davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2023, I did an instant transfer to my Venmo account for {$600.00}. I transferred this money from my XXXXXXXX XXXX account. Even though my XXXX statement was negative {$600.00}, the money didn't appear in my Venmo balance. 24 hours later, it still wasn't there nor was it back in my bank account. When I contacted Venmo as soon as it happened, they were no help, telling me what I already knew. That they didn't have the money nor did they know what happened to it. They said it would most likely go back into my bank. Well, it didn't. I did an immediate transfer because theat money was needed IMMEDIATELY. Not having it has caused a storm of problems for me and with everyday that goes by that I still don't have it, things for me are getting worse. It was needed to get my car from a mechanic who is going to tow my vehicle if they aren't paid by Wednesday. This caused me to be stranded and have to walk HOURS AND HOURS to get back home. I wasn't able to pick up my kids which has caused issues between my ex and I and he is refusing to give my children back to me because he doesn't believe that this is actually what has happened. This happens A LOT with venmo. It's happened to me before, just not for such a large amount of money. Venmo told me that I'll most likely have to file a dispute which could take up to weeks and this is absurd. I didn't transfer that money to an unknown person, I transferred it to them so how and why don't they have it and why does this happen so often with them? They should be out out of out business immediately. It is not ok that this is an ongoing thing with them. I should have been refunded by them IMMEDIATELY when I showed them my bank statement that said the money was sent to them, even though they didn't have it. I shouldn't have to wait weeks on end for a problem get caused. An ongoing problem. This is illegal on so many levels.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I do not recall giving permission for these companies to release my medical information to a third party. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-05
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXXXXXX and XXXX XXXX XXXX
Consumer complaint received 2018-12-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I have contacted Navient on XX/XX/XXXX via email in regards to what is the name of the debt collector that owns my private student loans that were originally with Navient. 

I was a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and made payments while I was a volunteer, the payment amounts were {$50.00} US dollars which was deducted from my readjusted living allowance. 

I have struggled to secure a full-time job from XX/XX/XXXX-XX/XX/XXXX. I would like to know who I should contact about my private student loans that were originally owned by Navient. I have made payments of {$25.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like to work out a feasible repayment plan on my loans. I would also like to know what my options are for repayment on private loans once I begin a graduate program in the XX/XX/XXXX. 

I am attaching my repayment history with Navient and the email I sent to them via the contact email address they provide on their website. No one from Navient has responded to my email since XX/XX/XXXX. 

Navient can contact me at the following mailing address XXXX XXXX XXXX XXXX, IL XXXX.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (KY)

My car loan payment is XXXX XXXXXXXX. I scheduled three payments on their website. Payments for XX/XX/2023, XX/XX/XXXX and XX/XX/XXXX. The bank took all three payments at once on XX/XX/XXXX. I have called the bank three times to ask them to return the XXXX and XXXX payments. They requested a screenshot of my XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I sent them that information. A week later, I called again and they said they did not receive that information ( although it was in my email as sent ). So, I sent it again. I still have not received a refund of the overpayment.
Consumer complaint received 2023-11-10
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. (PA)

The creditors are allowing debt collectors and hag are Unkown to me post old debt as new. After I repost it, it reappears again as a new account. I believe they are both XXXX and TransUnion are well aware of this given the many times Ive file disburse claims. Yet, the keep allowing these companys to generate new accounts with old data and post it as new. Some are well over six years, and I dont know any of these companys.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is reporting I owe XXXX per their portal I owe XXXX. Please see attachment of what's being reported And what's actually owed.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2023-09-28
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: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX Last four of social XXXX Account XXXX WELLS FARGO CHARGES UNNECCESRY FEES FOR OVERDRAFT PAYMENT, I HAVE A PAYMENT THAT WAS SCHEDULED XXXX, IT DIDN'T COME PUT UNTIL XX/XX/year>. WELLS FARGO ENDED CHARGING ME {$35.00} DOLLARS FOR A {$30.00} OVERDRAFT PAYMENT THAT DID NOT GET PAID, MY CREDIT CARD COMPANY ALSO CHARGED ME A RETURNED CHECK FEE. XXXX XXXXXXXX XXXX ONLY CHARGES {$10.00} AND XXXX XXXX XXXX CHARGES {$15.00} FOR OVERDRAFTS, WELLS FARGO CHARGES A WHOPPING {$35.00} DOLLAR FEE AND MY ITEM DIDN'T EVEN GET PAID. WELLS FARGO MUST BE LOOKED INTO FOR EXCESSIVE FEES. 

