davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Hello! I think I got scammed on Venmo ( https : //venmo.com/ ). Here is what happened : 1. On XXXX XXXX, 2021, at XXXX XXXX I received a transaction of {$570.00} from someone named XXXX XXXX XXXX whom I do not know at all. Moreover, I did not receive any email or text notification from Venmo about this transaction. 

2. On XXXX XXXX, 2021, at XXXX XXXX an amount of {$570.00} money was transferred from my Venmo account to a XXXX, XXXX XXXX Personal Checking account ending with XXXX. This checking account does not belong to me and I do not know whose account it is. It was not added to my Venmo account before. Moreover, this transaction was done without my authorization. Again, I did not receive any email or text notification from Venmo about this transaction. 

XXXX. On XXXX XXXX, 2021, at XXXX XXXX XXXX XXXX XXXX disputed the first transaction and Venmo approved his/her dispute. I received an email from Venmo about this dispute on XXXX XXXX, 2021, at XXXX XXXX. 

Now the result is I own Venmo {$570.00} and my Venmo account was frozen. 

I disputed the second transaction to Venmo and explained to them that this transaction is unauthorized, but they denied my request. 

I also emailed Venmo and explained what happened to me many times, and asked them to investigate these transactions, but they were not able to solve my issue.
Consumer complaint received 2018-11-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cascade Capital, LLC (TX)

Cascade capital LLC has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
Consumer complaint received 2018-11-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (TX)

Hello, I have been trying to get my plan lowered. I initially mailed the documentation with all of the questions answered proof of income etc. Two months ago and per Nelnet I did not sign the documents. So Nelenet send me an email telling me this and sends the documents back prefilled and tells me I just need to sign and return. I did this the same day. I was under the assumption the documentation from the first round combined with the signature from the second round would be sufficient to process my request. 

So today I get another email from them saying now I need to answered the questions again which I have already one on two different occasions. So keep in mind I am sending this request because I can't afford the payments and each time they are telling me to wait it is ok please give them 15-20 days to respond. Keep in mind they report items after a certain time frame. 

One would assume that once they receive all documents it would be processed because I meet the requirements. Returned the documents twice. Now a third time and not only has this not been processed but also they have hit my credit report with a 90 day delinquency. Which in my opinion if you are sending the documents. I am complying with their requests my account should not be reported until this is resolved. 

So not only have you not processed my request but made my credit score take a hit and that is not fair on my end when I have complied and sent back the info.
Consumer complaint received 2022-04-10
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. (TX)

In the Past 6 months i have disputed multiple times a couple accounts with Experian. Experian continues to send me Stall letters saying that the disputes are not from me when in fact they are from myself personally. it is against the CFPB to not provide proper means of verification when asked by a consumer. There are many deviations according to the standards set forth by XXXX XXXX that are not being followed for this reporting of the following accounts. I demand that these accounts be removed immediately from my credit report as Experian has had more that ample time to verify but chose to send stall letters out instead. My drivers license and proof of residence has been summitted many times to prove it was me. and i am sending this complaint as myself and writing this myself as well. Please handle accordingly and remove the following Accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX. XXXX XXXX XXXX. XXXX
Consumer complaint received 2021-12-05
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: Dynamic Recovery Solutions, LLC (AL)

Dynamic Recovery Solutions LLC placed an inaccurate collection from XXXX XXXX on my XXXX credit report. I do not have an account with XXXX XXXX. I never opened an account with XXXX XXXX on XX/XX/2021. Neither company can give me an explanation on the collection. This inaccurate information needs to be removed immediately. This is not my collection.
Consumer complaint received 2021-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

XX/XX/XXXX I learned that my credit card account was closed by the company and that this reduced my credit score by XXXX XXXX while I was in the middle of applying for a mortgage for which my credit score was vital ; this can potentially result in my mortgage application being rejected or my suffering thousands of dollars in extra interest payments due to higher interest rates. 

I called the credit card company and they claimed they closed the account on XX/XX/XXXX because they had returned mail because I had moved. It does not make sense that they did not have my correct address because I had updated my address in XXXX for the brokerage account for which this credit card is linked. It is complete incompetence on their part not having the correct address and they are not taking any responsibility for the damages or doing anything to remedy it.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (TX)

I attempted to transfer a {$10000.00} balance from American Express to my XXXX XXXX  MasterCard. 
XXXX claims they sent an electronic check on XX/XX/2021. American Express claims they never received it. 

