davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (WA)

Money transfer from Venmo to account with XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$580.00}. 

Date : on XX/XX/year> Amount : {$580.00} XXXX Transaction ID : XXXX ARN : XXXX XXXX Reference Number : XXXX Money was never received by bank. Venmo states that it was processed correctly. Money is not able to be located
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: Bread Financial Holdings, Inc. (AL)

Dear XXXX XXXX, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus for payments made on XX/XX/XXXX & XXXXXXXX XXXX. It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I would like to request that this current payment information be updated and furnished to all three credit bureaus immediately. Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

Thia company has no real info plus they say this debt was from XX/XX/2010 and when life lock contacted them they couldnt even provode info on what address these services were at i was the victim of id theft many years ago and thia is fraud
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. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A. (NY)

I had asked for a loan from lending XXXX and I already was receiving SSI payment since XXXX they didn't give me my SSI benefits for that month and they sent the checks back to lending XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AL)

Dear Nordstrom, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

I spent {$100.00} on utilities with this credit card to fulfill the {$15.00} offer, but the {$15.00} was never issued : XXXX, receive a {$15.00} statement credit when you spend {$100.00} or more in select categories between XX/XX/XXXX and XX/XX/XXXX with your Amazon Visa. * Plus, you continue to earn your rewards by setting your card as the default payment method. 
You have already enrolled into this offer!
Consumer complaint received 2024-06-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/XXXX - Chase Bank restricted my account leaving me without access to my funds XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( amount {$640.00} ) showed on said account XX/XX/XXXX - Chase officially closed the account XXXX - Chase mailed a letter and responded to initial complaint that the account was closed and a check was issued for {$640.00} to be mailed to my address within 7-10 business days. 

Today is XX/XX/XXXX and although I have received every single letter Chase has sent me since, I HAVE NOT RECEIVED MY CHECK! It has been an entire month now without access to my funds and no one can provide me an answer except that it was mailed. We are way beyond even 10 buisness days at this point. It has been 18 business days since my account has been closed, and 13 business days since the supposed check was mailed.

This is inexcusable. Chase used their discretion and closed my account, that is fine, however, it doesnt take this long for a check to be mailed/ received.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Velocity Portfolio Group (PA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

It has now been over 11 weeks since I had a FDIC insured CD mature ( XX/XX/24 maturity ) with Goldman Sachs Marcus. 

This is the fourth CFPB complaint I have filed ( XXXX, XXXX, and XXXX being the first three ), yet nothing has been resolved- I still do not have my funds ( {$26000.00} as the maturing dollar amount ).

Goldman admitted they made a mistake when they told me they could not ACH me the funds initially and offered a {$50.00} " courtesy credit '' in response. This is insultingly small dollar amount relative to the interest Goldman is earning risk-free on their balance sheet. Despite spending hours on the phone with endless
holds and transfers, and sending a second notarized affidavit- they claim they never received the first one, but did acknowledge they received the second - nothing has happened. 

The company assigned a " grievance specialist '' named XXXX ( the firm will not give out full names and titles ), who called me regularly and said she would make sure the issue was resolved. She called a few weeks ago and said she would be going on vacation, but someone would reach out to me to follow up. In fact, no one reached out to me, and I have heard absolutely from Goldman. When I called the number she gave me yesterday, the phone number is no longer working.

Goldman is a primary US Treasury dealer and is issuing FDIC backed CDs. Is it not within the CFPB 's purview to insure they can choose not to pay a customer their funds? 

This has been going on for almost 90 days and ABSOLUTLEY NOTHING HAS BEEN RESOLVED. I have incurred significant costs associated with first quarter and second quarter estimated tax payments to the IRS as a result of not having these funds.

I suppose the next step would be to get an attorney to file charges against Goldman to resolve this but would prefer to avoid the cost and hassles.
Consumer complaint received 2024-06-13
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: FC HoldCo LLC (OK)

I have began to look for refinancing options and i began my journey with XXXX, where i could fill out a pre approval no hard pull required. When i did that, following the day after i got two hard pulls by two different companies and did it without my consent. I even called one of them which i believe was XXXX XXXX XXXX and they have no record of my file allegedly. 

The two hard pull inquiries that were done without my consent are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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: Synovus Bank (AL)

I am writing to complaint to 1ST DIGITAL/SYNOVUSNT 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 XXXX, AL XXXX, 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.
Consumer complaint received 2024-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

My PayPal account was flagged & restricted for the second time on XX/XX/year> after purchasing a rug on XXXX. PayPal claims that the User Agreement or Acceptable User Policy was violated. But they refuse to tell me how or why that happened or what i did wrong. I've even contacted the XXXX XXXX XXXX for help with this matter ... no resolution. PayPal requested that I submit additional information about my last few transactions in order to resolve my account, and that my account would be reviewed in 2 days. I submitted the information requested right away ( on XX/XX/year> ), but its now been 2 weeks and nothing has changed. I received an email from PayPal today XX/XX/year>, asking me to sign a " compliance affidavit '' in order to restore my account. I have no issues with signing the affidavit but I do not agree with the terminology & verbiage of the affidavit. It states that I've violated PayPal 's and/or policy " again '', and insinuates that ive committed illegal transactions or Fraudulent activities... which is completely false! I've had my PayPal account for about 10yrs and I have never done anything illegal, fraudulent nor sold any goods & services with my PAYPAL account. I do not understand how PayPal can restrict my account, withhold funds or limit access to my cards on file without providing me with information of what happened nor verify or prove what is it that I've done wrong.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable 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 inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly 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 ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
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: CREDIT ACCEPTANCE CORPORATION (AL)

I am writing to complaint to CREDIT ACCEPTANCE 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 XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are 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.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MO)

AFFIRM ACCT : XXXX Amount : {$200.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-06-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

I received a prepaid American Express card as a bonus for work. The card declined more than it was accepted. I contacted American Express and they cancelled the card to issue a refund. I was told that I would have a check in XXXX weeks. XXXX weeks later, I did not have a check. I called back and they needed additional information, which I provided immediately. I was told that my case had been escalated, I just called again.still no answers. They owe me over {$700.00} and not one person can tell me anything other than the case has been escalated and to be patient and wait a few days. American Express has not provided any information, told me that I would receive a refund, but do not know when. It is probably getting close to 2 months of dealing with this.
Consumer complaint received 2024-06-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

I received a copy of my credit report and to my surprise my account is being reported incorrectly. There are several opened, and closed accounts due to identity theft. According to the FCRA I have the right to an accurate credit report please remove the accounts listed below immediately. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, collection from Jefferson Capital systems XXXX, XXXX XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (CA)

I am a victim of identity theft. I have no connection or knowledge of the said accounts listed. Please help me with this serious matter.

Back in 2015 my home was broken into when I came back home all my daughter and my things where scrabbled. All our sensitive information and over XXXX worth of jewelry and XXXX out my safe was stolen. 


Please help me I have no connections with this. 

A police report and identity theft has been filed.