davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (LA)

on XXXX XXXX I received a deposit from a person named XXXX XXXX into my Navy Federal Credit Union bank account. I was expecting this deposit. On XXXX XXXX, 2016 my checking account was frozen by Navy federal credit union with out any notice to me what so ever. causing all my checks to bounce and leaving me penniless during the entire month of XXXX. The amount deposited was {$15000.00}. ... .the current amount that was frozen is {$13000.00} and is still frozen. they say they want me to deposit another {$2000.00} to make the account back up to the {$15000.00} amount and return it to XXXX XXXX as his name is on the sender and the receiver status of the deposit even tho my account # and routeing # is on the deposit correctly. He got my account information directly from me. I am a XXXX veteran age XXXX and this is very stressful to me. Navey federal has refused to open up my account or to pay from my account my vehicle payments I owe now for 2 months, so they are all late now. also my credit card payments are now 2 months late. they have ruined my credit also thru all this and I have to move like some begger due to them. They say that XXXX bank did the deposit by ach and that XXXX bank is requesting this money be returned to them per request of XXXX XXXX. This is a lie.!!!!! I personally spoke to the Institution that XXXX works for yesterday and it was sent thru their account to my account and they said that their money has been refunded to them already. So why is Navy Federal still keeping my money from me???? HELP ME PLEASE!
Consumer complaint received 2019-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX years of age. My mother put me as a joint on her XXXX XXXX ( XXXX XXXX XXXX ) account about 2-3 years ago and it was removed by Transunion and XXXX and I have wrote letters advising that this account is accurate and to not remove this account and it was removed. I want this account added back to my credit file as this is not fraud. I have not heard back from either company regarding replacing this back on my file. There was a letter that came in the mail regarding someone opening something in my name and it was not mine. I have lost my license and not sure when they were lost but I wrote to advise if anything is on my report I did not authorize it but the credit card IS AUTHORIZED. Please do not remove this one credit card. I am wishing to place XXXX XXXX back on my credit file that was removed. Account number is XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (MI)

I filed an FTC complaint # XXXX on XXXX. This is the verbiage : " Identity Theft. Person ( s ) opened over twenty checking and savings accounts across the country, in numerous states. They hacked our personal checking and savings accounts, made test deposits of less than a dollar, then proceeded to make withdrawals. '' I have successfully resolved closing all accounts, except for the five fraudulently opened Discover accounts below : XXXX XXXX XXXX XXXX I have contacted Discover numerous times in the past 2+ years. I have been assured they would be closed. I just received statements for XX/XX/XXXX thru XX/XX/XXXX. The total value is {$2.00}. The risk is more fraud. I request help getting Discover to delete these accounts. 
I can provide more documentation.
Consumer complaint received 2018-12-21
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)

At XXXX XXXX request I am submitting documentation affirming the delinquency posted for this account incorrect and a has had a negative impact in my credit bureau postings. This demonstrates delinquencies in fact have been updated ON XXXX  report as of last XXXX for an account that has been paid off. This dropped my XXXX  score 36 points from XXXX to XXXX as documented in the attachment I am asking all credit bureaus be updated with the correct information as stated in XXXX XXXX Response to CFPB XXXX : Stating they sent the customer a letter advising that our records reflect the account charged off on XX/XX/14 and was settled for less than the full balance on XX/XX/14, which is the same information we are reporting to the credit reporting agencies. We request the customer provide us with a current copy of their XXXX credit report reflecting delinquencies in the past 12 months which has been pasted in to my attachment
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (IA)

My Venmo account was frozen on XX/XX/year>. I was told I would receive a second email telling me why but I never got one. I provided them with a picture of my state issued drivers license through the upload link they provided. After doing this I received no confirmation or possible timeline for resolution. Since then I have contacted customer service via email, in app chat, phone call, and XXXX to try and figure out 1. Why it happened in the first place, I have yet to find out 2. How to resolve the issue. First I was told I would receive an email with what further information they needed from me, which I never got. Everyone I talk to tells me they cant tell me anything and that a higher team is looking at it but they dont have access to those records. They have not or can not provide me with any sort of direct communication channel with this higher team. I spoke with someone on the phone who told me 3-5 business days and that I would hear something no later than XX/XX/year>. I never heard anything so today XX/XX/year> I contacted customer service via the chat help in the app and the first person told me literally nothing and then ended the chat, the second person told me they couldnt help me and the XXXX day timeline that has already come and gone. Theyre holding my money hostage for a reason I do not know because they will not tell me and they are offering XXXX options for resolution. As far as I can tell theyre just trying to steal the funds in my account. Also the only feature allowed to me via Venmo service currently is they for some reason will let me continue to receive money even though they wont let me access it which seems incredibly suspicious to me. 

