davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I was a user of Venmo for quite some time without any issues, as I always use there services properly and use them what they are meant to be used for. On XX/XX/year> Around a week ago they suspended my account and sent me an email saying they noticed some unusual activity on my Account, which there was none I simply changed my password as I regularly update them for security purposes and right after they suspend my account, but anyways they tell me in the email to send my ID to them so so did and they locked my almost {$1000.00} dollars up while they investigated whatever they were investigating causing me a terrible headache and sending me into panic mode as ai am a single father of XXXX kids and i also had my XXXX wedding the very next day I needed my money for and there customer service said oh well nothing they can do i have to wait XXXX days well a few days pass and I get a email saying my account is suspended for good and they are holding my funds for a 180 days and then possibly then XXXX make them available to me if I recieve an email. This is unacceptable. This is nothing more than a corporation robbing the middle class as a simple google search after this happened to me shows this is common practice for Venmo and they are known for doing this suspending peoples account for good and holding there money and never giving the user access to get here money off again as the app is locked and the money is stuck in there. I need my money. That is my last bit of money I had to take care of my children and reinvest in inventory to make more money off that money. I am so set back already and Venmo literally will not explain to me anything and said they are moving foreward with closing my account and will not respond to me now. This has to be illegal what they are doing and I will not let this corporation rob me and steal my last bit of money I needed to take care of my family and use for my business to generate more money with. I did nothing wrong and they are doing this to people every day and then ignoring us and stealing our money and never giving it back. Ive not read one thing where someone actually got there money bafk eveyone says they stolen thousands from them too. If they don this to XXXX people a day for a whole month then thats damn near a half of XXXX dollars and the rate there doing this I can only imagine how much money they have after practicing this deceitful shady process for as long as they been operating. Please someone help me. I need my money ASAP! And they will not help me or even respond to me I dont even want a XXXX ever again i only want my money back they can close my account all they want but any not shady good business would let you withdraw your money not attempt to steal it.
Consumer complaint received 2022-12-07
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. (FL)

This is my second-time requesting 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 items 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 inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question. 

Accounts : XXXX. 

Inquires : XXXX Also Attached my paystub for address verification just in case it is needed
Consumer complaint received 2023-06-16
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2021-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (TX)

I submitted a dispute with the company win XX/XX/2020. The company has failed to respond, and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$52.00}.
Consumer complaint received 2024-06-27
Product: Credit 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: JPMORGAN CHASE & CO. (FL)

I sent a police report as request this week by the manager of fraud recovery team. 
After receiving the police report from XX/XX/2022 about my stolen identity. She decided the fraud claim and told me today that the fraud actually didnt start until XX/XX/2022. 

I have evidence to prove she is wrong and not helping. 

There was a second fraud credit card opened without my permission and the credit bureau says it was opened in XX/XX/2022. 

Chase wrongly closed the fraud claim.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I did a mobil deposit of a check from IRS on XX/XX/2023 they put a hold on it. i called on the XXXX and the check had already been cashed and they had the funds from IRS.i went to the branch on monday and was told it would not be in myn account until midnight of the XXXX. they said it was at the clearing house for my protection. and to make sure the funds were good. they know they are good because it had already cleared the IRS.well here it is the XXXX and they still have not put them in my account when they have had them since the XXXXthey have put over draft fees on my account now for things coming in on auto pay. i have made multiple calls to bank of america with no resolve, they offered to " loan '' me XXXX $ but with terms on it, yet not offering to just give me my XXXX $ I have ran out of gas, they are going to turn my electric off tomorrow, and i missed my neices and nephews graduation because they live XXXX hours away and i dont have gas to get there. they have no reason to keep this money from me and have caused me issues in my life. i have banked with them for XXXX years and this is wrong of them and for them to take total control of my life is not right or fair. i will be closing my account the minute they credit me the XXXX $ but i feel they need to be accountable for this and I will be seeking legal assistance as well as filing complaints everywhere I can. I am beyond mad there is not one thing i can do to get my money its not right even thoough they admitted had i taken the check to the bank it would have been just cashed on the spot and i could have walked out with my money so whats the hold up they are just earning intrest on customers money and its wr. like i said i will be seeking legal council to find out my rights in making them accountable in this.
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (DC)

On XX/XX/year> I called Aldous and Associates about a duplicate golds gym debt. I requested validation of the debt and the collector said after I paid one of them I could get validation to prove it is a duplicate. I paid for one of them and then the collector told me he could not send validation till I sent a written letter to their XXXX XXXX XXXX Very deceptive of them.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

last year I received checks from citibank shop your way mastercard pay no interest if paid in full by XXXX XXXX so I took out {$5600.00} dollars on a check. the first of the month XX/XX/year> I looked to see what the pay off was to avoid the intrest. {$3700.00}.?? so I paid {$3700.00}. looked online yesterday and it said the pay off was {$2200.00}......... so I called them and they said they applied the balance to my other charges that they have been collecting intrest on so my XXXX interest is XXXX XXXXXXXX ... ... ... .after paying all year I am going to pay {$5900.00} ... ... ... ... what a deal ... ... .this is fraud and scamming from Citibank.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (IN)

I have been saving my GM Card points to purchase a new XXXX XXXX XXXX. I'm now finding out they only are offering the points on a XXXX model of the vehicle I wanted. Issue is there are XXXX new XXXX ' model left in the US. They will not allow me to use my points on a XXXX ' model.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The Status of this account is Showing Paid or Paying as agreed but it also show 2Late payments that should not be reflecting on my Credit Profile and I am Hereby Demanding Deletion to the Invalid information Showing on My Experian, XXXX file Pursuant to My Fair Credit Reporting Act.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (NV)

