davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I was approved for & received a Capital One mastercard only as a ruse to harass me for a previous bill I never incurred. After I closed this card, XXXX XXXX, the collection agency assigned to that bill called, throwing my personal data in my face that Capital One gave them. This is fraud & data mishandling of the highest order.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account has been paid off since XX/XX/ and credit report still shows an existing balance. They also havent reported to the credit bureau in XXXX days regarding my accounts status. Please update showing paid in full and/or closed.
Consumer complaint received 2024-07-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SUN LOAN COMPANY INC. (IL)

I have not had an income for XXXXXXXX XXXX except for a XXXX XXXX XXXX for a few months after getting XXXX and being taken off work by my XXXX  from the XXXX XXXX XXXX XXXX where I worked for XXXX years and was cheated out of my XXXX and short and long term XXXX which I am currently in the process of suing them for, at the same time I am waiting for my XXXX pension to begin as a twice XXXX XXXX and have no credit cards, and have not been able to retain a loan, so out of desperation reached out to Sun Loan to get a small loan to get me by until I get my first pension payment. They have you fill out the application on their website at XXXX, then have you upload your DL, copy of paystubs or XXXX statement, and XXXX bills with your address, which is not necessary until they approve and close the loan and dangerous to do with as much fraud as there is nowadays. I know as I used to be an XXXX XXXX for two higher-level finance companies in the past. But, since this was a request for a loan with markets themselves as a loan that does not require a pull of the credit reports, which is what I needed as my XXXX XXXX fell to XXXX due to my having to take off work and not being paid then being XXXX XXXX on top of it and not having any income for almost XXXXXXXX XXXX ( my credit was perfect until this happened ) and Sun Loan is a subprime lender NOT a bank, who charges inflated interest rates for this very reason they make loans to those of less than perfect credit scores, I went ahead and uploaded all expecting to get the loan. But instead, they took all this information under false marketing as they then denied my loan. I then went onto their website to delete my PPI and it was not on the site for me to access anymore. I think these crooked finance companies and businesses taking all this information before denying loans are selling our data. I want several things addressed, the fact that they are falsely advertising themselves as a loan option for those with less than perfect credit and that they do not use your credit report for the loans, and XXXX for taking PPI from customers when it is not necessary to make a loan decision and possibly selling or compromising that PPI via the internet and dark web. As well why is there no bank with loan interest for those XXXX years and older like me and the elderly who are receiving XXXX benefits to get loans from and not be expected to have perfect credit or pay exorbitant interest rates, as we have a stable income but seem to be discriminated against due to our age, poverty and not having a regular job!! Subprime companies should NOT be allowed and should be fined and shut down for all these reasons and should not be allowed to get away with running their business with the same expectations as a low-interest rate bank, as they are NOT a bank, they are a subprime finance company aka loan shark.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

On Thursday XX/XX/XXXX, I received an email from Venmo stating a dispute case was opened on a transaction involving a payment of {$350.00} sent to me by my fianc on XX/XX/XXXX. The purpose of this payment was to provide me with a portion of his rent so I could then consolidate both of our halves of rent to send to our landlord rather than sending him multiple payments. I handle our bills and rent so this is something we do with nearly anything that is a shared financial responsibility. My fianc has attempted to get an explanation from Venmo, as he did not dispute the sent payment, nor did his financial institution. Venmo claimed they could not give him this information, as he should have it, and proceeded to lock his account. In regards to the alleged dispute, Venmo withdrew all funds in my account, which amounted to {$120.00} and claimed I now had a negative balance of {$220.00} which I needed to pay to unlock my account. Yesterday, XX/XX/XXXX, I called Venmo support in hopes to get some sort of explanation. The support agent XXXX was unable to tell me anything and advised that I explain my perspective of the situation to the Venmo dispute team via email. I then responded to Venmos initial email, explaining neither my fianc nor his financial institution disputed the charge and that the purpose was to collect both of our monies to pay our landlord rent, that I was not a landlord, and that this transaction shouldnt be taxable or disputed as I did not benefit from his sent payment nor was the payment fraudulent. Over the course of the day following my email, Venmo then opened 16 additional disputes on my account, which my fianc could not have done, as he has been completely locked out of his account. Without explanation to me, they closed the investigation of the initial {$350.00} payment, stating I owe the full amount, and now claim I have a negative balance of {$1700.00} and must repay them the funds. All of the disputes they have opened which total that amount are payments spanning the last 6 months which we sent by my fianc in order for us to pay rent and bills. Venmo support will not provide me with any explanation after another attempt today, nor will they assist my fianc as they say he no longer has access to his account.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