I can forward any chat transcripts they sent to me via email. I dont see anyway to export them as documents to attach and send
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2019 I transferred {$500.00} from my PayPal account to my bank account, The transfer never came through, I called my bank and they have no record of seeing the transfer so I checked with PayPal and it shows Pending, I called on XX/XX/2019 and got the run around, According to PayPal, Im the XXXX customer to have a problem with a transfer that day. 
I gave them almost a week to sort it out, I called XX/XX/2019 and they still have no explanation, and no way to resolve the problem, I asked to speak with a Supervisor and I get the same run around, no one knows how to fix the issue, or what the issue is, I asked them to put the money back into my PayPal account/cancel the transfer, they refuse to do anything at all. They wont even transfer me to the fraud department so I can try and resolve this.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am so tired knowing that my concern was not attended by Experian!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NV)

I have submitted two CFPB complaints thus far for this issue both times Mr. Cooper thinks they have explained away the problem. I will now be attaching THEIR response stating THEIR records show me as paid in full and not late in XXXX. I will also be attaching a screen shot of my credit report where THEY reported me as 30 days late that month. 

If they have admitted that I was paid in full that month, why did they report me as 30 days late? If they made that mistake, isn't it possible they could have made the other, like I continue to say. I would like a letter of deletion for the month on XX/XX/2017 that they have now admitted in writing is an error on their part. I will continue to file complaints and have hired an attorney because companies shouldn't be able to treat XXXX XXXX   XXXX recipient veterans this way.
Consumer complaint received 2023-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On the afternoon of XX/XX/, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail bombing, while something more sinister is happening behind the scenes. Later in the evening I received a text alert from XXXX asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( XXXX ) unauthorized transactions to XXXX. I immediately called XXXX and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. XXXX assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called XXXX on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, PayPal. XXXX said that I needed to contact PayPal and seek a resolution about getting my funds returned. I called PayPal on three different occasions, each time speaking to different people, and each time I gave them all the information from the XXXX transactions. PayPal kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to XXXX. Basically I was being ping-ponged back and forth from PayPal to XXXX and vice-versa. I can not understand why PayPal says that they have no records of the transactions because from all indications PayPal was the recipient of the 18 transactions. In all there were 25 transactions to PayPal at the time when the incident was occurring. Four of those were rejected and three cancelled. While speaking to the last XXXX fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( PayPal ) and verify the transactions. When I called PayPal there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, XXXX tells me that they transferred the money and they have the proof of payment receipts to show it but it seems like the onus is now on me to figure out where it went.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (GA)

This account just popped up on my credit and had a devastating effect on my credit, the collection is for the creditor XXXX and i don't even use XXXX as my carrier. 
it appeared in XX/XX/2020 in the amount of {$1200.00}. i am stating unequivocally that i had nothing to do with this account or XXXX
Consumer complaint received 2022-09-15
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TMAGNUSONE Inc (TX)

I signed up for a loan forgiveness program with a company named XXXX but somehow XXXX got my information and pretended to be working along side XXXX to keep my student loans in good standing but I found out that this was not true. XXXX serviced my loans all this time for free. The company XXXX   XXXX has been taking XXXX out of my account since XX/XX/2017 and they charged a 1 time setup fee of {$490.00}. They lied the whole time and I never authorized the payments of XXXX a month. When I called to confront them they only agreed to reimburse 3 months of monthly payments even though they admitted that I did not sign a authorization. Since the committed fraud I would like all my money back. The total left is {$1200.00}.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX someone somehow was able to withdraw {$900.00} from my EDD Bank of America debit card. I discovered this on XX/XX/XXXX while talking to a bank rep. We canceled the card immediately, I then filed a claim with fraud team. I also filed a police report with XXXX XXXX XXXX CA. I am very stressed out, I have received no follow ups by email as the bank said they would, not even a auto generated email with the details of my claim # XXXX BofA, please help me to get my money
Consumer complaint received 2023-03-10
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)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TN)

1. On XX/XX/XXXX Respondent XXXX  XXXX, an apartment complex, transmitted a move-out statement showing a purported debt of {$4800.00} for rents, fees, etc. purportedly owed for XXXX and XX/XX/XXXX. 