I just want access to my funds. XXXX  XXXX  locked down all withdrawals, XXXX, ATM, everything and many consumers can not access their funds. This took place this past XXXX. The XXXX and still no resolution.
Consumer complaint received 2024-05-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NV)

XXXX XXXX I used search engine to find bank website for credit card. I entered first name initial in form as name exceeds character limit with given space ; last name and social security number. Before submitting application a green box with a white check mark displayed by all submissions. I pressed the black button submit and was prompted to call a number due from technical issues. I believe XXXX XXXX interrupted application process in attempt to put lower case letters before abbreviation. I called number and was given a website to check status where no applications match name and I submitted application to recieve technical issues from approval.
Consumer complaint received 2017-04-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: TD BANK US HOLDING COMPANY (MA)

After setting up an auto payment with TD bank for a loan to finance the purchase of a pellet stove, I received a notice that the account was past due. I called customer service to confirm that auto-pay was set up, to which, they said that it was not. At this time, I set up auto pay for the second time and made a 1 time payment. However, the next month, the same situation occurred, with my receiving a past-due notice. 

Additionally, the account was set up so that it would not be paid off before the interest-free period was over, despite my stated intention to pay off the loan before the interest-free period ended. 

I believe that TD bank intentionally did not process the auto payment, and further that they intentionally changed the parameters of this loan so that it would not be paid off in time to avoid interest.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I defaulted on my loan payments due to unfortunate circumstances. There was no option for a forbearance or deferment or even a lower payment option. My loan has now been accelerated and sent to collections. The servicer made no attempt to call or email me to resolve the issue and every time I contact them there is an extremely long wait time and when I opt for the call back feature I never receive any type of call back. I can not afford to pay the entire accelerated amount and am willing to establish a payment schedule with auto repayment from my bank account.
Consumer complaint received 2024-05-29
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. (VA)

I have requested investigation that my credit report is inaccurate. Investigation came back from TransUnion as a un-verified XXXX XXXX account and its not on my report, but this in fact still remains being reported on my credit file. I have attached feedback response this is to be deleted immediately
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (MA)

I applied to XXXX in XX/XX/XXXX, graduated with an XXXX in XX/XX/XXXX and wanted to pursue my XXXX in XX/XX/XXXX continuing my knowledge in the same field. Unfortunately, all of XXXX got shut down due to fraud and when I tried to continue with my credentials, that I supposedly received already from XXXX, the new institution ( XXXX ) told me no one will be accepting any transfers or credits from XXXX. I am now responsible for a Federal Student Loan through Great Lakes Borrowers and I do n't feel I should be responsible to pay back anything due to XXXX going bankrupt and making promises they never fulfilled also for wasting my time in pursuance of a career that has no credential back up.
Consumer complaint received 2024-06-18
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

My husband and I bought wedding rings at XXXX XXXX using their financier - Comenity Bank ( Bread Financials ). Each ring has it's account and it was a total of 4 accounts. I recently noticed, while reviewing monthly statements, that the financiers have been deliberately defrauding me by making sure that at least on of the 4 accounts does not have funds allocated that would cover the finance charge, thereby creating a higher closing balance on one of the accounts so that interest can be charged on the new and higher balance every month. 

This has been going on for a long time as the XXXX  statements shows. In XXXX, this contributed to the {$3500.00} charged as interest for the year. 

I have been paying way above the minimum payment but the bank keeps fraudulently ensures that one of the accounts doesn't get enough allocation to cover it interest charge. In XXXX, the minimum payment was {$230.00} and I paid {$400.00}, yet an account with an interest charge of {$17.00} only got allocated {$14.00} from the {$400.00} paid. The difference was added to the balance so they can charge interest on the new total. This has accumulated over the years because it's been like that and I only just started reviewing the statements.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2022 Chase bank allowed XXXX XXXX XXXX to take {$750.00} to pay off an account that was not authorized by me. Chase claims the person had my debit/bank card, immediately when the charge came through, I cancelled the card and reposted the fraudulent charge. After speaking with XXXX XXXX XXXX they acknowledged the person was out of state and the email address that was used for the payment, was returned indicating the email address was incorrect. Both XXXX XXXX XXXX and Chase blame each other and neither would accept responsibility and blamed each other back and forth during the 30-60 days when I disputed the charge.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I submitted written dispute requests on XX/XX/XXXX and XX/XX/year>. 
An account guarantee occurred that I did not agree to, and the total amount, including a guarantee fee of {$39.00} and late fees and interest due to non-payment of this amount, was {$130.00} ( as of XX/XX/year> ). 
I did not agree to the account assure. 
However, they charged me a fee for account assurance that I did not agree to, and they charged me a late fee of {$41.00} every month for not paying this amount. As of XX/XX/XXXX, I have a remaining card balance of {$130.00}. 
I sent several messages and requested a written dispute, but the late fees continue to pile up and I receive calls every day reminding me to deposit money.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (CA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (SC)

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$7900.00}. 

Account Name : XXXX XXXX Account Number : XXXX Description : Date open : XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. 

High Credit : XXXX is currently showing {$12.00}, XXXX, XXXX and Equifax show XXXX. 

Lasted Reported : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX, and Equifax show XX/XX/XXXX. All three XXXX XXXX XXXX are showing difference dates. Please delete Date of Last Active : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX. 

This is a violation of the FCRA and is also in violation requisite XXXX XXXXXXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that the item above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Consumer complaint received 2023-02-03
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. (AR)

Inaccurate information being reported as verified. Improper investigation. And reporting closed accounts. I get a proved for anything and it's my families quality of life financially. I'm a XXXX percent XXXX veteran in financial hardship.