davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

CAPITAL ONE BANK CLOSED MY CHECKING ACCOUNT WITH ONLY AN EMAIL NOTICE AND WOULD NOT GIVE ME A REASON. THEY ARE HOLDING MY FUNDS AND NOT RETURNING MY MONEY TO ME TO THE TUNE OF {$390.00}.
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NH)

I initiated an instant transfer from Venmo on Wednesday, XX/XX/XXXX, XXXX. It was supposed to take 30 minutes, at most. It's now been a week, I've contacted Venmo numerous times. They give me a couple codes to provide to my bank but I've talked to multiple people at the bank 3 times now, and they said they don't know why Venmo would ask me to do that, because they can't legally troubleshoot with a third party, which is what Venmo is. Now the customer support at Venmo is saying they're " sorry they couldn't help me further, '' effectively stealing what little money I have to feed my children, and telling me there's nothing further they can do. This is the second time they've stolen hundreds from me in the last several months.
Consumer complaint received 2019-03-09
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. (KY)

l work hard to keep a good credit history, but for the last few months l can not get the Trans union credit report and the credit card XXXX XXXX XXXX  to up date my monthly payments, now it has been effecting my credit score this is not fare, l have contacted both and slow is the only progress they both say it is the Trans union say XXXX updates certain time, the XXXX say they updated my information on time yet l am losing points and updates are not being in time cause when my credit is updated even after l had make payments it has not show up correct amount, there for it said is why my score is going down, l am at the point l am ready to take legal action
Consumer complaint received 2022-12-14
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. (IL)

this is my second attempt to get this issue resolved, my first complaint was on XX/XX/2022 the complaint number is XXXX. There are collections and inquires on my consumer report from companies that i did not enter into contract with and did not authorize to share my nonpublic information to Transunion and Transunion assembled a consumer report with said information, which according to 18 USC 1028 is fraud. By law Transunion is to exercise its grave responsibilities with fairness, impartiality, and respect for the consumer right to privacy. They are not doing so and are violating my rights not to have my nonpublic information being disclosed to the public. They also violated my consumer right to have these items blocked and deleted no later than XXXX days after receipt according to 15 USC 1681C-2.
Consumer complaint received 2021-04-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA (NC)

I participated in the following Marcus Savings {$100.00} Bonus Offer : Marcus is offering {$100.00} when you deposit {$10000.00} or more in new funds into a new or existing Online Savings Account within 10 days of enrollment. You must maintain those funds plus your current balance for at least 90 days. 

And I satisfied the requirement by depositing $ XXXX into my account by XX/XX/2021. I was able to see the bonus tracker after the deposit, which means I was eligible for that bonus. At that time there is total ~ $ XXXX in my account ( XXXX old XXXX new ) and I kept existing money along with the new money in my account as required. Later on XX/XX/2021, when I transferred my old $ XXXX out of my account, someone from Marcus called me to confirm the account details, but he did not mention or warn me that doing the transfer would cause me losing the eligibility to receive the bonus. 

And after I did the transfer, I found out that I don't have that bonus tracker anymore, therefore I called Marcus and they said my eligibility is revoked. As a customer who was attracted to deposit new money into Marcus saving account because of the bonus program, Marcus should have the obligation to notify/warn me if any transaction would cause me losing my eligibility to receive the bonus, I should have the right to be clearly informed with the consequences.
Consumer complaint received 2021-05-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (CA)

I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items immediately. 
XXXXXXXX XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX XXXX XXXX Charge-off {$74000.00} XXXX XXXX XXXX XXXX XXXX XXXX Charge-off {$6700.00} XXXX XXXX XXXX  XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XXXX | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX  | XX/XX/XXXX XXXX  Inquiry {$0.00} XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XXXX XXXX | XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX  XX/XX/XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK (PA)

I have filed a fraud claim with Discover Card. I have TWO active police reports. I am ALSO a victim of Identity theft the amount on the claim is $ XXXX.Stolen Discover card. I was initially denied the fraud claim with discover while there are TWO active police reports. The action was done by an active drug user who actually called discover admitting to her actions. Discover Confirmed this to me yet is trying to re invoice me. Date of Fraud Transations is XX/XX/2017. Criminal went and said XXXX came XXXX Conquered. She even agreed to come to police department and never showed up. Discover is COMPLETELY in the wrong in this situation. I have all the actions including TWO active police reports. In getting discover they state they have fraud protection. This is clearly fraud. How could they victimize some one who was victimized by a crmimial.?
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (FL)

On   XX/XX/XXXX , I  went to the gas station to fill up a loaner while my car was repaired. Much to my surprise my card was denied.     Another customer told me there 's was also so I assumed it was the gas station and went down the street. The same thing happened but this time I decided to call    XXXX   XXXX   be cause I was in a rough area. Much to my surprise I was told my account had a hold and given a toll free number to call! I called eight times and only reached voicemail - finally I left a message.     The following day I called again - this time I reached a person. I was advised I had a tax debt to the State  of  XXXX    fro m  XX/XX/XXXX ,  XX/XX/XXXX   and  XX/XX/XXXX . Is n 't there a statue of limitations? Do n't they need to advise me?     Not to mention I live in  XXXX  now.     The representative asked me how much was on hold and where I banked. Assuming they already knew, I gave her the information. The representative told me the only way she could release the hold was if I paid in full by credit card.     I tried to reason with the representative and explain the hardship - that coincidentally my lights were cut off and I was already experiencing financial hardship after the death of my mother. Can I make payments? No.     Regardless, that they took every dime I own.     I hung up the phone and called my bank as well as the State to no avail. While I spoke to the bank, I pulled up my bank account and noticed a debit for {$1200.00}. While I was asking for an arrangement the representative processed a debit!     Surely, this can not be legal!     To  imagine the State of    XXXX   allows malicious collection activities at the discretion of  Premiere Credit!      I can not explain the hardship this has caused - currently I am unable to pay m y  XX/XX/XXXX  re nt, I borrowed a payday loan in order to restore my electric, my car payment was past due ( fortunately they deferred my payment ) and my car insurance is due. I attempted to prevent my next check from being direct deposited but it appear s it may not have  been processed - so they will consume another {$1500.00}!     I just received a notice from  XXXX  about the hold/levy o n  XX/XX/XXXX .
Consumer complaint received 2023-03-17
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. (TN)

