davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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: Paypal Holdings, Inc (CA)

Venmo issued a MasterCard debit card. I use Venmo for business and transfer those funds onto the debit card. At first I used it strictly to withdraw cash, ultimately using for purchases. XX/XX/2023, I used it for a deposit st a local hotel/resort for {$100.00}. First, they do not designate the name of the facility and I couldn't figure out why it only happened for this charge but I quickly found out. 

Using their user agreement as justification, Venmo intentionally labeled the charge Hotel so when the resort submitted the final billing for settlement 2 days later and it registered XXXX the statement by the name of the resort, they did not marry it to the {$100.00} hold. After multiple attempts to have my funds released they REFUSED EVEN Though IT WAS SETTLED AND THE RESORT SENT COMMUNICATION STATING AS MUCH. Reps verified it was settled because they referenced the final amount submitted ( which I could not see posted ) and said they could not release the funds. I was repeatedly told to refer me to the user agreement that states they have a right to keep my money for 30 days. Guess what 30 days has come and gone and they refuse to release my funds. 

Now, they say it's a technical issue, their technical team is aware and they will email me " whenever '' they have information. No timeline..just, they will not give me my money back. Reps say they will escalate but no one contacts me. I'm pretty sure this is illegal. If it isn't, it should be. It's been 33 days since this charge was settled and Venmo after at least 8 requests have refused to refund me my money. 

Concerned, I checked and discovered Venmo has a business practice of not taking the merchant amount when submitted, claiming they can hold the money for 30 days then claiming technical errors hoping you just go away. They are thieves. If you dont ask for holds to be released, they steal it without you knowing and if you ask for it back they claim technical issues Do not use Venmo debit card. I hope they are investigated for these activities and the Venmo platform is exposed for fleecing it's customers..
Consumer complaint received 2018-09-04
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. (CA)

XXXX XXXX XXXX XXXX promised transportation and housing while I attended school. That never materialized. When I became XXXX   they told me that I could no longer be on XXXX which meant that because of my XXXX I couldn't finish the school no matter if I tried because I wasn't allowed on the XXXX because of insurance. Now they are reporting the payments as in collection when made arrangements to pay the payments. 
They have reported the student loans multiple times.
Consumer complaint received 2022-07-10
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. (GA)

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 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 items 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 2019-01-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have a Foreclosure Lawsuit pending under Mortgage Fraud against Lakeview Loan Servicing LLC., in which is not a licensed Mortgage Company and had their partnership Company known as XXXX  XXXX XXXX to write an Fraudulent Mortgage Agreement/Contract under XXXX XXXX, in which now XXXX XXXX  is now stating that their Company never wrote the so called Mortgage Contract in which these Documents are being Subpoena. Lakeview Loan Servicing LLC. is a scam company and this has to be investigated. I have the evidence to prove this, not only in Court, but with your Bureau as well. Case No. : XXXX is the case number and please contact me at XXXX to talk to me so we can get this investigation started. I can provide your Bureau as much information as you need from Subpoenas to Court Exhibits. 
Please call me. 

Thank you, XXXX XXXX
Consumer complaint received 2018-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (NC)

I Attended XXXX XXXX College of XXXX Nc in XX/XX/XXXX for XXXX  and graduated XX/XX/XXXX. This school has shut down and now I'm stuck with paying loans for a school that has been shut down.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Capital Enterprises, Inc. (CA)

American Capital Ent is collecting for XXXX XXXX XXXX. I have never received any service from XXXX XXXX XXXX. I have never signed up for service that I received. American Capital Enterprises has never contacted me about this or I would have been able to tell them that I disputed the debt. They should have validated whether or not I had the debt or not before they go and just put it on my credit. I am unable to get housing because of it.
Consumer complaint received 2018-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is being sent in response to notices sent to me from " XXXX XXXX '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX/XXXX  as an entity entitled to enforce a commercial claim against me.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (GA)

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 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 items 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 2018-09-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Quality Recovery Services, Inc. (GA)

I repaid the debt for rent in XX/XX/XXXX. Now they're trying to collect liquidated damages -- XX/XX/XXXX. When I submitted proof to the court XX/XX/XXXX that I'd be out of town taking a XXXX XXXX XXXX in California in XX/XX/XXXX, I heard nothing until today, XX/XX/XXXX, I received a letter addressed to my job instead of my XXXX XXXX , which the court had sent notice XX/XX/XXXX, that I am due for trial XX/XX/XXXX. 

I had called the collection agency -- Quality Recovery Services -- what monies did they mean, they told me for liquidated damages for breaking the lease. I explained to them I was a crime victim and the roommate had stolen from me. I had not deliberately broken the lease. Now they're trying to ruin me by dragging me to court again and getting more money. This is abuse of the process. Liquidated damages are for losses, but not to be punitive. When I repaid them through garnishment, not only did they take {$300.00} every two weeks, they lost track of the payments. Fortunately my boss had kept a record. We were almost double charged. I have a real estate license now, and this is affecting my profession and my job. This needs to stop.
Consumer complaint received 2018-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (HI)

I am going to try to consolidate this without get things to confusing. 

As you know I have been similar incidents with you regarding this in florida. 

We recently moved here to XXXX  from XXXX  and XXXX  froze credit. when trying to use card i was told to call in and get card updated. when I went to get card update XXXX  said card could be updated. 

