davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On Wednesday XX/XX/XXXX at XXXX, {XXXX} was sent from XXXX through Venmo to what we believed was a legitimate person/ company XXXX Person : XXXX XXXX XXXX  ). 

The person was to send items to me in exchange but as it turned out he was a fraud and never sent any items. In an effort to get the money back neither Venmo or XXXX have helped resolve the issue or even give us more info of the recipient to we can file a civil matter. 

The regulations seem very inadequate for services such as Venmo
Consumer complaint received 2024-03-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I contacted Bank of America to dispute some transactions due to us not receiving and will not receive any services from the merchant but made a substantial advance payment. But Bank of American closed our dispute before we received their letter requesting more info. 
I called multiple times and they said it will be reopened but thats not the case. They also changed the reasons a few times why they closed the dispute and was told that I will not get the refund unless I send them a letter from the merchant that claims they are willing refund us. ( Would anyone dispute credit card charges if the merchants are willing to refund them? ) They finally reopen my claims after I filed a complaint on CFPB, and received a mail on Friday XX/XX/15 that requested information but one business later they closed and denied my claims already again before I had a chance to respond by mail. 

Bank of America is not interested in helping their credit card holder at all! Its worst credit card ever!
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

This account was a charge off. last payment was XXXX went into charge off in XXXX XXXX since then, the account has been repeatedly updated as charge off ever month. for 49 months. When it should only have been once. this is a update to payment history. a charge off account should not include active payment history. the inaccurate information falsely manipulates the statute of limitations. you failed to investigate this account properly and your neglect has violated. my rights. this was a voluntary surrender of car in XXXX XXXX and you didn't close account till XXXX XXXX when it should of been closed in XX/XX/2018. 

XXXX XXXX account # XXXX last 4 ss # XXXX XXXX address - XXXX XXXX XXXX XXXX NY XXXX Consumer Financial Protection Bureau Case # XXXX
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY (MA)

I am so frustrated right now. I only get paid XXXX and believe me, it 's not a lot. On my XXXX check I made a payment for my nephew thinking that I was okay. I forgot that I had sent out some packages through XXXX. Well I ended up going overdrawn, not by a lot. Well XXXX tried to do these small charges ( {$2.00} - {$3.00} ) several times and I did n't have enough in my account. Well they were trying every couple of days and the bank was charging me {$35.00} for every XXXX. When I checked my balance Saturday it was {$1200.00} overdrawn, I was flabbergasted. So I added up the charges and it came to {$1200.00}, so that means that I was {$8.00} overdrawn. I 've been on the phone so many times and after talking to several different people they credited me {$250.00} so they could get it under {$1000.00}. I understand that I was overdrawn and should be penalized but the charges seem a little absurd. I do n't know if you can do anything for me, but I am on Social Security and I really ca n't afford it. Thank you for your time. 


Sent from XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Conn's, Inc. (CO)

I am complaingin about goint to Conn 's furniture to buy a bed and bed frame. I requested a XXXX frame and they charged me for a XXXX. When the we asked to get a copy of the contract they refused. We asked 3 times. They said we had to go somewhere to get the copy of the contract. We spoke with XXXX the sales person and advised we did not want the the {$1000.00}. The driver put the bed together and I asked to see the copy of the contact. He said it was on his phone. I could not read the information due to the font was not big enough.. When asked the driver to inlarge the front he did not understand me due to he did not speak XXXX. I went ahead and signed the contact. We did not have any bed at all to sleep on. We are elderly and can not sleep on the floor and the Love Seat. 
We contacted the company and they declined to change the frames from the vibrate that is {$1000.00}. and give us the smaller frame for {$770.00} plus a tv of XXXX XXXX inch. and have XXXX extra on our credit. 
Conn '' s XXXX XXXX XXXX, XXXX, TX. XXXX XXXX # XXXX XXXX # XXXX XXXX
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Midwest Acceptance Corp. (IL)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Illinois FCRA Identity Theft Fraud Laws DeaXXXX MIDWEST ACCEPTANCE, I am writing to address a severe violation concerning the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as Illinois identity XXXX fraud laws, particularly XXXX ILCS XXXX. 

It has recently come to my attention that MIDWEST ACCEPTANCE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stipulated in the FCRA, explicitly requires consumer consent for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Furthermore, Illinois state law, specifically XXXX ILCS XXXX, underscores the seriousness of unauthorized access and misuse of personal information, particularly in cases of identity theft. 

I affirm unequivocally that I have not provided consent for MIDWEST ACCEPTANCE to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and a clear disregard for federal and state laws.