THIS ALL HAPPENED AT A US BANK ON XX/XX/2023 A PERSON IN OREGON CLAIMING TO BE ME DEPOSITED A CHECK FOR {$4500.00} DOLLARS INTO MY ACCOUNT .THEN A FEW HOURS LATER WITH DREW THE {$4500.00} DOLLARS. THE BANK AFTER FINDING OUT THE CHECK WAS NO GOOD TOOK {$4500.00} OUT OF MY ACCOUNT .WE WENT TO THE BANK AND WORKED WITH THE MANAGER AND DID EVERYTHING THAT THEY ASKED WAS ASSURED WE WOULD RECEIVE OUR MONEY. WE KEPT IN TOUCH WITH THE FRAUD DEPT AT US BANK EVERY OTHER WEEK AND AGAIN WE WERE ASSURED WE WOULD RECEIVE OUR MONEY. WE WENT TO THE BANK AGAIN AND WORKED WITH THE BRANCH MANAGER AND WERE TOLD THAT THE CLAIM THAT WAS PUT IN AT THE BANK WAS DONE WRONG AND THAT THEY WOULD EMAIL US A NEW CLAIM FORM TO FILL OUT, WE WAITED 2 WEEKS AND NEVER RECEIVED ANY EMAIL SO WE CALLED AND WE WERE ASSURED SOME ONE WOULD CALL US. WE DID RECEIVE AN EMAIL SAYING IT WAS A WASH AS FAR AS THEY WERE CONCERNED BUT I HAVE PAPER WORK TO PROVE IT WAS NOT .THE SAD PART IS THE WE HAVE BEEN BANKING WITH THEM FOR OVER 20 YEARS AND IT IS SAD TO SEE HOW THEY TREAT SENIORS I AM SEVENTY SEVEN YEARS OLD AND ON A FIXED BUDGET
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (IN)

Filed the retun on XX/XX/year>. They filed itas a missing package. On XX/XX/year> - I submitted the package was rejected that it was between the merchant and the usps ( XXXX is who i spoke ). I requested a temporarily credit and it was filed wrong. Every form they requested including the merchant saying it was returned ( that was on XX/XX/XXXX ) .I spoke with a romone who said this has gone on to long and would follow it personally. Here we are today my money not returned and speaking to people who can't spell XXXX. Another supervisor said they don't work on claims. XXXX is who I'm speaking to now has told me is was reported as fraud now at XXXX on XX/XX/year>. They say the investigation is still ongoing. I attached every piece of screenshots I've submitted to them to get the idea..this isn't right.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I paid all of my bills... I don't owe any Bank. But Transunion and XXXX still keep the old collections on my credit report. I think that all three credit reports should have the same information.
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (NY)

Yesterday XX/XX/2023 got this message from Chime Bank " The phone number on your Chime account has been updated to ( XXXX ) XXXX. Please contact XXXX XXXX at ( XXXX ) XXXX if you did NOT request this change. '' Couldn't log in to my Chime acc. Called Chime, agent told me to change password, I did. 
But all my money gone, everything... {$3000.00}. XXXX made XXXX transactions to XXXX  on different names in just an hour Called Chime several times, wrote emails. And all Chime is telling me to wait to see if those transactions " settle '' and then " You will receive a push notification from us to confirm that youd still wish to file the dispute when at least XXXX transaction settles '' and it can go up to 90 days. 
I didn't authorize these transactions. My account was hacked, Chime bad security didn't protect my money. They even issued temporary card to hacker. My {$3000.00} stolen. all the money I have gone. 