In addition to this, XXXX XXXX informed me that XXXX had sent them a bad credit rating and they need to readjust my application. when I went to check XXXX I could acess account and was not able to use the web site. when I attempted to call again was blocked When we first moved here, we need to use credit report for phone and lights, previously we had to locked reports but report should have been open for two from the date I had initially open them, but when contact the recording agency one was XXXX  for lights, they said account couldn't opened. 

Include in this was another incident with credit union and bank account was open at one and ended up at another ; bank records can easily confirm this. 

Now these two other incidents, so we will need help to address.
Consumer complaint received 2024-03-05
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: EQUIFAX, INC. (OH)

Upon reviewing my consumer report, I have discovered that there are still unauthorized inquiries present. Despite my previous communication with Equifax requesting a reinvestigation, the issue remains unresolved to this day. 

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2019-05-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (TN)

I XXXX XXXX HAS NO CONTRACT WITH THIS COMPANY AND THEY PUT THIS XXXX XXXX XXXX  XXXX XX/XX/2019 ON MY ACCOUNT AND I HAVE INSURANCE AND ALWAYS HAD IT AND THIS DOES NOT SUPPOSED TO BE ON MY CREDIT FILE
Consumer complaint received 2019-05-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (OK)

Hello not sure of the Exact date it was around the first part of XX/XX/XXXX, I received a Call from Chase inquiring about an balance on {$670.00} from an checking account i opened in XXXX. I didn't dispute anything as i knew i owed the charges. I asked the lady if i could counter the amount and pay {$400.00} as a settlement amount. The agent agreed and took my bank and routing number for payment which would of begun immediately. I also received a letter in the mail stating if i pay the {$400.00} by XX/XX/XXXX the account will be consider paid. Payments were to begin immediate and after a few weeks i did not see any charges coming out my account. I called the agent and asked what was going on and we went over the bank and routing number to make sure it was recorded correctly with the agent. She advised me then that they only take certain kinds of checking account numbers from traditional banking accounts as i had given them my information from my prepaid debit card i had with a non bank. The agent advised they couldn't go back and honor the agreement and i was fully responsible for the original charges.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX - Account No. : XXXX XXXX XXXX XXXX Account ending with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. - Account ending with XXXX, XXXX, XXXX, and XXXX XXXX - Account ending with XXXX
Consumer complaint received 2022-07-25
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. (NY)

XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date:XX/XX/XXXX15 U.S.C 1681 section 602 A. I have a right to privacy 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 USC1681. 

XXXX Account # xxxxxxxxxxxx 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 items 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 2018-09-04
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: LEXISNEXIS (AR)

ON XX/XX/2018 I SUBMITTED A SECURITY FREEZE WITH LEXISNEXIS AND I HAVE COPIES OF THE SECURITY FREEZE CONFIRMATION SO SHOW,, SO I DONT KNOW WHY LEXIS NEXIS IS SHARING MY INFORMATION WHEN I HAVE PLACED A FREEZE UNDER MY SSN,,, THEY SHOUDNT BE GIVING OUT ANY INFORMATION ABOUT ME TO NO ONE,, SO WHY IS IT THAT THE 3 CREDIT BUREARS STATING THEY GETTIN INFOMRATION FROM  LEXISNEXIS,,, I ASKED FOR YALL TO FREEZE ON MY FILE,, BUT YET U ARE GIVING XXXX,, XXXX AND XXXX ABOUT ME UNDER MY SSN,,,, I WILL BE FILING A SAMLL CLAIMS
Consumer complaint received 2018-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I tried to get an deferment and was denied I was on time with all payments and trying to keep my credit right and try to prevent getting fees but they was trying to get fees out of me and trying to ruin my credit and I'm tryin but a house they was no help my next step is getting attorney they was rude and not helpful like they just didn't care.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The accounts below need to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-10
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: KEYCORP (AK)

I opened a secured credit card in XXXX with Key bank for XXXX XXXX XXXX the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX XXXX  They list the account as XXXX on the file with XXXX and XXXX and XXXX show a different number. I have disputed this for three years I closed the account in good standing with a XXXX  balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have consistently maintained timely payments for this account, and it is distressing to encounter issues for actions I have not committed. I urgently request the rectification of my account and the removal of any erroneous information that is causing me undue stress.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date : XX/XX/2021 2021
Consumer complaint received 2018-09-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (FL)

In XX/XX/2018, I disputed a collections account with all 3 credit bureaus where Cavalry Portfolio reported that I owe money in the amount of {$1400.00} on behalf of XXXX. As a result Cavalry Portfolio updated my account with a note saying they conducted an investigation and that it met the FCPA along with claiming I made a payment to them which I did not along with my account being past due. I also sent a letter to Cavalry in XX/XX/2018 requesting them to validate the debt which they ignored and just sent me a bill. 

The XXXX account that Cavalry claims I owe money to is not on my credit report. XX/XX/XXXX I contacted XXXX and requested any documentation they may have but was told they did not have any current information where I owe a debt. The last account I had with XXXX was closed out over ten years ago which would exceed the statue of limitations for appearing on my credit report. 

I have not been provided any information to show that I owe this debt and that Cavalry is licensed in the state of Florida to even attempt to collect the debt.