2. On XX/XX/XXXX Complainant, an individual, disputed and denied the validity, amounts, dates, reasons, and objectively false representations contained therein, in totality, in writing. Prior, on XX/XX/XXXX the Complainant fully and absolutely vacated and relinquished the leased premises, without further access thereto, surrendering possession to XXXX XXXX. 

3. On XX/XX/XXXX [ Second Notice ], ( i ) XX/XX/XXXX [ Third Notice ], ( ii ) XX/XX/XXXX [ Fourth Notice ], and ( iii ) XX/XX/XXXX [ Final Notice ] XXXX XXXX attempted to extort {$4800.00} from the undersigned using ( i ) maliciously invented, invalid debts without factual or legal basis, ( ii ) objectively, provably false and unreasonable representations of the undersigneds prior tenancy ending on XX/XX/XXXX, and ( iii ) explicit threats of abuse of legal process, malicious prosecution, and corrupt influence of judicial proceedings. 

4. On or about XX/XX/XXXX, Respondent XXXX XXXX directed it's debt collection agent, Hunter Warfield , Inc., to initiate collection activities to obtain the unlawful debt. The Complainant exercised his rights under the Fair Debt Collection Practices Act. This complaint follows.
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MD)

I ordered a copy of my credit report and noticed this company trying to collect on a membership that was canceled. I signed up for a gym membership and realized that I could not afford to continue to pay for something that was not in use. I called up the gym and let them know that I was no longer interested and did not expect to have a problem since I was not under contract. The woman I spoke with told me to come in and cancel and bring a letter stating the reason and I did that. I only visited the gym 2 times during the first month of sign up. This is an unfair and deceptive practice. They can search their records to corroborate information. I will NEVER us XXXX XXXX XXXX again because of this and I plan to advertise my experience. Lastly, I am not sure what information was used to even have them be able to add a debt not owed to my credit file.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (VA)

Phoenix Financial Services LLC attempted to collect a debt from me that is not mine. This was noticed when a negative account popped up on my credit report monitoring. I immediately called Phoenix Financial Services LLC to find out what this could be as I do not have a balance of XXXX owed to anyone. It quickly became apparent that this is not my debt, and this is another person with a very similar name. it is assumed it was identity theft but now I think it could be t certain it could be a mistake made by the debt collection agency. They will not provide the documentation I need to file a police report. This has been going on for 3 weeks. It has hit my credit report with a significant decrease in my credit score. This mistake /issue is impacting me personally and I can not get them to cooperate so I can file the police report. They have not been helpful at all. I need this resolved and need this off of my credit. It is not my debt and they are very rude to me. I feel like I can not get anywhere with them. 
I am a responsible consumer and I pay my debt, as can be noted by my credit history.
Consumer complaint received 2020-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have contact XXXX XXXX and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.
Consumer complaint received 2018-12-21
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (IN)

I have consulted with attorney regarding medical hardship. Submitted several court XXXX documents and letter. Company is fully aware. XXXX treatments failed. Can no longer pay debts. Have no collateral, etc. Attorney directed me to send documents so options are available for company to write off debt due to medical hardship. Company still showing late payments. Never was late, always paid my debts. No one asks for XXXX. Asking for info be removed from credit report.
Consumer complaint received 2023-03-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (PA)

Vital recovery services has called and texted me multiple times per day including early mornings on weekends. Service rep refuses to describe what debt is owed and in what amount. I check my credit reports regularly and I have no outstanding debts and am not in collections status with any financial service or vendor. These attempts to collect a debt are fraudulent and meet the legal definition of harassment in addition to violating several statutes of the consumer protection act.