davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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. (FL)

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 XXXX # XXXX, Account name : 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 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 2019-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/19 I created a Venmo acocunt to send my son ( XXXX XXXX ) {$43.00} that I owed him. The funds immediately showed up in his Venmo account. As soon as I sent the money though I received an email that my account was frozen as did XXXX. In communication with customer service I was asked to send a bank statement and my ID which I did, including a picture of me holding my ID. On XX/XX/19 about 10 minutes after submitting my ID & bank statement I received an email from XXXX XXXX of Venmo that stated my account was deactivated. Further " Please note that the funds held in your balance have been flagged for investigation and will be held for up to 180 days for loss prevention purposes. Should these funds be available for transfer at that time we will reach out to you directly. '' Even though the money was instantly sent to my son 's account his account was frozen so he was unable to access the funds that I sent. Two days later the {$43.00} that I paid my son was removed from his Venmo account and transferred back to mine. I used a Visa debit card with Venmo. I have no idea why my account was deactivated, furthermore I do not see why they would hold on to my {$43.00}. As of XX/XX/19 at XXXX they are still holding my money. I am the one that made a profile for Venmo on XX/XX/19 & set up & approved this transfer to my son. I contacted the Federal Trade Commission, the fraud department of XXXX XXXX, the XXXX   XXXX XXXX and the XXXX  XXXX XXXX XXXX. By Venmo transferring the money to my son and taking it back and then putting it in my online Venmo balance but not allowing me to access it I consider it fraud by Venmo.
Consumer complaint received 2020-11-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Resolution Group, LLC (CA)

This company has engaged in intimidation tactics and harassment, as well as violating the Fair Debt Collection Practices Act. 

They started contacting me on XX/XX/XXXX using a 3rd party called XXXX XXXX XXXX. This 3rd party contacted my brother as well on this day. Both messages mentioned that a civil suit was scheduled to be issued in XXXX county. Asking me to contact Global Resolution Services. 

XXXX XXXX XXXX contacted again on XX/XX/XXXX asking me to get contact Global Resolution Services regarding a pending civil suit scheduled to be filed out to XXXX county. 

The advocate program, I'm assuming another 3rd party contacted me on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through tomorrow. They asked me to contact Global Resolution Services. My brother was contacted again and my mother was contacted for the first time. 

The advocate program contacted again on XX/XX/XXXX for an upcoming appearance in XXXX county. They apologized and said the suit is still going through Monday morning. They asked me to contact Global Resolution Services. 

Global and associate, I'm assuming is Global Resolution Services contacted me on XXXX for a case that their office is handling that is pending litigation. If they didn't hear from me by end of day they would mark as an intentional refusal to comply. If I refuse to contest the allegations a default judgement will be filed without my consent. They contacted my brother again, my mother again, and my father. My mother did answer this call to ask them to stop calling and they discussed details of the alleged debt with my mother. 

This company has shown a pattern of intimidation by threatening litigation and a cilvil suit for over 2 months. This has caused me emotional distress. 

They have violated the Fair Debt Collection Practices Act by contacting my family members multiple times and discussing details of the alleged debt with my family. 

Cease and desist is being mailed out XXXX.
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America places 4 business days hold on a deposit I made at one of their ATMs. Contacted customer service they cant provide an explanation, they keep saying the funds are not available because house will not release. I made a second deposit on the account on the atm receipt it says there will be a hold for 7 business days because the check will likely be bounced.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Balance owed at XX/XX/2019 of {$55.00} Made two payments on XX/XX/2019 : {$55.00} and {$1.00} ; resulting in a credit balance of {$1.00}. Interest charge on next statement of {$1.00} brought balance to {$0.00}. But issuer/merchant refused to accept that full balance owed was satisfied.
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. (NJ)

As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/18 TransUnion refused to let me dispute a hard inquiry. TransUnion said that inquirys stay on my credit report forever. I told them I had inquirys removed in the past and the TransUnion rep hung up in my face!
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Franklin Collection Service, Inc. (GA)

FRANKLIN COLLECTION never mail a collection letter. Also, the company place a collection trade mark to all my credit reports. Refuse to validate the trademark.