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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries : 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 an 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 or 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 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 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
Consumer complaint received 2022-12-14
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. (NJ)

I went to purchase a vehicle, I was not informed that my credit will be share with multiple lenders. Hard inquiries 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
Consumer complaint received 2022-12-14
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: Bread Financial Holdings, Inc. (FL)

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted COMMENITY on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

COMMENITY has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2020-12-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. ()

The house was taken over by squatters for over 6 years and i could not manage to take all 13 squatters to court so myXX/XX/XXXXdaughter had to intervene and started court proceedings in XXXX so we manage to evict them in XX/XX/XXXX from the second floor but we still have squatters on the 3rd floor and rear flat in the build and still awaiting courts to re-open but i have start the process but due to Covid 19, my hands are tie so unable to process further. 
Also the squatters that were based on the second floor damage the property before eviction. However, XXXX tried to assist but due to the foreclosure they can not proceed and with Covid 19 i am unable to rent the property out. Now the court have set a date on the XXXX XX/XX/XXXX - Index number : XXXX etrack Supreme : XXXX XXXX XXXX vs XXXX XXXX. 

This is such a complex situation due to Mortgage and unable to make payment due to the squatters and not having access to the house for so long but i really hope you can assist me. 

My daughter ( XXXX XXXX ) has been helping me due to my age ( XXXX ) and ill health so its best to communicate through to her. She as Power of Attorney over this property. ( XXXX XXXX XXXX, XXXX XXXX, XXXX zip XXXX. Tel XXXX XXXX XXXX Please help me cause i do not want to loss my house but also feel helpless cause i have no assistance.
Consumer complaint received 2021-04-18
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. (MD)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint the company servicing the my mortgage account since XXXX of 2019 has impose fees such as escrow. I have asked for Shellpoint to send me a itemized letter of calculated escrow, monthly payments used for escrow and payments sent to escrow and the balance at the time and they have failed to do so.
Consumer complaint received 2021-04-18
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Nelnet, Inc. (TX)

I originally filed a complaint on XXXX and have a password but I was locked out of my college XXXX in XXXX and ran into more problems when enrolling at XXXX. Apparently since me and my husband are now separated and there are more issues w that- they need formal documentation of our separation that Texas doesnt have other than a divorce. 
When I was hacked XX/XX/2020 at XXXX XXXX my life unraveled and I lost all recourses in the form of work, school, family, vehicle and funds. I have begun unraveling documents and this is way to big for me and I had asked for legal shields help but was unable to communicate due to my accounts changing with passwords, internet router problems and all phone companies. There is something wrong w my taxes and I havent a clue what since that password changes all the time and getting help rom turbo tax is useless. My credit reports/freeze acts even changed. Anyways my complaint iD is XXXX. 
Please offer suggestions- thank you so much. 
XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (FL)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This just proves that the 3 Credit Bureaus are lack proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account immediately.
Consumer complaint received 2021-04-18
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

We applied for a construction loan in XX/XX/XXXX through BB & T/Truist of XXXX XXXX XXXX. Disposition of the loan was in XX/XX/XXXX. 

During the mortgage application process, BB & T/Truist suggested I comply with their request which would have had me giving them fraudulent information. The issue began with 2 years permanent residence history which I provided. BB & T insisted I was lying and even told me I was lying in email. They insisted on pulling new credit reports within weeks of each other to find this supposed residence which was a vacation rental. I requested several times in several manners and even escalated to a manager an explanation of why they needed to pull our credit twice in the same month. I never received a valid answer. 
The bank insisted I explain an address on my credit report which I did but they wanted to hear none of it. They went as far to tell me I was not in my house in XXXX  up to and through the closing of the sale. I offered to the bank no less than 10 evidentiary documents showing we were residents of and I was present at our house up through the day of close. The bank insisted I explain a vacation rental as a permanent residence which would have been fraud. The address has been subsequently removed from my credit reports but the Bank wanted to hear none of it. The bank threatened to decline our loan application unless we fabricate documentation about an address. Ultimately the loan was declined as I refused to fabricate/falsify information on our loan application. At one point during all of this the bank even asked me to explain why BB & T had an inquiry on my credit. So we are out significant money for the application not to mention the rate changes from lock to now.
Consumer complaint received 2020-12-22
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. (NC)

TRANSUNION IS REPORTING A FAX NUMBER ON THEIR REPORTS BUT THE FAXES ARE NOT GOING THROUGH YET THEY HAVE THIA NUMBER ON WEBSITE
Consumer complaint received 2021-03-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (OH)

THEY BREACHED HIPPA I called the credit company GLA COLLECT, in order to get some basic information after about the debt and how I could possibly owe any amount of money, first they refused to send a written notice. Then after I asked what address did they sent the original 30 day notice to, they sent it to a house I havent lived in in a completely different town!!!!! Not only did they completely fail to give me a notice, they sent the original to the wrong place AND on top of that breached my right to privacy through my health care provider, this is unacceptable and if changes arent made further action will be taken.