I HAVE BEEN A LONGTIME MEMBER GOING THROUGH HARDSHIP RIGHT NOW, IN XXXX XXXX AND WELLS FARGO CHARGES ME {$35.00}, THIS IS A LOT OF MONEY FOR SOME AND THEY REFUSE TO WAIVE THE FEE.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

Experian is showing a credit report online from XX/XX/2023. I have made several calls to dispute old information and request for an updated credit report online to date my credit report has not been updated
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (VA)

I sent a wire transfer, and my bank, Chase, said they did send the money, but no more information is given but a confirmation number, which I did send to the recipient bank. The other bank, XXXX XXXX, said they did not receive the money. I requested my money back, and Chase said they can not help any further. I am here speaking to the wire department, they sent me to claim department ; claim department said they don't understand the letter requested ( LOI requested by the recipient bank ) I asked to speak to the supervisor, they put me on hold and send my call again to customer service. Literally, right now I am on hold waiting for another " customer service specialist ''. I don't see how this case is going to be resolved. They do not care at all.
Consumer complaint received 2018-03-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Hello, I submitted papers to Mr. Cooper ( FKA ) Nationstar Mortgage in XXXX or XX/XX/2017, for a modification for my mortgage ; in which I was approved. I noticed during the 3 month trail period my mortgage payment were more, in which I thought would be less. As I struggle to make the 3 month payments of {$2000.00} after the loss of my job, I received my final modification forms which indicated my mortgage would be more than the original payments before the modification. I was thinking the the rate would decrease from 4.625 to a lower percent. It appears that Mr.Copper added additional fees, did not decrease the rate and made the mortgage payments more. I would like to know what are the criteria for obtaining a lower rate. I know individuals who did a modification with the same mortgage company and received a 3.75 or less rate. The modified payment is more than the original payment I started with. As I stated, I would like to know the criteria that was used to determine how a lower interest is provided. In addition, I can never contact my DEDICATED loan Specialist XXXX XXXX to ask any questions Please Advise ... XXXX XXXX
Consumer complaint received 2023-11-10
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: EQUIFAX, INC. (NY)

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer.

reporting agency can not furnish an account without my written instructions 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting.

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-09-05
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. (MO)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}.
Consumer complaint received 2022-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (CA)

I AM GETTING NOTICES THAT EQUIFAX HAS SOME NEGATIVE INFO ON ME FOR PAST DUE PAYMENTS FOR AN ADDITIONAL XXXX  XXXX XXXX ACCOUNT WHICH I NEVER OPENED. THIS INFO IS SHOWING UP WITH EQUIFAX BUT NOT WITH XXXX I WOULD LIKE THIS REMOVED. 
THE ACCOUNT ENDS IN XXXX AND HAS A XXXX CREDIT LIMIT AND PAST DUE AMOUNT OF {$140.00} DOLLARS WHICH I NEVER OPENED
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