I am now stuck in the XXXX that is both banks think I owe them $ XXXX ( each, essentially doubling the debt I actually owe ) - with neither one of these financial companies actually trying to find out what happened to the money!
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 16 U.S.C 1681 section 6021. 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 2020-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE
Consumer complaint received 2018-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (FL)

I had medicaid and they keep sending me letters and i called and told them i had medicaid and XXXX XXXX XXXX any time i went to dr or hospital, so maybe someone else used my identity and didnt have my medicaid info, ,and i am getting charged,,, ,my sister and i were close in age she is deceased now but had to go to hospital alot ... .she died from XXXX last year but she may have went as me,,, not saying for sure but i should not be responsible when i had gov insurance to pay it,,,,,
Consumer complaint received 2023-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2023, there were a series of three XXXX withdrawals from my checking accounting with Wells Fargo. These three withdrawals totaled {$3000.00} and were not authorized by me, and were fradualent attacks on my account. I have tried numerous times to get this issue resolved by Wells Fargo and have my money refunded into the account with no luck, and them stating that their research showed the transactions were made through a secure online banking through me or someone who had my authority. This is absolutely not true and far from the truth - someone has stolen {$3000.00} from my account and for some reason Wells Fargo won't do anything about this. I did not authorize these transactions and someone has made off with {$3000.00} with no further action from the bank. I don't really understand how these transactions could be authorized by Wells Fargo and I would like my account to be credited back for the {$3000.00}.
Consumer complaint received 2021-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (OH)

I never received my statement last month so I called them to send another they did three days later still had two weeks to get to them not processed until I asked about two more times they then found my payment the day after it was late!! I kept telling them not to put a late fee on it they tried to force me to pay online or phone but I had sent the check and would have been overdrawn at my bank they said ok no late fee kept pushing to pay online I sent my XXXX payment same day and they got their payment in three days this took two weeks and charged me a late fee and shows on my credit refused to fix it and this month didnt get my statement until XXXX/XXXX/2030 they refuse to work with me and are ruining my credit and charging me late fees pushing me to pay online I have names of who I talked to dates etc using the excuse its the post office everytime funny XXXX got their payment in three days
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX SSN # XXXX To : Equifax, XXXX, and XXXX. 

I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX XXXX XXXX because is the Account Status section of this listing. XXXX is reporting that it is a Open Account. However, Equifax and XXXX is reporting that this account is Closed?!? Please Delete!
Consumer complaint received 2024-02-06
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: Experian Information Solutions Inc. (SC)

On XX/XX/2024, I received a Credit Report Alert from my online XXXX XXXX XXXX provided by XXXX XXXX. This alert was sent because someone had made an unauthorized Credit Report Inquiry to Experian for a credit card application that I knew nothing about and had NOT requested. 

When I contacted Experian about this unauthorized credit report inquiry I was informed that XXXX XXXX had made the request - without my knowledge. However, this unauthorized request resulted in my Credit Rating taking a XXXX hit, but Experian assured me that no credit card was being issued and that my credit score would be corrected/ restored to its previous " Excellent '' rating. 

On XX/XX/2024, I received a letter from XXXX XXXX requesting additional information that was required before they could approve my ( XXXX ) credit card request. Reference Number : XXXX. XXXX XXXX wanted the following three ( 3 ) documents : 1. Proof of current physical address ; 2. Proof of Date of Birth ; and, 3. A copy of the letter ( referenced here ). 

On XX/XX/2024, I called XXXX, the phone number referenced in their XX/XX/XXXX letter, and I spoke with " XXXX '' who told me that my ( BOGUS ) credit card request was being canceled and that he would alert their Fraud Dept. to investigate how this ( XXXX ) request had been initiated, and by whom. He further stated that I would receive a response from XXXX XXXX XXXX XXXX. within XXXX ( XXXX ) days. After this discussion I ended our call by telling " XXXX '' that I was going to contact the Consumer Financial Protection Agency and report them for requesting and accessing my credit report unlawfully.

I know this is a lengthy response, but I do appreciate someone taking the time to read and act on this complaint as there may be XXXX more who are being targeted and having their credit scores lowered by these unlawful credit report requests. 

Thanks you!
Consumer complaint received 2021-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BLINCLOANS, INC. (MD)

I would like to file a complaint against XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. The complaint is in reference to XXXX failure to credit payment to my account in a timely manner as the delay may result in additional finance or other unnecessary fees. 

On XX/XX/2021, I received an installment loan in the amount of {$2000.00} from XXXX. The terms of the loan agreement require repayment bi-weekly by payroll allotment in the amount of {$89.00} with payments beginning on XX/XX/2021. 