I need my money, and CHIME is doing nothing about it except telling me to wait and then file dispute while I have {$0.00} in my account...
Consumer complaint received 2024-06-18
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to express my deep frustration and disappointment with an incident that occurred today at Bank of America 's ATMs on XXXX XXXX in XXXX XXXX CA. When I attempted to withdraw cash, the ATM retained my XXXX card. Upon entering the bank for assistance, I was informed that there was no way to retrieve the card and that I would need to order a replacement. 

What makes this situation even more distressing is that the staff mentioned this had been happening all morning, affecting several other customers. Despite knowing about the issue, no sign or warning was posted on the ATM to alert us of the problem. 

As a result, I am now without my XXXX card, leaving me unable to access essential funds for food and transportation to work. The replacement card will take a week to arrive, which puts me in an incredibly difficult position. 

Given the significant inconvenience and hardship this has caused, I am requesting financial compensation to help cover my immediate needs during this period. I hope you can understand the impact this has had on my daily life and consider taking steps to prevent this from happening to others in the future. 

Your immediate attention to this matter and any assistance you can provide would be greatly appreciated.
Consumer complaint received 2024-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates is in violation of FCRA by adding and reporting to credit reporting agencies an address that I have never lived at or been associated with as deliverable by USPS  or otherwise. As a result my personal information and privacy has been compromised and is reporting inaccurate information. 

I spoke to Fraud XXXX XXXX at XXXX on XX/XX/XXXX who verified that the address I was disputing was reported by Portfolio Recovery Associates on XX/XX/XXXX. I have also attached copies of my credit report that shows the address ID # reported by Portfolio Recovery Associates collection accounts on my credit report. 

Method Of XXXX Reason : Provide proof of any and all evidence that a reasonable investigation was conducted to ensure complete accuracy of information you are reporting on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, requires assignment of debt be manifested by written agreement and proof of assignment must be provided.
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (ME)

I submitted a case to the CFPB on XXXX and my case was subsequently closed ; however, my case was never resolved. Nelnet responded to the CFPB complaint but never fulfilled their resolution. Please reopen my case until Nelnet fixed my account. Please see details below. 

I was refunded approximately $ XXXX for student loan payments made during the pandemic. However, only a portion of these student loan accounts were properly reinstated on Nelnet. There are approximately {$7000.00} of loans that are classified as " paid in full '' and I am not allowed to make any payments on these loans. The loans are accruing interest, but I can't make any payments. I need these loans to be reinstated properly and included in my monthly payment amount. Call times for Nelnet customer service are significant, I am currently on hold on XXXX for 2 hours, 27 minutes, and I still haven't gotten a representative. I filed numerous complaints through the Department of Education and haven't had any success. Thank you for your help.
Consumer complaint received 2024-01-31
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 (GA)

LexisNexis continues to report inaccurate information on my consumer report. My name is XXXX XXXX I do not have any other names or known by any other names. If you have any different name spellings delete them immediately. My address is XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX there should be no other addresses listed on my report if there are delete them immediately as they are non mailable and do it belong to me. LexisNexis is reporting an alleged bankruptcy that does not belong to me. I have asked for the validation they used to confirm this bankruptcy is mine.
Consumer complaint received 2024-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (TX)

Received letter from XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX and received XX/XX/XXXX ; stated I had a PayPal, Inc balance as of XX/XX/XXXX. 
This communication is from a debt collector. Total amount of debt owed : {$91.00}. This is the very first time of being made aware of this debt ; this is not my debt. Do not know what this charge is for???? 
Returning letter back XX/XX/XXXX, to dispute charge.
Consumer complaint received 2024-01-30
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 (PA)

