davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

On XXXX XXXX XXXX  I set up an account with Venmo so I could have money from a survey company XXXX to have {$25.00} put into my bank account. I received an email from Venmo that I had set up my account successfully. Within an hour I received another email telling me my account had been suspended for a violation. Since then I have communicated with Venmo between 20-30 times trying to resolve the issues. Finally on XX/XX/XXXX I received an email from XXXX XXXX PayPal Global Consumer Complaints & Advocacy that informed me, " On XXXX XXXX XXXX  we determined that there was no risk associated with your account. The suspension has been lifted and you have full access to your account. it also said that in another email I was given {$25.00} that I could transfer to my bank account. I tried several times on XX/XX/XXXX and over the next several days to transfer the funds with no success. On XX/XX/XXXX I received an email from XXXX XXXX from Venmo stating : " After review, it looks like your attempt to add this bank account is being denied by our system. '' So now after XXXX XXXX said in her XX/XX/XXXX communication my account was good I am being denied my payment again. For XXXX  months I have had this money withheld for no justifiable reason.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (LA)

As of XX/XX/2021 I have not been able to resolve the issues with creditors prior to inquiries that have been posted on my account and I would like to get these errors resolved immediately
Consumer complaint received 2020-03-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I deposited my paycheck on XX/XX/XXXX, from the same employer that I have been depositing checks every week for over 6 months now. I live paycheck to paycheck and need money as soon as I get my check, I am a XXXX student, work a XXXX job in order to support myself. Bank of America decided to delay my paycheck that I deposited on XX/XX/XXXX till XX/XX/XXXX. When I called, they did not provide a sufficient reason about the check being held and refused to let me speak to the department that handles hold for checks, saying that I have to go through an intermediate manager in order to contact them and I can not speak to them myself. Bank of America has decided to hold my paycheck till next Saturday, when I asked to speak with a manager they recommended that I apply for a credit card or a loan since I do not have any money in my account to buy food, pay rent or get my medicine. They have decided to this in the middle of the covid-19 epidemic, I live in XXXX where almost all offices are closed and getting any necessities like food, medicine is extremely hard which makes matters worse.
Consumer complaint received 2020-03-20
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (AZ)

This morning I received a call from XXXX XXXX. I spoke with a representative that informed me of a debt from 15 years ago. I laughed at him because I can't believe this is where we are in these times. You're calling to collect a debt from 15 years ago? If they would've checked my file, they'd see that all of my student loans were DISCHARGED back in 2014 because I am a XXXX XXXX Veteran with XXXX XXXX XXXX and XXXX   XXXX. So there's no need to try and collect because I'm not going back to work and the money I get is protected. Secondly, I am currently in bankruptcy. All they had to do is look at my credit report and they'd see that. After laughing at the representative and telling him that this is WAAAAAAAAYY past the statute of limitations, I informed him of my bankruptcy and gave him the file number. 
He told me, " A debt is still a debt. '' I mean, I know he's doing his job. But really??? 

I also have a recording of this call if anyone needs it. All of my calls are recorded.
Consumer complaint received 2020-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (MD)

I have gotten cell phone calls from Associated Credit Services XXXX XXXX demanding payment for a medical debt that was paid in XXXX. The caller said they would continue to contact me unless I sent them proof of payment. I directed the agent to contact XXXX XXXX XXXX billing dept at XXXX XXXX XXXX to confirm the payment of XXXX.. ( payment of {$50.00} XXXX & {$310.00} XX/XX/XXXX. ) I also asked why their client did not notify them of the payment. I contacted the group to confirm that they had gotten my payment. I was told by XXXX XXXX XXXX that I did have a XXXX   balance on my account. I was told by the agent they would forward this information to the collection agency. This call was on XX/XX/XXXX. 

Today XX/XX/XXXX I got another call from Associated Credit Services demanding payment on the dept. I told the agent it had been paid in XXXX and they were trying to collect on a debt. that was already paid. I was told they would continue to call me until I send proof to them that I paid the bill. I said they needed to contact their client. I have never heard of a situation when a client wouldn't notify the collection agency of a payment. The caller refused and said it was up to me to prove I paid. 

Again I called XXXX. and was told this would be communicated to ACS and confirmed that there was a XXXX   balance due.
Consumer complaint received 2020-03-20
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. (FL)

This is a formal complaint against Experian, specifically with the Special Cases Department. I am doing this complaint through this because the agents of this department in Experian don't want to take my disputes, I have called multiple times, and they don't want to take action to do the right thing to remove the accounts that I am disputing of the unauthorized accounts. The agent of Experian says that the accounts that I disputed were already blocked, but that the creditors unblocked them and that they can't block them again. This is illegal and wrong, because I am aware of the federal laws of the section of the 605B of the Fair Credit Reporting Act and they are going against it. And I am within my rights to call the block and remove of these accounts as soon as possible after this complaint. 
( I am writing to inform you that I am a victim of identity theft. The information listed below, which appears on my credit report, is not related to any transaction made by me. Such transactions are the result of identity theft. Please block this credit information and send the required notice to all the businesses that provided you with this information. It is illegal and wrong for Experian workers to mistreat me, special affairs officers do not want to make disputes with me, they refuse and on the other hand allege that the police report that I provide them does not comply with those they establish, if this is the case because they refuse to supply what the police report should be like so I can request as they please. Since police reports are as they should be and as required by the federal government. In addition to the fact that you are reporting an account opened under fraud and it is also illegal and incorrect for you to refuse to make the dispute, I have every right to request and demand that these fraudulent accounts be blocked immediately and according to the federal laws that protect me since I am a victim of identity theft and I am providing a police report and all the documents required by law to support this fraud. Section 605B of the Fair Credit Reporting Act, which states that your company must block fraudulent information from my credit report that is the result of identity theft within 4 business days and that you must promptly notify providers who supplied my information. ) The accounts I am disputing are the following : 1. XXXX XXXX XXXX BALANCE ACCOUNT {$730.00} 2. XXXX XXXX XXXX BALANCE ACCOUNT {$95000.00}. # XXXX 3. XXXX  XXXX XXXX BALANCE ACCOUNT {$62000.00}. # XXXX 4. XXXX/XXXX  BALANCE ACCOUNT {$1100.00}. # XXXX
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (AL)

Sam 's credit card- Sam 's has lowered my credit limit on my card without giving me any reason. I have never missed a payment and recently got the card and had a XXXX dollar credit limit which they lowered to XXXX and now I have other creditors giving me small credit limits of XXXX and XXXX dollars. This is not good for my debt to ratio. My credit limit was in the 700 hundreds and now has dropped do to this fact. I need my credit card especially during this time with this virus in America.
Consumer complaint received 2020-03-20
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. (TX)

I sent 4 written requests to each of the 3 credit agencies Experian, XXXX, and XXXX  to verify items on my credit report. 

In the results of each companies investigation and subsequent investigations, they stated in writing that they " verified '' these items and are being " reported correctly '' but did not provide me with any verifiable proof according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) & under Section 611 ( 5 ) ( A ) of the FCRA. 

Letters were sent to Experian on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 XXXX  on XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 Each letter was signed and sent with a copy of both my driver 's license & passport card.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

To Equifax XX/XX/2022 Equifax Information Services, LLC. XXXX XXXX XXXX XXXX, GA XXXX I hereby request a confirmation letter for account number XXXX account deleted from my credit file Equifax response dated XX/XX/2022, Equifax investigation results Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX - XXXX SERVICE THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 

Please send me the confirmation letter via Consumer Financial Protection Bureau portal ASAP within 7 days Company responded STATUS Company responded on XX/XX/2022 RESPONSE TYPE pany 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX - XXXX SERVICE THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With my Equifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. 

Thank you XXXX XXXX
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AZ)

LVNV Funding Inc. sent my debt to a collection attorney who filed for garnishment of the debts owed to the company. On XX/XX/2020 I received a letter stating the debts were satisfied ( paid ) in full but LVNV Funding has not updated my credit reports nor removed the inaccuracies after multiple disputes.
Consumer complaint received 2020-03-20
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

On XX/XX/2020 I made a regular payment for XXXX by phone to my HELOC lender PHH # XXXX. 
On XX/XX/2020 my lender applied my entire payment to principal and then claimed I was late with the XXXX payment. I called to get the problem corrected. After speaking with their agent I was sent a letter dated XX/XX/2020, by PHH that read that I had made a late payment. Attached is copy of the payment statement and the XX/XX/XXXX letter. 
My complaint is that PHH has made a false record of their misapplication of my payments. This the second time that they have done this ; Case Number XXXX / Regulatory Case ID XXXX, attached.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (GA)

I have an American Express Bluebird card. Yesterday someone manage to steal XXXX off my card sent to theres. The card shows the name and email it was sent to. I looked her up on XXXX by this time she had admitted and wrote status saying someone sent her money and she not given back. I did not send the money.My Account was hacked. My money was in my saving account, the card issuer cant explain why or how. Please help me. My daughter and I need that money asap. I dont know what to do but Im so hurt please help XXXX XXXX XXXX
Consumer complaint received 2021-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

XX/XX/2021 Dear Sir or Madam : On Monday, XX/XX/XXXX, I received a letter from Synergetic Communication , Inc. a collection company - ( attached ) concerning a debt that I supposedly owe to XXXX XXXX. There is a secondary collection company named XXXX XXXX XXXX who is also named as a debt collector. 

Both of these collection companies have received numerous complaints against them for various violations of the Fair Debt Collections Practices Act. 

I have tried calling the number on the letter to find out what this is about but no one picked up the phone. I was only able to leave a message. However, today is Friday, XX/XX/XXXX, and I still have not received a phone call back. 

This concerns me because I have never heard of any of these companies before. Not XXXX XXXX  nor XXXX XXXX XXXX nor Synergetic Communication , Inc. And as such, I have never had any dealings with them let alone owe them the money they claim I owe them I am contacting you to let you know that all of these companies are obviously conducting fraudulent actions against me and I ask that you take a hand in the matter. 