There is a non verified XXXX/ credit card on my credit report, I did not authorize. There is also a hard inquiry on my Transunion report. The card is showing on my bureaus. I requested directly for Transunion to remove the card off my credit report, and it has not been removed. I requested the unauthorized inquiry to be removed and its still there. It has effected my credit score and I want it corrected. In addition XXXX has not removed this XXXX/ credit card off my credit report, nor have they replenished the XXXX points I lost from the card being added. I dont have this card in my possession, I have not used this card nor activated this card, I did not request this card. PLEASE REMOVE THIS CARD AND ITS HISTORY COMPLETELY OFF MY CREDIT REPORT! Thank you in advance
Consumer complaint received 2022-10-18
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. (MD)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2023-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK PUERTO RICO (PR)

has charged on ocations even if the funds are low they still process the transaction, i havespoken to the branch manager, who refused to provide proof of the transaction, when this happens charges on overdraft fees exceed XXXX dollars a month. If funds are not available bank should not process the transaction, First Bank in XXXX XXXX has had issues on overdrafting on purpose to collect excessive overdraft fees.
Consumer complaint received 2023-11-10
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. (FL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-12-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (WA)

I am writing to seek resolution regarding the outstanding refund of two payments that have not been returned to me, totaling {$2600.00}. The amounts in question are {$1000.00} and {$1600.00}, respectively. the two remaining transactions under claim numbers XXXX and XXXX. I kindly request your immediate attention to this matter and the prompt return of the funds. 

I would like to bring to your attention that one of your bank representatives emailed me on XX/XX/XXXX and provided me with a case number : XXXX. However, despite waiting for over a month, I have not received any further communication or updates regarding the status of my refund. This has left me concerned and frustrated. 

I understand that unforeseen circumstances and delays can occur, but I kindly urge you to prioritize the resolution of this issue. The funds in question are of significant importance to me, and their prompt return is crucial to my financial well-being. 

I kindly request that you promptly investigate the matter, address any delays or errors, and initiate the process to refund the full amount of {$2600.00} to my account. I would greatly appreciate regular updates on the progress of my refund request, as clear and timely communication is essential to resolve this matter satisfactorily. 

I have been a loyal and responsible customer of Citizens Bank, and I have always valued the bank 's commitment to customer satisfaction. I am confident that you will handle this matter with the utmost professionalism and resolve it in a timely manner. 

Thank you for your attention to this issue. I trust in your commitment to customer service and eagerly await the return of the funds to my account. 

Yours sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (VA)

I reported to XXXX that XXXX XXXX XXXX XXXX of XXXX was reporting to them fraudulently. I opened an account in XXXX of XXXX and closed that account in XX/XX/XXXX and the account was paid in full in XXXX of XXXX. All 3 bureaus reflect this. XXXX reported me in XXXX of XXXX ( CO ) collections, XXXX XXXXXXXX as ( CO ) collections. This account was paid in full in XX/XX/XXXX and I asked for XXXX to close the account and paid it in full at that time. XXXX took my payment and told me the account is now closed. Other agencies reported as closed and paid in full. Paid as agreed. The ( CO ) dates and action that XXXX is reporting is not accurate. I have reached out to XXXX and XXXX for a resolution with no one getting back with me. This is fraud and I need my account updated correctly as I was not a card holder of XXXX during the inaccurate reporting. Nor was I ever late with them. Nor do I owe them any outstanding balance.
Consumer complaint received 2023-11-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I requested my XXXX Credit Report and received Report # XXXX and noticed an entry that was furnished by Credit Acceptance Corporation which I have never engaged in business with. I notified them and asked them to verify/validate this debt on XX/XX/2023. As of XX/XX/2023 I have yet to receive a signed contract showing my financial obligation to said company. Furthermore, in the Comments section it says the first payment was never received, however I have some statements showing that there were a few on time payments. Additionally, I was part of a lawsuit with XXXX XXXX as there was a data breach and I believe my information has been used fraudulent since then ( see attached document ). Therefore, there are a number of inaccuracies as reported by this company. After reviewing 15 U.S.C 1681 Section 602 clause 4 I have good reason to believe that this consumer reporting agency has violated my right to privacy and am therefore requesting that this slanderous information be removed immediately.