I demand, without reservation, that MIDWEST ACCEPTANCE immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Illinois identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Illinois state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your urgent attention to this matter and expect that MIDWEST ACCEPTANCE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

XXXX XXXX
Consumer complaint received 2022-12-14
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. (TX)

XXXX XXXX account ending in XXXX I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. On Experian the account is reporting 30 days late XXXX XXXX, 60 days late XXXX XXXX 90 days late XX/XX/2017. For XXXX the payment history for this account reflects 60 days late XXXX XXXX  90 days late XXXX XXXX 120 days late XX/XX/2017. I want the account deleted because the payment history is reporting inaccurate and I took the facts directly from the credit reports which I will submit as attachments
Consumer complaint received 2024-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kinum, Inc., Indianapolis, IN Branch (WI)

XXXX, the debt collection agency, contacted me via phone XXXX times- on XX/XX/year>, XX/XX/year>, and XX/XX/year> - all the voicemails said is, " This is XXXX calling from XXXX and give me a call back '' with the callback number. No other details were given and I received no other communication either via email or mail, and now I see the debt on my credit report as of XX/XX/year>.
Consumer complaint received 2023-03-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NM)

I purchased a residential property XX/XX/XXXX from the buyer of a municipality lien sale conducted by City of XXXX NM XX/XX/XXXX and recorded my ownership in XXXX XXXX NM Clerks office. In XX/XX/XXXX an Assignment of Deed of Trust from XXXX XXXX XXXX XXXX XXXX XXXX was filed in District Court to reopen a mortgage foreclosure. XXXX by Assignment of Mortgage from XXXX XXXX XXXXXXXX to XXXX, XXXX, filed to foreclose. Foreclosure sale was conducted by Special Master Deed improperly notarized XX/XX/XXXX and recorded in XXXX XXXX XX/XX/XXXX as XXXX XXXX XXXXXXXX, owner. XXXX XXXX XXXXXXXX has stated in email to me after months of sending documents proving my ownership, and claim no record of a loan and no knowledge of foreclosure, sale or ownership of the property. PHH purchased RMS 's book of business which included the loan purchased by RMS in XX/XX/XXXX in pooling sale. XXXX XXXX XXXX was entered as Plaintiff in XX/XX/XXXX, by misrepresentation through counsel not hired by XXXX XXXX XXXX  and obtained a ruling which has sold my property illegally. XXXX XXXX XXXX denies any involvement, counsel representing Plaintiff appointed the Special Master and pursued to take my home. I have contacted the SEC, XX/XX/XXXX who is investigating mortgage foreclosure fraud.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (OH)

I sent a check to a company XXXX XXXX XXXX XXXX in XXXX, GA. 
It was cashed by a XXXX XXXX with no identification at all. 
Check # XXXX Amount {$6800.00} I have contacted my bank as soon as it was found stolen. XX/XX/2023 as of this date and numerous phone calls to PNC my monies have not been reinstated. 
They allowed the money to be taken from my account and as of this date have not reimbursed my account. I am a 30 year business customer with them. 
NO ONE has called me back or given me any information. I have had to call them several times with no avail. I personally gave the check to the postal carrier, who deposited to the XXXX and it went to a XXXX XXXX XXXX So how could it have been stolen. 
And just now and I mean just now received a note from PNC stating it could take 120 days. I think that is awful and very unprofessional. 120 days!!!!
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: TD BANK US HOLDING COMPANY (FL)

I was marketed a XXXX credit card. I accepted the offer. TD Bank issued the credit card. It is serviced by TDcardservices.com. So basically a bait and switch. I am now doing business with TD bank through Tdcardservices.com. I was led to believe through the marketing and the name on the card that I would be doing business with XXXX. This seems like false advertising/lying. I spoke with XXXX extension XXXX TD credit card department who was ignorant to these facts.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, 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. (NY)

I just logged in to my Experian account and it is saying there are 5 new collection accounts and 3 new open accounts, and I have no unpaid accounts and haven't opened any new accounts and considering the ongoing battle with identity theft, I check my credit reports regularly. However, Experian is not showing what the new collections are for me to dispute or the new accounts AND their website will not allow me to get a current copy of my credit report so I can see the accounts to dispute them and I have their XXXX premium {$19.00} per month membership. How am I supposed to dispute accounts if I can't even see them on my credit report!
Consumer complaint received 2023-02-14
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

hard inquires that I do not recognize on my Transunion and XXXX credit reports. 

XXXX XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2018-11-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (CA)

They told me the interest rate was only XXXX dollars. As pretty normal for payday loans. However I got a loan for XXXX and am expected to pay fees and interest totaling XXXX by the end of XXXX. 