Thank you, XXXX XXXX
Consumer complaint received 2020-03-20
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. (TX)

014 XXXX XXXX XXXX Letter on Unfair or Deceptive Credit Practices. ... The FTC Act and the Dodd-Frank Act continue to prohibit unfair or deceptive acts or ... XXXX may determine a statutory violation exists, depending on the facts and ... 

ftc violations
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (NE)

I had dental work done in XXXX of XXXX, when the pandemic occurred in XXXX of XXXX, my job was shut down for XXXX  months and I tried to pay as much as I could. By XXXX I was on a payment plan with XXXX  XXXX  but I got sick with XXXX and was out of work for XXXX  months, I fell behind on payments and they closed the account and referred my account to collections without my knowledge. They just got a judgement against me for this account and I have told them per- US 1692c ( c ) I can not pay the debt nor will I. Please delete off my report!
Consumer complaint received 2020-03-31
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: Risecredit, LLC (TX)

Rise is reporting identity theft and fraud. Additionally I filed bankruptcy before this fraudulent account was even reported and Im being hit with a double sword. Reporting of identity theft as well as reporting and updating after bankruptcy. Ive contacted the company. I have provided all documents. They havent removed. Instead they continue to ask for different items to delay action. I submitted the ID theft Affidavit. They wanted the email showing it was submitted online. I submitted police report. They wanted the police to name them specifically. Police here dont do that. They wanted ID copy. I submitted Military ID and they refused to accept it and wanted a state ID not a federal one. Everything is games and avoidance while damaging my credit and name.
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

From XX/XX/XXXX to XX/XX/XXXX, I discover several fraud charges that was not made by me totaling to about {$1200.00} when I log into my sear account. 
Here are all of the charges : -- XXXX XXXX : XXXX XXXX XXXX  {$190.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  $ {$28.00} -- XXXX XXXX : XXXX XXXX  {$94.00} -- XXXX XXXX : XXXX XXXX {$230.00} -- XXXX XXXX : XXXX XXXX XXXX   XXXX  XXXX {$47.00} -- XXXX XXXX : XXXX MI XXXX {$54.00} -- XXXX XXXX XXXX XXXX XXXX XXXX  {$40.00} -- XXXX 1 : XXXX XXXX  XXXX XXXX  XXXX  {$64.00} -- XXXX XXXX : XXXX XXXX XXXX  {$79.00} -- XXXX XXXX : XXXX XXXX   XXXX {$55.00} -- XXXX XXXX : XXXX XXXX XXXX {$30.00} XXXX XXXX XXXX : XXXX XXXX {$100.00} -- XXXX XXXX : XXXX XXXX XXXX XXXX XXXX {$99.00} -- XXXX XXXX : XXXX XXXX   XXXX {$94.00} I have filed a police report and talk to the customer service and they agree to remove these charges. However, in XXXX, I saw these charges on my account again  and received a letter saying my claim was deny because of I somehow benefit from these transactions? I then call the investigator of the case and he claim he cant remove the charge because I have to be physically at these locations to make these fraud transactions which doesnt make any sense since I never make any transactions at any of these location before. I refuse to admit to any of these charges that I never made and willing to go to a full-blown investigation if I must.
Consumer complaint received 2024-04-10
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: JPMORGAN CHASE & CO. (AZ)

Chase XXXX continues to drag their feet regarding a fraudulent credit inquiry. They acknowledge the fraud but have elected to play games with my account. 

This inquiry is causing myself financial harm which Chase has elected to ignore. 

Chase insists action has been taken yet ALL credit agencies deny this. Chase claims it can take XXXX days which all of the reporting agencies deny. 

When Chase wants to report XXXX  information to the agencies miraculously it only takes a XXXX but for this fix it takes forever. 

Chase should be punished for the financial harm they are causing me.
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (VA)

i have asked experian for a couple of years for VALIDATION of a bankruptcy that is being reported on my credit report, after several disputes, they are still unable to provide the sufficient and accpetable VALIDATION that, I, The consumer are legally entitled to.They report back that the bankruptcy is VALIDATED and WILL REMAIN on my report. I recieved a letter from the court ( that i have attached ), that they are not the data furnisher of this information, and all my credit files are FROZEN, for any data furinishers, Please remove this illegal reporting,
Consumer complaint received 2020-03-20
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. (CA)

I was denied from opening a credit card at XXXX today XX/XX/2020 because there is an account from XXXX  XXXX XXXX reflecting badly on my credit report as well as several inquiries. None of those items belong to me ; I did not open that account and I did not allow those companies to run my credit. I did not give anyone permission to use my personal information to open that account and make those inquiries. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not make any payment towards that account. I do not have any contract or agreement with any of the companies listed in this report. I have already filed a police report regarding these unauthorized inquiries and account.
Consumer complaint received 2020-03-31
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)

The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.