On the XXXXXXXX XXXX XXXXXXXX I received funds from my mother. When I tried to use these funds I was denied. I tried to transfer them to my business acount and I was denied that option as well. I receive a notification stating my acount was frozen so I contacted venmo and they stated that it was frozen and needed my ID to prove I was me so I complied and sent in a front and back picture of my ID and waited. XXXX hrs passed and still no response, so XXXX messages the general chat platform again and they stayed that my acount was still in review and it would take XXXX business days to get a response. I asked why was it in review and why was my acount still frozen and thy stated they were unsure but from what they could see, the notes on my account stated my account portrayed activities that went agaist community standards. I asked what activities there were and should I been concerned for anything information being breeched on my accounts connected to this account with them. They stated my accounts connected to this one wouldn't be fine but they couldn't get anymore information for me due to security reasons and they were no allowed to access that information. So I waited a few more days, contacted again and they stated the same thing but said they would escalate the issue and I should here something soon. On XX/XX/XXXX I received a message from XXXX with venmo who stated " It appears that you have multiple Venmo accounts. Per the terms of our User Agreement, we only allow each user to have one personal account. I will be more than happy to assist you with your current account and the consolidation of your additional accounts. However, in order to begin that process, you will need to settle the outstanding debt on XXXX of your accounts ''. I responded that I have no clue how to access these acount and that my personal information had been leaked to the XXXX  XXXX  and I was in the process of filing a complaint with the state police as I was instructed to do through XXXX. I told XXXX that I had no knowledge of these accounts and I had once had another account that I had lost access to and was informed by them that it not longer existed so I created this one and my 2 business acounts, i asked why my acount was flag and how did they come to the conclusion to freeze my account and what facts did they have that they felt it fair to do so. XXXX then responds with " While I understand that you are saying the other accounts do not belong to you, we have found connections between the accounts in question. While I am unable to share our internal evidence with you, we have systems in place that monitor activity on Venmo, and internal data has indicated that the accounts do belong to you. Please note that we don't reveal information about our internal systems in order to keep these systems robust ''.
Consumer complaint received 2024-01-15
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

I already submitted a complaint in regard to making a payment, I still can not log in to the portal to this day. I keep getting the message that that page does not exist?!?! Im sure theres been a late fee added and as previously mentioned Id like it removed because its complete XXXX that Ive been charged about over {$100.00} in fees because Ive been having the same exact issue since last year with this company. And they do not do anything to help their consumers, theyre such a disgusting and fraud/scam of a company.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I submitted a request with Consumer Finance to unfreeze my credit report online with TransUnion on XXXX. I received feedback from TransUnion on XXXX about other issues however I provided feedback that I still have " Unknown Status '' on my credit freeze via the TransUnion website. This is my 4th request in writing to have TransUnion explain why my credit report is still under a freeze citing " Unknown '' on their website. I am unable to access my credit report as well as creditors for mortgage lenders. I have sent certified documents 4 times in the last year to verify my identity. The " Manage Freeze Status '' still says unknown each and every time I log in to my account. Why is TransUnion hiding my credit account from me? Why each time I call the number on the account to inquire or remove the freeze temporary I can not get customer service assistance and the automated will keep hanging up the phone. I have requested callbacks and still have not received anything regarding the feedback from XX/XX/XXXX involving a copy of my reports even being updated. What is the next step in the escalation process for my complaint? I get the same message I have been getting since XX/XX/XXXX trying to correct this issue. Please see below. 
Your TransUnion Credit Report Freeze status is currently : UNKNOWN The TransUnion Credit Freeze Service is temporarily unavailable. 
Please try again later. If you need immediate assistance, please contact our Consumer Relations team at XXXX, open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX