davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IL)

I have become a victim to identity theft. Under 18 U.S. Code 1028A - Aggravated identity theft and under 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, the credit and/or Credit Reporting Agencies do not have permissible purpose with respect to 15 U.S.C 1681B are in violation of reporting my private and personal information with respect to the FCRA. Under 15 U.S.C 1681n civil lability for willful noncompliance {$1000.00} payment, that I am entitled to. I will be placing complaints with the CFPB, the Attorney General, and the XXXX  major Consumer Reporting Agencies
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KEYCORP (NY)

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mineXX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One : XX/XX/XXXX According to my credit report, these creditors have been reporting since XXXX, and XXXX. My reports should be clear, and accurate according to the fair credit act 15 U.S. Code 1681a, the report is only good for 7 years after the first delinquent payment is reported. The creditor does not have the right to report a transaction without the permission of the consumer, and the consumer should not be subject to their reputation harmed by incorrect credit reporting practices, I request that these companies remove their negative reporting from my credit report.
Consumer complaint received 2023-07-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (LA)

NETCREDIT has refused to acknowledge my reported financial hardship since the onset of XXXX and the death of my child in XX/XX/2021, for whom I got the loan for. I reported this information to this company and they have refused to work with me or close the account. They have overcharged me extremely and fraudulently. XXXX has repeatedly reported a late payment to the credit bureaus, which has greatly affected my credit score. The fraudulent amount they say I owe is far beyond the credit limit. Please help me.
Consumer complaint received 2023-12-13
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: LEXISNEXIS (AR)

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom she or he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my given rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 15 U.S.C 168s-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 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MI)

In late XXXX early XXXX approximately between XXXX XXXX XXXX of XXXX XXXX checking accounts and XXXX savings accounts were opened at XXXX separate banks in my name via online then arbitrarily closed by both financial institutions within 60 days of them opening. Most transactions to place through online banking, or simply directly at an ATM. When attempting to call customer service, I simply got it back-and-forth about how I was solely responsible for these accounts, and there was nothing they were willing to do since my name, and Social Security number, and current address were used regardless, if I had to open them or not. This is not only affecting my credit, but I can no longer open a checking account with a credible bank both chase bank and XXXX  XXXX XXXX are the federal banks in question neither one has even attempted to help me and is simply closed the accounts. These accounts were negative at the time as the only activity that was done was checks that were being cash fraudulently against these accounts. These checks were made out to names I have never heard of or in my own name from accounts and people, Ive never even heard of have done business with. I have not been provided with any adequate documentation since these accounts have been closed I am completely in the dark other than me, the exact nature of them being closed and why they were closed no documentation whatsoever other than me suffering from this.
Consumer complaint received 2023-12-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

Service provider : Venmo. 

Details : I set up two transfers on XX/XX/XXXX, for {$250.00} and {$54.00}, money to be withdrawn by Venmo from my XXXX  XXXX XXXX checking account. On XX/XX/XXXX, Venmo withdrew the intended {$250.00} and {$54.00}. BUT, on XX/XX/XXXX, Venmo withdrew a duplicate {$250.00} and {$54.00}, which was unauthorized. Venmo did not notify me of this problem. I checked my bank account balance this morning ( XXXX XXXX ) and saw that the money had been taken twice. When I contacted Venmo, they said they are aware of the error and are working on fixing it. They couldn't provide a timeframe. They also did not have an official channel for me to file a complaint, only saying that they had created a help desk ticket for me. 

It is unacceptable that these duplicate transactions occurred. That is an additional {$300.00} of my money that is currently missing and I need it and I don't know how long I will be without it. It is additionally unacceptable that I wasn't notified of the problem, and I am only lucky that I saw the problem myself so I could do some damage control and make sure that my checking account won't go into overdrawn status.
Consumer complaint received 2023-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have request a investigation of Midland Credit Management account on my credit report. The charge -off of an obligation with Midland Credit Management is incorrect the following is the identifying information of the error, { Account number : XXXX, Date of incorrect reporting XX/XX/2023 }. The creditor misreported my account. 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 

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 consumer, or modify that item of information as appropriate, based on results of the reinvestigation, and
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There was a check cashed by teller to XXXX XXXX, he walked in and cashed a XXXX check and it overdrawn my account and Bank of America refused to help and talk with teller that cashed the check. Then after I couldn't repay they closed my account. This check was to a contractor that made give a estimate of work to be done, work was not done correctly. I had this account overdrawn and contractor didn't complete the work.
Consumer complaint received 2020-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/2020, I sold a bike using XXXX XXXX. 
The buyer come to my house, picked up the bike, and paid me {$130.00} via PayPal. 
After the transaction was complete, and the seller left, I realized PayPal had placed a " mandatory '' 21 hold on the {$130.00}, to " allow for shipment ''. 
But I do not now, nor have I ever, shipped items to anyone. 
I reached out to customer service, and after going in circles with their automated online assistant. A live customer service agent told me that I would need to contact the seller and have them log into their account and let PayPal know that the item had been received for them to release the funds to me. 
I reached out to the buyer, but they are unable to log into their PayPal account. 
So PayPal has my funds frozen, and unavailable to me. I do not understand how this is legal. They've imposed an unreasonable rule and are illegal withholding my money. 
Please help. I do not own a business, or have any resources to fight this. I need the CFPB to help me.
Consumer complaint received 2023-12-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXXXXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.
Consumer complaint received 2023-12-13
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: Affirm Holdings, Inc (SC)

