davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

RE : issue regarding money received by Venmo on XX/XX/XXXX A deposit was made by my daughter to me through VENMO on XX/XX/XXXX. My login fails, so I can not access or transfer my balance to my bank. The following message appears in pink box top of screen every time I try to login! Check your info and try again. 
I tried for over 6 hours over three days. 
I need the money my daughter sent to me on XX/XX/XXXX to be deposited to my card at XXXX XXXX  ( on file w Venmo under my name ). I tried to re-imburse her as a refund through Venmo with my XXXX  card and it went through on my card ( and I noted it as refund so she would not worry since it was sent to me to buy food ) BUT I NEVER actually got the money she sent me although there IS a record of it on Venmo! I spoke XXXX XXXX XXXX XXXX XXXX XXXX  who gave me Ticket # XXXX to prove our conversation time happened. XXXX confirmed they received the deposit made by my daughter of {$30.00} on XX/XX/XXXX
Consumer complaint received 2024-06-27
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

For the Truist Money Market account there is a requirement that to avoid a monthly maintenace fee I needed to mantain a {$1000.00} daily balance. In the first month ( XX/XX/XXXXXX/XX/XXXX ), I made only the {$50.00} minimum deposit on XX/XX/XXXX and not the full {$1000.00}, which I acknowledge. I was charged the {$12.00} fee for that statement cycle, which ranged from XX/XX/XXXX to XX/XX/XXXX. I am confused as to why the statement cycle ended on the XXXX. On the XXXX, I deposited over {$1000.00} to my account and have mantained that minumum balance ever since. My next statement for XXXX ranged from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I was hit with another $ XXXX monthly maintenance fee despite keeping my balance over {$1000.00} that entire month. When I spoke to a representative, they said it was because for one day in the statement cycle that I didnt have the {$1000.00} balance. I can not get the second {$12.00} maintenance fee refunded. I was not given a specific date over the phone. I have never had a Posted Balance on my account summary under {$1000.00} and at the time of my XXXX statement says my balance has been over {$1000.00}. As a customer, I have no written access to a daily ledger stating that my account was under {$1000.00} on any specific day. If they do assess that monthly maintenance fee based on one single day, I should have the daily balance of my account accessible to view somewhere. Also, it is strange how my XXXX statement begins XX/XX/XXXX and ends XX/XX/XXXX, which is a different length of time from XX/XX/XXXX to XX/XX/XXXX. It is also strange how I have gotten charged both on XX/XX/XXXX and XX/XX/XXXX, which is less than the amount of days in the month of XXXX ( 31 days ). In my account, each statement is titled by month which is misleading.
Consumer complaint received 2022-06-10
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. (MI)

In accordance with the Fair Credit Reporting Act XX/XX/XXXXt account : XX/XX/XXXX( XXXX ), XXXX XXXX XXXX ( XXXX ) has violated my rights. 

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 2018-11-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MI)

Citibank is refusing to pay out advertised promotion ( XXXX ) of {$400.00} for opening a new account, despite offer terms being met. 

Citibank states that the minimum balance requirement was not met for the stated terms. It only dipped under for a couple of days due to an erroneous account maintenance fee charged by Citibank, which I had to inquire about and have subsequently reversed by Citibank. 

I have called customer service numerous times and have not gotten anywhere, including a call with a 'manager ' on XX/XX/2018 in which he stated my dispute was re-submitted for review. Upon calling on XX/XX/2018 for a status update ( the date the manager had asked me to check in ), I was  informed that there was no record of the case being resubmitted. 

Would be happy to provide full account statements as proof of the terms of this offer being met.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am at my wits end - I have called XXXX XXXX regarding their incorrect reporting of the status of my account 16 times during the past year. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ... ..AND THE LAST TIME WAS TODAY, XX/XX/XXXX I paid this car loan off XX/XX/XXXX and I actually talked to them that day about the inaccuracies of their reporting of my car loan to the credit reporting agencies. The girl actually said she would take care of it. Never heard another thing from them and my credit report remained unchanged. 

