davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

I received an email from Venmo on XX/XX/2023 that my account was suspended for suspicious activity. I thought it was a scam honestly, until I opened my Venmo app, and it said my account has been permanently suspended. I looked at my transactions to see if I've been hacked, but no, last transaction was from XXXX, when I sent my cousin money I owed him. Previous transactions were the same, between friends and family, a few dollars here, a few there, the biggest transaction was like {$210.00}. I've attempted 3 times to reach out to Venmo to get an explanation, and been politely shut down. It's frustrating because I've been a customer for years, and I enjoy their service and their app, and now they won't tell me what I did wrong. There's nothing in my transactions that could be considered improper. But Venmo is adamant in not reinstating my account or giving me a valid explanation.
Consumer complaint received 2022-11-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America transferred the account to XXXX Mortgage. The mortgage was paid in full to XXXX once the house was sold. Bank of America is reporting negative information on all three credit reports stating XXXX XXXX XXXX, and this is inaccurate information as Bank of America transferred the Account to XXXX Mortgage. I am needing Bank of America to correct all negative information from my reports immediately. I have contacted Bank of America several times to correct the information that is inaccurate and has failed multiple times to get this corrected. XXXX Mortgage received the full payment at the time of closing. I will seek legal action if Bank of America does not correct this immediately as I am disputing the validity of their reporting.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as XXXX and TransUnion are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed.
Consumer complaint received 2022-11-23
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. (CT)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


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 2019-05-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Red Cedar Associates LLC (OH)

Yes. Red Cedars Associates in New York should be shut down. They affiliate with XXXX XXXX XXXX another corrupt company. They called me said they would serve me papers on this date, and would not disclose who they were. They pretend to be a law agency and they are not. They scare people and what they do is illegal and should be shut down.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credie Reporting Act XXXX these account below have violated my rights. 

Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : DEPT OF ED/XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account # : XXXX Account Name : U S DEPT OF ED Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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
Consumer complaint received 2023-01-05
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: CITIBANK, N.A. (MD)

It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX  This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. Citibank Fraud can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to Citibank Fraud Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXXXXXX? usp=share_link This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, my credit card was charged 4 times for amounts ranging from {$500.00} to {$750.00}. I have called customer service multiple times over the past month trying to get these charges refunded to my account. So far I have only gotten 2 disputes cleared. Every time I call Citi, they tell me it will take a week. A week goes by, I call again, and I'm told it'll be another week. I feel like I am being scammed by Citi.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: DISCOVER BANK (TX)

XX/XX/2023 I was charged 4 times in the amount of {$99.00} to XXXX on the same day. I emailed the corporate representative at Discover to resolve this and received no response. 
I would like an explanation of why I was charged 4 times in 1 day for the same amount.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. XXXX XXXX can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to XXXX XXXX Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (MD)

It has been problematic getting this resolved. I have no point of contact by email, chat or written communications digitally. I am also not able to connect with XXXX XXXX This account does not exist. It is the result of someone using my identity and past address, over 2 years after the last time I was there, and every creditor and provider was aware of where I was. XXXX Fraud can not find the account, presently, closed, or in archive. There is no record of this account that XXXX XXXX is describing in writing, nor does the information match the " database update '' account number they provided. 

My phone number was also different. 

Birthday is fraudulent, my birth date is XX/XX/XXXX. 

I was out of this address by XXXX, I was not using this card during the dates listed that I can find history of. The account information provided to me is fraudulent. 

According to XXXX Fraud Department, there is no account open or closed in my name being reported to the Credit Bureau. 

I also recorded the call at XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
https : XXXXXXXX XXXX  This is Bank Reporting Fraud, Banking Fraud , Credit Reporting Fraud, and Credit Card Fraud. 

It is shadow identity fraud.
Consumer complaint received 2023-02-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

1. A Foreclosure on my FHA mortgage for XX/XX/XXXX with No notice to you or posted on the Property. 2. Claims of an incomplete Loss Mitigation application despite providing all documents requested. 3. Having a Homeowner Assistance Application in process for my FHA mortgage this is all happening with loan care
Consumer complaint received 2022-11-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

An Amazon Store Card was opened fraudulently under my nickname XXXX XXXX. I called Symchrony and they 'shut down the account, cleared my responsiblity, and notified the major credit bureaus ' yet continue to harrass me and actually sent me a new charge card. 
Please help as the phone calls are daily
Consumer complaint received 2022-11-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America permitted an account to be fraudulently opened with my maiden name, email address, date of birth, social security number, and a former residential address on XX/XX/2022. When questioned about how this was permitted, Bank of American claimed that they use XXXX as their authenticator and that I could place a security freeze with XXXX to prevent future fraudulent accounts from being opened. I had previously placed a XXXX security freeze on my information on XX/XX/2022. When I shared that with the Bank of America representative, she said that their system should not have permitted the account to be opened. Nonetheless, it did. Bank of America representative was able to close the fraudulent account, but did not provide any clear further actions that Bank of America would be taking to prevent a fraudulent account from being opened with my information in the future.
Consumer complaint received 2017-05-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

On Tuesday,  XXXX   XXXX  at  XXXX  I received a phone call from  Portfolio Recovery Associates regarding a credit card  balance of {$7000.00}. This was the first time I received a phone call from this company regarding this account and I respectfully asked that if there was any validity to this account that they provide it in writing and NOT to call my number (  XXXX  )  XXXX . She became belligerent and began to argue with me that they could and would not accept any verbal request and that my request would have to be in writing. I told her the written requirement is no longer necessary based on new changes in the law. She said she has been working at  Portfolio Recovery for o ver 12 years and she knows that is not true. Her tone was and attitude was very condescending and negative. I told her that I will be filing a formal complaint with the CFPB
Consumer complaint received 2023-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have disputed inquiries that were not made by me to TransUnion and those were, XXXX XXXX and XXXX XXXX XXXX XXXX. I have disputed inquiries that were not made by me to XXXX and that one was, XXXX XXXX XXXX XXXX and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXX XXXX  XXXX XXXX accounts with TransUnion and one account with XXXX and XXXX XXXX XXXX XXXX XXXX account with TransUnion XXXX XXXX account with XXXX
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have disputed with XXXX, XXXX and Transunion in reference to an account on my credit report that has inaccurate information. All three credit bureaus has stated that the information is accurate. 

The account in reference is : XXXX XXXX XXXX XXXX account # XXXX ( 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 reinvestigation ; and
Consumer complaint received 2023-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  Balance : {$94.00} XXXX - XXXXXXXX XXXX Inquired on XX/XX/2023 XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Consumer complaint received 2023-02-01
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. (TX)

VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via XXXX different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE XXXX XXXX CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT XXXX  XXXX XXXX  XXXX
Consumer complaint received 2023-06-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXXXXXX XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Consumer complaint received 2023-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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

15 U.S.C. 1681 Section 602 A. State I have the right to privacy.

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.
Consumer complaint received 2023-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc. (CA)

I received a {$100.00} Vanilla Visa Gift Card as a gift and went to use it and it would not workthe package was unopened prior to me accessing it. 

I contacted the card distributor, InComm Financial Services and was told to send pictures of the card and my license to them ( I was given a XXXX # XXXX ). I did that on XX/XX/XXXX and never received a response. I explained to them that I didn't have a receipt for the Gift Card as it was a gift. 

I called them on XX/XX/XXXX to see why they haven't responded and they claim they didn't receive my email so I resent it to them. 

I did an online search and found that there have been complaints against this company where people have had the same issue. Links below. 

XXXX XXXX XXXX XXXX XXXX XXXX