XXXX XXXX XXXX received the first payment on XX/XX/2021 as shown in the payment history ( Attachment XXXX ). Payment was received before the due date because my employer provided the allotment early due to the XXXX XXXX XXXX on XX/XX/2021. 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was not showing in my account payment history. I was advised that my payment had been received, but likely had not posted yet due to the holiday ( Attachment 2 ). 

On the same day of XX/XX/XXXX after receiving confirmation of receipt of my payment, I received an email from XXXX XXXX, Retention Manager at XXXX that my XX/XX/2021 payment had not been received ; and furthermore, that OneBlincs grace period for credit report is ending and that I should make a payment to prevent any interruption in OneBlinc perks and/or fees. ( Attachment 3 ). 

On XX/XX/2021, I contacted XXXX, customer service representative at XXXX by chat to inquire about the XX/XX/2021 payment/allotment that was still not showing in my account payment history and also the email I received from XXXX XXXX XXXX I was informed that the payment had not posted and the email received regarding the missed payment was likely sent to me prematurely. ( Attachment 4 ). As of XX/XX/2021, XXXX has not provided an explanation why my payment has yet to be posted or updated my account information to reflect the XX/XX/2021 payment.
Consumer complaint received 2018-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

Back in XX/XX/XXXX. I paid my minimum due on my card at the time I was on XXXX and my money didn't hit the bank on time so therefore my check was returned twice. Walmart then closed my account. I called spoke to an account manager on XX/XX/XXXX. She advised me that if I made 2 consecutive payments on time they would reopen the account. Since then I have made more then two payments on time. And will be paying off the account on XX/XX/XXXX. I called yesterday XX/XX/XXXX and spoke to another account manager to see why they had not reopened my account her name was XXXX ID # XXXX and she stated she doesn't know why the account manager would tell me that and she would not honor that. How sad that this company doesn't stand true to their word.
Consumer complaint received 2018-11-28
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: Nelnet, Inc. (MD)

I've been in contact with Nelnet since XX/XX/2018 due to the incorrect reporting of my loan structure and misinformation during the time of my loan setup. 
The first issue is my loan is being reported on my credit as three separate loans based on disbursement when the online Nelnet website two balances. Group A and Group B ( Which you would think means 2 loans ) However, after missing 6 months of payments which I thought would only be 6 missed payments- I've now received 18 missed payments for those 6 months and I was never told that I had three loans. Online it actually only shows that I have two groups ; meaning two loans. I was never told that my one payment was being dispersed to three different loans and If I missed one payment I would miss a total of three because I thought that If I was paying off three accounts I would have three payments coming from my card and not one.
Consumer complaint received 2022-04-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I personally mailed in my dispute letter with my information certified and they have denied it because they believe that it did not come from me. They believe I am using a third party credit repair company which I am not. This morning I called Transunion to see how I can rectify the matter and I was told that its been denied and I explained to them that the letter came from me directly that I am not using no repair service I asked what my letter was missing since I was going to mail it back in they told me that they could not give me that information and that I can process the dispute online or on the phone which clearly that is not what I want to do. I asked for a supervisor which will get back to me 3-5 days I spent money and time to get these letter written up only for them to denied it because they believe it did not come from me and when I called to ask exactly why and what is missing from my letter for them to believe it did not come from me they could not answer me I am trying to dispute incorrect information on my credit from 2 XXXX XXXXXXXX accounts that are not correct with factual errors and I am requesting for it to be deleted. I also would like to add that the representative that I spoke to hung up on me. I have pictures and proof of the letters I mailed in if needed Might I add Transunion let a debt collector add a collection debt which did not belong to me from XXXX which originally was from XXXX. When I spoke to XXXX they confirmed and removed the collection because they stated my social security had no affiliation and it should have never been put on my credit file obviously Transunion is not verifying and confirming my information and let this collection debt company go on my file and now I see other factual errors which need to be addressed and fixed I do not trust Transunion
Consumer complaint received 2022-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with Fair Credit Reporting Act. The list of account below has violated my federally protected consumer rights to " Accuracy and Fairness of Credit reporting '' under 15 U.S. Code 1681 ( a ), ( 1 ), ( 4 ), and Compliance and Procedures under 15 U.S. Code 1681e ( b ). 

XXXX XXXX XXXX XXXX Account # Has violated my rights XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Has violated my rights Accounts # XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX Has violated my rights XXXX. No Account # was posted
Consumer complaint received 2022-06-12
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. (OH)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 16 U.S.C 1681 section 6021. 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