so much hate that app now please I need my money back please help thats basically all o have to survive right now
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (TX)

this is a dispute first credit services sent me a email about a debt with the original creditor i guess a anytime fitness in amount over a XXXX dollars but didn't send anything to verify the debt is mine as im pretty sure i dont have a gym membership as im a XXXX percent XXXX veteran and people aren't my thing and also i demand to see proof on why you people believe this debt is mine as in my signature and also video of me in gym and also times and dates on the key card i would have had to use to get in and use gym if you can't do that please stop all collections thanks
Consumer complaint received 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (TX)

DEAR DEFENDANT : UNITED REVENUE LLC STOP VIOLATING THE FDCPA USC 1692D I HAVE NO BUSINESS WITH YOUR COMPANY IM ASKNG YOU TO REMOVE THIS ALLEGED ACCOUNT FROM MY CONSUMER REPORTS. CEASE & DESIST FROM REPORTING IMMEDIATEDLY TO MY CONSUMER REPORTS XXXX XXXX XXXX, I HAVE NO KNOWLEDGE OF THIS ALLEGED DEBT PLEASE STOP HARRASSING ME AND FALSE REPORTING IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL MOVE TO LITIGATION FOR TREBLE DAMAGES.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Exeter Finance, LLC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (WI)

I am writing to deleted the following information in my file. The items I need are listed in the report. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the federal Trade commission and I also enclosed copies of the federal trade commission Idenitity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible its holding my life back Im in the process of purchasing an home for me and my family
Consumer complaint received 2024-07-08
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. (WI)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-06-14
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (DC)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX information was provided to XXXX XXXX XXXX XXXX XXXX via their web portal and email to dispute a debt alleged by XXXX XXXX at XXXX ( apartment company ). This debt was due to identity theft. They provided documents for a rental application with my name and address, but someone else 's email and phone number. They did not provide any forms with my signature this thief used to apply for the apartment. On XX/XX/XXXX, I spoke with a XXXX XXXX XXXX representative XXXX XXXX XXXX ) to dispute the debt and she stated that this thief used my Social Security Number in the application. I spoke with XXXX XXXX on XX/XX/XXXX after receiving a letter that " you have not made suitable arrangements to resolve the above-referenced debt ''. Although I provided uploaded a copy of documents to provide my identity to the debt collector on XX/XX/XXXX ( tax document with my SSN, copy of driver 's license, utility bills, car insurance with address ) and on XX/XX/XXXX ( police report ) PLUS emailed XXXX complaint and FTC ID theft reports to XXXX ( on XX/XX/XXXX ), they continue report the debt. They reported the debt to the credit bureaus. They alleged that a person with my identity applied for an apartment {$50.00} and the apartment company added another {$100.00} due to insufficient funds. Total debt : {$150.00}. As of XX/XX/XXXX, they continue to report the debt. Other than my SSN, I have not been provided with another other proof of identity this thief used for this rental application.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I noticed several charges on my USAA credit card for purchases made at XXXX. I contacted USAA and let them know that I did not make the purchases. Several weeks later, I received two letters stating that my claim each for {$370.00} ( Total {$740.00} ) was denied because the merchant ( XXXX ) provided information that showed the purchases were authorized and that I was responsible for payment. I then contacted XXXX and found out that someone opened an account with them under my name and email address. It appears that whoever did this, picked up the equipment and XXXX did not check IDs to verify it was me. After reviewing my email I do recall seeing the emails from XXXX, but I thought they were fishing emails. However, as soon as I saw the changes on my account I contacted USAA. I have since contacted XXXX to alert them that the account opened under my name is fraudulent and also contacted the three credit bureaus and reported the matter to the FTC. I am a long-standing customer of USAA with an impeccable credit history.
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

I paid XXXX XXXX XXXX via Venmo {$60.00} on XX/XX/year> and {$360.00} on XX/XX/year>. The vendor performed the service incompetently and damaged the products I had that he was hired to install and caused additional damage to my vehicle which cost me additional $ . I tried repeatedly to get the vendor to pay me back but he refused. XXXX XXXX XXXX has an XXXX  account and I found him advertise his business via XXXX XXXX and XXXX. 
I filed with the XXXX  ( Case # XXXX ) and the vendor didn't respond to the complaint. 
So I disputed with Venmo and they told me that the individual was operating a fraudulent account but that they would not refund my money because I should not have trusted him. I tried to dispute with my bank but they stated that I needed to dispute through Venmo. Both Venmo and XXXX XXXX  agree that I was defrauded but no one will refund my money. Venmo claims that they shut down his fraudulent Venmo account but that doesn't help me recoup my losses. Please help.
Consumer complaint received 2023-05-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: REGIONS FINANCIAL CORPORATION (LA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose.

For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account.

I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. 

This is an invalid late payment. 

The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I received a bank wire for {$200000.00} and my account was immediately restricted. I called and spoke with several employees and I was reassured that I would receive my funds soon. On XX/XX/XXXX my account was closed and my funds were debited. I called for a status on my funds and Chase bank employees informed me that my funds were being investigated and nothing has changed since the XXXX of XXXX. I told them we have no legal binding contract since my account was closed on XX/XX/XXXX and I would like my money. They refuse to tell me why it's being investigated, the bank wire came from a real estate title company and a local bank. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) I was rude in a phone call and I feel I am being scolded and funds are being held for that. It has been 16 days
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NV)

Subject : Dispute of Collection Account Due to Identity Theft Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report with your agency. The account in question is XXXX Credit Card, and it is being reported as a result of identity theft. I have recently discovered that this account is fraudulent and was opened without my knowledge or consent. I believe that my personal information was compromised, leading to the unauthorized opening of this account. As a victim of identity theft, I am formally disputing the validity of this debt and request that it be removed from my credit report immediately. To support my claim of identity theft, I have attached the following documents for your review : - A copy of my identity theft report filed with the Federal Trade Commission ( FTC ). I request that your agency conduct a thorough investigation into this matter as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I also request that you provide me with written confirmation once the investigation is complete and the fraudulent account has been removed from my credit report. Please be advised that I am exercising my rights under federal law to dispute this debt resulting from identity theft. I expect full cooperation from your agency to resolve this matter promptly and accurately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Case # : XXXX Mon, XX/XX/2023 at XXXX XXXX  Dear Incomm, Please see the required information requested. I have provided a copy of my credit card statement highlighting the purchase for the cards in question. 

If you require further information, please let me know and I can provide a quickly as possible. 

Thank you XXXX XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (AL)

I am writing to complaint to EXETER FINANCE LLC about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.