FRANKLIN COLLECTION SV Original creditor : XXXX XXXX Amount : {$180.00}
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (NC)

I previously sent two update letters to XXXX, Experian, and XXXX to update my personal information. I sent them two letters repeatedly asking them to remove the old, outdated addresses, phone numbers, and work information. Some of the information on my credit report is for addresses where I have never lived. They never removed the address and work location, so now I am filing a complaint against all three bureaus for not removing the old, outdated information, and the credit bureaus are not reporting 100 % accurate information, which is also against the law.
Consumer complaint received 2019-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

We submitted a mortgage assistance packet to Rushmore mortgages for a loan modification and was denied based on my credit & says that I have insufficient income. The denial based on my credit does not specify a reason so its unknown and I have no way of defending my self on this, but the denial based on my income is incorrect I am a taxi driver so my income fluctuates every week or daily and I feel its unfair they based their decision on a lower amount instead of looking at the whole year and determining what my average income is. If they would have used my average income I could have easily qualified. It's very unfair that I may lose my home due to someones bad mathematics
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 — Account status incorrect
Company: WELLS FARGO & COMPANY (WV)

XX/XX/XXXX, i opened a retail account to purchase a hot tub for {$8400.00}. After regular payments and decreasing the balance within {$5000.00}, i made a {$5000.00} payment on XX/XX/XXXX. Then was reported for 30 days late for XXXX payment. Come to find out that the XXXX payment i made for {$5000.00} was included in the XXXX billing cycle since it was made on XX/XX/XXXX. the very next day, XX/XX/XXXX started the XXXX billing cycle. 1 day difference caused a XXXX late notice on my credit report. Then there was a {$330.00} balance left on the account. I made a {$100.00} payment on XX/XX/XXXX and a {$100.00} payment on XX/XX/XXXX, Wells Fargo again reported me to the credit bureaus for late payments. Then on XX/XX/XXXX, I paid {$100.00} and XXXX XXXX {$30.00} which completely paid the account off before the XXXX due date of XX/XX/XXXX. Now i have late notices on my credit report for XXXX, XXXX, XXXX, and XX/XX/XXXX. This has dropped my score by almost XXXX points and i no longer qualify to purchase the home i just had built and i am homeless as i sold my previous house. It is not like i did not make payments, I paid off in under a year, or didnt attempt to pay the remaining balance. Most of it seems to be a timing issue of literally 1 day here and 1 day there. This has had such a horrible adverse effect!
Consumer complaint received 2020-08-01
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

I experienced a loss of income due to job loss XX/XX/XXXX. Consequently I paid my Morgage payments late from XX/XX/XXXX to XX/XX/XXXX. 
The Morgage company has reported the payments as late and my credit score has decreased. 
Now I cant get access to additional credit tools to better my financial situation.
Consumer complaint received 2019-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (VA)

When I signed up for freedom debt relief in XXXX of XXXX with my payments beginning draft in XX/XX/XXXX, I was told settlement fees would only be taken AFTER each account is settled AND paid in full. I had three accounts with freedom showing paid in full at the termination of my program in XX/XX/XXXX. Upon further inspection freedom did not pay off any of these accounts in full yet they charged settlement fees. Now freedom is denying this was said or implied, just as they did with their previous lawsuits ( of the many reasons for their suit filed in XX/XX/XXXX : deceives consumers about the extent of their services and deceives consumers about its fees. ) I have since discovered they lied about being better business bureau affiliated. They actually have a b- rating due to multiple complaints and government actions ( aka lawsuits ) against them. I have tried explaining to freedom all the troubles they have caused me ( just as in previous lawsuits against them ) they caused me further credit delinquency and have caused me to accrue more debt due to fees and their lack of follow through. When I was in email conversation with XXXX XXXX XXXX, a reputation management specialist, she advised since I signed the contract I was entitled to no further action up to and including a full refund due to their negligence in upholding their end of our contract. .She would not hear me out, not even to consider a partial refund. She then exchanged a snarky email with her supervisor and had a copy sent to me. She lied about these lawsuits and said they were settled in XXXX when in fact they were settled in XX/XX/XXXX. This company took {$1900.00} of my hard earned money and paid less than {$330.00} of my debt while taking astronomical fees for their settlements. Also once I complained, XXXX XXXX was able to produce a settlement agreement with XXXX  and XXXX, and a memo of my financial ledger ( which I have never seen. I believe this would fall under deceives in general ). I also advised XXXX XXXX I preferred email contact as I work nights for my local XXXX agency yet she continued to call me, more proof freedom doesnt listen to her clients or previous clients as in this case. She also advised through better business bureau that the matter is resolved and it is far from resolved. 
Id love to provide all of our email exchanges as well as screenshots of my account with freedom debt relief. I also have print out of others complaining on bbb and also reporting them as scam artists.
Consumer complaint received 2019-09-11
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: World Acceptance Corporation (TX)

I submitted a dispute to the 3 National Credit Bureaus and they submitted it to the lender incorrectly. I submiitted a dispute because Im an Identity Theft victim. The following account was fraudulently opened in my name : World Finance Co. 
Opened : XX/XX/XXXX ( Amount : {$330.00} ) World Acceptance Co. 
Opened : XX/XX/XXXX ( Amount {$330.00} ) Note : They are the same account. 