So ... ..today XX/XX/XXXX I receive a notification that some information on my credit report has changed. The updated my credit report alright, but they just moved the information around - and now my credit report has now gone DOWN 19 points!! They  had been reporting it as 30 days late 4 times and 60 days late 2 times. Today 's update now shows it was 30 days late 3 times and 60 days late 2 times. 

NONE OF THIS IS TRUE! I have NEVER made my car payment 30 days late, let alone 60 days!! 

Their customer service reps speak broken English and every time I call, I get a different answer from them! All I want is my account to reflect correctly!
Consumer complaint received 2022-09-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2019-04-05
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: EQUIFAX, INC. (MO)

After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX  {$150.00}, ( 5 ) XXXX   {$140.00}, ( 6 ) XXXX XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.
Consumer complaint received 2022-09-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2019-04-05
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. (MO)

After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX   {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX {$150.00}, ( 5 )  XXXX {$140.00}, ( 6 ) XXXX  XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX   {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX   XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.
Consumer complaint received 2022-03-10
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 — Investigation took more than 30 days
Company: Ability Recovery Services, LLC (NY)

I have written the company about the false information to a debt that I did not validate. It has been several months since this letter was sent to the company. I have not received a response. I would like this removed from my credit report.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

On XX/XX/20, I paid all outstanding medical debts by phone to Healthcare Collections Inc. I  was offered a cash discount ( I did not ask for this ) and accepted it. I was given a confirmation number : XXXX. I was told that the items would be removed from my credit report XX/XX/20. On XX/XX/20, HCI reported the cash discount as an outstanding debt AND as a late payment. I spoke with them again today, and was informed that I paid it off at the wrong time - that they require two weeks to charge off the discount THEY offered, and that the fraudulent item they have reported to XXXX  will be removed XX/XX/20. When I stated that I was trying to buy a house and this fraudulent item was affecting that, the collection agent said " Well, that's the way it goes. '' When I informed him that I would be filing a complaint with CFPB, he hung up on me. I have disputed the item with XXXX, however, HCI 's bad-faith game-playing with my credit report is damaging to me personally, and I have no doubt that others are being damaged similarly.
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft, so I've reported it to the XXXX here in California. I did not authorize anyone to open or use accounts of anything in my name. These developments are new to as I have no knowledge of the debts nor did benefit in anyway. Under California law I have rights that protects me the consumer. I have the right to see any and all information of accounts of debts in entirely within 30 days. These accounts need to be removed from all credit agencies reporting it. Thank you again for your time and consideration in this matter. 
Respectfully, XX/XX/2019
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Perfection Collection (IL)

I notified the agency last year to inform them that this is not my debt. They can not provide me with a signature or copy of identification. The address used when purchasing merchandise was not mine in fact Ive never lived in that area. Im not familiar with the company in which the purchase was made. None of the information they had was accurate even my form of income was inaccurate. The debt owed to XXXX XXXX XXXX in the amount of {$2400.00} Is not my debt. Completely fraudulent
Consumer complaint received 2023-01-27
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. (CA)

I've contacted XXXX via mail about accounts on my report wit improper dates that are misleading and i asked for removal of these accounts if they can not verify the correct information. I've gotten no response from them and they didn't delete the accounts as requested
Consumer complaint received 2022-12-29
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: EQUIFAX, INC. (PA)

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 name : # XXXX  XXXX XXXX, Account name : # XXXX  XXXX XXXX, has violated my rights. 

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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
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. (IL)

after recently review of my credit report i noticed unauthorized credit inquiries, i did not authorize please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2019-04-05
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. (MO)