The company is affirm I paid off of my accounts in XXXX theyve reported late for XXXX and XXXX. Ive emailed the appropriate credit reporting agencies with proof and I have yet to get a response. When Ive called affirm in the past month representatives have hung up on me or said theyve put in a trouble ticket which XXXX I call the following weeks they have yet to provide me with any information and everyone I call I can never speak with someone in the back office thats supposedly handling my case. Meanwhile my credit score is dropping XXXX points every month since XXXX due to this error. I have provided evidence Ive emailed affirms customer care and Ive mailed documents supporting the accounts as paid to XXXX in which they have yet to fix these mistakes.
Consumer complaint received 2020-07-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am a suntrust bank customer and there are fraudulent activities on my account since XXXX I deposited {$20000.00} towards my suntrust mortgage payment to be applied as principal balance. Suntrsut applied only {$10000.00} Suntrsut did not apply the month laon amount of {$1400.00} from XXXX - XX/XX/XXXX The loan was reset back to {$130000.00} in XX/XX/XXXX Loan amount at beginning of XX/XX/XXXX was {$130000.00} Loan amount should have been {$120000.00} - {$10000.00} The loan amount needs to be reset to {$90000.00} for fradulent activities committed by Suntrsut Bank. 

There have been fraudulent activities in my checking account for the amount of {$25000.00}. A check for {$25000.00} must be deposited into my suntrsut checking account I would my suntrsut checking account and suntrsut mortgage laon transferred to a responsible bank and managed by a resposible authority, Thank you Sincerely, XXXX XXXX
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance America, Cash Advance Centers, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.
Consumer complaint received 2023-12-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX we initiated a transfer through Venmo for {$1500.00}. That transaction posted to our account on XX/XX/XXXX I noticed on XX/XX/XXXX that our account available balance seem low when I used the ATM. We looked at our online banking on XX/XX/XXXX and there was a hold for an additional {$1500.00} from Venmo. That {$1500.00} posted to our account on XX/XX/XXXX, so we have been charged an additional {$1500.00}. We called Venmo on XX/XX/XXXX and the customer service person said that there was an issue and " the engineers were working on it ''. He said he was unable and unwilling to give us any additional information. It was very unhelpful. My wife called Venmo numerous times today ( XX/XX/XXXX ). After being on hold for 20-30 minutes she was told pretty much the same thing. They were working on the issue. Since that was completely unacceptable she spoke to a supervisor who said that this was an issue that affected numerous customers who made transfers on XX/XX/XXXX. She was helpful but could only say that they were hoping the money could be returned in a few days. My wife expressed her displeasure to the supervisor on the complete lack of communication from the company after Venmo made UNAUTHORIZED transactions from many accounts and did not let anyone know.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current (AL)

I tried to submit a check with mobile checking and they kept sending emails to resubmit I contacted them about to explain to them that it would come off fraud they kept saying that it was the images they couldn't read now I get a email they closed my account for fraud when it's their fault I had money in the account. I called to speak to the fraud decision I find out they have no number for now they stole money from me.
Consumer complaint received 2024-01-10
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)

I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A. (OH)

Wage garishment without notice. I was not given a chance to verify this collection or dispute it in anyway as I was not notified correctly in this matter. I have live at my current address for almost 4 years and I am listed under my current address I have not tried to hide all bills are in my name. They are taking 25 % of my pay, for a debt that is from 2010. After the inflation of 3.56 % each year since 2010 I pay {$8.00} per {$20.00} dollars more then I did back in 2010. 25 % of my income is unacceptable during these days and times in the world. Since that debt I have XXXX child XXXX XXXXXXXX XXXX XXXX XXXX in college. They started the garishment with my XXXX check and without notice of this garnishment I was not able to plan for XXXX expenses in advance knowing they were going to take it. My children are affected by this garishment more then myself they are the ones that lose our. I live in a small apartment and drive an old XXXX XXXX van I have nothing and 25 % of my income is from hard work that goes straight to my children.
Consumer complaint received 2023-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XX/XX/23, XXXX XXXX fraudulently removed in excess of {$23000.00} from my Citibank checking account. I have made no payments to this merchant in over a year. These transactions were never authorized by me, nor was I notified of them or presented with a bill. Thankfully, my account had insufficient funds and the transactions were reversed. Citibank has refused to send screen shots of these transactions as my account has been frozen and access to it revoked. This is a serious matter as this fraudulent activity should never have occurred and Citi now refuses to cooperate to with my requests for documentation. 


Further, Citibank sent a wire in the amount of {$3000.00} that was never authorized by myself. I have been told I have to wait until this is investigated and in the meantime Citibank is not granting me access to view my account. 

To be clear, the account should be frozen while this fraud is investigated. However, I need the documentation to address why these transactions were processed in the first place.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

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.