The following accounts in which I DID NOT dispute, were put under investigation, even though they belongs to me and I have never ask them to dispute these accounts. If you review the Fraud packet Im sending you, you will clearly see what accounts I disputed. The following accounts belongs to me and should have never been put under investigation : World Finance Co Opened : XX/XX/XXXX ( Amount. {$220.00} ) World Finance Co. 
Opened Date : XX/XX/XXXX ( Amount. {$220.00} ) World Acceptance Co. 
Date Opened : XX/XX/XXXX ( Amount. {$220.00} ) I don't believe it was intentionally done, but I would like the problem rectified.
Consumer complaint received 2019-09-11
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. (NV)

I would like to file a complaint against Equifax, XXXX and XXXX   regarding XXXX College. I have disputed this account several times as well as asked them to provide proof that this account was mine. On my credit report it states under the comments, " Debt included in or discharged through Bankruptcy Chapter XXXX. '' I would like for Equifax, XXXX and XXXX to provide me with proof that they received evidence of this account. I have sent letters to XXXX as well as disputed with the credit reporting agencies. XXXX never responded to my complaints and the credit reporting agencies claimed they were verified but never provided me with proof. The high amount it states is {$2500.00}. It currently states a XXXX  balance but I want proof of the account or I want it removed from my report.
Consumer complaint received 2020-08-01
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. (NJ)

I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (CA)

Citibank allowed the passport agency of the US Department of State to cash the same check twice. Check number XXXX in the amount of {$130.00} was cashed twice on XX/XX/2022 and XX/XX/2022. 

I submitted a passport application to the passport agency in early XXXX this year but got returned due to the passport photo containing glasses. They cashed the check despite not processing my application. Then I submitted the same application with the correct photo without a check but they cashed the same check a second time.
Consumer complaint received 2019-09-11
Product: Credit card or prepaid 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: WELLS FARGO & COMPANY (VA)

I made a reservation a car rental from XX/XX/2019 to XX/XX/2019 in Washington DC XXXX XXXX through the third part XXXX. [ My booking number is # XXXX ] I did NOT make a reservation directly from XXXX car rental. 

My price for this rental was XXXX {$210.00}. My Wells Fargo debit/credit card was only charged {$210.00} and the difference was charged at the XXXX XXXX desk with my different credit card when I got a car in XX/XX/2019. 

Initially, I have made a reservation on XX/XX/XXXX through XXXX. XXXX did not take my Wells Fargo debit/credit card when I was in XX/XX/XXXX around XXXX XXXX. The reason was they take only the major credit card. [ I was not very happy with their customer service. ] I went back to home and got a rental car the next day in XX/XX/2019 early morning around XXXX. 

Smelling inside of the car was not horribly bad when I just got in the car. But, I asked them to have another car, but I was told that another car is the upgraded car / different price so I could not get another car. 
Bad smell from the car was very unpleasant to deal with when I was driving and especially when the air conditioner was turn on. I was going to exchange to another car if I see other locations XXXX rental car on the way driving ; however, I could not find any other locations. Eventually, I had to stop by the store to get an air fresh for the car. 

I called the website in XX/XX/2019, where I have booked a reservation for the car and complained about it. I asked them to have credit the money back to my account for unsatisfied service. They told me that I needed to call XXXX directly about the issue. 

I called XXXX in XX/XX/2019 but I was told the same thing that I needed to call the website where I have booked it. I called them but, they have rejected my complaint. 

I called XXXX and they have promised me to give free coupons instead of refunding the money. I was told it take 7 days to process to get a promo code to use but I have never received the promo code and have called them so many times. I was told the same things over and over again. 

I am disputing the charge was they ( XXXX ) have not promised why they told me to do so. 

Wells Fargo has sent a letter to provide more information about the issue and I need to respond by XX/XX/XXXX which I just got the letter from them in XX/XX/XXXX when I get home late night. I have not had a change to call because it was too late to call and they closed. 
I called them the next day, XX/XX/XXXX about my claim. I was told a provisional credit of {$210.00} would reverse. 
They have not even given enough time to me to provide my situation to resolve the issue. 
It was not fair to me and they do not consider their customer. 
For that reason, I would like to report a satisfaction service that provided to me.