This is absurd they think they can take peoples money like that. Im young and fell into a financial emergency because of an accident. Or else I never would have used them. I have used companies like lend up before who have a real payday system in which you pay XXXX on top of what you borrow which I assumed is what this company was.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CO)

On XX/XX/XXXX at about XXXX MST there was unauthorized access to my Coinbase account. 2 factor authentication failed for some reason and over {$12000.00} was stolen from my account. They did this by buying bitcoin then sending it to an unregistered wallet. They then attempted to increase account limits, and obscure the theft by transferring {$12000.00} from my checking account. My bank is aware and blocked the transaction. 

I contacted the company but they have not indicated that they will assist me, and I am currently locked out of my account- they will not grant access.
Consumer complaint received 2016-12-22
Product: Credit card — 
Issue: Billing statement — 
Company: TD BANK US HOLDING COMPANY (FL)

I got a credit card from TD Banknorth in XXXX 2015 with a {$7500.00} credit margin. I gave them my Florida adress as well as my northern adress because I live in Florida only 4 months per year. I used the card without problem until the spring of this year. An amount of {$250.00} was put on my card and the account sent to my Florida adress. The Bank says the the US Postal Service returned all statements sent to my Florida adress even though I had advised the US Postal service to forward my mail at my XXXX adress. 

I did in fact received at my XXXX adress all the mail sent to my Florida adress excep of course the statements coming from TD Bank. 
TD Bank had my XXXX adress in their file but they decided to ignore it. They had also phone numbers that they could use to reach me but did n't care to use them. 
Instead, they notified the credit agencies that I was delinquent, that my credit card was suspended and that they had written off the loan. 
I learned of all this from another Bank and after having paid off the amount owed to TD Bank I asked them to notify the credit agencies so that my record be clean but to no avail.
Consumer complaint received 2019-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MD)

Money was send to me from XXXX XXXX for a car he brought from me I did not know I had my Venmo card link to my account so when XXXX XXXX send me the money it when into Venmo account I try to transfer the money out Venmo to my bank account. This is when Venmo close my account and send me a email telling me do not Contact them anymore. I called over 20 times with all the calls being recorded. They give you a different reference number Every time you call in this company is so scamming people. With they fine Print. 
They said that I have violated Venmo rules but Ive never seen Venmo rules. I would like for something to be done about this company. They have thousands of Complaints about them taking peoples money hard earned money
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, 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. (MS)

Account was paid in full on XX/XX/2019 and still showing on my credit report with an amount. The accounts are showing up twice on my credit report. Also, my income taxes was taken twice by this company. Second time I call and had to wait for them to send my check back to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (MO)

On XX/XX/2019 there was a foreclosure sale on the property XXXX XXXX XXXX XXXX XXXX XXXX, Mo and the XXXX purchaser was XXXX 's XXXX XXXX that he bought at the foreclosure sale. XXXX XXXX was the Trustee. XXXX XXXX submitted to the the XXXX XXXX Missouri Circuit Court that the sale was XX/XX/2019 and he purchased it. The property taxes have not been paid in 4 years. Two weeks ago the house flooded and he does not have a building permit. The property was never sold at the foreclosure sale since on XXXX XXXX web- site they list the property and XXXX XXXX is the mortgage holder. At a forclosure sale the property must be bought in cash and it was not.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (OR)

I started a XXXX  in XXXX of 2021 and have since obtained multiple lines of credit that haven't hit my XXXX XXXX  XXXX and XXXX credit reports yet. As part of my plan to grow business credit I submitted a XXXX  application to Staples for XXXX  credit, not personal credit. Instead of checking my XXXX credit, which I did not authorize, they hard pulled by personal credit.
Consumer complaint received 2019-07-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AR)

I am attempting to refinance my current mortgage. In order to do so, I have been told that I will need to provide a payment history for the last 12 months. On XX/XX/XXXX, I contacted my loan servicer and asked them to provide me with a payment history. I was told that my request has been submitted and that I should see the requested document in 7-10 business days. It is now XX/XX/02 and during that time I have made 7 additional phone calls and I still have not received the requested document. I have verified my mailing address multiple times. I have requested the document be faxed to me 3 different times to 2 different numbers. I have been told these requests have been completed but have been given no proof that they actually have been completed. I have tried to talk repeatedly to a supervisor and have been told first that that isn't an option. Then on another call was told a supervisor could call me back in 1-2 business days.

In summary, I have over the course of almost 3 months made 8 different phone calls to obtain a simple document and have not been provided with the document or proof that the document has been sent.