Back in XX/XX/XXXXan disputed account ( XXXX XXXX XXXX ) was deleted from my credit report, However, as of XX/XX/XXXX the same account has been reinserted without my knowledge nor consent. The FCRA specifically says " that information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. In addition, the consumer reporting agency is required to send the consumer written notification within five ( 5 ) business days that the information has been reinserted, and provide contact information for the company that furnished the information, and they are required to maintain reasonable procedures designed to prevent the reappearance in a consumers file and in consumer reports of information that is deleted. I would like this account blocked permanently or I shall file suit against the credit reporting agencies, I was not notified of anything and this account ( XXXX XXXX ) has been deleted for over 2 months, way passed the allotted time frame allowed by the FCRA.
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I noticed a {$2.00} fee on my statement in XX/XX/2018. I called and was told the only way i could make the change to move to electronic statements was online. I was given my on line ID and was told to log in. I tried to do that and was unable the system says it was unavailable. I told the operator told me he was sorry and to try again. I have tried several times unsuccessfully to log on to their online portal to make the change, each time i get the same message. They have now taken/stolen over {$20.00} from me. This seems like an unreasonable request to put on the customers of the bank.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

The victim, XXXX XXXX was blackmailed to send them money starting from XX/XX/XXXX until she realized that was a scam on XX/XX/XXXX. I was using this online service that does my school work for since I am an student and was struggling to pass the class because of the language barrier. The scammers were doing my work at first until I was asked to send money as " Deposit '' to clear the record of my school portal that they have accessed. They kept asking that the money was not enough to clear the record of my portal. 
I started sending money on Zelle and XXXX. Zelle stopped working so I went to the bank and did the wire transfer. 
Here are the dates and the amount I sent Zelle : XXXX {$250.00}, XXXX {$100.00}, {$600.00}, {$500.00}, XXXX {$200.00}, XXXX {$400.00}, XXXX {$200.00}, {$900.00}, {$250.00}, XXXX {$600.00}, {$510.00}, {$80.00}, XXXX {$1100.00}, {$1200.00}, XXXX {$1400.00}, XXXX {$1800.00}, {$100.00}. total : {$10000.00} I have attached the payment history, under XXXX XXXX and XXXX XXXX There are about {$4000.00} more that she sent through XXXX XXXX 
During this time, i would get 100+ of phone calls day and night and was told that if i dont send money they will report it to school and make kicked out. I asked for my friend help on Saturday XXXX  and found out that this was a scam. 
We have talked to Zelle if they can reverse the money but since she is the person who authorized and sent the money they decided not to reverse the money for me.
Consumer complaint received 2019-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ad Astra Recovery Services Inc (TX)

The loan was originally with XXXX XXXX XXXX XXXX opened XX/XX/2012 then transfered to AD ASTRA RECOVERY SOLUTIONS at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... XXXX XXXX XXXX ... .How many years can this item remain on my credit??
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I am currently in the process of trying to get a loan and I am getting denied. My account with federal student loans is showing I have missed over 120 days of payments from the months of XX/XX/2016-XX/XX/2016. At the time I had so much going on and did not pay close attention that even though I was a recent graduate that I had loans to repay. 


I am asking that you guys see that Ive always been in deferment. I am not finically stable to start paying right now. These loans have been so long ago and Im asking for forgiveness to remove some of these charges on my credit report.
Consumer complaint received 2019-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

We vacated our apartment # XXXX at the XXXX XXXX XXXXXXXX XXXX, XXXX, GA on XX/XX/2018 in compliance with the terms of the lease. The management sent me an email on XX/XX/XXXX claiming unsubstantiated damages of {$650.00}. I tried to work with them and asked for evidence such as photographs but they said they did not have any. As per Georgia law O.C.G.A. 44-7-33 they should have provided me with the damages list within 3 days of the move out date and allowed me to inspect the damages within 5 days. They did neither. So I disputed the charges. Since they had already violated one law, as per the second Georgia law O.C.G.A. 44-7-35 they're  forbidden to take any action against me. They still went ahead and turned it over to a collection agency National Credit Systems. When the collection agency called me twice, I notified them both the times that these were unsubstantiated charges and had been disputed.But they went ahead and reported it to the credit bureaus. I've had " Exceptional ( i.e. XXXX credit score ) for decades which has now been reduced to " Good '' ( i.e.700+ credit score ) and will remain on my credit for 7 years. This impacts my creditworthiness significantly. They have violated the laws and yet they're continuing to take illegal action against me. 
I request that this false collection charge be removed from my credit and that action be taken against the apartment management for violating the laws and damaging my credit. 
I look forward to your support in obtaining justice. 
Thanks.